Money Files: Wealth Over Now: Recent Episodes
Keina Newell
Is money (or lack thereof) keeping you from fully enjoying your life? Are the stories you tell yourself preventing you from improving your money mindset and having a better relationship with your finances? Join Keina Newell of Wealth Over Now on Money Files: your financial toolkit and a place to start working on your money mindset, learn new financial concepts, and hear candid conversations from her clients who have been right where you are and are on the other side. If you are ready to start your financial journey, head to www.wealthovernow.com and subscribe for new episodes each week.
Paying your bills on time isn’t the same as being in control of your money.
In this episode of Money Files, I walk you through The Money Edit, the second step in my coaching framework that helps clients create 25% more choice with their money without earning more or cutting out everything fun.
The Money Edit is where we stop the leaks and clean up financial clutter. Instead of restrictive “no-spend challenges” or quick fixes, this process helps you decide what to keep, revisit, or cancel so your money reflects the life you actually want. From subscriptions you’ve forgotten to household expenses that no longer serve you, the Money Edit gives you back control and clarity.
You’ll hear client stories that show how one decision, like changing a cleaning schedule or canceling overlapping subscriptions, freed up thousands of dollars each year to redirect toward savings, debt payoff, and lifestyle goals that matter.
Listen in to learn:
[02:30] Why no-spend challenges don’t fix long-term habits
[06:45] How to identify leaks and financial clutter in your budget
[11:15] Client story: saving $9,600 a year by shifting one expense
[17:20] How canceling overlapping subscriptions saved $380 instantly
[22:40] How small edits uncovered over $3,200 in annuals savings in one call
[28:15] Why The Money Edit gives you freedom to reallocate, not restrict, your money
Tune into this episode of Money Files to learn how The Money Edit can help you keep more of what you earn and finally create a plan that feels good and works.
Get full show notes and the episode transcript: https://wealthovernow.com/the-money-edit-stop-the-leaks-and-create-more-choice-with-your-money/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
EP. 195 | The Money Table: How to Create a Real Budget (and Stop Fake Math)
Have you ever felt like no matter how much you earn, or how diligently you pay your bills, your money still slips through your fingers?
In this episode of Money Files, I introduce you to the Money Table, the first step of my coaching framework that helps clients create 25% more choice with their money without earning more or making extreme cuts. The Money Table is where we lay everything out, your bills, subscriptions, lifestyle expenses, even the purchases you avoid looking at so you can finally see the full financial picture.
For most people, fake math runs the show. You tell yourself that a bonus will cover your expenses or that holidays “don’t cost that much,” only to find yourself overspending and underprepared. At the Money Table, we stop the fake math by naming, numbering, and planning for the expenses that quietly drain your account.
Through client stories, you’ll hear how this simple step transformed how they think about money, whether it was planning for tutoring, travel, or even giving money to family. Once you see the full puzzle, you can finally make confident, intentional choices about your money instead of scrambling paycheck to paycheck.
Listen in to learn:
[02:10] What the Money Table is and why it matters
[05:35] How fake math quietly drains your accounts
[09:15] Client story: turning tutoring expenses into predictable monthly planning
[14:40] How to plan for annual expenses so they don’t wreck your budget
[20:25] Why naming hidden expenses creates immediate relief
[25:10] How clients start making their coaching investment back from Day One
Tune into this episode of Money Files to discover how the Money Table helps you stop hiding from your numbers and finally see the full financial picture.
Get full show notes and the episode transcript: https://wealthovernow.com/the-money-table-how-to-create-a-real-budget-and-stop-fake-math/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
EP. 190 Lisa’s Story: How Lisa Stopped Using Her Planner To Budget
Not every paycheck-to-paycheck cycle is caused by poor spending habits, sometimes the root issue is your income.
In this episode, I unpack the three most common reasons people face an income problem, and why acknowledging it isn’t about shame but empowerment. From cost-of-living mismatches to household changes to underearning, I explain how to identify the real gap in your budget so you can finally make a plan that works.
Through client examples, including Emily’s story of adding income to ease her family’s finances, you’ll hear how reframing an income problem can lead to solutions that actually support your lifestyle and values. Because the truth is, you don’t have to cut back harder or live with guilt. You may simply need to earn more.
Listen in to learn:
- [01:40] How to know if your paycheck-to-paycheck cycle is mindset or income
- [04:12] Why cost-of-living mismatches create hidden income problems
[07:58] Household and lifestyle changes that shrink your paycheck overnight * [12:40] The trap of “money ceilings” and underearning * [17:15] How to identify the real gap between your income and expenses * [21:45] Why knowing your numbers is empowering—not shameful
Tune into this episode of Money Files to discover how to identify and solve income problems so you can finally stop living paycheck to paycheck.
Get full show notes and the episode transcript: https://wealthovernow.com/how-to-know-if-your-paycheck-to-paycheck-cycle-is-an-income-problem/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
Do you make a great income but still feel like you’re living paycheck to paycheck?
In this episode of Money Files, I dive into what I call High Earner Syndrome, the mindset trap that keeps six-figure earners stuck in cycles of overspending, fake math, and financial stress.
On paper, you’re making more than ever before, $12K, $20K, even $30K a month, but you still don’t feel like you have enough to show for it. Raises, bonuses, and promotions come and go, but your savings doesn’t grow, your debt lingers, and your stress remains.
The problem isn’t your income, it’s the way you think about and manage your money. And until you shift your mindset and create a plan, lifestyle creep and fake math will keep you stuck, no matter how much you earn.
In this episode, I share:
[02:00] What High Earner Syndrome really is and why it’s not an income problem
[05:45] Why big bonuses disappear before you can enjoy them
[10:10] How fake math sabotages even six-figure earners
[15:30] Why planning 14 days at a time keeps you broke (and what to do instead)
[20:25] How a client went from paycheck stress to having $14,000 in her account
[24:10] The one mindset shift that puts you in control of your money today
Tune into this episode of Money Files to learn how to break free from High Earner Syndrome, stop overspending, and create financial freedom with the income you already have.
Get full show notes and the episode transcript: https://wealthovernow.com/why-even-high-earners-are-living-paycheck-to-paycheck/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
What happens when your relationship with money is ruled by shame?
In this powerful client interview, Emily shares her deeply personal journey of moving from money avoidance, panic attacks, and “FU spending” to clarity, empowerment, and peace with her finances. Before coaching, Emily’s money habits were fueled by old stories, guilt, and a constant feeling of not doing enough, even while homeschooling four kids and managing a household.
Together, we worked through her “platter of shame,” rewired her money story, and created a system that aligned with her values instead of morality or judgment. Today, Emily not only feels in control of her spending but has also transformed how she communicates about money with her husband and children.
Her story is proof that real financial freedom doesn’t start when you hit a certain number, it starts when you release shame and embrace compassion for yourself.
Listen to learn:
[02:10] How money shame can manifest as panic attacks and avoidance
[05:40] What “FU spending” looks like and why it’s more emotional than financial[12:15] Why being underfunded isn’t the same as overspending
[20:25] How Emily shifted from level-10 money panic to calm, empowered decisions[27:45] Breaking the belief that she “owed” her kids certain purchases[35:10] How adding income became an empowering choice instead of a shame spiral
[42:00] Why small wins, like paying bills on time are just as important as big milestones
Tune into this episode of Money Files to hear Emily’s inspiring journey from money shame to financial freedom and learn how you can start rewriting your own money story.
Get full show notes and the episode transcript: https://wealthovernow.com/from-panic-to-peace-even-looking-at-bills-made-me-panic-emilys-story/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
Most people believe their debt is the reason they can’t save, travel, or feel free with their money. But here’s the truth: your debt isn’t the villain, the story you’re telling yourself about your debt is what’s holding you back.
In this episode of Money Files, I unpack one of the biggest mindset shifts that changed my own financial life and has transformed the lives of my clients: learning how to stop villainizing debt and start rewriting your money story.
I’ll share my journey of paying $500 a month toward student loans in my 20s, and how shifting my perspective helped me stop waiting for freedom and start creating it even while carrying debt. You’ll also hear client examples that reveal how often we think debt is the problem, when the truth is, the lifestyle we want simply requires more clarity, intention, or income.
If you’ve ever said, “I’d be further ahead if I didn’t have this debt,” this episode is for you. You don’t have to wait for a zero balance to feel at peace. You can create freedom now.
Listen to learn:
[01:05] Why the real problem isn’t your debt, it’s the story you’re telling yourself
[06:18] How a mindset shift turned $500 student loan payments into opportunity
[10:30] The exercise I walk clients through to uncover what’s really holding them back
[16:42] Why more income, not less debt, might be the key to funding the life you want
[22:55] How to live, save, and pay off debt at the same time
[28:20] The real byproduct of shifting your money story: peace, confidence, and freedom now
Tune into this episode of Money Files to discover how to stop villainizing your debt and start living the life you want even before it’s all paid off.
Get full show notes and the episode transcript: https://wealthovernow.com/the-surprising-mindset-shift-that-makes-paying-off-debt-easier/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
What if your financial stress isn’t about how much you earn, but how your money is (or isn’t) working for you?
In this candid and encouraging episode, I sit down with my client Lisa to talk about the real shift that changed her life, not just her bank balance. Lisa thought she had a system… until she realized she was doing fake math, chasing checks, and constantly feeling like she should have more to show for her income.
Together, we unpack how she let go of shame and guilt around money, created a spending plan that gives every dollar a job, saved over $2,300 for a Disney cruise without stress, developed a plan to eliminate credit card debt without burnout, traveled freely while still building a financial cushion, and ultimately found peace, confidence, and clarity in her relationship with money.
Lisa’s story is for anyone who’s ever felt like they’re doing “okay” on the outside, but overwhelmed on the inside. If you’ve been juggling spreadsheets, mental math, and a planner filled with due dates, but still feeling behind this episode will resonate deeply.
Listen to learn:
[03:10] The difference between a planner and a real system
[06:34] How fake math fuels paycheck-to-paycheck stress
[10:12] What shifted when Lisa gave every dollar a home
[12:47] The power of intentional saving and planning for joy
[18:02] The unexpected emotional weight of overlooked expenses
[23:30] Moving from money anxiety to empowered spending decisions
[27:44] Finding freedom without sacrificing fun or travel
[30:21] Why Lisa now feels like her money system creates “overflow”
Get full show notes and the episode transcript: https://wealthovernow.com/lisas-story-how-lisa-stopped-using-her-planner-to-budget/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
You’ve been celebrating your three-paycheck month like it’s a financial bonus, but I’m here to tell you, that third paycheck? It’s not extra money. It’s fake math in action.
In this episode of Money Files, I help you shift your mindset and your money systems so you can stop overspending and start building financial peace. I walk you through the exact budgeting strategy I use with clients during three-paycheck months, my simple Three Money Bucket System and how it helps high earners stop leaking money and start getting ahead.
You’ll learn why this third paycheck is the perfect opportunity to build a buffer, pay annual subscriptions, and get out of the paycheck-to-paycheck cycle for good.
If you’ve ever wondered, “Where did my money go?” after a month with a little more income, this episode is for you.
Listen in to learn:
[01:11] Why your third paycheck isn’t actually “extra”
[06:08] The trap of fake math and how to avoid it
[09:02] How to apply the Three Money Bucket System in a 3-paycheck month
[13:44] The real way to build a buffer and automate peace
[18:03] Why predictability not spontaneity creates financial ease
Tune in now to learn how to treat every paycheck with intention and finally stop letting fake math run your finances.
Get full show notes and the episode transcript: https://wealthovernow.com/turn-your-3rd-paycheck-into-a-financial-power-move/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
Ever feel like you're stuck in a loop where unexpected expenses always ruin your budget?
In this episode, I break down what I call the “This Always Happens” Money Fix, a two-step process that helps my clients stop spiraling and start building real budgeting confidence. If you’ve ever looked at your account and thought, “Ugh, how did this happen again?” this is for you.
I’ll show you how to shift from shame to strategy using my signature process: Respond and Recalibrate. These simple but powerful questions will help you navigate unexpected charges, stop the guilt cycle, and actually make your budget more responsive to your real life.
If you've ever paid a surprise dental bill, forgotten about a recurring charge, or panicked over a financial “oops,” this episode will help you move from frustration to freedom without ditching your budget.
[01:04] Why unexpected charges don’t mean you’re failing with money
[02:20] The “This Always Happens” Money Fix: Respond and Recalibrate
[06:10] Real client examples and how we tackled hidden expenses
[10:23] What a dental emergency taught my client about budgeting on purpose[14:55] How to build a money system that grows with you
Tune in to learn how to make your money system sustainable so you're not just budgeting for the month but building financial resilience for life.
Get full show notes and the episode transcript: https://wealthovernow.com/a-better-way-to-handle-unexpected-expenses/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
Fall might feel like a break after a busy summer, but if you’re not careful, it can catch you off guard, especially financially.
In this episode, I talk about what it really means to be “always ahead” with your money. I don’t mean skipping brunch or deleting a budgeting app. I mean planning intentionally for the next 90 days before your spending happens. Whether you’re prepping for back-to-school, travel, holiday hosting, or just want to enjoy cozy hikes and solo retreats, this episode will help you align your spending with your real life, not just your calendar.
I share the exact questions I walk my clients through and how to use your photo album (yes, really!) to build a budget that supports your joy, not restricts it.
So if you’re feeling the pressure to “cut back” as fall rolls in, this episode will help you shift from reactive to proactive and put your dollars to work on purpose.
Listen now to learn how to plan your money with intention and…
[00:42] What “being ahead” actually looks like
[03:12] The false promise of fall being a low-spend season
[06:47] Why “just cutting back” isn’t a real plan
[09:05] How to budget for joy using your personal photo album
[10:50] My fall reset invitation and how to work with me 1:1
Tune in to learn how planning ahead can help you stop reactive budgeting, align your money with your real life, and feel confident about what’s coming next.
Get full show notes and the episode transcript: https://wealthovernow.com/always-ahead-how-to-budget-for-the-fall-season-without-falling-behind/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
Thinking about coaching but not sure what to expect?
In this episode, I’m pulling back the curtain on my five-month coaching partnership. You’ll hear answers to the five most common questions I get about what coaching looks like, how it works week-to-week, and how it helps you create long-term results.
I break down exactly what happens inside the coaching container from building your first real budget to the “ah-ha” moments that help you stay out of debt and stop overspending for good.
If you’ve been lurking, this episode was made for you.
In this episode, you'll learn:
[01:04] Why booking a consult is the most important step
[04:39] Yes, you’ll get a real budget and no, it’s not just a list of bills
[08:02] How we layer in cultural, family, and life context to make your plan work
[10:16] What weekly coaching actually looks like
[13:22] How clients make their investment back (sometimes within weeks)
[16:15] Why you don’t need to be debt-free to start
[18:45] There’s never a “perfect time”, here’s why you should start now
Tune 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 Now
Download my FREE spending plan
Saving money shouldn’t feel like a mystery or a one-time event. Whether you're building your first $500 or trying to break a savings plateau, this episode will help you learn how to save on purpose.
In this episode, I walk you through my Magic 10 Method, a simple, repeatable process to help you save $10,000 with control, intention, and ease. We’ll explore what it means to treat saving as a skill, how to break out of the save-spend cycle, and how to stop leaving your financial peace to chance.
Whether you’re a new saver or someone trying to rebuild after dipping into your fund, this episode is your guide to becoming a consistent, confident saver.
Listen to learn how to build and maintain a five-figure savings account that doesn’t just sit pretty, but works for you.
In this episode, you'll learn:
[00:48] Why saving is a skill, not a personality trait
[02:35] Introducing the Magic 10 Method
[06:09] The 6 phases of the savings continuum
[11:42] How to calculate your Magic 10 savings pace
[14:55] Real talk: $200/month is better than $0/month
[18:30] Option 1 vs. Option 2: Choose your savings strategy
[21:10] The #1 commitment you need to make today
Tune in now and learn how to use the Magic 10 Method to save $10K with ease, consistency, and confidence.
Get full show notes and the episode transcript: https://wealthovernow.com/the-hustler-saver-why-making-more-money-still-leaves-you-broke/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
You know how to make money. You’ve always made it work. But now, hustling feels like the only plan you’ve got to create more financial space.
In this episode of Money Files, I talk to my high earners, the folks who’ve always made it happen, about why hustle is no longer a sustainable savings plan. I’ll unpack how relying on your ability to earn (and earn again) keeps you in a reactive financial cycle that looks like freedom from the outside but feels exhausting on the inside.
You’ll learn how to shift from hustle to ease by creating an options fund, a pot of money that supports the lifestyle you actually want, not just the one your hustle can cover. I’ll walk you through how my clients are building financial systems that finally reflect their income, values, and future goals.
If you’re tired of making money only to watch it disappear, this episode will help you pause the grind, get off the hustle hamster wheel, and move your money with purpose.
In this episode, you'll learn:
[01:11] What defines a Hustler Saver
[03:18] Why hustle is not a sustainable savings plan
[06:39] The difference between fake financial freedom and real security
[10:44] How high earners fall into hustle traps, even with 7-figure businesses
[12:10] The Options Fund: your safety net and freedom tool
[15:00] How to build a repeatable, purpose-filled money system
Tune in now and learn how to break free from the Hustler Saver cycle and finally build savings that stick.
Get full show notes and the episode transcript: https://wealthovernow.com/the-hustler-saver-why-making-more-money-still-leaves-you-broke/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
You’re saving money, but somehow you’re still always transferring money out of savings to cover expenses. That’s what I call the Dipper Identity. And if this is you, it’s not about willpower. It’s about your budget.
In this episode, I walk you through the sneaky cycle of dipping into savings and why it happens even when you're doing “all the right things.” I break down the signs that fake math is running your money and the four steps you can take to finally break free. From budgeting beyond your bills to naming your savings accounts, I’ll show you how to stop feeling like life is constantly knocking you back.
If your savings account is a roller coaster instead of a steady climb, it’s time to reflect, reset, and rebuild a system that supports you.
Listen to learn how to move past the Dipper Identity and finally protect your savings…
[00:43] What it means to be a dipper
[03:01] Why this isn’t about discipline, it’s about your budget
[04:15] Signs fake math is running your financial life
[06:08] Step 1: Identify your last three dips
[08:44] Step 2: Budget beyond your bills
[10:23] Step 3: Separate your savings accounts
[12:49] Step 4: Use rolling savings for recurring expenses
[14:30] What real financial safety looks like
Tune in now and learn how to stop dipping into your savings and start building a budget that actually works.
Get full show notes and the episode transcript: https://wealthovernow.com/how-to-stop-dipping-into-savings-budgeting-tips-personal-finance-money-coaching-emergency-fund-strategy-savings-account-financial-planning-fake-math-rolling-savings-intentional-saving/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
Are you the kind of saver who says, “I’ll save whatever’s left over after the bills are paid”?
Here's the spoiler alert. There usually isn't anything left over.
In this episode, I’m calling out the leftover saver mindset and walking you through what it takes to become someone who saves money with clarity and consistency.
I’ll show you why saving has nothing to do with willpower and everything to do with worth. You’ll hear why $25 saved with intention is more powerful than $250 saved with guilt and how my clients have shifted from not saving at all to confidently setting aside thousands each month.
Inside this episode, I’ll help you:
- [05:00] The biggest mindset blocks keeping you from saving
- [03:40] Why saving is a radical act of self-care, not a luxury
- [12:03] How to start with as little as $25 and still see real results
- [13:58] A practical 4-step strategy to finally become a confident saver
Saving is not a luxury. It's a necessity. If you’re ready to stop leaving yourself out of your financial plan, this episode is for you.
Tune in now and learn how to stop saving what's left and start saving on purpose.
Get full show notes and the episode transcript: https://wealthovernow.com/the-leftover-saver-how-to-stop-trying-to-save/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
Saving for a rainy day doesn’t always spark motivation. That’s why in this episode, I introduce the concept of the Side Eye Fund—a money stash that empowers you to say “no thanks” to toxic jobs, burnout, and financial fear.
If traditional emergency funds haven’t inspired you to save, this episode will reframe what savings can mean for your life. It’s not about disaster prep, it’s about options.
I'll share how my clients use the Side Eye Fund to build financial peace on their own terms. Whether you want to walk away from a draining job, take an unpaid break, or support a loved one without stress, this episode will help you start saving for the life you actually want.
You’ll also hear a real-life example from a client working toward her $24,000 fund goal and why slow, intentional saving beats hustle and sacrifice.
Listen to learn how to build a savings system that puts you in control of your choices…
[00:36] Why I want you to have options, not just budgets
[02:04] What a Side Eye Fund is and why you need one
[06:14] Rethinking the traditional “emergency fund”
[08:45] What the Side Eye Fund allows you to do in real life
[10:30] A client story: growing a $24,000 Side Eye Fund
[13:35] How to start your own Side Eye Fund today
[15:22] Why you don’t need a crisis to start saving
Tune into this episode of Money Files to discover how a Side Eye Fund can give you the freedom to walk away, say yes to yourself, and save without fear.
Get full show notes and the episode transcript: https://wealthovernow.com/emergency-funds-are-out-side-eye-funds-are-in/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
Think you need the perfect plan to start managing your money? You don’t. You just need permission.
In this episode of Money Files, I’m sharing 10 powerful questions you can bring to your next money date to stop the cycle of avoidance and finally feel in control. If you've been waiting for the “right time” to get better with your finances. This is it.
We’ll talk about why perfectionism and procrastination are costing you more than you think, how a 10-minute weekly check-in can rebuild your trust with money, and how to get curious instead of judgmental about your spending.
This episode is for you if:
- You’ve been avoiding your bank account.
- You feel behind financially, even though you earn well.
- You keep telling yourself you’ll figure it out… later.
I’ll walk you through the exact process I use with clients who go from overwhelmed and avoidant to clear and confident about their numbers. These 10 questions are simple, but they will shift how you think about money and how you think about yourself.
Episode Highlights:
- [00:57] Why waiting for the “perfect time” is keeping you stuck
- [03:15] The power of permission in your financial life
- [05:30] Why money dates matter and how to start without a plan
- [07:44] 10 questions to ask during your next money date
- [14:00] How these questions build clarity, trust, and financial ease
Tune into this episode of Money Files to discover how asking the right questions can transform your relationship with money and help you take confident action today.
Get full show notes and the episode transcript: https://wealthovernow.com/10-money-date-questions-that-will-change-how-you-manage-your-finances/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
Ever felt like budgeting has to be perfect to work?
In this episode, I tackle the common struggle of perfectionism that paralyzes many when it comes to budgeting and I introduce you to the Permission Budget. A simple, powerful tool that helps high earners make intentional money decisions when life feels messy, busy, or overwhelming.
Instead of waiting for the right time to get your finances in order (like after the trip or after the promotion), I walk you through how to build clarity and confidence right now. You’ll learn how to plan ahead, avoid shame, and trust yourself with money even when you're tempted to swipe first and figure it out later.
Check out this episode where I break down the permission budget and…
- [04:48] The most common emotional triggers behind budget overwhelm
- [06:27] Why high achievers freeze when it’s time to budget
- [09:02] How to create a permission budget in five minutes
- [18:40] What to do right now to take control of your spending
Tune into this episode of Money Files to discover how to take control of your finances without the pressure of perfection.
Get full show notes and the episode transcript: https://wealthovernow.com/permission-budgeting-how-to-overcome-overwhelm-and-take-control-of-your-finances/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
Think you’ve got extra money because daycare is over or your car is paid off? You don’t. Not until you’ve stopped doing fake math.
In this episode, I unpack one of the sneakiest money traps high earners fall into: the illusion of “extra” money. You feel like you should have more to show, after all, your expenses went down or your income went up. So why isn’t your bank account reflecting that?
Because fake math is running the show.
I’ll walk you through my A.S.S. Method—Acknowledge, Save, Shift—the same process I use with clients to prevent lifestyle creep, stop overspending, and finally make real progress.
If you’re tired of wondering where your “extra” money went, this episode will help you put every dollar to work so you can see the extra money.
Listen to learn how to leverage the Acknowledge, Save, Shift method to ditch mental math and start budgeting with real numbers…
- [01:11] Mental math is fake math
- [06:08] Learn the Acknowledge, Save, Shift method
- [06:39] Acknowledge what has changed in your money flow
- [07:56] Save with intention
- [12:10] Shift your money to meet your new financial goals
Tune into this episode of Money Files to discover how to implement the Acknowledge, Save, Shift method into your money system.
Get full show notes and the episode transcript:
https://wealthovernow.com/the-a-s-s-method-how-to-actually-see-your-extra-money/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
Paying off debt fast doesn’t always equal financial freedom. In fact, it might be the reason you’re stuck in the debt-shame-burnout cycle.
In this episode, I break down the real cost of debt binging and why throwing every dollar at your balance might leave you worse off emotionally and financially. I share how to build a debt balance—not just pay off a balance. I talk about sustainability, budgeting systems, and why the real transformation isn’t in the numbers, but in how you feel and act around money.
If you’ve ever paid off a credit card only to find yourself swiping again weeks later, this episode is for you. If you’ve ever used a bonus or lump sum to get ahead, but still felt behind, this episode is especially for you.
The real win isn’t getting out of debt. It’s staying out of debt for good.
Listen to learn how to break free from debt shame and burnout…
- [00:10] Why you shouldn’t rush to pay off debt
- [02:26] Getting stuck in the debt binge cycle
- [06:27] You debt isn’t the problem; the problem is your system
- [11:07] Debt balance vs. debt burnout: debt is information, not shame
Tune into this episode of Money Files to hear how rushing to pay off debt might do more harm than good - and what you should do instead.
Get full show notes and the episode transcript:
https://wealthovernow.com/debt-binge-vs-debt-balance-what-no-one-tells-you-about-paying-off-debt/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
Budgeting without real numbers is just expensive guesswork.
In this episode, I’m diving into one of the most common habits I see with high earners: fake math. That’s the guessing, rounding, and “I’ll figure it out later” mindset that keeps you stuck in financial stress, even with a six-figure income.
You’ll learn how fake math creates a false sense of security, why confronting it feels so vulnerable, and how facing your real numbers is the first step toward overcoming financial shame, finding clarity in your budget, and long-term financial freedom.
Are you ready to stop guessing and start understanding your numbers? It’s time to call out the fake math that is sabotaging your budget. Tune in to learn how to take back control of your bank account.
Listen to learn how to call out fake math in your budget…
- [02:08] Why it is scary to call out fake math
- [04:04] Dealing with discomfort now to lay the groundwork to say yes in the future
- [10:50] Inviting curiosity to combat the shame
Tune in to stop relying on fake math and start making confident, clear financial decisions.
Get full show notes and the episode transcript:
https://wealthovernow.com/the-fear-of-fake-math-what-happens-when-you-finally-face-it/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
April came to my coaching program as a newly single mom, juggling grad school, parenting, and a full-time job — and feeling overwhelmed and out of control with her money.
In this episode, April and I discuss how she went from considering bankruptcy to building financial confidence. You’ll hear which beliefs finally shifted for her, the tough-love moment that helped her take ownership of her finances, and the simple but powerful habits she’s using to stay on track today.
Whether you’re stuck in overdraft fees, constantly second-guessing yourself, or just want to hear a story of what’s possible, April’s journey is the reminder you need: it can get better — and you are more capable than you think.
Get inspired by April’s financial journey…
- [01:05] April’s money story
- [08:33] Building self-trust and healthy money habits
- [16:30] April’s accomplishments since starting coaching
- [22:23] How April knew she was ready for coaching
- [25:20] April’s new relationship with money
Tune into this episode of Money Files to hear April’s money story and how tough love, believing in herself, and building healthy habits has changed the way she thinks about and manages her finances.
Get full show notes and the episode transcript:
https://wealthovernow.com/mvp-why-april-chose-budgeting-over-bankruptcy-and-how-it-paid-off/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
A six-figure salary should feel like freedom… so why does it still feel like you’re barely keeping up?
Welcome to Why Your Money Feels Messy, a special podcast series where I get real about what’s actually going on with your finances — and how to finally fix it.
In this first episode, I break down something I call “fake math” — the sneaky budgeting habits and financial assumptions that keep high earners stuck in stress, shame, and money confusion. I’ll show you how fake math shows up in your numbers, your mindset, and even your language — and why it has you trapped in the paycheck-to-paycheck cycle. I also share four simple steps you can take today to disrupt fake math and start getting honest (and strategic) with your finances.
If you are tired of feeling like your money is messy, this episode is your wake-up call — and your starting point. Hit play, and let’s clean up your finances together.
Listen to learn how fake math is keeping you stuck in financial uncertainty…
- [02:57] How fake math shows up in your life
- [08:23] Why fake math is dangerous
-
[09:30] 4 types of money shame
-
[11:30] 4 steps to disrupt fake math
Tune into this episode of Money Files to discover how fake math shows up in your life and four steps you can take to disrupt it.
Get full show notes and the episode transcript:
https://wealthovernow.com/why-your-finances-feel-messy-the-truth-about-fake-math-ep-1/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
Are you changing your budgeting system month after month—and still not seeing results?
In this episode, I challenge you to ditch the viral budgeting trends and money apps and build a spending plan based on your values and goals. For high-income earners, financial clarity doesn’t come from constantly resetting—it comes from committing to one financial management system that adapts with you over time.
I walk through my Three Bucket System, how to plan for expenses months in advance, and why consistency—not complexity—is the key to building financial trust and security.
If you’re tired of reactive spending and want a sustainable strategy customized to your lifestyle, this episode will shift how you think about budgeting and financial management.
Learn the power of consistency and sticking with one system…
- [00:49] I coach my clients on one financial management system
- [03:33] Why you need to stick to one system for one year
- [07:06] The 3 bucket money system
- [09:56] The power of building consistency
Tune into this episode of Money Files to discover how leaning into one financial management system will help you ditch the fake math, find consistency, and regain control of your spending.
Get full show notes and the episode transcript: https://wealthovernow.com/the-power-of-a-one-year-money-system/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
If you're earning a six-figure income but still wondering where your money goes at the end of each month, you’re not alone. Many high earners feel like their spending is out of control, their savings are inconsistent, and like they are reacting instead of managing their money intentionally.
In this episode, I introduce my Three Bucket Money System, a core framework that I teach to every client. This system helps you regain control, create financial safety, and feel confident about your finances. It’s a simple, repeatable approach that works regardless of how often you’re paid or how complex your financial situation may seem. This method removes the guesswork, eliminates emotional math, and puts you in charge of your cash flow—all without the need for tedious spreadsheets or financial overwhelm.
If you're tired of feeling afraid to check your bank account and want to become organized, empowered, and in charge of your finances, this episode is for you. Tune in to discover my Three Bucket Money System, which has helped my clients achieve their financial goals and spend drama-free.
Learn my Three Bucket Money System…
- [03:11] Defining my Three Bucket Money System
- [04:10] Bills account
- [05:48] Spending account
-
[06:31] Savings account
-
[08:10] Why my Three Bucket Money System works
Tune into this episode of Money Files to start implementing my Three Bucket Money System and regain control of your finances.
Get full show notes and the episode transcript: https://wealthovernow.com/the-smart-way-to-budget-as-a-six-figure-earner-my-three-bucket-money-system/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
Are you still relying on your list of bills to manage your finances? It's time to break free from that cycle and create a system that supports your financial future.
In this episode, I’m diving into why a list of bills isn't a budget. If you find yourself trapped in the same financial patterns year after year, it's likely because you're using "fake math"—planning only for what's due without considering your real-life needs or goals. I’ll explain why this method keeps you stuck and how shifting to a budget based on your actual spending patterns and lifestyle can help you stop reacting to expenses and start managing your money with confidence.
If you’re ready to leave behind the stress of living paycheck to paycheck and start planning for your financial safety and freedom, this episode is for you. Tune in to learn how budgeting with real math can transform how you manage your money so you can overcome the financial overwhelm and shame holding you back from hitting your goals.
Learn how to break free from the list of bills…
- [01:16] Why a list of bills isn’t a budget
- [06:13] What real math allows you to do with your finances
- [09:24] Say goodbye to your list of bills
Tune into this episode of Money Files to learn why you need to stop using a list of bills as a budget and start aligning your spending with your lifestyle.
Get full show notes and the episode transcript: https://wealthovernow.com/why-your-list-of-bills-isnt-a-budget-and-what-to-do-instead/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
Are you tired of feeling like you "should" be better with money but never seem to get ahead? It's time to stop the shame cycle and start implementing a system that actually works for you!
In today’s episode, I’m tackling the myth of “being good with money” and why that phrase can actually hold you back. I’m sharing how having a money system – not just hopes or wishful thinking – can help you feel secure with your finances. I’ll break down the importance of having a plan for your spending, saving, and handling life’s curveballs. Plus, I’ll share how this mindset shift helped me reach my financial goals and overcome feelings of shame and insecurity about money.
Ready to stop feeling anxious when you check your bank account and start creating a system that works? Learn how to stop saying, "I need to be better with money," and begin making progress with a simple, actionable plan. It's time to create the financial system that works for YOU!
Let’s demystify the idea of being “good” with money…
- [0:22] The dangers of the “good with money” mindset
- [02:25] Keina’s personal examples
-
[06:45] Client examples
-
[07:45] How shame shows up in your finances
Tune into this episode of Money Files to learn why you need to stop using the phrase “good with money” and start focusing on building systems that align your spending with your real life.
Get full show notes and the episode transcript:
https://wealthovernow.com/breaking-free-from-the-i-should-be-better-with-money-trap/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
Did you enter 2025 with big financial goals, only to find that your momentum faded by the end of Q1? Don’t worry—you're not alone! In today's episode, I’m sharing my Q1 reflections and how you can use this time to reset and reflect on your finances. Whether you're feeling great about your money habits or realizing it's time to adjust your approach, now's the perfect moment to check-in.
I discuss the power of reflection in managing your money and the importance of building a relationship with your finances. I’ll walk you through how seasonal changes can affect your spending and how to avoid falling into the trap of “fake math” when it comes to social spending. I also share practical advice on how to repurpose your budget to match your real-life goals and expenses.
As we approach Q2, I challenge you to assess where your money has been going and make thoughtful adjustments. Your budget is a living document—it’s meant to grow with you and reflect your changing needs. So, take a moment to pause, reflect, and consider where your money is going this year. Let’s make Q2 the season of intentional spending!
Learn how to reflect on your Q1 finances and start planning for Q2…
- [02:54] The importance of reflecting on your Q1 spending & budget
- [06:18] Seasonal spending & fake math
-
[08:45] Repurposing money to align with your lifestyle
-
[16:27] How to treat you budget like a working document
Tune into this episode of Money Files to learn how to reflect on your Q1 spending and adjust your budget to align with how you want to spend money in Q2.
EXCLUSIVE BONUS CONTENT
Want more Money Files? Check out my private podcast series that covers four types of shame that keep you stuck when it comes to managing your finances. I give you systems to overcome the shame and make your money work for you. Download these exclusive podcast episodes here.
Get full show notes and the episode transcript:
https://wealthovernow.com/resetting-your-finances-q1-reflections-and-q2-planning/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
Does planning for retirement feel overwhelming?
In this episode, I talk about how developing your own investment philosophy can help you approach saving for retirement with clarity and intention. I share my personal journey—from starting small with company-matched contributions to maximizing my retirement savings as an entrepreneur.
The best time to start planning for retirement is now, and I outline three steps to help you build your investment philosophy. You’ll get practical tips on automating your retirement contributions and balancing financial priorities so you can begin investing in your future.
If you’re ready to stop stressing over retirement savings and start building a money management strategy that addresses your goals, this episode is for you. Tune in now and grab those tips that will change the way you think about planning for retirement. Your future self will thank you!
Learn how to prioritize your retirement by creating your investment philosophy…
- [02:30] Where are you at with retirement?
- [07:45] Why you need to prioritize saving for retirement
- [12:20] 3 steps to take now
Tune into this episode of Money Files to learn how to build an investment philosophy and start prioritizing your retirement.
Get full show notes and the episode transcript:
https://wealthovernow.com/how-to-simplify-your-retirement-plan/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
Are you spending your tax return before it even hits your account? You’re not alone. In this episode, I’m talking about the cycle that keeps you stuck—thinking your tax return will save you, but it disappears before you even get it. I’ve been there and am here to show you how to transform your money habits so you feel financially secure without relying on tax return season to bail you out.
I share a three-part exercise to help you leverage your tax return to hit your financial goals. This process isn't about restriction or paying down debt as quickly as possible. I want you to spend your money on what you want by building a sustainable money management process that works for you every month, not just during tax season.
If you’re tired of feeling like you’re starting over every time you get extra money, this episode is for you. Listen in to find out how to stop relying on big lump sums and start managing your money with confidence.
Learn how to break free from the tax return cycle…
- [01:40] Are you stuck in the tax return cycle?
- [07:02] 3-part exercise to plan how you will spend your tax return
- [15:20] Building sustainable money habits
Tune into this episode of Money Files to learn how to stop relying on your tax return and start leveraging sustainable money habits to regain control of your finances.
Get full show notes and the episode transcript:
https://wealthovernow.com/how-to-stop-relying-on-tax-season-for-financial-security/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
In this episode, I’m diving into the important topic of preparing financially for divorce. As a financial coach, I know how significant this transition can be, and I’m here to break it down in a clear, simple, and actionable way. Whether you're considering divorce, already in the process, or just curious about financial preparation, this episode is for you.
I share insights from my work with clients, including single moms and women who’ve been through a divorce. You’ll hear about real-life stories and challenges that may resonate with you. I’ll guide you through six steps you can take now to feel prepared, confident, and in control of your finances before, during, and after divorce.
If you’re in the midst of divorce or just starting to think about it, I’m here to remind you that you are not alone. With the proper preparation and support, you can move forward confidently and create financial security.
Listen for key insights on financial planning for divorce…
- [01:39] The importance of knowing your numbers pre-divorce
- [06:26] Preparing for legal fees
- [08:24] Considering child costs
- [10:36] Acknowledging financial reality post-divorce
- [12:04] Potential income adjustments
- [13:05] You need a support team
Tune into this episode of Money Files to learn financial steps you should take if you are considering divorce.
Get full show notes and the episode transcript:
https://wealthovernow.com/money-matters-preparing-for-divorce-with-financial-confidence/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
03 I How Having a Team Helped Lisa Payoff $20,000 in Debt
12 I How Kim Changed Her Finances In One Hour
136 | How Saving Money Helped Krissy Spend On Things That Mattered
Have you ever caught yourself comparing your financial journey to someone else's? Maybe you've felt like you're just not "good with money" because others seem to have it figured out. This shame traps you in a cycle of avoidance and keeps you stuck in unhealthy financial choices that hold you back from meeting your goals.
In today's episode, I explain reflection shame, how it might show up for you, and why a fixed mindset is keeping you from making progress in regaining control of your finances. I discuss how to break free from shame and the impulse to compare yourself to other people. Then, I give you actionable steps to help you shift your mindset and start aligning your spending and financial habits with what you want to do with your goals.
Whether your goal is saving, paying down debt, or just learning to track your spending, today's episode teaches you the tools to stop comparing and start growing.
Listen for key insights on reflection shame…
- [01:00] Ways shame might show up for you
- [04:56] How a fixed mindset is keeping you stuck
- [20:14] Steps to shift your reflection shame
Tune into this episode of Money Files to learn how to shift your reflection shame so you can stop comparing your finances to others and begin establishing financial security.
Get full show notes and the episode transcript:
https://wealthovernow.com/how-to-stop-comparing-your-financial-journey-to-others/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
Mindset: The New Psychology of Success: 9780345472328: Dweck, Carol S.: Books
140 | Why Non-Budget Victories Are the Building Blocks to Paying Off Debt and Saving Money
In this episode, I dive into how social media is reshaping our spending habits without us even realizing it. We’ve all heard of “Keeping Up With the Joneses,” but now, those Joneses might be right in your social media feed—whether it's the latest wellness craze, food trends, or parenting expectations. I share stories and tips to help you identify and disrupt these sneaky influences before they derail your financial goals.
If you’re ready to take control of your spending and reset your financial habits, this episode is a must-listen. Tune in to find out how to spot and stop the new Joneses from taking over your budget!.
Discover how social media has replaced “Keeping up with the Joneses”:
- [02:33] Social media is shaping our spending
- [06:00] Wellness & self-care
- [08:38] Food and lifestyle
-
[11:34] Parenting
-
[17:13] Steps to reset your financial taste buds
Tune into this episode of Money Files to learn how external influences could be impacting your spending and preventing you from hitting your financial goals.
Get full show notes and the episode transcript: https://wealthovernow.com/stop-letting-the-new-joneses-control-your-budget/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
Have you ever felt like there was more month than money? As a six-figure earner, you might wonder how it is possible to make a good income and still feel like you don’t have enough to save, pay down debt, or reach your goals. The problem isn’t with your paycheck. It’s that you aren’t aligning your budget with how you spend money.
In this episode of Money Files, I dive into the common struggles many high earners face with their finances, even when making six figures or more. I discuss why a budget is essential, especially when things like lifestyle creep, life changes, and inflation are at play. I also share practical tips on how to take control of your finances, break free from the cycle of overspending, and ensure your budget reflects your reality, not fake math. Listen to learn how an intentional approach to spending can give you confidence and clarity with your money.
Explore why it might feel like you don’t make enough money and what to do about it:
- [03:02] Why you need a budget
- [04:45] 3 reasons you don’t think you make enough money
- [04:50] Lifestyle creep
- [06:55] Life cycles
-
[08:41] Inflation
-
[13:42] 3 actionable steps to align your budget with your spending
Tune into this episode of Money Files to learn why it can feel like there is more month than money and actionable steps to take to realign your budget with your spending.
Get full show notes and the episode transcript: https://wealthovernow.com/how-to-align-your-budget-with-your-financial-reality/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
Do you have a spending problem?
In today's episode, I share how your personal spending story can help reshape the way you think about money and guide you toward making more intentional purchases that align with your budget and financial goals.
I'm not here to make you feel bad about spending, and I don't advocate for "no-spend" challenges that vilify buying the things you want. Instead, I want to help you identify the emotional, habitual, and environmental triggers that drive your purchases. This awareness will help you regain control of your finances and shift toward intentional, guilt-free spending based on your values.
If you've ever found yourself overspending or feeling out of control with money, this episode will give you practical insights and tools to reflect on your spending habits and make meaningful changes.
Listen to learn how to discover your personal spending story so you can feel empowered about the choices you make with your money.
- [03:25] How to discover your personal spending story
- [05:04] Spending type: habitual vs. environmental vs. emotional
-
[11:10] Identifying where you overspend
-
[16:25] 4 actional steps to make intentional shifts in your spending
Tune into this episode of Money Files to learn how to discover your personal spending story and learn steps you can take to make intentional shifts in how you spend money.
Get full show notes and the episode transcript:
https://wealthovernow.com/rewriting-your-spending-story-how-to-spend-with-purpose-and-confidence/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
In today's episode, I'm diving into a topic that's top of mind for many of you right now—adjusting your budget as you return to work after years of working from home. If you're one of the many federal employees who's now required to go into the office as departments shift back to in-person work, this episode is for you.
I walk you through the financial shifts you may experience as your schedules and routines change. From adjusting grocery budgets to accounting for childcare, I cover everything you might not be thinking about, like clothes, tolls, and even pet care, now that you're back at the office full time.
I share practical strategies for making sure your budget is aligned with these changes to help mitigate financial stress and avoid impulse spending. If you're preparing to transition back to the office, tune in for actionable advice on reviewing and amending your budget to stay on track to meet your financial goals.
Consider these financial implications of transitioning back to the office:
- [01:30] Preparing for new expenses
- [02:50] Food
- [05:28] Transportation
- [10:16] Clothing
-
[12:00] Childcare
-
[13:42] Reviewing your schedule to anticipate expenses
Tune into this episode of Money Files to learn how to review your budget and prepare for new expenses as you transition from working from home to going back into the office full time.
Get full show notes and the episode transcript: https://wealthovernow.com/back-to-in-person-work-heres-how-to-prepare-your-budget/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
In this episode of Money Files, I break down the concept of "financial grazing"—a common habit where small, unplanned expenses sneak into your budget and start to derail your progress. It’s easy to justify these little splurges when you’re feeling good about your finances, but over time, they can add up and pull you away from the habits that helped you succeed in the first place.
I explore the reasons behind financial grazing and how you can get back on track. Awareness is key to regaining control, and if you’ve found yourself slipping into this habit, you’re not alone. Listen in for practical tips to refocus on your financial goals and stay on course.
Tune in to explore the concept of financial grazing ...
[02:20] What is financial grazing?
[04:40] How financial grazing shows up
[07:56] Identifying why it’s happening
[13:30] Actionable steps to address financial grazing
Tune into this episode of Money Files to learn what financial grazing is, how to identify it, and what to do about it so you can reach your financial goals.
Get full show notes and the episode transcript: https://wealthovernow.com/financial-grazing-how-little-habits-can-derail-big-goals/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
In today's episode, I'm sharing five essential money moves to help you take control of your finances in 2025. These simple yet powerful strategies will give you a clearer picture of how money flows in and out of your bank account, allowing you to budget with real numbers. Prioritizing these money moves can make a huge difference in reaching your financial goals.
I'll walk you through the techniques I use with my clients so you can maximize your income, save more efficiently, and set yourself up for success in 2025. Whether you're trying to get your finances in better shape or simply want to be more intentional about where your money goes, this episode is for you. These tips are relevant regardless of where you are in your financial journey!
Let's make sure this year is the one where your money truly starts working for you. Tune in to learn the five money moves you need to make in 2025…
[00:36] Check your pay stub
[06:11] Increase retirement contributions
[11:03] Open a high-yield savings account
[13:45] Check your tax withholdings
[15:54] Negotiate and price shop key expenses
Tune into this episode of Money Files to learn 5 money moves that will help you regain control of your finances in 2025.
Get full show notes and the episode transcript:
https://wealthovernow.com/5-new-year-money-moves-to-take-control-of-your-finances-in-2025/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
In this episode, I explore how different spending styles affect our lives and finances. If you've been listening to my podcast, you know I've been exploring the concept of "fake math"—the way we make estimates instead of using real numbers to create our budgets.
Today, I explain the characteristics of four common spending profiles and how to identify which category you fit into as a spender. Then, I outline how your spending behaviors contribute to fake math in your budget and give practical advice to shift your mindset so you can better align your spending with your financial goals. Regardless of which profile you identify with, it's important to reflect on how you manage your money.
As we move into the New Year, I encourage you to be intentional about how you spend your money, think about planning for the future, and eliminate fake math in your budget.
Tune in to learn which of the four spending profiles you identify with and how to avoid fake math in your budget ...
- [01:51] Profile #1: Feast and Famine Spender
- [06:04] Profile #2: Treat Yourself Spender (YOLO)
- [09:40] Profile #3: Frugal Hoarder
- [13:06] Profile #4: Millionaire in the Making
- [16:30] Questions to help reshape your spending
Tune into this episode of Money Files to learn the four common spending profiles and how your spending style causes "fake math" to show up in your budget.
Get full show notes and the episode transcript: https://wealthovernow.com/ditch-the-fake-math-how-your-spending-habits-impact-your-budget/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
In this episode, I explore the power of building micro habits with your finances. Big financial goals like paying off debt, saving for a down payment on a house, or even setting aside $10,000 can feel overwhelming and out of reach when your goal seems so far away. The key to sustainable progress is building micro habits—small, intentional actions that will get you closer to your goal and generate sustainable results.
I share personal examples, like my 5 AM gym routine and strategies for controlling impulsive spending, so you can see the significant impact a micro habit can make on your life. I also walk you through some money habits I encourage my clients to adopt, such as the 24-hour rule, pre-planning your spending, and using a disposable income account. If you're ready to take control of your finances in the new year, this episode is for you! Learn how to set financial boundaries and set yourself up for long-term success by building micro-money habits in 2025.
Tune in for examples of micro money habits you can start building in 2025. Listen out for key moments in the episode...
- [00:25] How my fitness journey inspired this episode
- [03:20] Why you should build micro money habits in 2025
- [07:50] Micro habit examples to curb impulse and urge spending
- [18:17] Impact of building micro money habits on your financial goals
Tune into this episode of Money Files to learn how to start building micro money habits and how these habits can lead to sustainable success in reaching your financial goals.
Get full show notes and the episode transcript: https://wealthovernow.com/the-power-of-micro-habits-for-financial-success/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
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The New Year often feels like a fresh start, and if one of your goals for 2025 is to take control of your finances, now is the ideal time to reassess your budget.
In this episode, I explain why I make it a point to revisit my budget at the end of each year. I share the key questions I ask myself to ensure my spending aligns with my priorities. Whether you're looking to be more prepared for holiday shopping, save for travel, or simply reassess where your money is going, I invite you to join me in doing a budget reset. This exercise will help you avoid last-minute financial stress, regain control of your money, and ensure you're spending on the things that truly matter to you.
Follow along as I guide you through my simple framework for redoing your budget. Listen for these key tips...
- [00:55] Why I scrap my budget at the end of the year
- [04:55] Questions to ask yourself when redoing your budget
- [25:00] Reflecting on your budget: why this exercise is important
Tune into this episode of Money Files to learn how to redo your budget and set yourself up for financial success in the New Year.
Get full show notes and the episode transcript: https://wealthovernow.com/budget-reset-for-2025-aligning-your-money-with-your-priorities/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
Are you worried about falling back into bad financial habits? Once you start making progress in your financial goals, it is normal for self-doubt or fear to creep in and stop you from making good choices with your money.
In today's episode, I share a concept I use with my clients to help them navigate unexpected challenges during their financial journeys. The financial self-care plan is a tool to fall back on when things go off track. It's not about perfection but knowing how to bounce back when you make a mistake or face financial stress. The goal of this exercise is to build financial resilience and trust in yourself so you can overcome hurdles that get in the way of your goals.
Listen to learn my framework for building a financial self-care plan, and check out for these key moments...
- [03:20] When you need a financial self-care plan
- [05:25] Framework for building a financial self-care plan
- [06:30] Identifying triggers
- [08:05] Working through worst case scenarios
- [12:55] Celebrating wins
- [14:10] Establishing a support person
Tune into this episode of Money Files to discover the benefits of implementing a financial self-care plan and how to create one.
Get full show notes and the episode transcript: https://wealthovernow.com/what-is-a-financial-self-care-plan-and-why-you-need-one/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
In this episode, I'm challenging you to track your finances for one week. I know the idea of jotting down every expense might feel overwhelming or even intimidating, but this exercise isn't about judgment or shame—it's about creating a budget that aligns with your lifestyle and financial goals.
I'll walk you through a simple five-day exercise to help you become more aware of your spending habits. By tracking your daily expenses, you'll get a clear picture of where your money is going, whether it's online shopping sprees or forgotten auto payments. You might be surprised by what you find, and that's totally okay! Building financial awareness is a key step toward stress-free spending, and this one-week challenge is here to help you understand your numbers better.
Are you ready to start my five-day finance challenge? Learn how understanding spending habits is essential to hit your financial goals…
- [0:30] Benefits of tracking your expenses
- [03:30] How to do the 5-day challenge
- [11:58] What to do after you complete the exercise
Tune into this episode of Money Files to join my five-day finance challenge and get a deeper understanding of your spending.
Get full show notes and the episode transcript: https://wealthovernow.com/financial-coach-finance-challenge-money-challenge-spending-tracker-budgeting-personal-finances-financial-goals-expenses-tracker-daily-expenses/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
Resource | Free Five-Day Financial Habit Tracker
As 2024 comes to a close, you might be reflecting on your financial goals and the progress you've made. Many people view progress as a linear checklist of milestones to hit, but regaining control over your finances is far from straightforward. Focusing only on the end goal is discouraging, and that creates a mindset that is unsustainable for lasting change, especially when it comes to how you think and feel about money.
In this episode, I encourage you to reframe how you view your financial journey and the progress you've achieved this year. I'll discuss why the linear approach to progress can be limiting and introduce you to my lily-pad progress method, which leads to more sustainable success. Often, it's easy to overlook the small steps and skills you've gained, but those incremental behavioral shifts are fundamental to generating lasting change.
Take a moment to consider what you can do now that you couldn't do just a week, month, or quarter ago. Celebrate your wins and recognize how far you've come on your financial journey.
Listen in to learn more about the lily pad progress approach and hear about these key topics…
- [01:36] Pitfalls of using a linear approach to tracking progress
- [06:52] Benefits of using the lily-padding progress method
- [12:30] The importance of celebrating wins and acknowledging growth
Tune into this episode of Money Files to learn how to reframe how you think about the progress you’ve made toward reaching your financial goals.
Get full show notes and the episode transcript: https://wealthovernow.com/the-lily-pad-progress-method-reframing-your-financial-progress/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
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In today's episode, I'm joining my client, Dielle Charon, on her podcast, The WOC Sales Show, for a candid conversation about transforming your relationship with money and business. Dielle is a coach specializing in sales, business, and money mindset. Together, we explore the common struggles many of our clients and listeners face—such as overcoming shame, building awareness, and breaking old financial habits.
We created a powerful 5-step framework designed to shift behavior and mindset. Listen as we walk you through each step of the framework for changing a behavior, by sharing real-life business and money examples from our own experiences and client stories. From clarifying your goals to releasing shame and tracking your progress, we cover the practical tools and strategies you need to improve your mindset, business, and finances.
Change may be challenging, but with these actionable steps, you can confidently ditch those bad habits or behaviors that aren't serving you and set yourself up for lasting success. Tune in for a thought-provoking and motivating discussion!
Learn more about the five stages of changing a behavior…
- [03:09] Acknowledging that change is hard
- [07:00] Overview of the framework for changing a behavior
- [09:00] Stage 1: You aren’t aware of the behavior
- [16:02] Stage 2: You are aware, but still do it
- [22:22] Stage 3: You are aware and starting to slow down the behavior
- [34:10] Stage 4: You no longer do it, but still dream of doing it
- [45:54] Stage 5: You no longer have the desire to do it
Tune into this episode of Money Files for a candid conversation about the difficulties of change and learn a new five-step framework to shift behavior.
Get full show notes and the episode transcript:
https://wealthovernow.com/five-stages-of-change-with-dielle-charon/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
Is financial entitlement sneaking into your life? When your income increases, it's easy to start feeling like you "deserve" certain luxuries—like trips, shopping sprees, or hiring help—without fully considering how those choices impact your finances. In today's episode, I explore how financial entitlement manifests, often in the form of thinking about what you "should" be able to do with your money rather than focusing on how it's actually being spent.
I dive into how this mindset can create competing priorities that derail your long-term money goals and leave you feeling overwhelmed or ashamed about your finances. Using real-life client examples, I share actionable strategies to overcome financial entitlement, regain control of your spending, and craft a budget that supports the life you truly want to build. Tune in to learn how to align your spending with your financial goals and avoid the pitfalls of entitlement.
Learn more about financial entitlement and how to shift your mindset to regain control of your finances…
- [02:52] Signs financial entitlement are creeping into your life
- [06:40] Balancing your desires with your financial vision
- [10:25] Why your income level doesn’t matter when it comes to financial entitlement
- [20:30] Steps to overcome financial entitlement
- [20:45] Writing out goals
- [21:37] Changing self talk
- [25:18] Celebrating wins
Tune into this episode of Money Files for a fresh perspective on financial entitlement and how this mindset negatively impacts how you manage your money.
Get full show notes and the episode transcript:
https://wealthovernow.com/when-desires-overwhelm-your-budget-navigating-the-pitfalls-of-financial-entitlement/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
In today's episode, I welcome my client, Denva, to the podcast.
When Denva first came to work with me almost two years ago, she was dealing with credit card debt, starting a new job, and caring for her terminally ill mother. She struggled with feelings of shame and insecurity about her finances, especially around debt, but through our coaching work together, she's completely redefined her relationship with money.
Join us for a financial check-in as Denva walks us through the incredible progress she's made—like paying off credit cards, overcoming emotional spending habits, and shifting her mindset around debt. Her story is a powerful reminder of the impact that mindset shifts and intentional financial management can have on your life.
If you aren't sure if financial coaching is right for you, don't miss this episode! Denva shares insights about what it is like to work with me and her top takeaways from her coaching experience.
Learn about Denva’s financial journey as we chat about these key topics…
- [01:08] What made Denva decide to hire a financial coach
- [09:04] The most notable shifts and changes Denva has experienced since coaching
- [12:25] The role of self-discovery in building financial confidence
- [15:37] How Denva’s mindset about debt has evolved
- [20:30] Intentional spending vs. fear purchases
Tune into this episode of Money Files to hear about Denva’s experience with financial coaching and progress and success she continues to create for herself.
Get full show notes and the episode transcript: https://wealthovernow.com/how-coaching-helped-denva-redefine-her-relationship-with-debt/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
In the past few weeks, I've focused on the importance of debt awareness and how becoming a saver can help break the cycle of debt. Today, I'm excited to share the next step in your financial journey: choosing a debt payoff strategy.
In this episode, I share personal stories and client successes, highlighting how understanding your specific types of debt—like credit cards, student loans, or auto loans—can greatly impact your repayment approach. I'll walk you through the most common debt payoff options, providing examples to help you find a strategy that aligns with your financial goals.
I also stress the importance of managing cash flow and how reducing high monthly payments can create more financial freedom. I encourage you to look into ways to earn extra income through side gigs or monetizing your skills to speed up your debt repayment.
With the right mindset and strategies, I genuinely believe anyone can overcome debt. Remember, you have the skills to succeed on your financial journey. Tune in for actionable insights and inspiration to take control of your debt!
Explore debt payoff strategies and leverage these financial tools to help get out and stay out of debt…
- [02:36] How different types of debt influence payoff strategies
- [03:55] Identifying cash flow opportunities
- [07:28] Comparing debt avalanche versus debt snowball
- [13:25] When to use a balance transfer
- [15:50] Always focus on making more money
Tune into this episode of Money Files to discover which debt payoff strategy is right for you.
Get full show notes and the episode transcript: https://wealthovernow.com/navigating-debt-payoff-insights-and-strategies/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
No matter which holiday you celebrate, the season comes with many expenses and obligations and holiday spending can lead to debt if you don't plan ahead.
In this episode, I'm sharing strategies to help you have a debt-free holiday season. I guide you through exercises to identify what you truly value about the holidays and how to incorporate those values into your budget. I also emphasize the importance of making a detailed gift list and setting realistic budgets so you avoid overspending. Additionally, I explore alternatives to traditional gifts, such as experiences and travel.
Whether you're feeling the pressure of holiday obligations or concerned about overspending, this episode provides practical tips to help you enjoy the season without financial stress. Tune in for insights on celebrating a debt-free holiday!
Try these strategies to plan for the holiday so you can have a debt-free holiday season…
- [02:26] Put the holidays in your budget
- [05:12] Write down what you value about the holiday season
- [08:33] Decide how to express yourself this season
- [12:44] Make a detailed gift giving list
- [17:05] Change the gift giving narrative
- [22:15] Make an event list
Tune into this episode of Money Files to start planning for a debt-free holiday.
Get full show notes and the episode transcript: https://wealthovernow.com/mastering-holiday-spending-how-to-plan-ahead-and-enjoy-a-debt-free-holiday/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
We don’t talk about it often but one fear you might face as a W2 employee is a layoff. In a matter of moments, you can go from feeling secure to financial insecurity.
In this episode, I discuss how to navigate a layoff and offer valuable tips on managing a severance package effectively. I start with a practical exercise to help you determine your "minimum viable number" through a budget analysis. I also recommend applying for unemployment benefits or assistance to make your severance last longer. Additionally, I explain how to structure your withdrawals like a regular paycheck and why understanding your finances empowers you to negotiate future job offers effectively.
Whether you're worried about being laid off or know someone who is, this episode is for you! Tune in for advice on making the most out of your severance package.
Learn how to manage your severance package after a layoff and listen for these key insights…
- [01:25] Why debt should not be your number one concern
- [04:39] Calculating your minimum viable number to live off of
- [07:18] Leveraging your severance to continue the paycheck cycle
Tune into this episode of Money Files to learn how to make the most out of your severance package.
Get full show notes and the episode transcript: https://wealthovernow.com/unpacking-your-severance-how-to-manage-money-during-a-layoff/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
Many of my clients try paying off debt in lump sums and then get frustrated when they find themselves in four or five figure debt again. As a financial coach, my goal is to help you build sustainable financial habits to help you disrupt the debt cycle. One of my clients recently paid off over $30,000 in debt, and I use her story and others to walk you through my six-step framework for paying off debt sustainably.
If you’ve ever tried to pay off debt before but found yourself frustrated or even in more debt you’ll want to listen to this episode. While listening you’ll gain key takeaways to help become a saver, the secret to paying off debt.
In this episode, I explain why learning how to become a saver will help you pay off debt in these six steps…
- [04:23] Operational Framework: Why you should become a saver before paying off debt
- [05:52] Step #1 Uncover why you are in debt
- [06:14] Step #2 Budget for minimum debt payments
- [08:04] Step #3 Start setting up sinking funds
- [11:22] Step #4 Run your plan for 90 days
- [17:09] Step #5 & 6 Evaluate and Accelerate
Tune into this episode of Money Files to understand why saving money is the secret to paying off debt and breaking the debt cycle.
Get full show notes and the episode transcript: https://wealthovernow.com/why-becoming-a-saver-is-the-secret-to-paying-off-debt/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
How often do you buy something simply because it’s on sale? As we approach the holiday shopping season, I challenge you to reflect on how sales influence your purchasing decisions. Don’t get caught up in consumer marketing tactics because chasing deals is making you broke!
In today’s discussion, I emphasize the importance of reserving your shopping for items on your shopping list. I challenge you to follow your favorite brand or store and you’ll discover, there is always a sale! Learning to bypass isn’t about limiting yourself; it’s about reshaping your spending habits so you can be more intentional with your money and spend on things you value.
Join me in this episode for practical tips on recognizing your buying patterns when tempted by a sale or coupon. I’ll share advice on resisting the urge to buy something just because it’s discounted and highlight the significance of making a shopping list to ensure you’re spending on what you truly want rather than falling into the trap of impulse buys..
Learn how to recognize your buying behavior during sales season and make changes toward intentional spending habits…
- [02:10] Think about your buying behavior when there are sales
- [05:07] What was the last thing you bought on sale?
-
[08:11] Was it a good buy?
-
[11:22] Reserve sales seasons for things that are actually on your list
- [13:53] Plan out your spending
Tune into this episode of Money Files to understand your response to sales and how to reshape your spending habits to be more intentional with your money.
Get full show notes and the episode transcript: https://wealthovernow.com/dont-be-a-sales-side-chick-how-to-sales-proof-your-finances/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
As we approach the end of the year, it is time to start thinking about your relationship with debt. If you've paid off debt only to fall back into it, feel ashamed about your financial situation, or are ready to break free from the debt cycle, this episode is for you.
Today, I'm focusing on building personal debt awareness. This episode isn't about creating a debt payoff plan or managing your finances; it's about uncovering your unique debt story to understand how and why you're in debt.
I'll guide you through a three-step framework that begins by challenging common beliefs about debt and exposing ways we justify accumulating debt. Then, I'll provide a series of questions to help you explore your feelings about debt and ultimately make peace with it.
Your financial journey is about understanding your relationship with money. So take a moment to reflect on your debt, embrace your story, and learn how debt awareness leads to a healthier financial future.
Learn how to build personal debt awareness by following these steps…
- [01:15] Justifying debt: common beliefs that keep you in a debt cycle
- [03:12] Understanding your debt story
- [06:30] Recognizing how you feel when your debt increases
- [08:06] Making peace with your step
Tune into this episode of Money Files to understand your relationship with debt and how awareness can help get you out of a debt cycle.
Get full show notes and the episode transcript: https://wealthovernow.com/understanding-debt-how-awareness-breaks-the-debt-cycle/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
My five-month coaching container isn't about achieving perfection. Some clients treat financial growth like a checklist, trying to rush through it. However, if you approach your relationship with money with the intention to get it done as quickly as possible, you're missing out on developing lasting money habits that will serve you in the long run.
In today's episode, I dive into the concept of a money pause. A money pause is an opportunity to ask yourself why you are making a financial decision. Every choice has both intended and unintended consequences. When you're overwhelmed by fear and anxiety about money, you act impulsively and don't consider the broader financial impact of a quick purchase on Amazon or using your entire bonus to pay off credit card debt.
As a financial coach, my goal is to help you shift your habits. By pausing to think about why you are making a decision, you can regain control of your finances and achieve goals faster. Ready to start making intentional decisions about your finances? Tune in to learn how to implement a money pause the next time you feel pressured to make a financial decision.
I explain what a money pause is and how to use one effectively, hitting on these key topics…
- [05:50] Power of a money pause: paying the wrong credit card
- [10:18] Intended vs. unintended consequences of financial decisions
- [14:23] Disrupting the “I’ll figure it out” mentality
- [20:02] Power of a money pause: leveraging bonuses effectively
Tune into this episode of Money Files to learn the power of a money pause and how to navigate financial decisions intentionally.
Get full show notes and the episode transcript: https://wealthovernow.com/stop-think-spend-implementing-a-money-pause-for-better-financial-decisions/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
It is okay to value spending money differently than the way your friends value spending money. Sometimes, we are so focused on keeping up appearances or worried about missing out that we allow our friends to pressure us into spending money on things we don't really care about.
In today's episode, I share four effective strategies for setting financial boundaries with your friends. From initiating conversations about your money goals to suggesting alternative, budget-friendly activities, I'll cover how to keep your relationships strong without compromising your money goals.
You don't have to match your friends' spending habits or feel pressured to say “yes” to every event. True friends will respect your financial boundaries. Don't be afraid to be proactive and clear about your current and future goals. By setting these boundaries, you protect your finances and set a positive example for your friends.
Learn 4 ways to set financial boundaries with your friends including…
- [02:46] Practicing sharing financial goals with your friends
- [06:28] Being the friend that makes the plans
- [08:14] Being the friend that suggests something new
- [10:57] Getting comfortable saying no
Tune into this episode of Money Files to learn 4 strategies to set financial boundaries with your friends so you can maintain meaningful relationships without sacrificing your money goals.
Get full show notes and the episode transcript: https://wealthovernow.com/balancing-friendship-and-finances-4-ways-to-set-financial-boundaries-with-your-friends/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
Social media makes it too easy to compare ourselves to others, leading many to spend beyond their means and pile up debt.
As a financial coach, my mission is to help you intentionally spend money in ways that align with your future goals. Today's episode is all about living a fake rich lifestyle and what you can do to stop overspending and start taking control of your finances.
Living a fake-rich lifestyle causes financial hangovers—that feeling of dread, guilt, and shame that keeps you up at night wondering how you're ever going to pay off your credit card. I share what traps six-figure earners in a fake-rich lifestyle and offer tips to help you align your spending, budget, and financial goals.
Budgeting isn't about restriction; it's about making intentional choices that won't leave you feeling shame or guilt every time you make a purchase. Tune in to learn how to stop living a fake rich lifestyle and start leveraging financial tools that support your immediate desires and long-term goals.
Listen for key points in the discussion about living a fake rich lifestyle…
- [02:04] Defining a fake rich lifestyle
- [03:45] Examples of how a fake rich lifestyle leads to financial hangovers
- [07:08] The pitfalls of letting your offer letter dictate your spending
- [10:42] The importance of reflecting where you are versus where you want to be financially
- [14:36] Learn how to spend now while also securing your financial future
- [14:45] Forgiveness & gratitude
- [18:20] Writing down all your expenses in one place
Tune into this episode of Money Files to learn the pitfalls of living a fake rich lifestyle and how to regain control of your finances so you can spend money drama-free.
Get full show notes and the episode transcript: https://wealthovernow.com/stop-living-a-fake-rich-lifestyle-practical-tips-for-managing-your-money-intentionally/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
Regaining control of your finances isn't just about hitting your goals—it's also about who you're becoming throughout the journey as you build a new financial identity.
In today's episode, I emphasize the value of non-budget victories. These achievements go beyond major financial milestones like paying off debt or growing your savings. Non-budget victories can include anything from developing better financial habits to having impactful money conversations.
I share an overview of non-budget victories so you can start celebrating financial wins. Then, I'll share examples of my clients' non-budget victories and explain how these wins are crucial building blocks for long-term success. Finally, we'll explore how celebrating these non-budget victories helps reframe your progress and encourages a growth mindset.
Join in as I discuss non-budget victories…
- [01:34] Why our brains focus on what’s not working
- [04:40] Why It’s okay to not reach your goal right away
- [06:25] The impact of celebrating non-budget victories
- [14:53] Why it’s important to celebrate every win
Tune into this episode of Money Files to learn how non-budget wins are the building blocks to financial success.
Get full show notes and the episode transcript: https://wealthovernow.com/why-non-budget-victories-are-the-building-blocks-to-paying-off-debt-and-saving-money/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
Today, I'm thrilled to welcome back a familiar guest to the podcast—Lynae! We first worked together in 2020, and she's been crushing her financial goals ever since. This is Lynae's third appearance on the show, and I'm excited to have her back so you can gain insights to the full impact of financial coaching from a long-term perspective.
In this episode, Lynae and I explore the lasting effects of financial coaching. It's been four years since Lynae reached out for coaching, and today she shares how her mindset about money has evolved, including what life is like after paying off credit card debt and building an emergency fund.
We also explore the power of a growth mindset. Lynae discusses how this shift has empowered her to negotiate with her employer, invest in real estate, and continue growing her own business. Throughout our conversation, she highlights how she continues to apply the strategies and tools she gained from coaching to plan for her future.
Tune in to hear Lynae's inspiring journey and discover how the legacy of financial coaching can transform life. Don't miss out on this insightful discussion.
In this episode you’ll hear…
- [02:15] How Lynae’s thoughts about money have changed since 2020
- [04:30] What her life looks like after hitting her initial financial goals
- [10:00] Her confidence to negotiate with her employer
- [16:22} Her journey to purchasing her first commercial real estate investment
- [24:14] The impact of a growth mindset and leveraging an effective budget
- [35:22] Lynae’s future goals
Tune into this episode of Money Files to hear how the long-term impacts of financial coaching continue to help Lynae achieve her financial goals.
Get full show notes and the episode transcript: https://wealthovernow.com/the-legacy-of-financial-coaching-how-coaching-helped-lynae-invest-in-real-estate/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
2025 is only four months away! Don’t wait to start planning for next year’s financial goals.
In today’s episode, I share three ways to prepare for Q4. From budgeting for the holidays to planning for open enrollment and thinking about Fall activities, I encourage you to start planning ahead for Q4.
The end of the year can feel like one of the most expensive times of the year but taking 30 minutes to adjust your financial plan can leave you feeling prepared. Taking the time to plan ahead will help you adjust your budget categories, shift your spending habits, and save money for things that are coming 30, 60, or even 90 days from now.
Tune in to learn three financial tips to prepare for Q4:
- [01:15] Planning for holiday expenses
- [06:55] Thinking about open enrollment
- [11:57] Pre-holiday events & fall expenses
- [13:25] Reflecting on the year and making adjustments
Tune into this episode of Money Files to learn three ways to prepare for Q4 and stay on track to hit your 2024 money goals.
Get full show notes and the episode transcript: https://wealthovernow.com/financial-preparedness-three-ways-to-plan-for-q4-expenses/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
What are you going to do with your next bonus? If your answer is to pay down debt, this episode is for you!
Today, I discuss why you shouldn’t use your bonus to pay off debt. Instead, use that extra income in a more meaningful way that will help you stop needing to utilize debt to cover unexpected (or YOLO) expenses.
Using your bonus to clear debt might give you temporary relief, but you need to understand why you are in debt to avoid being right back in debt by the end of the year. Paying down your debt should be a part of a strategic plan that is not promoted by a large bonus.
I coach my clients to use their bonuses to build a safety fund. Safety funds help you prepare for future expenses so you’re not left swiping your credit card.
Tune into hear why you shouldn’t use your next bonus to pay down debt and learn what to do with it instead:
- [01:40] How paying off debt leaves you vulnerable
- [03:18] Observing spending habits
-
[06:19] Debt pay off plan
-
[07:09] Build your safety fund
- [10:00] Setting timelines for debt payoff
Tune into this episode of Money Files to learn why you should use your next bonus to build a safety fund.
Get full show notes and the episode transcript: https://wealthovernow.com/personal-finances-saving-financial-coach-money-coach-bonuses-extra-income-debt-payoff-budget-spending-plan-safety-fund/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
In today's episode, my client, Krissy, joins the podcast. Our conversation recaps Krissy's journey working with me. Krissy shares why she decided to book a consultation with me and how working with a financial coach has changed the way she thinks about and manages her finances.
She also shares the unique challenges of managing finances as a mom and how her new identity as a saver has shifted her spending. We cover everything from personal allowances to aligning your budget with priorities.
If you are on the fence about working with a financial coach, this episode is for you! Learn about what it is really like to work with me and get inspired by the positive changes Krissy has made with managing her finances.
Listen to Krissy’s journey and learnings from working with me as her financial coach:
- [01:12] Why Krissy decided to work with Keina
- [10:33] Identifying as a saver
- [14:28] Managing finances as a mom
- [28:20] Importance of revisiting priorities
- [32:34] Recalibrating spending
- [36:53] Krissy’s monthly allowance
- [44:00] Was coaching worth it?
Tune into this episode of Money Files to hear how money coaching with Keina changed the way a career-driven mom manages and thinks about her finances.
Get full show notes and the episode transcript: https://wealthovernow.com/how-saving-money-helped-krissy-spend-on-things-that-mattered/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
Why was it easier to budget when you made less money?
When you were barely making enough to get by, you were really good at budget - but you also created an invisible scarcity mindset around your finances. Food, water, and shelter were the most important things to you. Once you start earning more, that feeling of scarcity doesn’t just go away. Everyone has deep-seated emotions about money, and for many, spending fills a void and so the budgeting conversation has to shift when you go from making $30,000 to $100,000 to $200,000.
In today’s episode, I discuss the complexities of high-income budgeting. From understanding different types of spending needs to learning what to do with extra money after the bills are paid, I encourage you to take a different approach to managing your finances so you can let go of the scarcity mentality and shame, and start aligning your budget with your goals and have more money for what you want.
Tune in now to explore why it is more challenging to budget as you make more money and learn:
- [01:30] Why budgeting was easier when you made less money.
- [04:42] Why more money = more comfort
- [07:36] Basic needs vs. emotional needs
- [11:54] What to do with “extra” money
- [16:30] Why your goals should anchor your budget
Tune into this episode of Money Files to learn why it is more challenging to budget when you make more money and how to overcome a scarcity mindset.
Get full show notes and the episode transcript:
https://wealthovernow.com/why-was-budgeting-easier-when-you-made-less-money/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
I can guarantee you have money going out of your account right now that you don’t know about. As a financial coach, I want you to spend money intentionally. Regaining control of your finances starts with matching your expenses to your values and goals. This not only helps you manage your money better but also opens up opportunities to increase savings, pay down debt faster, and spend money drama free.
In today’s episode, I share a money exercise I do with all of my clients: the cost-saving audit. An annual cost-saving audit ensures you are spending money in ways that feel intentional and align with your goals. I explain the importance of auditing negotiable bills and subscriptions so you can repurpose money to spend on things you love.
From checking your cell phone plan and car insurance coverage to managing TV subscriptions, I explain how to conduct a cost-savings audit to optimize your budget.
Learn where to audit your budget:
- [02:15] Auditing negotiable expenses
- [05:50] Auditing subscriptions
Tune into this episode of Money Files to learn how to conduct a cost saving audit.
Get full show notes and the episode transcript: https://wealthovernow.com/aligning-expenses-with-values-how-to-conduct-a-cost-saving-audit/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
As a financial coach, my goal is to create sustainability in your financial journey. Sometimes that means doing things differently. Traditional financial advice says to save $1,000 and put everything else towards paying down debt. But paying off debt can be tiresome and demotivating.
In today’s episode, I offer a more sustainable practice for paying down debt: a debt spending break. A debt spending break fights payoff fatigue by allowing you to use some of the cash flow allocated for faster debt payoff on something you really want. This break remotivates you to continue your debt payoff plan without adding to your debt.
Achieving your goals is all about being intentional and forming sustainable habits. Learn the benefits of instituting a debt spending break, when to schedule one, and the long-term impact of consistency in managing your finances.
Listen for key insights on debt spending breaks:
- [02:50] Aligning financial advice with how you want to live your life
- [06:00] Instituting a debt spending break
-
[08:10] When to implement it
-
[12:31] Intentionality & goal achievement
Tune into this episode of Money Files to learn how a debt spending break leads towards more sustainable financial habits.
Get full show notes and the episode transcript:
https://wealthovernow.com/are-you-tired-of-paying-down-debt-how-to-implement-a-debt-spending-break/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
In today’s episode, I welcome Dana to the podcast. Dana and her husband Dan became clients in 2022 while struggling to find the middle ground between conflicting money mindsets. They were busy with career shifts, preparing to buy a home, and figuring out life as a couple. Instead of letting money become a fight, they hired a coach.
Dana and Dan had the same financial goals but didn’t agree on the path to get there. Listen as we discuss how coaching addressed both of their money management styles and ultimately brought more transparency and clarity to the way they handle their finances. Dana also shares what her experience was like working with me and the long-lasting changes having a money coach made in her finances and marriage.
Tune in as Dana and I discuss money coaching for couples including:
- [02:07] Why Dana reached out for coaching
- [09:23] The power of bank account transparency
- [14:26] Dana and Dan’s notable wins
- [29:48] The overall shifts in how they manage finances
Tune into this episode of Money Files to hear a discussion with my client, Dana, about how money coaching changed how she and her husband handle their finances.
Get full show notes and the episode transcript: https://wealthovernow.com/how-to-get-on-the-same-financial-page-with-your-partner-client-conversation-with-dana-johnson/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
As a financial coach, I aim to help clients transform how they think and feel about money. Sustainable change starts with taking the next best step in your financial journey.
In today’s episode, I discuss the importance of meeting yourself where you are with your finances. Your next best step is whatever will get you closer to a win. Every money move doesn’t have to be motivated by a huge financial goal like paying off all your debt. You must take the smaller but next-best step to get to those major wins.
If you’re in a space where you’re not sure where to go next financially, because you feel like you’re so far off from your goal this episode is for you.
On this episode you’ll learn more about:
- [02:50] Celebrating what is happening now
- [04:18] Client example: taking the next best step
- [15:55] Pitfalls of an all-or-nothing mentality
Tune into this episode of Money Files to learn how to figure the next best step in your finances.
Get full show notes and the episode transcript:
https://wealthovernow.com/sustainable-change-take-the-next-best-step-to-change-how-you-think-and-feel-about-money/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
We are halfway through 2024, and it’s time to reflect on the financial goals and intentions you set in January. Whether you are crushing your money goals or need a financial reset, getting crystal clear on your numbers is essential. It is never too late to regain control of your finances!
Between school breaks, vacations, and beautiful weather, it is easy to lose track of your finances in the summer. So, let this episode be your sign to pause and evaluate the progress you’ve made so far this year.
In today’s episode, I give you questions to jumpstart a mid-year financial reflection, celebrate wins, acknowledge surprise expenses, and create a plan to hit your money goals in 2024. Tune in and follow my framework for a practical six-month financial evaluation.
Stay tuned for insights on these topics:
- [01:39] Breaking financial goals into habits
- [03:29] Reflecting on progress of 2024 financial goals
- [06:42] What’s going well?
- [09:20] Surprise expenses
-
[12:09] What do you want to do differently?
-
[13:29] Other money goals to check on
Tune into this episode of Money Files to jumpstart a mid-year reflection on your financial goals for 2024.
Get full show notes and the episode transcript: https://wealthovernow.com/mid-year-financial-check-in-breaking-money-goals-into-habits/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
Atomic Habits: An Easy & Proven Way to Build Good Habits & Break Bad Ones
Annualcreditreport.com
Better financial well-being starts with identifying spending patterns. Tracking bills in an app is a start, but those apps aren’t showing you a complete picture of your finances. A financial coach can help you find patterns in your finances so you can take a holistic approach to managing money.
Financial patterns are day-to-day data of your spending. Your bank account tells a unique story, from simple costs like tolls and Starbucks to significant expenses like bills. As a financial coach, I use this data to create a realistic budget and make spending easier.
Financial patterns aren’t about restriction. Understanding what you spend money on gives you clarity and control. Learn how to turn your budget into a tool, build financial confidence, and achieve money goals faster by discovering your financial patterns.
Stay tuned for insights on these topics:
- [02:21] Intro to financial patterns
- [03:27] Aligning your actual spending and your budget
-
[04:10] Client example
-
[10:15] Financial patterns are more than bills
- [11:58] Identifying simple costs
- [16:24] Avoiding fake math
Tune into this episode of Money Files to learn how financial patterns shape your budget and spending plan.
Get full show notes and the episode transcript:
https://wealthovernow.com/how-financial-patterns-can-help-shape-your-budget/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
Welcome back to the podcast series about paychecks. Today, I'm diving into the intricacies of managing household finances when you and your partner have different pay schedules.
Regardless of when you and your partner get paid, having a solid budget is vital to alleviating financial anxiety. It provides a clear roadmap for managing expenses and savings goals. Learn how I recommend finding consistency in multiple pay cycles and leveraging routine to make smart money decisions.
The key to financial harmony is communication and collaboration. So, tune in and take the first step towards aligning your finances with your partner.
Stay tuned for insights on these topics:
- [01:54] Importance of a budget/spending plan
- [04:04] Find similarities in your pay days
- [08:55] Money management goal
Tune into this episode of Money Files to learn how to manage joint finances when you and your partner on different pay cycles.
Get full show notes and the episode transcript: https://wealthovernow.com/aligning-finances-how-to-budget-as-a-couple-with-different-paydays/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
Whether you make $100,000 or $1,000,000 a year, your financial habits will follow you. Many clients think their money problems will disappear when earnings increase, but it doesn't matter how or when you get paid; it matters how you think about and manage your money.
Today's episode continues the podcast series about paychecks. I address common mistakes people who get paid once monthly make and share strategies to manage these paychecks confidently. From detailed budgeting to creating a second payday, I share healthy financial habits to help you break the paycheck-to-paycheck cycle.
Stay tuned for insights on these topics:
- [01:45] It doesn’t matter how you get paid: paycheck series recap
- [07:16] Getting paid once a month
- [09:52] Creating a second payday
Tune into this episode of Money Files to learn how to manage your finances in a once monthly paycheck cycle.
Get full show notes and the episode transcript: https://wealthovernow.com/creating-a-second-payday-how-to-manage-money-in-a-once-monthly-paycheck-cycle/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
In this installment of the podcast series about maximizing your paycheck I am talking about extra income on payday. Overtime, bonuses, and side hustles are a great way to make additional money, but how should you account for this income in your budget?
I want you to be thoughtful, purposeful, and intentional about how you’re paid so you can better manage your money. Properly allocating extra income is crucial to breaking the paycheck-to-paycheck cycle.
The most important thing to remember about extra income is that it is not guaranteed. Bonuses can change, and overtime can be limited, so relying on that money in your budget can throw off your financial plans if you’re not intentional. Learn what money goals to assign to your extra income and why these potential earnings don’t need to be a part of your monthly budget.
Every dollar you make has a job, so listen to how to make the most of your additional income. Stay tuned for insights on these topics:
- [02:00] Examples of extra income
- [03:25] Why you shouldn’t count extra income in your budget
- [06:00] Using extra income to hit discreet goals
- [07:17] Why budgeting and a spending plan is important
Tune into this episode of Money Files to learn how to leverage extra income on your paycheck and why you shouldn’t use it when creating a budget.
Get full show notes and the episode transcript:
https://wealthovernow.com/optimize-your-earnings-what-to-do-when-you-have-extra-money-in-your-paycheck/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
This is the third episode of my podcast series about paychecks. Today, I discuss bi-weekly and twice-monthly pay cycles.
It doesn't matter how you get paid; it matters how you think about and manage your money. Whether you get bi-weekly or twice-monthly paychecks, zero-based budgeting is essential. I provide a practical framework for calculating your monthly spending plan based on your pay schedule and how to account for extra income. Most importantly, I stress the importance of maintaining a consistent budgeting approach regardless of pay frequency so you can spend drama-free.
Following these strategies will build financial confidence and break the paycheck-to-paycheck cycle. Tune in to learn more about budgeting for your pay cycle and transforming the way you think about and manage your finances.
Stay tuned for insights on these topics:
- [02:30] Bi-weekly vs. twice monthly paycheck cycles
-
[04:10] The illusion of making less or more
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[05:20] Zero-based budgeting for bi-weekly and twice monthly pay cycles
-
[07:25] Misconceptions about the 3rd paycheck
-
[10:58] Importance of a spending plan
Tune into this episode of Money Files to learn how to manage your finances with a bi-weekly or twice monthly pay cycle.
Get full show notes and the episode transcript:
https://wealthovernow.com/understanding-your-paycheck-cycle-bi-weekly-vs-twice-monthly-paychecks/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Paycheck Series: Build the Habit of Checking Your Pay Stub - Wealth Over Now
Download my FREE spending plan
Navigating your pay stub as a freelancer or 1099 contractor can feel daunting especially when you’re responsible for paying your own taxes or navigating fluctuations in pay.Today, I discuss paycheck management strategies for people who work as freelancers or 1099 contractors as a primary source of income.
From tax-saving strategies to creating a PTO system for yourself, I guide you through essential steps to manage your money effectively as a 1099 contractor. Whether you are new to freelancing or a seasoned contractor, this episode offers valuable insights to optimize your paychecks, prepare for the future, and hit your money goals.
Tune in to learn how to navigate the complexities of earning a 1099 income and set yourself up for financial success!
Stay tuned for insights on these topics:
- [03:00] System for saving for taxes
- [04:31] Accounting for expenses
- [05:58] Creating a PTO savings account
- [07:15] Giving yourself a paycheck
- [08:42] Planning for retirement
- [10:03] Consider forming an S-corporation
- [14:30] What to do when your 1099 is a side hustle
Tune into this episode of Money Files to learn how to manage your paycheck as a 1099 contractor.
Get full show notes and the episode transcript:
https://wealthovernow.com/paycheck-series-how-to-manage-your-paycheck-as-a-1099-contractor/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
16 | How Lourdes Learned to Manage Fluctuating Income
Checking your pay stub is not just a financial task, it's a habit that can transform your financial journey. You may be used to the rhythm of your paydays, knowing when that deposit hits your account. But how often do you actually scrutinize your paystub? Let's start building this crucial habit together.
In today's episode, I underscore the importance of checking your pay stub. If you want to spend drama-free, you have to know your numbers. The first step is understanding every detail about your paycheck, noticing fluctuations or unexpected deposits, and staying informed. Whether there are changes in payroll processors, shifts in benefit deductions, or misunderstanding a bonus structure, building the habit of checking your pay stub puts you in control of your numbers.
Stay tuned for insights on these topics:
- [01:09] Make a habit of checking your pay stub
- [02:10] check at the beginning of the year
- [04:30] check every payday
-
[06:46] check for bonuses and overtime
-
[08:35] Noticing fluctuations in pay
Tune into this episode of Money Files to why it is important to build the habit of checking your pay stub.
Get full show notes and the episode transcript:
https://wealthovernow.com/paycheck-series-build-the-habit-of-checking-your-pay-stub/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
How Fake Math Is Killing Your Budget - Wealth Over Now
In 2024, I want to help you earn more money! Today, I am joined by Leigha May to continue the conversation about under-earning. Leigha is a career and executive leadership coach who helps her clients get the pay they deserve.
Leigha shares everything you need to know about under-asking. We discuss the tendency to under-ask based on limiting beliefs shaped by our upbringings and societal influences. We also talk about the importance of seeing your paycheck as a business transaction, focusing on the value you bring to the organization rather than personal worth.
Then, we tackle practical strategies for negotiating salary increases and confidently advocating for yourself. Whether you want a pay bump in a current role or are actively searching for a new job, Leigha's invaluable insights will help you earn more money!
Stay tuned for insights on these topics:
- [02:20] What is under-asking
- [05:30] Leigha’s journey
- [09:20] Common pitfalls
- [12:12] Asking for more in a current role vs. job hunting
- [22:24] Determining your value
Tune into this episode of Money Files to learn how to stop under-asking, earn more money, and get a salary you deserve.
Get full show notes and the episode transcript:
https://wealthovernow.com/how-to-stop-under-asking-and-get-the-salary-you-deserve-with-leigha-may/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
EP. 120 3 Essential Steps to Auditing Your Money Team for Financial Growth
Leigha May Coaching
Submit a HR Note to Leigha’s Podcast
30 Day Confidence Challenge
The Worklife Coach Podcast
In today's episode, I continue the conversation about under-earning. Money is a tool that can get you anywhere you desire to be, so regardless of your current position or financial status, I want you to make more money!
I guide you through a series of exercises to help cultivate a six-figure mindset based on achieving your dream salary. This concept isn't about making more money for the sake of making more money. Building a six-figure mindset is about establishing goals, exploring possibilities, and confirming the belief that your earning potential is limitless. By clearly outlining your vision for the future and reaffirming a positive financial mindset, no goal is too big.
Whether you've just landed a promotion or are currently at your highest income level, this episode is for you!
Stay tuned for insights on these topics:
- [02:49] Introduction to a 6-figure mindset
- [05:20] Reflecting on the past and imagining the future
- [08:46] Exploring possibilities
- [10:00] Establishing beliefs around a 6-figure mindset
- [12:17] Leveraging a dream budget
- [15:21] Setting goals
Tune into this episode of Money Files to learn how to create a 6-figure mindset around your dream salary number.
Get full show notes and the episode transcript: https://wealthovernow.com/how-to-build-a-6-figure-mindset/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
How To Build A Money Team - Wealth Over Now
Negotiating for the Salary You Desire & Deserve with Kim Tran - Wealth Over Now
How To Make A Career Pivot with Kim Tran - Wealth Over Now
Exploring A New Mindset To Make More Money: The Ownership Of You - Wealth Over Now
You Are A Badass At Making Money: Jen Sincero
Overcoming Underearning(R): A Five-Step Plan to a Richer Life
In this episode, I continue my podcast series about underearning. You need to audit your money team to feed your earning potential. Surrounding yourself with the right people and resources is essential to getting the salary you deserve.
I share the three most effective ways to audit your money team. Finding people who positively contribute to your mindset about earning more money will help you aim higher professionally. Whether it is someone you know personally, a voice that inspires you, or a learning resource, building a money team that shifts limiting beliefs and encourages your growth significantly impacts earning potential.
Are you ready to unlock new opportunities and transform your financial future? Listen to learn how a support network and money team can help you earn more.
Stay tuned for insights on these topics:
- [01:14] Recognizing our thoughts about money come from the people around us
- [11:29] Auditing your money team to feed your earning potential
- [15:06] Cut out people who confirm your biases
- [15:49] Invest in a book or podcast about earning more money
- [23:12] Find someone who inspires you to earn more
Tune into this episode of Money Files to learn how to audit your money team to feed your earning potential.
Get full show notes and the episode transcript: https://wealthovernow.com/3-essential-steps-to-auditing-your-money-team-for-financial-growth/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
How To Build A Money Team - Wealth Over Now
Negotiating for the Salary You Desire & Deserve with Kim Tran - Wealth Over Now
How To Make A Career Pivot with Kim Tran - Wealth Over Now
Exploring A New Mindset To Make More Money: The Ownership Of You - Wealth Over Now
You Are A Badass At Making Money: Jen Sincero
Overcoming Underearning(R): A Five-Step Plan to a Richer Life
Welcome to the first episode of my new series about underearning! I will not allow you to make less than your worth. Let's make a goal for 2024 to leverage earning potential and get the salary your experience, expertise, and knowledge demands.
The root cause of under-earning is a mindset block. You aren't earning more because you aren't asking for more. But breaking free from under-earning isn't just about asking for a raise. It's about confronting the fears that hold us back, like the fear of hearing "no." Rejection is part of the journey but also a stepping stone towards growth. Surrounding yourself with people who uplift and support your financial goals and building a financial safety net will also give you the confidence to ask for a raise.
Throughout this series, I'll dive deeper into each aspect of under-earning and how to overcome it. It's time to stop settling and start making the money you deserve!
Stay tuned for insights on these topics:
- [02:40] Keina’s experience asking for and earning more
- [07:15] You don’t earn more because you don’t ask for more
- [07:23] Find your number
- [09:19] Fear of hearing no
- [12:37] You have a broke money team
- [15:51] Building an emergency fund
Tune into this episode of Money Files to learn how to break free from mindset blocks, confront fears, and get the salary you deserve.
Get full show notes and the episode transcript:
https://wealthovernow.com/three-shifts-you-need-to-stop-underearning/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
How To Build A Money Team - Wealth Over Now
You Are A Badass At Making Money: Jen Sincero
Overcoming Underearning(R): A Five-Step Plan to a Richer Life
If you feel like your spending is out of control, it's time to revisit your budget. An effective budget isn't about restriction; it's about aligning your money goals and values with your spending habits. Getting intentional with your spending will shift your financial taste buds and change the way you think and feel about money!
In today's episode, I share how a client has progressed from uncertainty around her finances to drama-free spending. I share a situation where she felt like she had overspent and how we worked together to overcome feelings of judgment and shame. In just a few months, this client has gained clarity and control over her finances and developed a healthier relationship with money. Now, she is empowered to spend money on things that really matter to her without destroying her budget.
Are you ready to change your financial taste buds and save thousands of dollars without feeling restricted? Tune in to learn how intentional budgeting and mindful spending will radically change your finances!
Stay tuned for insights on these topics:
- [01:45] Helping clients through feelings of failure
- [06:20] Financial taste buds change
- [15:00] Impact of intentional spending
Tune into this episode of Money Files to learn how to shift your financial tastes buds and spend intentionally!
Get full show notes and the episode transcript: https://wealthovernow.com/shifting-your-financial-taste-buds-the-power-of-intentional-spending/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
In this week's Financial Spring Cleaning series episode, I challenge you to reflect on the first 90 days of 2024. It's unbelievable how quickly time flies, and it is so important to take a step back to evaluate our financial progress, goals, and habits.
Reflecting on what has worked well in the past quarter allows us to celebrate our progress and identify areas of growth. Acknowledging our achievements, whether it's consistently saving money, paying off debt, or investing wisely, is essential. Conversely, recognizing what didn't work allows for honest self-assessment and the opportunity to course-correct. In addition to reflecting on Q1, it's time to refresh intentions and goals so we can continue to foster positive money habits.
By envisioning where we want to be in the future, whether it's April 2025 or the next six months, we can chart a clear path toward financial success. My goal is to empower you to take control of your finances so you can spend drama-free and confidently pursue your dreams!
Tune in for insights on these topics:
- [02:10] Write out financial goals and intentions
- [05:45] Audit Q1 - what is going well?
- [07:51] What didn’t work in Q1?
- [09:00] What do you want to do differently?
Tune into this episode of Money Files to learn how to do a 90-day financial reflection and stay on track to hit your money goals in 2024!
Get full show notes and the episode transcript:
https://wealthovernow.com/financial-coaching-money-coach-money-goals-financial-goals-90-day-financial-reflection-financial-management-budgeting-financial-forecasting-saving-money-money-goals/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over No
Budgeting isn't just about paying bills. It's about understanding your spending patterns and making informed decisions. Our spending habits shift with the seasons. With warmer weather comes the temptation to indulge in outdoor activities, dining out, and vacations.
In today's episode, I share how to create a 90-day financial plan so you can vacation without stressing over your finances. Looking at your calendar and estimating costs for upcoming travel and holidays allows you to anticipate spikes in spending so you can feel in control. Predicting vacation expenses like eating out, hotels, gas money, and souvenir shopping gives a realistic expectation of your spending so you can make informed choices.
By taking a proactive approach to budgeting, you'll enjoy your vacations without the post-trip financial hangover!
Stay tuned for insights on these topics:
- [01:20] Money has seasons
- [03:45] Vacation planning
- [04:50] 90-day travel plan
- [09:00] Expenses to plan for
- [13:30] Consider overspending opportunities
Tune into this episode of Money Files to learn how a 90-day travel budget plan allows for drama-free vacation spending!
Get full show notes and the episode transcript: https://wealthovernow.com/financial-spring-cleaning-planning-your-vacation-budget-for-the-next-90-days/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Are you considering buying a home in 2024? Whether you are just starting to think about buying a home or you’re already working hard to save a down payment, there are five essential steps you need to take before committing to a mortgage.
This episode is part two of my financial spring cleaning series, and today, I want to focus on preparing to become a homeowner. From getting into the right mindset and overcoming money insecurities to exploring finance options, I share the five-part framework I used to buy my first home. Saving for a down payment is important, but there is so much else you need to do to prepare for homeownership. If buying a home is one of your goals in 2024, this episode is for you!
Stay tuned for insights on these topics:
[01:40] Shifting your mindset
[05:30] Step 1: Create a budget of current expenses
[06:20] Step 2: Create a home budget
[10:20] Step 3: Explore financing options
[13:25] Step 4: Build a relationship with a realtor
[14:25] Step 5: Revisit your home budget
Tune into this episode of Money Files to learn five essential steps you should take to prepare for homeownership.
Get full show notes and the episode transcript: https://wealthovernow.com/5-smart-financial-moves-to-make-home-buying-easier/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
I'm excited to kick off a special podcast series focusing on financial spring cleaning! Today, we're diving into a topic on everyone's mind this time of year – tax refunds.
Whether you've already filed your taxes or are still putting the pieces together, it's essential to think strategically about your tax refund. Putting your tax refund towards debt might feel good temporarily, but it's not a long-term solution. If it were effective, you wouldn't be back in the same debt cycle year after year. You need a better plan, and I'm here to guide you through it!
In this episode, I outline four ways you can leverage your tax refund to set yourself up to meet your money goals in 2024. From how to create a zero-based budget to planning for upcoming expenses to investing in money management tools, I give you detailed, actionable steps to help you make real progress managing debt. (Hint - none involve paying off a credit card with your tax refund!) If you are ready to break the debt cycle and change how you think about and manage your finances, tune in to learn how your tax refund can be the first step toward achieving financial freedom.
Stay tuned for insights on these topics:
- [01:30] Why you shouldn’t put your tax refund towards debt
- [03:15] 4 things to do with your tax refund
- [03:30] Outline a zero-based budget
- [06:12] 90-day financial forecast
- [12:00] Split refund up to hit multiple money goals
- [14:80] Invest in coaching
Tune into this episode of Money Files to learn why you shouldn’t use your tax refund to pay off debt!
Get full show notes and the episode transcript: https://wealthovernow.com/financial-spring-cleaning-4-things-you-should-do-with-your-tax-refund/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my free spending plan
Your financial well-being shouldn't hinge on your next paycheck. If you are potentially affected by the impending government shutdown or can't take time off of work because missing a pay cycle means you can't pay your bills, this episode is for you!
If the thought of missing your next paycheck scares you, I want you to start prioritizing your financial health this year and start managing your money intentionally. In this episode, I guide you through practical and actionable steps to break free from this cycle. From crafting a comprehensive budget to identifying essential expenses and establishing a robust emergency fund, I will help you create a future without financial anxiety.
I might ruffle some feathers with this episode, but that's okay because discomfort often leads to positive change, and my message is an opportunity for you to get out of the paycheck to paycheck cycle.
Stay tuned for insights on these topics:
[03:27] Stop quiet quitting
[05:29] Implications of a government shutdown
[10:58] You shouldn’t be living paycheck to paycheck
[13:36] The difference a financial plan makes
[16:16] Actionable steps to improve your financial health
Tune into this episode of Money Files to learn how to break free of the paycheck-to-paycheck cycle and take control of your financial health!
Get full show notes and the episode transcript: https://wealthovernow.com/why-you-shouldnt-depend-on-payday/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
So many people hesitate to start working with a money coach because they fear their short-term progress will disappear once the coaching container is complete. But that's not true! I work with clients to make long-lasting changes in how they manage and think about their finances.
In today's episode, I welcome Jeanine back to the podcast. She recaps how she has been managing her finances since working with me. During this client check-in we review Jeanine's current financial mindset, recent money wins, and permanent changes she has noticed in how she thinks about and manages her money. From candid stories about leveraging health insurance to pare down medical bills to thrifty tricks Jeanine adopted to help curb spending, this client recap is inspiring and relatable!
If you're considering hiring a money coach but wonder about the long-term value, this episode is a must-listen. Jeanine's journey speaks volumes – she's bought a house and paid off debt while maintaining a healthy money mindset. Her story is a testament to the fact that the tools acquired through financial coaching are not just for the moment – they last a lifetime! So, let's dive in and discover the transformative power of investing in your financial well-being.
Stay tuned to hear insights on these critical topics during this episode:
[02:30] Reflecting on Jeanine’s money mindset after coaching
[05:25] Which money management tactics Jeanine tried before coaching
[16:55] Big financial wins for Jeanine
[23:25] Brining financial coaching tools into a relationship
[25:15] Paying for coaching on a credit card
[28:15] Impact of getting a financial coach’s perspective on spending and budgeting
[30:22] How Jeanine’s made her money back from buying coaching
Tune into this episode of Money Files to learn the lasting impact of financial coaching!
Get full show notes and the episode transcript: https://wealthovernow.com/three-years-later-with-jeanine-what-does-life-look-like-after-financial-coaching/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
We are not using fake math in 2024! In today's episode, I expose the pitfalls of using fake math (guesstimations) and how it kills your budget.
The problem with fake math isn't about your ability to add or list out expenses. Fake math uses inaccurate numbers to estimate spending and causes you to leave money on the table. Whether it's incorrectly guessing grocery bills or overlooking occasional costs like hair appointments, small inaccuracies add up and destroy your budget. To spend drama-free, you must eliminate fake numbers from your budget and ensure every dollar is accounted for.
Are you ready to say goodbye to fake math and take control of your budget? Listen to learn how using real numbers will help you reach your money goals!
Stay tuned to hear insights on these critical topics during this episode:
[01:00] What is fake math
[05:00] Coaching away from using fake math
[07:00] How to identify when you are using fake math and why you should avoid it
Tune into this episode of Money Files to learn how fake math kills your budget!
Get full show notes and the episode transcript: https://wealthovernow.com/how-fake-math-is-killing-your-budget/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
January is a popular month for No Spend challenges. But temporary financial restriction is not the answer to better money habits. Let's ditch the challenges and focus on a budgeting plan that fosters financial clarity and allows us to spend purposefully.
In today's episode, I expose the pitfalls of short-term money challenges. We are not doing No Spend challenges in 2024! Instead, we will create a sustainable system that aligns with our desired lifestyle. By shifting away from a scarcity mindset, we pave the way for a positive and drama-free approach to spending.
Say goodbye to restrictive money challenges and welcome the freedom that comes with a structured and mindful approach to our finances!
Stay tuned to hear insights on these critical topics during this episode:
[02:00] Why no spend challenges are problematic
[07:00] Creating a system to spend money drama-free
Tune into this episode of Money Files to learn why no spend challenges don’t work and what to do instead!
Get full show notes and the episode transcript: https://wealthovernow.com/skip-the-no-spend-challenge-learn-how-to-save-amp-spend-money-drama-free/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Believe it or not, financial coaches have debt, too! In today's episode, I share how a financial coach manages, leverages, and pays off debt. I tell you everything from my early experiences with credit cards to borrowing money to invest in high-value coaching. I give you an indepth look at the complexities of my business and personal debt and my methods for paying off if off. I cover everything from how to identify the root causes of debt to actionable strategies you can implement to create a sustainable, drama-free spending lifestyle.
Are you ready to redefine your relationship with debt? Get inspired by my journey with debt and learn new methods to gain confidence in managing debt and spending money intentionally.
Stay tuned to hear insights on these critical topics during this episode:
[02:10] Starting relationship with debt & credit cards
[05:20] Leveraging & paying off debt in my business
[15:35] Questions to help avoid personal debt
[20:55] Paying down personal debt
Tune into this episode of Money Files to learn how a financial coach pays off debt.
Get full show notes and the episode transcript: https://wealthovernow.com/mastering-debt-how-a-financial-coach-leverages-manages-and-pays-off-debt/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
As a financial coach, my goal is for my clients to have choices. I want you to be able to spend money however you want. Consistently saving money allows you to engage in drama-free spending. But a lot of people find it challenging to save money. They set a goal to save a certain amount every month, and when they can't do that, they decide to give up altogether.
In today's episode, I share my journey of saving money. I explain how my confidence in saving money has grown exponentially over the years, but I also highlight some challenges I experienced. Everyone's path to financial freedom might look slightly different, but the importance of budgeting and saving money never changes. It's time to release the shame and insecurity around money and start building wealth and the future you desire.
If one of your goals for 2024 is to save money consistently, this episode is for you! Stay tuned to hear insights on these critical topics during this episode:
[08:00] Keina’s backstory on saving
[14:25] How earning more money and building savings are related
[20:24] Challenges and learnings
[27:00] Confidence managing money vs. making money
[29:10] Savings goals
Tune into this episode of Money Files to learn how saving money consistently helps to build wealth.
Get full show notes and the episode transcript: https://wealthovernow.com/what-ive-learned-about-saving-money-as-a-financial-coach/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
How To Overcome Financial Setbacks - Wealth Over Now
Today, I'm joined by a former client, Muhawu Lumeya, whom I had the pleasure of working with about two and a half years ago.
We discuss the concept of wealth beyond just monetary figures, exploring how intentional time with family and strategic financial decisions contribute to a fulfilling life. Muhawu reflects on her shift from financial anxiety to a mindset of abundance, sharing the profound impact of our coaching partnership.
Join us as we uncover the layers of wealth, from health and generosity to the unexpected surprises that arise when taking control of the financial narrative.
Hot topics discussed in this episode include:
[03:13] The concept of wealth beyond monetary value
[05:19] How health, rest, and generosity contribute to wealth
[19:07] The impact of financial coaching on mindset and financial decisions.
[25:49] The interconnectedness of personal and financial growth
[34:14] The ongoing impact of the coaching partnership even after two and a half years.
[37:15] Navigating the complexities of shame associated with money.
If you've ever felt stuck or overwhelmed by money matters, this episode is a testament to the power of shifting your mindset and embracing the journey toward true wealth.
Get full show notes and the episode transcript: https://wealthovernow.com/ripple-effects-of-coaching-two-years-later-with-muhawu/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
In today's episode, I share how I budget as a financial coach. Budgeting is the second step in my five-step plan for building wealth, and I give you my perspective on personal and business budgeting.
First, I explain the power of a zero-based budget, where every dollar has a purpose. I highlight how this approach brings clarity and flexibility in spending while aligning with my financial goals. Then, I explain how my personal and business budgets intertwine in my three-tiered budgeting strategy.
I am spotlighting how I budget to inspire you to make changes in your finances. Whether your goal is to pay off debt, save for the future, or get set up for retirement, this episode guides you in creating budgets that fit your unique circumstances.
Stay tuned to hear insights on these key topics during this episode:
[01:10] Zero-based budgeting explained
[04:55] How my business budget informs my personal budget
[10:40] Why I have 3 personal budgets
[16:25] Budgeting is not about restriction
Tune into this episode of Money Files to learn how I leverage budgeting in my personal and business finances as a money coach.
Get full show notes and the episode transcript: https://wealthovernow.com/how-i-align-my-budget-spending-and-future-goals-as-a-financial-coach/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Understanding Your Financial Self Concept
How Brent Ditched Perfectionism and Got Intentional with His Spending - Wealth Over Now
How to Use Financial Visioning to Achieve Your Money Goals
In today's episode, I'm delving into my personal investing journey as an entrepreneur and financial coach!
Listen in while I share insights and lessons that shaped my financial path. From the importance of contributing to retirement to the power of playing with numbers and setting ambitious goals, I explain how I decide where to invest my money. Plus, I reveal my goals for the year, including maximizing retirement savings and finding the perfect real estate investment property. Finally, listen to learn what I wish I knew about finances in my 20s and what you need to understand right now to maximize wealth-building and reach your money goals.
So, if you're ready to take charge of your financial future, gain confidence, and learn the art of intentional investing, tune in to this episode of Money Files!
Key topics discussed in this episode are:
[02:07] Keina’s thoughts on investing
[08:00] Retirement planning as an entrepreneur
[17:58] Keina’s 2024 investment goals
[22:56] What Keina wished she knew in her 20’s & what you need to know now
Tune into this episode of Money Files to learn how I invest as a self-employed financial coach.
Get full show notes and the episode transcript: https://wealthovernow.com/investing-planning-for-retirement-and-building-wealth-as-a-financial-coach/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
IRS Announces 401(k) Contribution Limit for 2024
If regaining control of your finances and changing how you feel about money is part of your New Year’s Resolution, this episode is for you! Make it your focus for 2024 to release feelings of shame and uncertainty around spending, saving, and making money. I want you to spend money drama-free and feel confident about managing your finances.
In today’s episode, I share how to start your journey to financial freedom by outlining my five-step plan to build wealth. Each step is shared in sequential order and is designed to help identify your 2024 money goals. Set yourself up for success with my five-step wealth-building plan.
Stay tuned to hear insights on these key topics during this episode:
[01:32] Five steps to build wealth overview
[02:32] Step 1: Create a spending plan
[07:03] Step 2: Intentionally save money
[13:04] Step 3: Pay down debt
[18:05] Step 4: Earn more money
[20:51] Step 5: Investing
Tune into this episode of Money Files to learn my five-step plan to build wealth.
Get full show notes and the episode transcript: https://wealthovernow.com/5-steps-to-wealth-building/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
It’s time to wrap up 2023! You have accomplished so much this year, and keeping that momentum going in 2024 is essential. Use 30 minutes of reflection time to set yourself on a positive trajectory for the New Year.
In today’s episode, I share my favorite exercises to reflect on the previous year and set myself up for success in the future. I also outline the End of Year Checklist I encourage my clients to complete. Now is the time to set yourself up for where you desire to go with your finances in 2024. So take a minute to appreciate all you have accomplished this year and build a plan to crush your next set of money goals!
Stay tuned to hear insights on these key topics during this episode:
[04:30] How are you separating from the 2023 version of yourself
[05:20] Exercise #1: Writing a letter to your future self
[09:27] Exercise #2: What went well in 2023 and what would you do differently?
[11:34] Exercise #3: Completing an end of the year checklist
[17:53] Reflection exercises for business owners
Tune into this episode of Money Files and learn how I use reflection exercises and an end of year checklist to set myself up for success in the New Year.
Get full show notes and the episode transcript: https://wealthovernow.com/end-of-the-year-financial-checklist/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Why Reviewing Your Finances During Open Enrollment Season Will Set You Up for Financial Success Next Year - Wealth Over Now
IRA Retirement Contribution Limits
At some point, you will experience a financial setback. Unexpected expenses require charges on a credit card or dipping into savings. This perceived “loss” can lead to personal judgment and shame when you have an all-or-nothing mindset about money management.
In today’s episode, I help you reframe financial setbacks as evidence of growth. You have the financial tools to pay off debt and readjust your budget to get back on track. A financial setback does not mean you don’t know how to manage money. So don’t bury your head in the sand or feel shame around financial setbacks. Instead of seeing the loss as an excuse to bury your head in the sand and feel shame, turn that financial setback into a data point to help grow and refine your money journey.
Stay tuned to hear insights on these key topics during this episode:
[02:20] Financial setbacks & judgements
[05:35] What do you let financial setbacks say about you?
[07:11] Reframing financial setbacks as evidence of growth
[10:30] Translating financial setbacks into data for budget adjustments
[14:44] Allowing yourself to ask for help
[16:23] Questions to help you get through a financial setback
Tune into this episode of Money Files to learn how to reframe financial setbacks and maintain a positive money mindset.
Get full show notes and the episode transcript:
https://wealthovernow.com/how-to-overcome-financial-setbacks/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
An effective budget is not just a list of bills. If you want to reach your money goals, it is essential that you know your numbers and how you spend your money. Things like getting your hair done, going out to eat on date night, or sending thank-you gifts to clients seem like small expenses, but can have a major impact on your overall financial goals.
In today’s episode, I share how to identify fake expenses and why your spending needs to align with your budget. This process is about helping you better understand how to plan for your desire to spend money so you can reach your financial goals faster.
The main points I talk about in this episode are:
[01:30] Exposing fake expenses
[06:55] Three thoughts that cause you to overlook expenses
[09:39] Client example of fake expense (business perspective)
[13:36] Client example of fake expense & credit card payments
[15:30] What can you do to avoid fake expenses
[19:42] Choose financial curiosity
Tune into this episode of Money Files to learn about fake expenses and why aligning your budget spreadsheet and spending plan is essential to reaching your money goals.
Get full show notes and the episode transcript: https://wealthovernow.com/why-your-bank-account-doesnt-match-your-budget/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
96 | From Finances To Motherhood: Let’s Talk Money Coaching
Thank you for joining me on this journey of 100 episodes! This is an incredible milestone for Money and Files, and I attribute so much of the podcast’s success to my amazing clients and listeners. Even though I do not know each of you personally, as a business owner and financial coach, I always think about you as I talk about money and how I can help add to your ‘money file.’
Today is a special tribute in honor of episode 100. I take you all the way back to the beginning and what inspired me to start a podcast. Then, I share how budgeting and wealth-building have impacted my life and why it is so important for me to carry on teaching about money. Finally, you’ll hear messages from listeners and learn how Money Files has impacted their lives.
Having you all tune in every week is a privilege and an honor. I am excited for the future and to continue to be a source of information and inspiration as you take control of your finances.
Stay tuned to hear insights on these key topics during this episode:
[01:10] The evolution of my career and the Money Files podcast
[05:15] What budgeting has afforded me
[06:45] Wealth-building is about more than just money
[11:32] Holding a vision for my clients
[12:40] A ‘thank you’ to my listeners
[16:15] Voice messages from podcast subscribers
[25:19] A ‘thank you’ to my clients
[26:30] Thoughts to future clients
Tune into this episode of Money Files to learn what inspired me to start the Money Files podcast and how my money coaching business has evolved thanks to clients and listeners like you!
Get full show notes and the episode transcript: https://wealthovernow.com/thank-you-for-100-episodes/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
EP. 96 From Finances To Motherhood: Let’s Talk Money Coaching
If you and your money sat down with a therapist, what would your money say about your relationship? Odds are, your money is stressed and overworked. Too often, high-earning individuals designate their financial livelihood to the next client, the next night shift, or the next gig. They get so caught up in reactive day-to-day money management and mental math that they don’t realize where each dollar is going.
In today’s episode, I talk about how $1,000 can turn into $10,000 quickly. Managing finances effectively is much more than paying bills or paying down debt. Without a strategic budget, your money works overtime to cover hidden expenses like Christmas shopping, traveling, and car repairs. To experience true financial freedom, you need to understand your money core. Are you ready to feel the impact of extra money? Listen to get started!
Stay tuned to hear insights on these key topics during this episode:
[04:05] Stop covering expenses with extra work
[07:00] What is a money core?
[08:30] Why budgeting is essential
[10:00] How $1,000 becomes $10,000
[12:45] How to be okay with spending money outside of paying bills
[17:00] What happens once you understand your money core
Tune into this episode of Money Files to learn how $1,000 turns into $10,000!
Get full show notes and the episode transcript: https://wealthovernow.com/how-1000-turns-into-10000/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Today, I am interrupting how you spend money during the holidays. So many of us overspend during the holidays because we are programmed to take advantage of Cyber Monday, Black Friday, and the endless brand deals. There is so much pressure to buy right away or risk losing out.
Stores run sales all year round. Odds are, a special holiday deal will be available later on. So, instead of impulsively buying, take a step back and make a plan before you spend. This holiday season learn new tools to help you enjoy holiday spending without regret in January when you look at your credit card bill.
Listen in as I share how I monitor my finances during the holidays. I give tips on planning and budgeting so you can give gifts you feel comfortable buying without creating unexpected credit card bills. Holiday shopping doesn’t have to destroy your finances. Tune in to learn how!
In this episode, I touch on the following topics:
[04:54] Building financial awareness
[05:50] Don’t fall victim to the pressure of sales and coupons
[09:50] Write down what you want & need during the holiday season
[12:58] Budget per person & per gift
[18:30] The gift closet
[19:35] Giving gifts to yourself
Tune into this episode of Money Files to learn how to maintain control of your finances and budget during the holiday shopping season.
Get full show notes and the episode transcript: https://wealthovernow.com/how-to-plan-ahead-and-budget-for-holiday-shopping/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Help me celebrate my 100th episode by leaving a 90-second review sharing your favorite episode and why by November 28th. I can't wait to celebrate with you.
It has been FIVE years since I started my coaching business! What better way to celebrate this milestone than to bring my first-ever client on the podcast?
In today’s episode, I sat down with my first money coaching client, Amanda. She shares her money journey, including why she decided to work with me, how she paid off all her debt, and how financial coaching has impacted her life. Amanda also talks about the money tools she still uses, including the budgeting tool she learned when we worked together five years ago.
Investing in money coaching is a decision that will change how you manage your finances for the rest of your life! Five years later, Amanda is confidently budgeting, managing her finances, and reaching her money goals as a six-figure earner.
The main points Amanda and I talk about in this episode are:
[03:00] Why Amanda started working with Keina
[11:45] What does budgeting look like for Amanda now?
[22:10] How a spending plan helped Amanda become debt-free
[28:44] What Amanda’s money dates look like today
[31:45] How does Amanda use credit cards now?
[35:23] Goals Amanda has accomplished since working with Keina
[36:57] Wealth legacy
Tune into this episode of Money Files to learn about the long-lasting impact money coaching has on managing your finances!
Get full show notes and the episode transcript: https://wealthovernow.com/then-amp-now-how-is-my-first-coaching-client-managing-her-finances/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Join Keina Newell in celebrating 100 podcast episodes of Money Files by leaving a 90 second review of your favorite episode and why. Send a voice message to Keina
Are you considering working with a money coach? This episode is for you! In today's episode, I am joined by my client Sarah. Sarah shares her journey of being a single mom by choice and how getting help with her finances was pivotal to her leaning into motherhood. Sarah has just finished working with me in my five-month partnership and came on the podcast to share her journey working with a money coach. Sarah is a single mother who works in the education sector. She came to me with a list of bills and a desire to get out of the paycheck-to-paycheck cycle. Now, Sarah has all the tools she needs to be empowered to take control of her money goals.
Listen in to hear how learning to manage her finances has empowered Sarah. Not only does she feel confident about her ability to earn and budget money, but she knows she is capable of so much more!
The main points Sarah and I talk about in this episode are:
[01:30] Why Sarah decided to work with Keina
[05:48] What coaching allowed Sarah to do
[10:37] Sarah’s proudest moment during coaching
[12:30] Finances and motherhood
[20:40] Sarah’s experience with Keina’s budgeting system
[26:08] Domino effect of money coaching
[29:49] Sarah’s unexpected wins
Tune into this episode of Money Files to learn what it’s like working with a money coach!
Get full show notes and the episode transcript: https://wealthovernow.com/from-finances-to-motherhood-lets-talk-money-coaching/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Most people associate money conversations with savings, debt, or salaries. But achieving financial goals is more than just making money. In today’s episode, I share the importance of having a money team. Your money team goes beyond just having a financial advisor. You need a group of people who have already accomplished what you want to do and who can challenge you to think bigger.
Everyone needs a money team, and in this episode, I share examples of how my own money team has pushed me to look beyond limiting beliefs, leverage my skills, and ultimately earn more money and achieve my financial goals. Are you ready to start assembling your money team? Listen to learn how!
The main points discussed in this episode are:
[04:47] What is a money team?
[05:58] Example: negotiating salaries
[08:47] Example: raising business rates
[10:55] Finding people who challenge you
[16:37] Six questions to help you build your money team
Tune into this episode of Money Files to learn what a money team is and the difference it can make in achieving your financial goals.
Get full show notes and the episode transcript: https://wealthovernow.com/how-to-build-a-money-team/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Today's podcast episode is a cross-replay of my conversation with my friend and client, Lindsay Dotzlaf. Lindsay is a coach specializing in empowering other coaches to enhance their effectiveness and make a more significant impact.
Tune in as Lindsay shares her personal journey of working with me as her financial coach and the profound transformation her mindset has undergone in managing her finances. We also discuss Lindsay's newfound passion for budgeting and how to make a budget work for your unique lifestyle. I hope you enjoy our conversation and gain valuable insights into the experience of partnering with a money coach.
Hot topics discussed in this episode include:
[12:20] How working with Keina shifted Lindsay’s money mindset
[22:45] Balancing debt vs. investing vs. savings as a business owner
[27:40] Budgets are about awareness
[30:03] Keina’s top financial tips for business owners
[40:00] Lindsay’s experience and learnings from working with Keina
[53:40] Thinking about educating the next generation about managing money
[01:04:01] Managing money as a couple
Tune into this episode of Money Files to learn what it’s like to work with and how to fall in love with budgeting!
Get full show notes and the episode transcript: https://wealthovernow.com/shifting-your-budgeting-mindset-with-lindsay-dotzlaf/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Guest Info…
Website: Lindsay Dotzlaf | Instagram: @lindsaydotzlaf | Podcast: Mastering Coaching Skills
It's no secret weddings are EXPENSIVE. On average, couples spend $30,000-$40,000 on their wedding. Don't let financial stress overshadow your Big Day. I explain how to build the perfect wedding budget in today's episode. The earlier you start financially planning for your wedding, the easier it will be to create the perfect day without overspending or going into debt.
Remember, a wedding budget is the same as any other budget. The key is to assign purpose for every dollar, know your numbers, and check in on your spending. It is possible to have your dream wedding without losing track of your money goals, and I am so excited to share how to make it happen!
During the episode, I touch on wedding budget best practices such as:
[01:45] Creating a starting budget
[06:45] Making time to get real numbers
[09:32] The importance of a budget buffer
[10:26] Planning where the money is coming from
[11:55] Tracking actual expenses vs. projected budget
Tune into this episode of Money Files to learn how to build the ultimate financial guide for wedding planning.
Get full show notes and the episode transcript: https://wealthovernow.com/how-to-budget-for-a-wedding/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
I recently was a guest on Sara Fisk's podcast, The Ex-Good Girl, hosted by Sara Fisk. Sara is a female empowerment coach who helps women stop people-pleasing behavior and start living the life they want. With Sara's permission, I am sharing our conversation in this episode of Money Files.
So, listen in as we dive deep into why women aren't naturally confident with managing finances and recommendations you can use to shift into better money habits. Sara and I tackle topics like overspending to please others, what it means to live in restriction, and how to align spending habits with your life goals.
During this episode, I share reasons why paying off debt should not be your sole focus and what to do instead:
[04:44] Defining a “good girl”
[05:50] Debunking “I don’t know as much about money as my husband”
[08:00] Expansion vs. restriction
[12:30] Using money to buy positive emotions
[19:05] Spending to overcome restlessness
[25:15] Does what you want align with your spending?
[37:20] How to challenge yourself to think differently about your finances
Tune into this episode of Money Files to hear an important conversation about empowering women to regain control of their finances.
Get full show notes and the episode transcript: https://wealthovernow.com/good-girls-and-money-with-sara-fisk/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Guest Info…
Website: Sara Fisk | Instagram: @sarafiskcoach) | Podcast: The Ex-Good Girl
Debt can make you feel anxious and shameful. As a six-figure earner, I know how tempting it is to put all of your focus on paying off credit cards or loans. But when you are only working at paying down debt, you lose sight of all your other financial goals.
In today's episode, I share the five main reasons I tell my clients to look beyond paying off debt. I explain how creating a budget that incorporates debt payments is an essential tool for financial management. You deserve to enjoy life and spend money on what brings you joy. Every extra dollar you earn should not go towards paying off debt. Financial freedom starts with intentional spending, knowing your numbers, and leveraging a budget that works for your lifestyle. Paying off debt is only a small factor in creating financial freedom.
During this episode, I share reasons why paying off debt should not be your sole focus and what to do instead:
[07:55] Paying off credit cards isn’t the only marker of success
[09:00] Focusing on paying down debt overshadows intentional spending
[10:08] There is no plan for what to do when debt is paid off
[11:05] Miss opportunities to invest in yourself
[12:00] What you SHOULD be doing: the importance of budgeting
If you are ready to learn how to think beyond paying off debt, tune into this episode of Money Files!
Get full show notes and the episode transcript: https://wealthovernow.com/5-reasons-why-you-shouldnt-only-focus-on-paying-off-debt/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Saving money $10,000 can be an intimidating goal, especially if you are someone who doesn't identify as a saver. But reaching a savings goal is easier than you think!
In today's episode, I share my special 'Magic Ten' process to save $10,000. This is the method I coach my clients on, and it is successful for anyone. Not only will the Magic Ten process help you achieve your savings goal, but it will also help you shift your mindset and build financial confidence. If you feel like you don't know how to save, are constantly dipping into your savings, or feel like money just slips through your fingers, this episode is for you! So tune in and get started on a $10k savings plan!
During this episode, I share my Magic Ten process to save $10,000. Follow along with these key points:
[02:20] Intro to my ‘Magic 10’ process to save $10,000
[05:30] Adopt the belief you are a saver
[06:50] Build a $10k plan
[12:06] Identify and reframe your roadblocks
If you are ready to learn how to save $10,000, tune into this episode of Money Files!
Get full show notes and the episode transcript: https://wealthovernow.com/a-stress-free-way-to-save-10000/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my free five-day Financial Habit Tracker.
You can save money, pay down debt, and still spend money on things that make you happy! When you are focused on money goals like increasing savings and paying off credit card debt, it is easy to feel shameful about spending money. But you work too hard as a six-figure earner not to invest in fun.
In today’s episode, I share the importance of a personal allowance. By establishing an allowance in your spending plan or budget, you give yourself permission to treat yourself to a manicure, fancy dinner, or special treat in a controlled way that still aligns with your financial goals.
If you make good money but can’t get out of the paycheck-to-paycheck cycle, are hyper-focused on paying down debt, or feel shame about spending on items that make you feel good, this episode is for you!
During this episode, I offer five reasons why you need a personal allowance:
[04:25] Align spending with financial goals
[06:08] Permission to invest in yourself
[07:07] Overcome shame of spending money
[08:11] Promotes financial wellness
[10:07] Give couples permission to spend, maintain financial autonomy, and reach partnership savings goals without impacting bills or debt
If you are ready to learn how to spend guilt-free and still hit all your money goals, tune into this episode of Money Files!
Get full show notes and the episode transcript: https://wealthovernow.com/why-you-need-a-personal-allowance/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Do you want to gain control of your spending? No matter how much money you earn, now is the right time to start building financial awareness and creating healthy spending behaviors. If you are someone who wants to gain control of your spending because you are tired of being up at night thinking about your finances, this episode is for you!
Today, I share the process I use during coaching sessions to help clients who feel like they are out of control with money. My judgment-free method focuses on how you think about your finances so that you can start shifting your spending habits so your spending is in alignment with your financial goals. I will take you through how to complete these exercises at home so you start feeling more confident about how you manage your money.
During this episode, I share comprehensive steps to start gaining control of your spending habits:
[02:06] Why do you think you aren’t in control of your spending?
[04:40] How would you know if you were in control?
[06:35] Track your spending for the next five days
[07:57] Observe your spending habits
[11:35] Continue the habit & create a plan
[13:40] Evaluate your purchases
If you are ready to take back control of your spending, tune into this episode of Money Files!
Get full show notes and the episode transcript: https://wealthovernow.com/how-to-take-control-of-your-spending/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my free five-day Financial Habit Tracker
Most of my clients are scared of debt. Society has created rules and regulations around when it is “okay” to get into debt. Going into debt for a house or car is normalized, but accumulating debt on shopping or healthcare is taboo. There is so much negative talk about debt that you might feel shame about your own credit card balance or the need to use credit.
Today’s episode is about changing how you think and feel about debt. I share several helpful tips for managing debt, strategizing a payment plan, and overcoming feelings of overwhelm and shame. Debt can afford you amazing things, and having debt does not mean you are bad with money. So tune in to learn how you can make peace with your debt and take back control of your finances.
Are you ready to make peace with your debt? Start with these steps to improve your relationship with money, overcome feelings of shame, and start paying down debt with confidence.
[01:08] Learn to think of debt as being neutral.
[05:10] Make peace with your debt.
[08:20] Create a budget so you can see where your money is going.
[09:12] Prepare to pay off the debt with a clear strategy.
[11:18] Be consistent with your plan to pay off debt.
[12:35] Celebrate along your debt payoff journey.
If you want to change how you think about debt, tune into this episode of Money Files!
Get full show notes and the episode transcript: https://wealthovernow.com/simple-steps-to-pay-down-debt/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
One of the top questions I get asked is, "How do I stick to a budget?" Society tells us we have to budget to manage our money well, but most teachings focus on restriction. If you are someone who has tried spreadsheets and apps and still struggle to maintain a budget, this episode is for you!
Today, I talk specifically about maintaining the habit of budgeting. I am excited to share this episode because it gives you five practical ways to navigate maintaining your budget.
This easy five-step plan will help you create a budget that works for you.
Listen as I explain five steps to help you maintain the habit of budgeting:
[04:30] Define the purpose of budgeting in your life
[07:37] How did you feel the last time you went over your budget?
[11:28] What does it mean when you say you want to stick to the budget?
[14:25] Make space in your budget for fun
[15:18] Schedule weekly money dates
If you are ready to change how you think about budgeting, tune into this episode of Money Files!
Get full show notes and the episode transcript:
https://wealthovernow.com/5-ways-to-maintain-the-habit-of-budgeting/
Links mentioned in this episode...
Set up a call | Financial Coach Washington, DC | Wealth Over Now
The home buying process can feel overwhelming whether you’re looking to buy your first home or you want to make the transition to a new home. Today, I’m sharing four steps I used to prepare for homeownership. If you want to feel financially prepared to buy a home tune into this episode.
In this episode, I share four financial tips to get ready to buy a house. Whether you are a new home buyer or looking to upgrade to a larger property, my four-step process makes purchasing property a seamless and stress-free experience. Learn what to budget for, how to prepare for mortgage payments, and which type of loans could benefit you. This is the same process I’ve used to help my clients realize their dreams of homeownership, and I am excited to share this financial strategy plan with you!
Listen as I explain the importance of taking these four financial steps before considering home ownership:
[06:00] create a budget to see what you can afford
[07:06] create a budget for home ownership
[09:50] save money and pay off debt
[13:23] get prequalified for the house you want to buy
If you are considering buying a home, don’t miss this episode of Money Files!
Get full show notes and the episode transcript: https://wealthovernow.com/4-financial-tips-to-help-plan-for-homeownership/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
On today’s episode, I am joined by former client and career coach, Kim Tran. Kim is a hiring manager and owner of Your Work Inspired, a company with a mission to provide a holistic approach to closing the wage and wealth gap for women of color regardless of job titles and industry.
In this episode, we discuss the perceived challenges of pivoting in your career. It might feel familiar to maintain the status quo when it comes to your career but there is also power in pursuing new careers with curiosity. As a hiring manager, Kim shares three key insights on:
- Leveraging networking to build valuable relationships
- Determining what you love vs. what you are good at
- Knowing when to take the leap and make a career pivot
Tune in as Kim, and I share our personal stories and client experiences. We hope this episode inspires you to overcome feelings of fear and overwhelm to apply for new roles.
In this episode, Kim and I discuss these points about career pivots: deciding to pivot your career:
[06:00] Why you might want to pivot your career
[09:00] Figuring out how to network in a way that is comfortable to you
[19:15] How to identify where you go next in your career
[23:50] How to apply for a job that you don’t meet every requirement for
[34:54] The importance of constructive voices
[35:00] When to know it’s the time to pivot in your career
[39:57] Benefits of “dating around” in the job world
Listen to this episode of Money Files for an insightful discussion about pivoting your career and getting the salary you deserve.
Get full show notes and the episode transcript: https://wealthovernow.com/how-to-make-a-career-pivot-with-kim-tran/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Negotiating for the Salary You Desire & Deserve with Kim Tran - Wealth Over Now
CliftonStrengths Online Talent Assessment | EN - Gallup
Salary.com
Today I discuss a problem that impacts current clients, past clients, and potential clients. There’s a sneaky thought you might have when it comes to managing your finances: I’m afraid I’ll fall back into bad financial habits.
This fear can hold you back from applying to work with a financial coach. It can cause you to freeze and go into a downward spiral when you have to put an expense on a credit card unexpectedly. Do not let this sneaky thought prevent you from reaching your money goals.
These powerful questions will help you find the reason behind your financial choices and keep you moving forward by helping you to…
[08:32] Identify your fears
[09:45] Reflect on success
[13:39] Be your own lifesaver
[16:06] Embrace continuous growth
Tune into this episode for six steps to overcome the fear of falling back into bad money habits.
Get full show notes and the episode transcript: https://wealthovernow.com/personal-finances-budgeting-financial-habits-financial-self-concept-money-problems-self-doubt-bad-habits/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
76 | Defining And Understanding Your Financial Self Concept
37 | How Brent Ditched Perfectionism and Got Intentional with His Spending
Today I share 15 things you need to start doing right now to stay on top of your financial health. Managing your money successfully is about more than just paying off debt, saving money, and sticking to a budget. These 15 tips are designed to help you see the big picture so you can manage your money with current and future goals in mind.
I will cover every aspect of personal finances today! Listen in for tips on everything from saving for retirement to monitoring automatic bill payments. This episode is all about practical advice that you can add to your financial wellness toolkit.
I designed this episode with these goals in mind…
[01:17] I want you to have a holistic approach to your financial health.
[02:00] I wanted to give you 15 things to think about and so you can go through and say: Am I doing this? How do I consider this? Where is this in terms of my tool kit and how I think about money?
Tune in to this episode of Money Files for 15 of my best tips to improve your overall financial health.
Get full show notes and the episode transcript: https://wealthovernow.com/personal-finances-budgeting-bill-tracking-paying-down-debt-saving-money-financial-management-retirement-high-yield-savings-credit-card-debt-bill-autopay/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
In today's episode, I answer TEN of the most frequently asked questions I get from people who are thinking about working with me. As a former teacher, I know that if one person has a question, there are multiple people wondering the same thing! I also understand the feeling of knowing you need to do something to help yourself but also feeling unsure about taking that next step. This episode is designed to help you overcome feelings of hesitation and paint a clearer picture of what it would be like to have me as your coach!
Remember, working with me is a one-time investment that's going to pay for itself for the rest of your life. So I wanted to use this episode to answer some questions for people still on the fence. Maybe you follow me on Instagram, or maybe you have opened up the application to work with me several times and are having a hard time saying 'yes' to yourself - Wherever you are in the decision cycle, I am always here to answer your questions. My goal is to create a comfortable space to talk about finances.
Tune into this week's episode to get the answers to questions I am asked all the time, such as…
[01:29] Do you only coach women?
[07:28] I’m not in debt. Can I still sign up to work with you?
[10:44] What happens after I start working with you?
[24:32] Do I have to stop using my credit cards?
Listen to this episode of Money Files and learn the answers to ten of the most frequently asked questions from clients!
Get full show notes and the episode transcript: https://wealthovernow.com/personal-finances-budgeting-financial-coaching-money-questions-frequently-asked-questions/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
The Supreme Court has overturned Biden’s student debt forgiveness plan. While student loan payments were suspended during COVID, interest fees will resume in October 2023. It is essential to understand your numbers now to avoid feeling stressed and overwhelmed in a few months.
I had over $70,000 in student loan debt. My payments were between $500 and $700 a month. I never fought or got angry with the payment because I knew that $500-$700 would always be needed in my budget. It might have different names in the future, like “car payment” or “childcare,” but I would always have a similar payment.
That is why I encourage you to plan your student loan payments into your budget now! If you aren’t sure how much you will owe, make an estimate and start allocating that money aside. Not only will this put you ahead of the game in October, but it will save you so much stress. So don’t get discouraged. Stay in control of your finances with these four easy tips to pay down student loans drama-free!
As you prepare to start repaying student loans again, consider…
[08:16] I want you to incorporate your student loan payment into your budget now.
[10:13] I want you to put a reminder in your calendar to set up auto pay on your student loan payments.
Tune in to this episode of Money Files to learn four tips to help with repaying student loan debt.
Get full show notes and the episode transcript: https://wealthovernow.com/personal-finances-budgeting-student-loan-payment-student-loan-forgiveness-student-debt/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Join The Waitlist For My Next Money Class
Every client comes to me with a different set of goals. Some are more traditional like wanting to save money, pay off debt, or purchase a home. However, the main thing that differentiates their experience with me as a financial coach from attempting to do the work themselves is that I build a financial system they can trust.
During a coaching container, every single client says how much they love budgeting. Hard to imagine? That’s because you have never worked with me! A budget is a working tool that you can manipulate to meet your goals. It isn’t about restrictions or lists. Together we can create a budget plan that involves a system you can trust and allows you to live the life you have dreamed of. Do you want to experience stress-free budgeting? It’s time to make the move and apply to work with me. I can’t wait to help change how you feel about and manage money.
During this episode I want you to ask yourself…
[06:25] This week I want you to really think about what it would look like in your own life if you had this financial system that you can trust. How would you show up if you knew that there was money always available for the things that you need?
Tune in to this episode of Money Files to learn how building a financial plan you can trust will help you to love budgeting, reach your money goals, and manage your finances confidently.
Get full show notes and the episode transcript: https://wealthovernow.com/personal-finances-budgeting-bill-tracking-paying-down-debt-saving-money-financial-management-financial-coach/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Join The Waitlist For My Next Money Class
Today’s episode is about highlighting the difference between tracking and budgeting. Many coaching consultations focus on a client’s frustration with managing money. These six-figure earners are living paycheck to paycheck, struggling to pay down debt, and unable to reach saving goals. Most clients come to me with some sort of tracking system they use to “budget.” But listing out bills and tracking expenses is a passive activity. That isn’t budgeting.
To help explain the difference between tracking and budgeting, I share a client example. Tune in as I detail her journey from passive money management to proactive planning and saving.
Finally, I share three steps you should take to actively budget. Remember, effective budgeting isn’t about restriction. It is about naming and assigning every dollar to protect your future money goals, increase financial awareness, and spend in ways that are important to you.
During this episode I want you to ask yourself…
[18:00] As we think about the difference between tracking versus budgeting, I want you to ask yourself: Am I tracking or am I budgeting?
Tune in to this episode of Money Files to learn the difference between tracking and budgeting so that you can proactively manage your finances in a way that serves your money goals.
Get full show notes and the episode transcript: https://wealthovernow.com/tracking-vs-budgeting---how-to-actively-manage-your-finances/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
The Critical Link Between Budgeting and Financial Awareness - Wealth Over Now
How to Budget for Clarity & Confidence
Rethink Your Numbers With Values-Based Budgeting
Join The Waitlist For My Next Money Class
We are officially in June! We are already halfway through 2023. It is time to do a financial check-in. In today's episode, I discuss the importance of conducting a midyear financial review and strategies to keep you on track to hit your money goals.
January is an exciting time to set resolutions, and we enter the new year with enthusiasm, especially around changing money habits. However, it is easy to lose focus and stray away from financial plans. A lot can happen in six months. It's normal for goals to change or different aspects of our finances to gain a higher priority. That is why a midyear review is so important!
Schedule time in your calendar to sit down with the money goals you set for yourself and reflect. Really evaluate your progress. Take a moment to celebrate wins! Then consider what is important to you right now. Do these new goals align with your original financial plan? Remember, budgeting is a tool, and your process will evolve. By checking in with yourself now, you will gain more financial confidence and set yourself up for more success in the second half of 2023.
During this episode, I encourage you to consider the following…
[00:04:55] The first thing I want you to do in your midyear review about your goals for this year is to think about what financial goals you said out loud or put on paper.
[00:06:45] I want you to think about what is truly important (in your finances) right now
[00:11:17] As part of the media review I want you to actually think about quick actions. What are the quick actions you can take to make progress?
Tune in to this episode of Money Files to learn how to jump-start your midyear financial review and reflect on your progress in 2023.
Get full show notes and the episode transcript: https://wealthovernow.com/how-to-begin-a-midyear-finance-review/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
How Ellie Got Out Of The Paycheck To Paycheck Cycle As A Six Figure Earner - Wealth Over Now
Join My Next Money Class
In today's episode, I provide a list of questions designed to help you define and understand your financial self-concept. You are with yourself every single day. When you are in the midst of working on your financial journey, it can be hard to see progress. One of the benefits of hiring a coach is that I am watching your progress, and I push you to reflect on the growth and shifts you've made around money.
Managing your finances is more than just budgeting and spreadsheets. Everyone has strong feelings about money. To create lasting changes, you have to identify and understand these emotions. That is why it is so important to understand your financial concept.
Your financial self-concept is just a set of thoughts that you have about yourself in relation to money. I curated a list of questions to help you define and understand your financial story. So get your pen and paper ready! I want you to really engage in this work and take a massive step forward in your financial journey, self-awareness, and money confidence.
As you listen, participate in the work of discovering your financial self concept…
[00:06:27] What is your self-concept like? What are the things that you are thinking about yourself now that you didn’t used to think about yourself when it came to your finances?
[00:08:51] Get your pen and paper. Here are some awesome questions for you to answer while defining your financial self concept.
[00:13:00] Be honest with yourself in terms of your financial mistakes or experiences because there are things that may have happened when you were a child that have influenced how you think about money. After you answer these questions, I want you to think about your answers. I want you to think about what connections you see overall and if there is a trend when you think about the thoughts that you automatically have about money
Tune in to this episode of Money Files as I outline a map of questions that will help you define and understand your financial self concept.
Get full show notes and the episode transcript:
https://wealthovernow.com/defining-and-understanding-your-financial-self-concept/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Join My Next Money Class
On today’s episode, I am joined by fitness and nutrition coach Jenny Blake. Together we discuss the similar mindset women have around budgeting and nutrition and how simple mindset shifts can change how you reach goals.
Successfully balancing your nutrition or budget is all about identifying and clarifying your values. Neither principles are about restriction. Instead, the tools Jenny and I empower our clients to use are designed to create a foundational structure you can rely on.
There is a massive overlap between finances, nutrition, and fitness. Achieving your financial and nutrition goals is about learning what holds value for you. Whether that means incorporating your favorite foods into a meal plan or budgeting for travel, these plans are not restrictive. Instead, they are a way to introduce consistency in a manageable and attainable way for your long-term growth and success.
Listen to this episode as Jenny and I tackle key topics like…
[00:03:14] The huge overlap between finances, nutrition, and fitness.
[00:04:40] Whether we’re talking about macros or we’re talking about a budget, going through this process helps you identify your values
[00:42:01] What do you do when you fail?
[00:46:10] You are your average.
Get full show notes and the episode transcript:
https://wealthovernow.com/keina-and-jenny-talk-no-restriction-budgeting-and-nutrition/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Website Create Your Shape Program
Instagram @jennythenutritionist
On today’s episode, I chat with my client, Ellie. I love sharing client stories and relatable examples that show what financial coaching is all about. Ellie’s situation is relatable to every 6-figure earner that struggles with managing their finances.
Despite several significant raises and cementing herself as a 6-figure earner, Ellie could not escape the paycheck-to-paycheck cycle. Like many other high-income earners, she thought making more money automatically meant she would have more money. But in order to get control of her finances, Ellie and I needed to create a strategy that aligned her money and personal goals.
Listen in as Ellie shares how a different approach to budgeting has helped her gain more security with her finances. She went from spending impulsively on material items to purposely planning for future expenses, confidently paying down debt, and consistently contributing over $500 a month to her emergency fund. I hope you get inspired by Ellie’s newfound financial freedom and gain a proper understanding of how financial coaching can change your life.
Listen to this episode as Ellie answers questions about her experience…
[00:02:48] When you were thinking about one-on-one coaching, what did you know that you wanted or needed from this experience?
[00:07:15] What is your experience like spending money since we’ve been working together?
[00:32:40] How are you feeling about [the potential of] getting back into debt after you have paid it off?
[00:33:30] What are the tools that you have now that you know will support you?
Tune in to this episode of Money Files as Ellie and I discuss her journey to financial freedom.
Get full show notes and the episode transcript:
https://wealthovernow.com/how-ellie-got-out-of-the-paycheck-to-paycheck-cycle-as-a-six-figure-earner/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
The beauty of working with a financial coach is creating a sustainable financial plan. Oftentimes my clients are worried that even though they’ve attempted to budget in the past their financial results have always felt temporary. They pay off their credit card but then they have a $5,000 balance before the year is over or they finally start saving money but then they have to constantly dip into savings to cover unplanned expenses.
On today’s episode, I’m resharing one of my favorite episodes with my client Marie. Before working with me Marie wrote out her bills from the first of the month to the end of the month as a way to keep track of her spending. Whatever money she had leftover after the bills were paid she viewed it as extra money.
You’ll hear us discuss how learning to give every dollar a name helped her reframe how she thought about the money in her account and how she thought about money on payday. If you find yourself living paycheck to paycheck or maybe you too have a list of bills as a budget you’ll want to tune into today’s episode.
So listen as she shares her experience working with me as her financial coach and how her life has changed since finishing the program.
In this episode, I ask Marie…
[00:04:15] How did you manage your finances prior to working with me?
[00:08:35] What has been easier than you expected and what’s been a bit more challenging than you expected?
[00:14:58] What has budgeting freed up for you?
Tune in to this episode of Money Files as Marie shares how working with a financial coach has impacted her perspective on money.
Get full show notes and the episode transcript:
https://wealthovernow.com/mvp-how-giving-every-dollar-a-name-changed-maries-spending/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Join My Next Money Class | How to Budget Without Restriction
On today’s episode, I sit down with my friend and colleague Shamika Marie Hill. We discuss hot topics around career development, salary negotiation, and interviewing for women. As a career development coach, Shamika offers advice on pushing your career to the next level through a shift in mindset around earning money.
Over 75% of the women Shamika works with are underpaid. Similarly, so many of my clients are afraid to counter salary offers or ask for a raise. It is a consequence of our society (and the patriarchy) that women feel that they should be grateful or thankful for the opportunity to make six figures. This needs to change. We need to shift our mindset as women to earn the money that is equivalent to our skills, education, experience, and value.
If you are ready to realize your true earning potential, this episode is for you. Grab a notebook and a pen because you will want to take notes! Shamika gives actionable advice on how to interview, negotiate offers, and how to shift your mindset to be the best advocate for YOU.
Listen to this episode to hear Shamika answer…
[00:30:30] What is one mindset shift all women need to make to become a six-figure or even multiple six-figure earners?
[00:33:40] What are four tips you have for women when negotiating their next offer?
Tune in to this episode of Money Files as Shamika and I discuss the crucial mindset shifts women need to make to get the salaries they deserve.
Get full show notes and the episode transcript:
https://wealthovernow.com/exploring-a-new-mindset-to-make-more-money-the-ownership-of-you/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Join My Next Money Class
On today’s episode, I discuss the idea of financial maintenance. As a coach, I am here to help you get results, maintain results, and move forward to bigger goals. So let’s talk about what happens when you are no longer worried about saving money or paying off debt.
So what is financial maintenance? You are maintaining when your money systems are working effortlessly. You have a functional budget, you know your numbers, and you are consistently hitting granular goals like saving and paying down credit cards. Now you can shift focus to broader financial goals. You are in a place where debt is no longer the sole focus because you are maintaining a money plan that addresses those issues.
However, when we reach financial maintenance a new fear creeps in. It’s normal to go off track a little. But restarting the process of managing finances is easier every time you do it. Now you have financial tools that will help you build a recovery plan and move forward.
So I really want you to think about this idea of financial maintenance. You’re not always going to be worried about saving money and paying off debt. When you’re in maintenance you get to experience the next version of yourself. So in this episode, I challenge you to identify who you are on the other side of saving money or paying off debt. Because where you are now is not where you will always be.
While listening to this episode, start thinking about the answers to these questions…
[00:26:17] What financial tools am I starting with?
[00:27:25] What do you want to dial in and what do you want to leverage? I want you to answer the question - why is this important? Why is it important that you dial this spending in? What is the bigger win that you have planned for yourself?
Tune in to this episode of Money Files as I discuss reaching financial maintenance and what to do next.
Get full show notes and the episode transcript:
https://wealthovernow.com/exploring-the-idea-of-financial-maintenance/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Money Class: How To Budget Without Restrictions: May 17th at 12:30 pm EST
In today’s episode, I demystify earning $100K. There is a lot of buzz around earning $100,000 right now. But depending on where you live, your season in life, and your lifestyle goals, that salary milestone won’t stretch as far as you think.
The best emotion you can bring to your finances and around money is curiosity. So often, my clients come to me with goals and financial principles based on what they’ve heard from friends, family, or social media. To overcome financial overwhelm and achieve worry-free spending, it is important to understand the role of a dollar in your life.
Once you understand why you want to make more money, it becomes easier to create a budget and salary goal. So as a coach, I want you to think about what making $100K means for you and how that will really impact your life. I encourage you to get curious about the role money has in your life now, and how you want it to align with your values in the future. For many people, this analysis means shifting their goal salary from $100,000 to $200,000 or even $250,000.
Are you ready to dive deep and discover the role of a dollar in your life? Let’s get started.
While listening to this episode, start thinking about the answers to these questions…
[00:04:58] How does money help me in my life? What can I do with $100K?
[11:07] Think about earning $100,000. What other things might I need to consider? Am I in a high-cost-of-living area? What other changes are happening in my life in the next year? Are there any financial goals that I’ve been saying that I want to accomplish?
Tune in to this episode of Money Files as I demystify earning $100k.
Get full show notes and the episode transcript:
https://wealthovernow.com/demystifying-100k/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Cost of living: How far will my salary go in another city? - CNNMoney
19 | How to Use Financial Visioning to Achieve Your Money Goals - Wealth Over Now
In today’s episode, I discuss common things I see as a coach that keep my clients stuck in basic budgeting. Too many people think of budgeting as paying bills. This mindset paints an incomplete picture of spending habits. It won’t get you out of a paycheck-to-paycheck cycle. My goal as a coach is to bridge the budgeting gap between paying bills and how you want to spend your money.
I encourage you to track your spending this week and identify what you spend money on that isn’t part of your budget. But track to learn, not to punish. A great budget isn’t about restriction, it’s about knowing your numbers, understanding your spending habits, and identifying what you want to spend money on.
Building a budget with a financial coach (me!) is a journey we take together. My overall goal is to be able to create a plan that allows you to do what you love and spend money in ways that align with your values. So if you are ready to start on the path to living a life of drama-free spending, I am ready to help.
I hope this episode encourages you to shift your mindset about budgeting in a positive way because…
[00:10:44] When you understand your relationship with your money on a deeper level, you’re going to feel more confident with how you’re spending your money. You’re going to talk to yourself differently about how you want to spend money.
Tune in to this episode of Money Files as I cover common things that keep my clients stuck in basic budgets.
Get full show notes and the episode transcript:
https://wealthovernow.com/the-critical-link-between-budgeting-and-financial-awareness/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Masterclass | How To Budget Without Restriction | Wealth Over Now
Resource | Free Five-Day Financial Habit Tracker
In this episode, I sit down with certified financial planner Ariel Ward. As a personal financial strategist and advisor, I ask Ariel the most common questions my clients have about retirement. Our discussion aims to answer the question, "Is retirement an age or a number?" We also debunk myths and propaganda that lead to feelings of overwhelm and confusion for women when planning for their future.
First, we start by addressing conflicting information about retirement. How much money do you need? When should you start saving? What age should I retire? This revolving stream of questions and misguided pressure to achieve arbitrary milestones puts unwarranted pressure on earners, especially high-achieving women who don't have the support of a trusted financial planner.
Wherever you are now is the perfect place to start learning and planning for your future. There is no cookie-cutter approach to retirement. Your age, current income, future earning potential, and lifestyle goals all affect when and how much money you need to retire comfortably. The best way to create an achievable and sustainable plan is to align your feelings about money with your values and aspirations.
I hope this discussion eases worry and shame around retirement and that after listening, you feel more empowered to take control of your financial future.
During this episode, Ariel and I answer key questions around retirement such as…
[00:09:43] Is retirement an age or is it a number?
[00:13:30] What should we be considering as we are earning more overtime and how that would impact our retirement number or our age?
[00:20:05] Can you retire on a million dollars?
[00:30:44] What would you say are steps someone could take to determine if they were on track for retirement?
Tune in to this episode of Money Files as we address common concerns and questions about retirement.
Get full show notes and the episode transcript:
https://wealthovernow.com/is-retirement-an-age-or-a-number/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Masterclass | How To Budget Without Restriction | Wealth Over Now
Ariel Ward | Abacus Wealth Partners
Pro Bono Financial Planning Services
In this episode, I sit down with fellow money coach Leisse Wilcox to discuss the impact of patriarchy on our lives, beliefs, and money. Together we address how women can take action and break out of the box society pressures us to live within.
Leisse and I work with smart, powerful, and successful women who feel held back by a patriarchal society. To overcome inequalities in how women think about and earn money, we need to unpack the subconscious belief that women are meant to serve men. This ancient expectation is ingrained into the fiber of our DNA and unconsciously dictates our thoughts and actions. We need to reprogram our brains and critically view the messages we have received about women and money.
Get inspired to take action by bridging the gap between self-worth and net worth. We hope our conversation encourages you to have more money talks with yourself, friends, and other professional women. While we can’t take down the patriarchy in a day, let’s continue to empower each other to invest in ourselves, be confident of our worth, and focus on expansion in every aspect of our lives.
While listening to this episode, consider your thoughts as Leisse and I explore these questions…
[00:18:30] How does patriarchy impact women’s ability to earn money?
[00:40:00] What can you concretely do to move forward and have a better relationship with your money and be aware of the patriarchy and how it impacts you?
Tune in to this episode of Money Files and listen to two money coaches discuss how to take action against the patriarchy and how it affects our beliefs about money.
Get full show notes and the episode transcript:
https://wealthovernow.com/finding-the-root-of-the-problem-the-patriarchy-and-our-money/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Masterclass | How To Budget Without Restriction | Wealth Over Now
Book: Overcoming Underearning by Barbara Stanny
Book: You Are a Badass at Making Money by Jen Sincero
Book: The Prosperous Coach by Steve Chandler
Book: The Soul of Money by Lynne Twist
Book: Financial Feminist by Tori Dunlap
Leisse Wilcox | Website
Leisse Wilcox | Instagram
This episode is one of my favorites because I get to sit down and talk with one of my clients. Jenna first started her journey working with me as a coach in 2021. She joined my program when she realized her financial management style didn’t align with how she wanted to live her life. Now, two years later, she is a six-figure earner, a new condo owner, and feels empowered to make good choices with her finances.
I chose Jenna for this client spotlight episode because her experiences relate to women who feel stuck in their finances. Before working with me, Jenna worked five jobs, struggled with credit card debt, and had an inherent belief that she was bad with money. As a result, she felt stuck and didn’t know how to regain control of her finances. Since starting her journey, Jenna has shifted her mindset about herself and her money after learning to budget without restriction.
So listen in as Jenna shares what inspired her to choose me as her money coach and how a shift in her financial mindset has positively impacted her life. I love sharing my clients’ wins with you and hope this candid conversation with Jenna inspires you to take control of your money and make the shift toward a healthier financial mindset.
While listening to this episode, take inspiration from Jenna’s journey…
[00:05:18] I found that working with you is not just about money. It is extremely therapeutic because I think what you unlocked in me and what you made me realize is I always have a choice.
[00:11:21] I’m making close to $15,000 now. If I had not worked with you there would be no change to how I spend money, because my mindset was not in a healthy spot for myself.
Tune in to this episode of Money Files and get inspired by my client’s experience with money coaching and how the decision to work with me shifted her mindset and empowered her to reach her goals.
Get full show notes and the episode transcript:
https://wealthovernow.com/how-coaching-helped-jenna-embrace-her-financial-choices/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Masterclass | How To Budget Without Restriction | Wealth Over Now
As a coach, I love presenting new thoughts and ideas about money to my clients. In this episode, I am joined by a friend and fellow money coach, Jess. Jess helps business owners manage their time and money. Together, we share our personal journeys that led us to become money coaches and our motivations to help women gain control of their finances.
In addition, Jess and I compare notes on common challenges our clients face when overcoming shame about money. We discuss why people hesitate to ask for help from a coach and advise on habits to build wealth now. We know that it can be scary and intimidating to enlist help with your finances. As coaches, we help release shame and worry around money conversations by looking at and understanding your numbers. Remember, no matter how much you make, a healthy financial mindset starts by learning what your money does for you.
Tune in and listen to us discuss money as coaches. I hope you gain insight into how to talk about money differently and get answers to questions about coaching that may have been holding you back from starting the process.
While listening to this episode, consider these questions…
[00:11:00] There is no guidebook to personal finances so wherever you’re starting and whatever questions you have, or haven’t asked yourself don’t use it against yourself. Start where you’re at and then start asking yourself those questions now.
[00:13:25] What are those personal finance things that people should be considering and thinking about when they’re just trying to make decisions for their basic lives if they want to grow their income or their wealth.
[00:16:45] The questions to be asking yourself are - What is my money going to do for me and can it currently? What is the next best thing that I need to learn about my finances or that I want to do this month?
Tune in to this episode of Money Files and listen to two money coaches discuss how to overcome fear and shame about money.
Get full show notes and the episode transcript:
https://wealthovernow.com/join-the-money-conversation-with-keina-and-jess/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Masterclass | How To Budget Without Restriction | Wealth Over Now
Learn more about Jess on Instagram and Sincerely, Future You Podcast
In this episode of Money Files, I am talking about balance transfers. Debt can be scary and overwhelming. Frequently, debt is holding my clients back from doing something they really want to do. As a coach, my job is to help them overcome the fear and shame around debt and introduce a financial plan that helps my client pay down debt or get out of feeling like they’re in the paycheck to paycheck cycle.
Tune in to hear my recommendations about when it is advantageous to leverage a balance transfer. I also explain the steps you need to take to use a balance transfer as a tool to pay off debt successfully.
The key to financial success is creating a plan you can stick to and feel good about maintaining. The end goal is to make your money work for you by freeing up cash flow so you can spend on things that really matter to you.
So before committing to a balance transfer, listen to this episode and consider…
[00:06:28] When should I consider using a balance transfer to help me be able to pay off debt and be able to free that money up in my cash flow so that way I can be using this money towards something else.
[00:13:12]The real cause of your debt. I need you to be honest with yourself and ask yourself “why am I in debt?”
[00:14:10] It’s not enough for you to know the amount of money you want to pay down towards your credit card. The secret for not having to be in this cycle is to prepare for the things in your life that go outside of bills.
Tune in to this episode of Money Files to learn how to leverage a balance transfer to pay off debt sooner and without shame.
Get full show notes and the episode transcript:
https://wealthovernow.com/how-to-make-a-balance-transfer-successful/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Masterclass | How To Budget Without Restriction | Wealth Over Now
How To Break the Debt Cycle By Understanding Your Spending Habits | Money Files
Reshaping How You Think About and Plan For Extra Income | Money Files
In this episode, I discuss the magic of my five-month coaching container. The most valuable part of my coaching program is that we get to do life together. As your coach, I am more than just an app or an envelope system. I will spend those five months engaged and learning about who you are, your values, and your feelings about money. I acknowledge that finances are super personal, and talking about money can bring out feelings of vulnerability. As your coach, I am by your side to dive deep into those feelings of fear or shame. The five-month coaching session is more than just learning how to manage money; it's also learning how to manage your emotions and build financial confidence.
You are uniquely you, so while every container starts with a three-step plan and 30-day projection, all of the goals we work towards are based on what you want and your beliefs about money. The five-month container aims to help you understand your numbers by building financial awareness. We work on managing your money beyond the balance in your bank account so that you can feel confident making decisions about your finances.
I am so proud to coach my clients. Our relationship is far beyond a static spreadsheet. I am here to empower you to confidently manage your finances and make decisions about money that you feel good about.
While listening to this episode, I go over key components of my five-month coaching container including…
[00:12:04] You are going to believe in your ability to manage your finances and that is the fundamental thing that I love to see built within all of my clients.
[00:13:04] In the first 30 days what we are focused on is getting to know your numbers
[00:17:57] Then we have four months to do life together. In the months that come after that first month, you’re learning how to not just manage your money from the balance in your bank account.
Tune in to this episode of Money Files to learn how my five-month coaching container will help you build financial awareness and confidently take control of managing your money.
Get full show notes and the episode transcript:
https://wealthovernow.com/the-5-month-coaching-container---explained/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
How Financial Coaching Transformed Amy and Jennifer’s Joint Finances
In this episode of Money Files, I am talking about underearning. After talking to my friends and clients, I confirmed that too many women accept being underpaid. The idea that it is okay to accept less money until you prove yourself is fundamentally flawed. It is rooted in the belief that you are less than.
You are worth a higher salary. You can achieve bigger revenue numbers in your business. I believe in you and I empower you to believe in yourself. You deserve to make more money. Don’t feel guilty or greedy or feel like you owe your employer for investing in you. Your value and what you bring to the table every day is worthy of that higher check.
So I encourage you to step back and assess your current financial situation. Consider what you would do with more money. Push away any negative thoughts - those are just holding you back. Instead, focus on the positive because those thoughts will empower you to succeed.
While listening to this episode, consider these statements and how they relate to your feelings about money…
[00:04:18] Wherever you are - if you are a business owner or if you work a 9-to-5 role, I need you to ask yourself the question, What would happen if I made more?
[00:05:15] I need you to ask yourself what would happen if I made more. And that leads me to wanting you to really define the purpose of money in your life. But then also think about what comes up for you as you think about making more money.
Tune in to this episode of Money Files to understand why It’s Not About Proving Yourself To Make More Money.
Get full show notes and the episode transcript:
https://wealthovernow.com/how-to-stop-allowing-yourself-to-underearn/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
In this episode of Money Files, I am talking about debt. So many of my clients come to me feeling overwhelmed about the amount of debt they have accumulated. It’s time to learn how to be intentional with your debt and move through your shame or fear about owing money. I want you to have a healthy relationship with debt and be able to assess your debt without judgment.
While listening to this episode, I challenge you to consider who taught you about debt. Your first understanding of debt shaped how you perceive owing money now. Therefore, it is essential to understand when your feelings about debt started so you can move past the shame and create an effective money plan for the future.
Next, I want you to think about what you were able to buy with your debt. You will be surprised to realize that most of your debt was accumulated in investments like buying your home, healthcare procedures, or education. Learning what you are willing to spend money on and go into debt will empower you to make smart financial decisions in the future.
While listening to this episode, think about your answers to these questions…
[00:01:45] Who taught me about debt?
[00:02:57] What beliefs do I hold about debt? What am I willing to go into debt for? What am I not willing to go into debt for?
[00:04:00] What do I make debt mean about my success?
[00:08:00] What has your debt afforded you?
Tune in to this episode of Money Files to learn how to be intentional with your debt and move through the shame or fear you have about owing money.
Get full show notes and the episode transcript:
https://wealthovernow.com/how-to-take-the-shame-out-of-debt/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Money circumstances can happen at any time. Things like overdraft fees, missed payments, or unexpected credit card bills can be money triggers. At lower salary levels, these circumstances are normalized, but as you grow your income, it is scary to experience something that feels like a step backward in your money journey.
I want you to feel empowered to handle money triggers in both your business and personal finances. In this episode, I am equipping you with tools so that you know what to do when you get a big credit card statement or have a bad month in your business. Fear is paralyzing and it keeps you from making changes and continuing with your financial plan. I will help you manage self-talk to overcome self-doubt and money insecurities.
My goal is to help you experience money differently and become confident enough in your ability to manage money so that triggers don’t bother you anymore. I encourage you to look at your spending without judgment and logically analyze how you got to the place you are in with money. These tools will support your future self in achieving stability and confidence with your finances.
In this episode, answer these questions…
[00:12:32] What are my money triggers? What are the things that make you feel insecure when it comes to your finances?
[00:13:15] How do I want to handle my money triggers? What is going to be your first response?
[00:13:36] How will you manage yourself when you experience a trigger?
Tune in to this episode of Money Files to move through shame and fear caused by money triggers and create a plan that confidently manages your finances.
Get full show notes and the episode transcript:
https://wealthovernow.com/how-to-navigate-money-triggers-without-self-judgment/
Links mentioned in this episode…
Masterclass: Three Keys to Drama Free Spending
Set up a call | Financial Coach Washington, DC | Wealth Over Now
In this episode of Money Files, I sit down with my mom to talk about how her early experiences with money shaped how she taught my siblings and me about finances. My Mom got her first job very young and used her paycheck to save for new school clothes. Her commitment to saving has remained constant throughout her life.
We also discuss how my journey with money began. I remember always hearing the word “budget” at home. When I got my first babysitting job, I worked hard to grow my young business and save. The foundational principle of putting money aside for a rainy day led me to get my first bank account and start making my own purchases. As I talk with my Mom, it becomes evident that my parent’s dedication to saving influenced my financial choices from a young age.
Finally, my Mom and I touch on the intentional sacrifices my parents made to support my siblings and me. I ask how they decided what to spend money on and how those spending boundaries were formed. Learning about the similarities between my mother’s relationship with money and mine is interesting.
I hope you enjoy our banter as my mother and I reminisce about my childhood and our money memories. I also encourage you to have a discussion with whoever your biggest financial influence was as a child to see how those early conversations have shaped your feelings about money.
In this episode, I speak to my mother about…
[01:42:00] What was your experience growing up with money?
[00:04:07] Is (the importance of saving) what you took away from the lessons learned as a child when it came to managing money? How did that shape how you handled money as an adult?
[00:07:29] You and daddy got married in 1975. What conversations did you guys have about how you wanted to manage money?
Tune in to this episode of Money Files as I sit down with my Mom to talk about how her early experiences with money shaped how she taught my siblings and me about finances.
Get full show notes and the episode transcript:
https://wealthovernow.com/how-my-parents-influenced-my-relationship-with-money/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
2023’s Biggest Question: Why Do You Want To Be Rich? - Wealth Over Now
Masterclass: Three Keys to Drama Free Spending
In this episode of Money Files, I am starting the conversation about retirement. There is so much embarrassment around learning how to save for the future. Many of my clients think 401(k)s and IRAs are something they should just magically understand, despite never learning about saving for retirement from their parents or teachers. They are embarrassed to ask questions and admit they don’t know if they are doing the right things to prepare.
I am here to give you permission to stop feeling guilty or embarrassed about where you are right now with saving for retirement. 401(k)s and IRAs are relatively new entities and they aren’t something we were educated on. Saving for retirement is not done in the same way as when our parents were working. Their jobs provided pension plans or company stock options. Saving for retirement wasn’t a common practice.
I want to erase the stigma or shame around retirement knowledge. I encourage you to find a financial advisor or certified financial planner and ask questions. It is okay to not know the ins and outs of 401(k)s and IRAS. Write down a list of questions and allow yourself to be honest with your feelings about retirement. It is important that you feel comfortable with your financial plan for the future. I assure you that wherever you are now is a buildable starting point to reach your goals.
If you are someone who feels guilty or embarrassed about saving for retirement I want you to listen to this podcast and remember…
[00:09:34] The 401(k) is a relatively new tool
[00:18:58] Enlist financial support from someone who is willing to educate you as you ask questions
[00:19:52] You don’t know what you don’t know when it comes to thinking about 401(k)s or 403Bs
Tune in to this episode of Money Files as I start a conversation on retirement and invite you to give yourself permission to stop feeling guilty or embarrassed about where you are right now with saving for retirement and start educating yourself so that you can establish the desired financial plan for your future.
Get full show notes and the episode transcript:
https://wealthovernow.com/stop-feeling-guilty-about-not-knowing-your-retirement-plan/
Links mentioned in this episode…
https://wealthovernow.com/appointment
30 | The Difference Between Financial Coaching and Financial Planning
Masterclass: Three Keys to Drama Free Spending
In this episode of Money Files, I share more about my background and what inspired me to not only start my business but to continue to build wealth throughout my life. I am a first-generation college graduate. My parents supported and blessed me with the opportunity to follow my educational and career dreams. At a young age, I recognized I did not want money to be an obstacle in my life.
A friend of mine recently asked, “Why do you want to be rich?” For me, that answer lies within my values of community and family. My purpose in building wealth and in building my business is to create bigger and better opportunities for future generations. My vision with my money is to use it to create change. I want to develop generational wealth and influence so that my nieces and nephews have a better starting spot in their adult lives than I did. I am passionate about education and helping underserved communities. Whether this passion evolves into a nonprofit or building an organization, I just know that the core reason I want to be rich is to help others and help my community.
Money is an excellent resource. But the vision behind wealth is just as important as the money itself. I hope that hearing about my life experiences and my goals inspires you to step out of the place you are in now. I challenge you to dream and shift your perspective. Working with a coach is a great first step to getting on the path to obtaining that dream. While you listen to this episode, I want you to think about your own values and why being rich is important to you. Get inspired and start the work towards building your future and dreaming bigger.
In this episode I challenge you…
[00:18:56] I just want you to sit with that question: why do you want to be rich? Why do you want to be wealthy? And get clear on that picture for yourself.
[00:24:23] I want you to choose something this week that scares you. I need you to do it.
Tune in to this episode of Money Files to hear a bit about my money story and my purpose for building wealth.
Get full show notes and the episode transcript:
https://wealthovernow.com/2023s-biggest-question-why-do-you-want-to-be-rich/
Links mentioned in this episode…
https://wealthovernow.com/appointment
Masterclass: Three Keys to Drama Free Spending
One of the hardest things about running your own business is managing your personal paycheck. In this episode of Money Files, I discuss the three budgets every entrepreneur needs to set to create financial confidence. Having a multi-angled personal paycheck plan removes the stress from revenue fluctuations. Regardless of good or bad months, this plan will keep your mind focused on selling and growing instead of worrying about shifts in cash flow.
Personal and business finances are strongly connected when you own your own business. Knowing how much to pay yourself and when to write that personal check is easier than you think. I encourage you to look at your numbers and establish three budget angles: gold, silver, and bronze.
The silver budget represents what you currently pay yourself. This amount is the midpoint that the gold and bronze levels are based on. Think of the bronze budget as your bare minimum. This figure should cover how much money you need for the essentials. Comparatively, the gold budget is your dream income. That paycheck covers goals a level up from where you are now.
Establishing three budgets will give you confidence in your finances. Cash flow and paychecks fluctuate when you are your own boss. Some months you make record numbers, while the following months might only bring in half that amount of revenue. Entrepreneurs experience so much stress around worrying about financial unknowns. I will help you create a plan involving gold, silver, and bronze budgets. Together we will deep dive into your personal and business finances and put your money worries to rest.
While listening to this episode, I want to guide you in considering…
[00:07:11] What is the personal paycheck that I need? What do I need to make sure that I am able to pay for and then how does that inform my business goals?
[00:05:57] That your ability to make money decisions in your business is going to be grounded in you knowing your numbers. And the numbers I want to talk about today are actually going to be on your personal side.
Tune in to this episode of Money Files to learn the three budgets every entrepreneur needs to establish to create financial confidence.
Get full show notes and the episode transcript:
https://wealthovernow.com/three-budgets-every-entrepreneur-needs/
Links mentioned in this episode…
https://wealthovernow.com/appointment
23 | How to Create Consistency With Fluctuating Cash Flow
Masterclass: How to Budget Without Restriction
I don’t know about you, but I am tired of opening up my social media and being overwhelmed with posts about New Year's resolutions. It is great to set goals, but the pressure to establish an intention for 2023 seemed stronger than usual to me. It got me thinking about how you might be thinking about your finances this year and what those goals or intentions look like.
I often see clients bring a diet mentality to their budget goals. They force themselves to be super restrictive with their spending. While there are little wins here and there, no-spend challenges end in failure. It is not sustainable. I am here to tell you budgeting doesn’t have to be about restriction.
I can help you map out a plan that you will stick to long term. You can reach your money goals without missing out on things you enjoy doing like traveling and going out with friends. I encourage you to ask yourself how you really want to feel about your finances and what would make you feel confident when looking at your bank account.
I invite you to join me Wednesday, January 18 at 12:30 PM Eastern standard time for my money class called, ‘How to Budget Without Restriction.’ Registration is available on my website. Come learn with me and take control of your money and reach your goals. I am excited to support you in 2023 in creating a system that allows you to manage your finances drama free.
While listening to this episode, I want you to think about…
[00:11:10] What type of money system you desire to have that is in alignment with your lifestyle
[00:16:09] How do you desire to experience money, long-term and what feelings are you trying to generate?
Tune in to this episode of Money Files to learn how to budget without restriction.
Get full show notes and the episode transcript:
https://wealthovernow.com/setting-sustainable-money-goals-for-2023/
Links mentioned in this episode…
https://wealthovernow.com/appointment
32 | How Financial Coaching Transformed Amy and Jennifer’s Joint Finances
Masterclass: How to Budget Without Restriction
Today I sat down with my client, Lauren who just celebrated her 1 year anniversary of working with me. Just like you, Lauren struggled with wanting to pay off debt and wanting to spend money on things like travel or experiences. As much as she tried, even with a budget of her own, she was not able to pay off and stay out of debt.
Lauren made the decision to ask for financial help after listening to one of my clients share her story on the podcast. It was only fitting to have her journey come full circle and invite her on my podcast to share her financial accomplishments.
She started her journey with the goal to break out of her debt cycle and put aside money to do things that she loves. She wanted to spend money on travel without feeling guilty or adding to her debt. By setting money aside for a travel fund every month, she was able to pay down debt, establish a healthy emergency fund, and go on several trips this year. She reached all of her money goals without sacrificing fun or needing to earn additional income.
If you are like Lauren - if you know you are making more than enough money to support your goals, but still end up short at the end of the month, I can help you. Together we will align your spending and saving patterns with what matters most to you. I hope Lauren’s story inspires you to start on your own journey with me to reach financial freedom and happiness.
In this episode, Lauren will answer…
[00:01:43] What made her reach out for coaching?
[00:22:30] Outside of paying off debt and building up savings, what her desires are, and how her money funds those priorities?
[00:24:41] The results she is most proud of after applying what she has learned in coaching.
Get full show notes and the episode transcript:
https://wealthovernow.com/how-lauren-paid-off-30000-in-credit-card-debt-and-saved-10000/
Links mentioned in this episode…
https://wealthovernow.com/appointment
If you are someone who wants to make a change in your finances as a goal for the New Year but are unsure where to start, I want to show you that your goals are possible. I am sharing a recent client panel from my most recent webinar of women who started their financial coaching journey with me in the last two years. Before working with me, they were experiencing the same fear and hesitation around managing money that you are right now.
These women all started with me unsure of whether or not they could be helped. They went from being stressed and ashamed of their financial situations to confidently saving and reaching financial goals like home ownership, starting a business, and paying off credit card debt.
If you are on the fence about asking for help with your finances, listen to their experiences. You will certainly borrow inspiration from my client’s stories. Just like you, they started their coaching journeys unsure of what the outcome would be. How was coaching going to be different than any other way they have tried before? Now, they are empowered to take control of their futures and confident about their financial security.
I hope their stories give you the confidence to make a decision about working with me in 2023 even if you don’t feel ready. You can change how you relate to money and make a path forward to achieving money wins.
In this episode, you’ll hear thoughts from the client panel on…
[00:3:07] How you can shift your thoughts and feelings about finances
[00:6:07] How coaching is different than any other system that you’ve tried before
[00:10:12] Money shifts that you can experience
[00:31:52] The results that are possible when you move towards achieving your money goals
[00:19:21] What else can be uncovered because you engaged in this work
Get full show notes and the episode transcript:
https://wealthovernow.com/life-after-coaching-three-women-share-their-financial-transformations/
Links mentioned in this episode…
https://wealthovernow.com/appointment
One of the common financial challenges I see with six-figure and high-income earners is that they outsource their financial awareness to the amount of money they make.
If you’re making more than you’ve ever made before and you still wonder if you’re doing the right thing with your money or you feel like you should have more to show - you’ve probably outsourced your financial awareness.
In this episode, you will learn why it’s important for you to create a financial system that allows you to spend money on travel while you also build towards your goal of creating a five or even six-figure savings account.
In this episode, you’ll learn:
[01:04] What is outsourcing your financial awareness
[03:32] The fear of financial restriction and how it can lead to stagnation
[05:40] How to take ownership of your finances to have more control and live the lifestyle that you desire
[10:32] How to shift from thinking like a struggling $30k earner to someone who makes six figures and is in control of their numbers
Tune in to this episode of Money Files to learn more about creating a money system that allows you to spend your money drama-free and craft the financial results you desire.
Get full show notes and the episode transcript:
wealthovernow.com/how-six-figure-owners-outsource-their-financial-awareness/
Links mentioned in this episode…
https://wealthovernow.com/appointment
Proactive is the word I’d use to describe the client I’m chatting with this week. She dared to reach out to work with me even though she was in an okay place with her finances so she could move from good to great.
Nicole started working with me early last year after getting a lump sum of money from refinancing her condo. After talking to her financial advisor, she quickly realized she needed a coach to help her make decisions and work with her on her money mindset. She wanted to understand how she could reframe her spending habits to get what she wanted out of her finances.
In today’s episode, you’ll hear Nicole share the significant shifts she has made since working with me.
In this episode, you’ll learn —
[01:19] What motivated Nicole’s initial contact and the financial hurdles that made her reach out and work with me
[09:02] How our coaching partnership has shifted Nicole’s mindset, financial control, and ownership in her business
[24:37] How to create the freedom to do what you enjoy without worrying about money.
[27:17] How Nicole feels after investing in herself to the level she is now and why it’s priceless
[30:11] Setbacks that Nicole has been able to navigate after working with me and the lessons she has learned
[34:56] Nicole’s biggest takeaway for someone who wants to move from good to great
Tune in to this episode of Money Files to learn more about Nicole’s story, how you can reframe your mindset and make shifts in your personal and business finances.
Get full show notes and the episode transcript:
https://wealthovernow.com/how-nicole-shifted-her-finances-from-good-to-great/
Links mentioned in this episode…
https://wealthovernow.com/appointment
If you are in a 9-5 job and in a position where you want to create your transition plan to work for yourself, you’re not alone. It’s been almost two years since I left my job to work full-time in my business. When I first started working for myself I used my savings and contract work to manage my expenses but went back to full-time employment to rebuild my savings. I learned a lot and today I want to share my personal story of transitioning from a 9-5 to working for myself full-time.
Building your business and creating a financial safety net to quit your job is all about creating an exit plan.
If you’re looking to create your own financial exit plan this episode is for you.
In this episode, you’ll learn…
[00:36] How working and building your business at the same time can help you plan your exit strategy and how I did it
[04:10] Six steps to help you prepare to leave your job and go full-time into your business and how they worked for me
[06:26] 1. Separate your personal and business finances to prepare yourself for effective decision-making and financial success
[07:42] 2. Prepare your business finances by creating your budget and breaking it down
[09:25] 3. Determine what your ideal financial safety net looks like that will help you feel safe to leave your job
[10:30] 4. Know your numbers and how much you will pay for hidden numbers, such as taxes, PTO, and healthcare, and incorporate them into your business budget.
[15:19] 5. Determine your paycheck and the scale to use as you move from bronze, silver, to gold budget in your business.
[17:29] 6. Be clear on your income goal; If your income goal is $100,000, determine what your income will allow you to do and how much you need to make in a month.
Tune in to this episode of Money Files to learn more about the six steps and how you can implement them to create financial safety to leave your job and make a smooth transition.
Get full show notes and the episode transcript:
https://wealthovernow.com/how-to-prepare-a-transition-plan-to-work-for-yourself-full-time/
Links mentioned in this episode…
https://wealthovernow.com/appointment
EP. 18 Giving Yourself Permission To Grow Your Business And Take On A Full-Time Job
One of the common challenges I see as my clients make more money is an unintentional shift in focusing on their numbers.
Most of my clients would tell you they had a budget when they were making less money - because they felt like they needed to budget. But now that they’re making six figures or even multiple six figures they no longer feel the need to budget.
This is simply because their thoughts about money and the need to budget has changed. There is an underlying belief that budgeting is only for managing money that can barely meet your needs. Instead of thinking about budgeting as a tool to create a life you love.
In today’s episode, I want to invite you to shift your relationship with your finances by teaching you a simple financial decision-making protocol that you can use at any income level.
This protocol will shift your beliefs about spending money in a way that will allow you to feel in control of your finances.
In this episode, you’ll learn:
[00:01:24] How lifestyle creep leads to a sense of entitlement and you feel entitled to unintentionally spend money that you have.
[00:02:13] The importance of creating a healthy financial decision-making protocol for yourself.
[00:05:19] The benefits of building an awareness of how you spend money.
[00:18:18] Why you should plan in advance on what you want to be able to say yes to.
Tune in to this episode of Money Files to learn how to create a healthy financial decision-making protocol for yourself.
Get full show notes and the episode transcript:
https://wealthovernow.com/establishing-a-healthy-financial-decision-making-process/
Links mentioned in this episode:
https://wealthovernow.com/appointment
Wealth Over Now Spending Plan
Do your financial dreams go beyond improving your credit score or paying off debt?
One of the common challenges I see as a coach is that people do not allow themselves to have financial dreams outside of common financial advice like saving more money, improving their credit score, or paying off debt.
When I think about my own financial dreams, even while I was in the midst of paying off my student loans and saving $50 per month, my dreams were big. I was outlining the next version of my life because while I was aware of the goal to pay down debt and save more, I also knew those challenges weren’t always going to be there.
In today’s episode, I want to give you permission to dream. What do you want life to look like after you’ve saved six months of expenses or after you’ve paid off all of your debt? Think about the things that you want to be able to say yes to, write them down and allow your brain to explore life after you reach your goals. Giving yourself permission to dream will allow you to attach a purpose for the money in your life and your brain will problem solve to accomplish your current goals while also building your capacity to dream bigger.
In this episode, you’ll learn:
[00:00:54] Why giving yourself permission to dream is important
[00:02:40] How your dreams are incorporated in my coaching partnership
[00:04:08] Selling yourself on the life that you desire to build
[00:12:20] Using financial visioning to help you dream bigger
[00:13:56] Ideas for your dream list
[00:15:01] Establishing your goals in four areas of your life- Six Months From Now, One year From Now, Five years from now, 80 years from now
Tune in to this episode of Money Files to learn the importance of giving yourself permission to dream big in order to create the life you desire.
Get full show notes and the episode transcript:
https://wealthovernow.com/how-to-use-financial-dreams-to-pay-off-debt-and-save-money/
Links mentioned in this episode:
https://wealthovernow.com/appointment
EP. 19 Financial Visioning
I’ve worked with over 100 people since I started my coaching business and one thing connects them all, they’re worried about what they will lose if they commit to knowing their numbers. And you might find yourself thinking in a similar way, it’s normal.
But it’s important to understand that prioritizing your finances is the equivalent of you choosing to put your oxygen mask on first. And when you choose to put your oxygen mask on first, you have the ability to be present in every other area of your life.
And a simple shift of being financially present will allow you to see what opportunities you can choose to say yes to with more ease and confidence.
In this episode, you’ll learn:
[00:02:37] Why your financial fear is leading to avoidance
[00:12:31] Accepting failure as part of your financial journey
[00:13:32] Avoiding your finances is going to keep you creating the same results that you have right now
[00:18:13] The importance of practicing financial gratitude
[00:25:24] Investigate, what opportunities are you not saying yes to because you don't know your numbers
Tune in to this episode of Money Files to learn the importance of knowing your numbers so you can say yes to more opportunities.
Get full show notes and the episode transcript:
https://wealthovernow.com/prioritizing-your-finances-so-you-can-say-yes-more/
Links mentioned in this episode:
https://wealthovernow.com/appointment
Tavianna’s Growing Money Confidence
Tavianna’s 30-Day Money Transformation
It’s that time of year again: open enrollment season, a time of year that people largely forget about. Maybe you just picked the first health plan you saw when you started a new job, without considering your individual health needs, or you set up the 401k contributions based only on your employer’s match program.
If you’ve never reviewed your plans or contributions since then, you’re probably leaving money on the table – money that could be getting you closer to your financial goals. Reevaluating your flexible spending, retirement, and health plans each year and making adjustments as your needs change will help you align your contributions with your long-term financial plans.
In today’s episode, I’m talking about why you need to take advantage of the end-of-year open enrollment season, by reviewing your health coverage, asking questions, using trial and error, and planning out your contributions. I’ll also walk you through the different types of programs that might be available to you and how they can work together so you can make sure that your money and your benefits are in alignment with your financial goals.
In this episode, you’ll learn…
[01:22] Why you need to reevaluate your plans and contributions during open enrollment season and ways to ensure that the coverage you have aligns with your health needs
[08:21] How paying attention to your bills and asking questions about your coverage can help you save money
[14:07] The importance of finding out if your FSA money rolls over to the next year and monitoring how much you spend so you know how much to contribute
[17:12] What’s different about an HSA and how to determine which plan makes the most sense for you
[20:46] Why asking more questions before getting a procedure can benefit your health and your finances
[21:29] How planning regular increases in your 401k contributions will benefit your long-term financial health
Tune in to this episode of Money Files for tips on how to approach open enrollment season and making the most of your benefit plans and financial contributions.
Get full show notes and the episode transcript:
https://wealthovernow.com/why-reviewing-your-finances-during-open-enrollment-season-will-set-you-up-for-financial-success-next-year
If you’re a type-A person like me, you probably grew up in an environment where you were praised for the ability to do things on your own instead of constantly asking for help. For me, the belief that I should be able to figure everything out by myself served me well… until it didn’t and started hindering my personal growth.
These last few weeks, I’ve been exploring what it means to embrace feelings of vulnerability and fear to move out of my comfort zone and reach out for support. Because to say yes to myself and to become the best version of me, I have to let go of the shame and other negative emotions that tell me I should do everything by myself and build that habit to ask for the help that I need.
If this resonates with you, especially when it comes to asking for help with your finances, just know that I understand the journey, and I’m here to support you with grace and compassion. On the other side of these negative emotions is a transformation that can change your life for the better.
In this episode, you’ll learn…
[03:33] How emotions can hold you back when you don’t allow yourself to process them
[07:08] Why it’s necessary to embrace vulnerability and ask for help to become the best version of yourself in your personal life and your finances
[09:53] Why I get so excited to offer help and support my clients as they shift the way they think about money
[12:05] How sharing our struggles and asking for help builds that habit and allows us to reach out more consistently
Tune in to this episode of Money Files to move through shame and fear and start asking for the help you need.
Get full show notes and the episode transcript:
https://wealthovernow.com/how-asking-for-help-allows-you-to-become-the-best-version-of-yourself
Links mentioned in this episode…
Daring Greatly by Brené Brown
Are you in a position where you know you need to make a change, but are too stuck in old beliefs and fears around money to ask for help?
That was the story for my client Karen, until she made the brave decision to reach out and ask me for help. Karen first started working with me at the beginning of the pandemic after going through bankruptcy. Today, I’m catching up with her after almost two years since we started working together.
In this episode, Karen reflects on the changes financial coaching brought into her life, like being able to pay for car repairs without an anxiety attack, how she does weekly money dates and continues to personalize the tools I developed for her to fit her changing life, and how the support she received during financial coaching allowed her to rein in her emotional spending and rebuild her trust in herself.
Toward the end of our chat, Karen shares how she recently found her one-year plan that she made with me and how she was surprised to discover that she had met every single goal that she had set for herself, from living on her own to moving to a new state.
Financial coaching completely changed Karen’s life, not only by teaching her how to set goals, but by giving her the skills and the confidence that have empowered her to reach those goals. Her biggest piece of advice to others is to take the leap today, right now, if you’re ready to make a change in the way you manage your finances and your life as well.
In this episode, you’ll learn…
[02:47] What made Karen decide to finally make the leap to start working with me and her feelings about having someone in her corner on her financial journey
[10:04] How Karen has kept up with her budget and stayed in control of her finances
[17:44] How Karen continues to use the skills she learned during our coaching partnership to address her financial triggers
[25:01] Why Karen, who is usually non-confrontational, likes to negotiate now and how she prepares for expected and unexpected expenses
[32:52] How Karen learned to trust herself again and develop confidence through managing her money
Tune in to this episode of Money Files to hear how my financial coaching partnership changed Karen’s life.
Get full show notes and the episode transcript:
https://wealthovernow.com/how-the-skills-karen-learned-during-our-financial-coaching-partnership-continue-to-support-her
Links mentioned in this episode…
Karen’s first episode
Are you a person in position to price your own work by doing 1099 work on the side or even as a full-time solopreneur? Are you undercharging and having difficulty making the amount of money that you need to make your business sustainable and your life less anxious?
To charge the amount you need for business and financial success, you need to examine how you think about your services and start charging based on the value you provide, not necessarily for “accessibility” or “affordability” (because those are going to change based on each individual’s values anyway.)
In today’s episode, I’m going to help you evaluate your mindset around your pricing system, whether you’re about to start charging for your services, you’ve already started a side-business and need to make sure you’re actually getting a worthwhile return on investment for your time, or you’re a full-time solopreneur trying to make sure that your prices can sustain the life you want to live.
Taking the time to evaluate your mindset around your prices, understand why you price your services the way you do, and adjust your prices based on your lifestyle and financial goals will allow you to have more control over your finances and more choices for how you spend your hard-earned time and money.
In this episode, you’ll learn…
[04:27] Keina’s experience of pricing for “accessibility” instead of value and how it wasn’t sustainable for her business and the life she wanted to lead
[07:40] How Keina thinks about the value she provides her clients (and the $2 million she’s helped them collectively save) and why it’s given her so much confidence in her pricing
[14:26] The questions you need to ask yourself before you decide to start charging for your services so you can show up fully for yourself and your clients
[19:07] How to evaluate your prices if you’re already charging for services so you can make sure your ROI is worth it
[28:02] How planning backwards from the amount of money you’d like to make and how you’d like to make that money will help to clarify how much your need to charge for your services
Tune in to this episode of Money Files to examine your mindset around pricing and start charging for your services in a way that serves you AND your clients.
Get full show notes and the episode transcript:
https://wealthovernow.com/evaluating-your-mindset-so-you-can-feel-confident-in-your-pricing/
Links mentioned in this episode…
Keina’s Facebook Group
Do you find yourself paying off debt each month, only to find yourself surprised by an even higher credit card bill a month or two later?
If you want to break the cycle of debt, it starts with understanding how money is moving in and out of your life. If you don’t think about your money until it starts to cause you pain, you end up spending and “figuring it out later”, often resorting to using your tax refund or holiday bonus to pay off debt. Discovering the habits keeping you in debt and then creating a plan to mindfully choose what you do — or don’t — want to use debt for, will help you break your debt cycle permanently.
In today’s episode, I’m talking about five things that might be keeping you in a debt cycle, how to pull yourself out of that cycle by examining your emotions and motivations, and the importance of setting boundaries and intentions around credit card usage so that you can finally move out of debt and into a more thoughtful, mature way of handling your finances.
When you understand the role that money plays in your life, when you have awareness of how you’re spending, and intention around how you want to spend, you can build long-term money habits that will help you stay out of debt. If you’re ready to commit to becoming a person who mindfully manages their finances, tune in to this episode!
In this episode, you’ll learn…
[02:27] How making a commitment to yourself helps you break free from debt and build long-term skills for managing your money
[12:14] How to break the debt cycle by examining your money habits
[14:23] What you can do to address impulsive spending that’s tied to your emotions
[17:51] Common reasons you’re in credit card debt and how to tackle them
[25:09] How understanding the way you use debt allows you to make more thoughtful, long-term decisions
[26:49] How setting intention and purpose for your credit card usage helps you stay out of debt
Tune in to this episode of Money Files for tips on getting out of debt, improving your relationship with debt, and building solid money management habits.
Get full show notes and the episode transcript:
https://wealthovernow.com/how-to-break-the-debt-cycle-by-understanding-your-spending-habits
Links mentioned in this episode…
Previous episode: How Jeanine Got Out of the Debt Cycle in Five Short Months
Previous episode: Shift the Way You Think About Saving to Build Better Financial Habits
Download my FREE spending plan
The very first time I met Eniola, I asked her how much she paid for her house. Although she was a little surprised by the question, she graciously answered me, and we were able to have a conversation about real estate costs and options in our area.
While social conventions sometimes discourage this kind of discussion, I’ve found that casual chats about money between friends allow us to share financial information and experiences that give each of us more clarity and power as we navigate our own financial circumstances, like negotiating an interest rate or asking for a salary increase.
In today’s episode, Eniola and I reflect on our first conversation which gave Eniola insight on housing prices in our area and the discussion that helped Eniola to negotiate a higher salary at her new job, as well as a more recent chat we had that convinced Eniola to raise her consultation rate.
If you want to make the financial decisions that are the most beneficial to you, then information is power. My conversation with Eniola today will convince you that having money conversations and exchanging financial knowledge with those around you will empower you to take control of your financial life and achieve the results you desire.
In this episode, you’ll learn…
[08:23] How open conversations about money allow us to make better informed decisions, especially around housing costs and financing options
[15:35] How discussing salary negotiations with a friend helped Eniola get substantial salary increase as she started a new job
[29:42] Why who you choose to discuss money with can change depending on your season of life
[34:34] How asking your friends and colleagues “What don’t I know?” can lead to new financial insights, like career development opportunities
[38:32] How asking questions allows you to discover new financial opportunities, like uncovering pay scales or per diem resources from your employer
Tune in to this episode of Money Files to hear my friend Eniola and I chat about honest money conversations and how they’ve improved our financial lives.
Get full show notes and the episode transcript:
https://wealthovernow.com/an-honest-money-conversation-with-my-friend-eniola
Links mentioned in this episode…
Mimosas + Money Matters
Previous episode: Negotiating for the Salary You Desire & Deserve with Kim Tran
Have you ever taken the time to think about your relationship with debt? Many of my clients come to me with student loan debt, personal loans, or credit card debt.
Their thoughts are consumed with trying to figure out how to manage paying off their debt while also working towards other goals like buying a home, building an emergency fund, or having extra money to do things they enjoy like traveling or enjoying a spa day.
In today’s episode I help you reframe your relationship with debt so you can then decide how you want to approach paying down debt in your own life.
This episode will help you discover the root cause of your debt, engage you in a flexible plan to help you pay down your debt, and identify ways to ease the financial burden so you can pay off your debt sooner.
In this episode, you’ll learn…
[01:14] The debt brain-dump and how it can help you sort out your feelings around your debt
[04:43] How the financial awareness you gain from a debt brain dump allows you to make adjustments in the way you handle your money
[07:30] Why examining your motivations will help you choose a debt payoff strategy that works best for your unique situation
[12:03] Why you shouldn’t turn to balance transfers until you understand why you’re in debt
[16:49] How you can change debt payoff from feeling restrictive to expansive by looking for ways to make extra money and finding extra money in your budget
[24:52] Why changing your mindset and paying off your debt can open up opportunities you never thought possible
Tune in to this episode of Money Files to change your mindset around debt and pay it off for good.
Get full show notes and the episode transcript:
https://wealthovernow.com/how-examining-your-mindset-around-debt-can-help-you-pay-it-off
Are you trying to decide between saving money or paying down debt? Maybe you’re intimidated by trying to save a certain amount because you’ve never been “good” at saving money, or you’re tempted to pay off some of your big credit card balances or student loans with every spare dollar you have. But if you don’t have any savings for unexpected expenses, you’ll be stuck using credit cards and adding to your debt instead of paying it down.
Instead of trying to decide between paying off debt and saving, you can do both by asking yourself a different question: “How can I pay myself first?”
So many of my clients start out saving their leftover money after rent, utilities, and other expenses each month, but I want you to start paying yourself first by setting aside money each month for an emergency fund before you allocate your money anywhere else. Even if it’s just $25 a month, consistently saving any amount helps you build that muscle and lays the groundwork for you to save more over time.
In today’s episode, I’m going to help you rethink how to save money for yourself and reevaluate just how much money you need to save in an emergency fund for your specific circumstances (and it might differ from some of the classic advice you’ve heard before). This shift in your mindset will let you build confidence in the belief that you ARE someone who can save money, save consistently, and prioritize your own financial health. You’ll be able to plan how you save, find opportunities to boost your savings, and feel in control of your financial future.
In this episode, you’ll learn…
- How you can save money and pay down debt at the same time by paying yourself first [02:07]
- Why you should start saving money, no matter the amount, and how that habit will build confidence in your belief that you CAN save money [03:53]
- How you can create a year-long plan to meet your savings goals [07:10]
- Why $1000 is a starting point for your emergency fund and how to create personalized savings milestones for yourself and your unique circumstances [10:12]
- Why you should keep your emergency fund in a separate account so that you know exactly what it’s for and how it’s working for you [15:19]
- How you can boost your emergency fund to stay ahead of life-style creep, reduce your expenses, and be prepared for unexpected financial upheavals [16:49]
Tune in to this episode of Money Files to start building your emergency fund and prioritizing your financial health.
Get full show notes and the episode transcript:
https://wealthovernow.com/shift-the-way-you-think-about-saving-to-build-better-financial-habits
Are you making “good money,” but still feel you can’t do what you want with your money without concern of “how am I going to pay for this?” You might think making more money will solve your financial desire to travel more, pay off debt, or reach your next goal of buying a home. But you can’t out-earn your spending habits, so to create clarity with your finances you need to start giving every dollar a name.
In today’s episode, I’m going to walk you through my process of naming every dollar you earn so that you aren’t overworking your money. This process will help you take the shame out of your finances and help you to get to know your numbers so you can plan and spend with intention.
In this episode, you’ll learn...
- Why you don’t feel wealthy despite making “good money” and the shift in thinking you need to make financial progress [05:34]
- How giving every dollar a name allows you to create clarity around your money [09:09]
- The three step process for naming each dollar to guarantee that they aren’t overworked [13:18]
- How creating clarity around your money allows you to confidently create more money [21:28]
Tune in to this episode of Money Files to learn how to give every dollar a name and start building the life you want.
Get full show notes and the episode transcript: https://wealthovernow.com/how-giving-every-dollar-a-name-will-help-you-make-financial-progress
Links mentioned in this episode…
Mimosas + Money Matters
I first shared Brent’s journey shortly after he finished working with me in my five month coaching partnership. In this conversation I caught up with Brent almost two years later and we’re pulling back the curtain to hear about his financial journey after working with me.
Before working with me Brent spent his mental energy either agonizing over his imperfect finances or avoiding them as much as possible. He was constantly worried about having enough and would use his credit card between paydays to sustain his lifestyle.
When we finished coaching together Brent was about to move into a new apartment, which meant he needed to shift his budget. In fact, this past year has been one met with new financial experiences as Brent has navigated unexpected expenses, shifts in financial goals, and rising inflation. This last year of managing his finances on his own has helped Brent let go of perfectionism and embrace the shift in his money mindset.
In our conversation today, you’ll hear Brent share several powerful thoughts and questions he uses to embrace a healthy financial mindset.
Instead of old questions like “Will I have enough money for this?”, he learned to ask “Will this purchase align with how I want to use my money?” He gained confidence in his ability to adjust his budget in real time. Instead of beating himself up over a forgotten fee, now he just adds it into his budget for the next month and moves on.
Being able to trust in the financial management system he has now means that Brent has been able to invest that energy into other areas of his life. He’s been able to let go of worrying about getting his finances perfect, and uses money dates to check in periodically instead. Brent’s taken that extra time and energy to work on his fitness and health, hiring a personal trainer and setting aside money each month to cover that expense. He used the self-confidence he gained from feeling in control of his finances to negotiate a raise at his job. And Brent, who used to live paycheck-to-paycheck, now has both an emergency fund and enough savings built up to cover three months of utilities to be able to live on, giving him a sense of freedom and security he never thought possible before.
In this episode, you’ll learn...
- How shifts in Brent’s money mindset have allowed him to enjoy life more [04:58]
- Why keeping a budget has allowed Brent more freedom [06:51]
- How having a clear plan transforms your approach to spending money [12:58]
- How Brent’s new relationship with money has impacted those around him [20:58]
- The results that have surprised Brent the most in the last year and a half [23:16]
- How his budget has helped him build awareness around spending [32:24]
- The financial results he’s most proud of on his journey [35:55]
Tune in to this episode of Money Files to hear all the details about Brent’s financial results almost two years after he started working with me.
Get full show notes and the episode transcript: https://wealthovernow.com/how-brent-ditched-perfectionism-and-got-intentional-with-his-spending
Links mentioned in this episode…
Brent’s First Episode
You’re often told that you’re supposed to do life a certain way. Finish K-12, graduate with a college degree, then get a full-time job. We’re taught that life progresses in a linear fashion. But life isn’t always linear. And neither is your financial journey. Sometimes, you may take one step forward and two steps back. But that doesn’t mean failure. Everything is a learning experience. Everything is progress.
A thought that I share often with my clients is, “You got this.” I want you to believe in yourself. I want you to have your own back. I want you to know how to encourage yourself to keep going. Notice the shifts in your thinking, in your actions, and in your results and celebrate how those changes have improved your financial well–being. You don’t have to be perfect with your money; we’re all making progress a day at a time.
In today’s episode, I’m sharing three milestones that I talk about with my clients. Celebrating these milestones will reinforce the mindset shifts you’ve made and allow you to reflect on how far you’ve come on this journey already. Reminding yourself that you’ve made progress and that you understand how to manage your money in a more mature way will continue to build your financial confidence and set you up for long-term success.
In this episode, you’ll learn...
- Why it’s important to have your own back [02:12]
- Why you should document and celebrate your milestones [07:36]
- Why embracing what’s working sets you up for long-term success [12:33]
Tune in to this episode to learn why you should celebrate your milestones and wins.
Get full show notes and the episode transcript: https://wealthovernow.com/why-financial-results-dont-have-to-be-linear
Links mentioned in this episode…
Join my live group coaching calls, Mimosas + Money Matters
Download my FREE spending plan
If your story is similar to my own, you might have opened your first credit card with the intention of building your credit. But, years later, your credit line increased and the way you use your card changed, perhaps without you even noticing. Instead of using your credit card as a tool to boost your financial health or to earn cash back and rewards, now it’s just an easy way to make purchases and pay them back later. Or maybe not, if the balances are getting away from you.
But, it’s not really an issue with credit cards, is it? Credit cards can be great financial tool as long as we’re using them in a financially mature way, which means understanding their benefits and costs and establishing better credit card practices that allow you to be intentional about how you spend your money.
In today’s episode, I’m talking about the importance of identifying your intentions with your credit card use and understanding how you’re actually spending money when you use your card. I’m also sharing three tips that will help you be more intentional about how you use your credit cards.
Whether you’re someone who is paying down debt or someone who pays their monthly balance in full, building a better relationship with your credit cards will build awareness of your spending as well as help you get out (and stay out) of debt.
In this episode, you’ll learn...
- How credit card debt sneaks up on you if you don’t have a handle on your money [04:52]
- Why you need to identify the role credit plays in your life [08:23]
- Why it’s important to check whether your credit card is still serving you [09:39]
- How to define the type of relationship you want to have with credit [10:54]
- How knowing the interest rates and fees on your credit cards can help you avoid hidden costs [12:41]
- Why you should know and establish your payoff plan (even if you don’t hold a credit card balance) [16:42]
- How paying off your credit card weekly will help you stay in control of your budget [19:55]
Tune in to this episode to learn how to use your credit cards with intention.
Get full show notes and the episode transcript: https://wealthovernow.com/how-to-build-a-better-relationship-with-your-credit-cards
Links mentioned in this episode…
Join my live group coaching calls, Mimosas + Money Matters
Download my FREE spending plan
Overspending is a common challenge for my clients. Fluctuating categories like groceries, shopping, and travel can catch you off guard if you’re not paying attention and spending with intention. Many people live with the thought that budgeting will be too restrictive, so they don’t track their money at all, leading to shame and buyer’s remorse.
But budgeting isn’t about restriction. It gives you freedom and flexibility and a way to get back on track even when you do overspend. It allows you to ground yourself in the numbers and to avoid getting lost in the emotions that can feel overwhelming around money. Because even with a budget, overspending happens. It’s all about how you respond to overspending and having helpful tools in place to bring more intention to your spending.
So, in today’s episode, I’m walking you through four common causes of overspending. Then, I’m giving you 10 tips that you can implement to go from feeling reactive about money to being in control of your money. These tips will help you stay grounded in financial reality, while allowing you room to prioritize the financial and personal goals that bring you the most joy.
In this episode, you’ll learn...
- How a budget helps to ground you in reality and gives you flexibility [01:22]
- Four common causes of overspending [05:14]
- Getting specific about what you’re overspending on and being realistic about your numbers [08:54]
- Considering how your emotions play into overspending [12:03]
- Creating joy around spending money on things that you actually want [15:15]
- How a 24-hour pause helps you make a better spending decision [16:52]
- How planning and organization help curb overspending [17:53]
- Making a mini-budget for your vacations, events, and holidays [19:51]
- The benefits of unlinking your cards and spending from one account [21:31]
- Why you should always ask yourself if you’re spending on a need or a want [23:08]
Tune in to this episode to learn how to build your financial confidence and achieve your money goals.
Get full show notes and the episode transcript: https://wealthovernow.com/how-to-navigate-overspending-without-guilt
Links mentioned in this episode…
My Free 5-Day Financial Habit Tracker
Fear of failure is something I hear about a lot from my clients. If they get out of debt, they’re afraid they’ll get back into it. They overdrafted before, maybe they’ll overdraft again. They feel like making a misstep means starting back from square one.
This fear could be why you haven’t started a budget or revisited your money goals or started tackling your debt. Like many of my clients, you might be scared that the process won’t work. Scared you’re going to have to start over.
But success isn’t linear. The ebbs and flows of your money are data points. They serve as information, not an opportunity for judgment. Every misstep provides an opportunity to reflect and ask yourself how you can move forward differently in the future. It offers you a moment to ask yourself how you define failure and if you truly failed in this moment, or if, perhaps, you’ve just been given an opportunity to use the skills you’ve learned from your past experiences to make better choices going forward.
In this episode, I want you to think about why you haven’t started over (or started at all) when it comes to your financial success. You’ll learn questions to ask yourself that will help you get curious about your relationship with money. You’ll learn to rethink the way you look at financial failures or new financial circumstances so that you can apply the experience you’ve gained to have your own back when it comes to making better decisions about your money. You can always start over. Don't be afraid to begin again. And I want to empower you with the confidence to do that.
Tune in to learn how to build financial confidence and awareness that will last a lifetime.
In this episode, you’ll learn...
- How we often let fear of failure get in our way of starting over [03:08]
- The importance of monitoring your self-talk [04:39]
- Why you should approach financial shifts with curiosity and questions to ask yourself about starting over and failure [05:56]
- How your thoughts about failure hold you back and how data points help you make sense of your numbers [08:29]
- How “starting over” is actually just a different starting point that gives you the tools to stay on track [10:03]
- How a financial coach serves as a support system for your progress [10:53]
- How to ask yourself critical questions [12:16]
- Why you need to be honest with yourself and acknowledge why it’s hard for you to start over and the different tools you’re bringing this time around [14:01]
Tune in to this episode to learn how to build your financial confidence and achieve your money goals.
Get full show notes and the episode transcript: https://wealthovernow.com/starting-over-is-just-another-step-toward-financial-progress
Links mentioned in this episode…
Money Files Episode 7: Moving Forward After Financial Failure
When I first met Amy and Jennifer, they hadn’t ever put much forethought into their finances in their 23 years together. They didn’t manage their money together, set goals together, or even think through their spending together. They had dreams, but they had no idea how to reach them financially.
Learning how to discuss and manage their finances as a team helped them transform their relationship with money.
During our ten months working together, Amy and Jennifer learned how to have honest, productive conversations about their finances. Amy was able to hand over some financial responsibility, Jennifer quit her job to start her own business, and their entire family made a long-awaited cross-country move – all because they started looking at their numbers together.
This shift has allowed Amy and Jennifer to reach a level of financial stability they never thought possible. In our conversation today, you’ll hear how they transformed their financial situation by working on their individual and joint money mindsets. You’ll see that managing money with your partner isn’t about controlling one another, but instead about empowering each other to make smart, fulfilling money decisions.
In this episode, you’ll learn...
- How and why Amy and Jennifer decided to invest in a financial coach [0:58]
- How Amy and Jennifer used to manage their money, and how it affected their relationship [4:25]
- Why shame-free financial coaching is key for making a real, lasting change [7:28]
- How to show up confidently for your money, no matter how much of it you have [13:09]
- How value-based budgeting allows Amy and Jennifer to spend without guilt or shame [18:49]
- How they learned to have honest conversations and divide financial responsibility as a couple [22:40]
- What it feels like when you finally start to develop financial confidence [25:46]
- How Amy and Jennifer’s financial transformation has impacted their kids [30:34]
- How financial coaching helped their relationship become even stronger [34:23]
Tune in to this episode to learn about managing your money with your partner and becoming a financially confident couple.
Get full show notes and the episode transcript: https://wealthovernow.com/how-financial-coaching-transformed-amy-and-jennifers-joint-finances
If you’re like most of my clients, the overwhelm and shame you experience with your finances can be traced back to a lack of financial confidence.
You don’t feel confident in your ability to manage your money well and any time you’ve started to make changes you end up in the same place. You recognize that you need to make a change, but you don’t feel capable of taking the necessary steps towards creating that change because of the stop and go nature you’ve had with budgeting.
Luckily, financial confidence is a skill you can build.
In this episode, I want to help you recognize what is already working and how you can build upon your current progress. You’ll also have the chance to identify who you are when you are confident so you can tap into that version of yourself a little more each day.
Tune in as I share 8 actionable steps for building financial confidence.
In this episode, you’ll learn...
- What financial confidence is and how it can hold you back [00:34]
- What financial confidence looks and feels like in day-to-day life [2:48]
- How to recognize other areas of your life in which you’ve built confidence [3:04]
- How to envision and recognize the financially confident version of yourself [6:20]
- How to make the conscious decision to improve your relationship with money [10:59]
- My actionable steps for building financial confidence [12:27]
Tune in to this episode to learn how to build your financial confidence and achieve your money goals.
Get full show notes and the episode transcript: https://wealthovernow.com/how-to-build-your-financial-confidence
Links mentioned in this episode…
Ep. 21: Using Money Dates to Spend Quality Time with Your Finances
Ep. 30: The Difference Between Financial Coaching and Financial Planning
Download my free spending plan
Many of my clients believe they need a financial planner because they feel overwhelmed by their finances or they’ve heard that you “should” have an advisor to help you make “good” financial decisions. When is the right time to seek out a financial planner? What services does a financial planner provide that a financial coach does not?
In today’s episode, I’m talking to my friend Ellen, a financial planner, about who you need on your numbers team. In this candid conversation, we discuss the difference between how she supports her clients as a financial planner and how I support my clients as a financial coach. We’re also debunking common financial misconceptions and talking through some of the greatest lessons we’ve personally learned on our money journeys.
Understanding the difference between a coach and a planner will help you make an informed decision on whether you’re looking for support to learn how to better manage your finances day to day or support in preparing for retirement.
In this episode, you’ll learn…
- The difference between a financial coach and financial planner [04:28]
- My personal experience with choosing a financial planner [10:57]
- What questions to ask of a financial planner before working with them [14:44]
- How to know when you need a financial planner [15:21] [19:11]
- The difference between fixed expenses and variable expenses and how to consider them with budgeting and savings [15:52]
- What it really means to max out your 401k [20:53]
- The importance of giving yourself grace and being curious in your financial planning journey [27:43]
- What to focus on annually when it comes to your long-term financial plans [40:19]
- Understanding how much money you truly need to live when you retire and how to plan for that [44:57]
- Ellen’s advice for what she would do differently [50:04]
Tune in to this episode to learn the difference between financial coaching and financial planning, and how both can benefit you.
Get full show notes and the episode transcript: https://wealthovernow.com/the-difference-between-financial-coaching-and-financial-planning
When you think about how much money you have the ability to ask for or create, what is that number?
We all have thoughts about money and one thing I help my clients discover is how much money seems “unreasonable” or “unattainable” when it comes to their ability to earn more. I call this concept their money ceiling.
Your money ceiling is the highest amount of money that you feel comfortable thinking about making.
In this episode, I want to help you identify your own money ceiling and question your own limiting beliefs about how much you’re comfortable earning. I want to offer you the opportunity to explore your money ceiling, and then really ask yourself “What would it look like to earn more? And what is my capacity for earning more money?”
I’m sharing 10 simple steps you can implement to get out of your own way and increase your earning potential.
In this episode, you’ll learn...
- What is a money ceiling [03:24]
- How exploring different money scenarios can help you identify your money ceiling [09:44]
- About the mindset work I do with clients to shift their money ceilings [13:21]
- How to think about money as a positive tool that creates impact [15:12]
- Why you should find a community where you can talk openly about money [15:43]
- How finding positive examples around you of people who make more money can shift your mindset [16:45]
- The importance of regularly looking around you for the positive impact money can have [23:33]
Tune in to this episode to learn how to identify—and break through—your money ceiling.
Get full show notes and the episode transcript: https://wealthovernow.com/identifying-your-money-ceiling-and-shifting-your-mindset/
Before I met Chelsea, she struggled with managing her money in a way that felt intentional. As an entrepreneur—a personal stylist for six-figure earners—she was paying herself everything she was making and pulling tax money for her business from her personal savings account. Her personal and business finances were too muddled.
Creating a financial system gave her the clarity and peace of mind needed to manage her money intentionally.
During our time working together, Chelsea was able to start paying herself consistently, save for taxes, and build her savings—which allowed her business to take care of itself. She also decided to apply for a full time role while running her business. In our conversation today, you’ll hear how the work she’d done with pricing in her business helped her have the confidence to ask for the salary she desired.
Her overall shift in her money mindset not only allowed her to manage her finances intentionally but helped her to see the value of money in her own life. Your worth is not tied to how much money you make, but knowing your worth and how your money can support you is how you take charge of your finances.
In this episode, you’ll learn...
- How Chelsea was managing her business finances before working with me [03:59]
- The sense of security Chelsea feels having a financial system in place [06:13]
- How she has become more intentional with her spending [09:54]
- Why there’s no shame in working a job while running a business [12:34]
- Knowing how much you desire to make when negotiating a salary [15:54]
- Understanding that your worth is not tied to how much money you make [20:18]
- The importance of having people in your circle with similar desires and goals who are making money [25:53]
- How your mindset affects your ability to manage and earn money [27:47]
- How Chelsea reframed her mindset around debt [31:45]
- The results Chelsea is most proud of since working with me [35:15]
- How worthiness plays a role in your finances [37:00]
Tune in to this episode to learn about how mindset shifts and self-worth related to how you approach your finances.
Get full show notes and the episode transcript: https://wealthovernow.com/how-chelsea-changed-her-money-mindset-and-embraced-her-value
Links mentioned in this episode…
Kim’s podcast episode on salary negotiation
Connect with Chelsea:
Chelsea’s Instagram
Chelsea’s website
When I started working with Tavianna, she was living paycheck to paycheck…even though she was making plenty of money. The issue wasn’t necessarily her income—though she does have bigger income goals now—it was the fact that she wasn’t paying attention to where her money was going.
Through working with me in my five month coaching partnership, Tavianna learned how to implement spending goals, why it’s important to give specific purposes to each dollar she earns, and how to be prepared when unexpected expenses pop up. She discovered how to communicate clearly with her partner about finances, ditch the installment plan lifestyle, and manage her finances in a way that moved her intentionally forward, instead of falling back into old habits.
This money knowledge and confidence has helped her to build up how much money is in her accounts, to choose consciously where she spends her money, and to think strategically about how and when she gives money to others. These changes to her mindset and conversations around money allowed her to focus more clearly on her financial goals and dreams.
In this episode, you’ll learn…
- The shifts in money conversation with her husband that most surprised Tavianna [03:15]
- Tavianna’s big “aha” moment with spending [06:49]
- How Tavianna broke free from paying for things in installments [10:59]
- How she feels when looking at her account balance, knowing that she is prepared [14:26]
- How a PTO account can help you stay prepared when you have fluctuating hours and income [17:14]
- The results that Tavianna is most proud of after 6+ months working with me [24:53]
- How Tavianna doesn’t let money setbacks get the best of her [31:41]
- Her advice for someone looking to commit to their financial future [38:55]
Tune in to this episode to learn what it looks like to stay consistent on the money management journey.
Get full show notes and the episode transcript: https://wealthovernow.com/taviannas-growing-money-confidence
Links mentioned in this episode…
Tavianna’s First Episode on Money Files
There’s a good chance you’re in a new financial season in your life or that you have a desire to spend your time and money differently in the next three to six months. Pandemic has brought with it lots of changes to the economy and the working world that likely have you adjusting your spending.
But are you actively paying attention to and making those necessary adjustments? Do you know how your expenses have shifted? Are you aware of how upcoming commitments might impact your finances?
Your spending changes with the seasons, so your spending plan should, too. That’s why I do a quarterly money review: to evaluate my spending, celebrate my results, adjust my money goals, and create a new spending plan that accurately reflects my current wants and needs.
Today’s episode is a replay of my process for doing your own quarterly number review. I’m sharing how you can adjust your spending plan in real time to better reflect your current needs and goals. Plus, I’m explaining why it’s so important to think about upcoming expenses when creating your spending plan and savings goals.
In this episode, you’ll learn...
- Why you should do a quarterly review of your numbers and pay attention to how expenses have shifted as well as any new goals you have [01:15]
- How to figure out where and how to rearrange your budget [06:44]
- Questions to ask yourself as you do quarterly planning [11:03]
- Why your budget should be a fluid document, not a static set of rules [17:56]
- Why you should do an in-depth review of your personal finances every quarter [20:03]
- How your quarterly numbers review is about evaluating and adjusting [21:13]
- How to align your spending plan with your values and goals [22:42]
- How to celebrate your tangible and intangible results along the way [23:25]
- How to refresh and evaluate your goals moving forward [24:50]
- How to adjust your spending plan based on what’s happening in your life [28:03]
- How to use a “roleplay budget” to account for upcoming life changes [30:41]
- How to adjust your spending plan every quarter [33:52]
- How to customize your quarterly number review to fit your needs [36:14]
Tune in to this episode to learn how to do your own quarterly number review and get even closer to your money goals.
Get full show notes and the episode transcript: https://wealthovernow.com/an-update-to-review-your-personal-finances-for-quarter-two/
Links mentioned in this episode…
Listen to Episode 13 with Kim Tran all about salary negotiation
If you feel overwhelmed by money, if you feel like you’ve tried budgeting before and it didn’t work, or if you just don’t pay attention to your money beyond knowing when your bills are due … then you’ll want to tune in to this episode. You do not have to be overwhelmed by negative feelings and limiting beliefs towards money.
I want you to understand that you can experience ease with your finances and that money can bring you joy. I want you to be confident in your choices and your financial decisions.
Today, I’m sharing the simple five step process that I use with clients to help them achieve money clarity and embrace a positive mindset toward their money. Take notes because these are the only five steps you need to bring consistency, growth, and a new mindset for the way you approach money.
In this episode, you’ll learn...
- Why people generally feel stuck when they seek money help, and how you can shift your mindset to alleviate overwhelm and anxiety [02:53]
- How the five step process helps you create a spending plan that is doable and individualized [05:17]
- The importance of knowing your why—the reason you want to take charge of your finances [07:42]
- Identifying and knowing your values and goals, whether you’re single or in a relationship [10:38]
- Looking at your numbers and getting specific about where you want your money to go [13:30]
- How evaluating your numbers is about paying attention to your goals and your feelings, and why you should start with positive evaluation first [17:08]
- Why you need to regularly adjust your plan to reflect your goals and current needs [21:53]
Tune in to this episode to learn the simple five step process that will bring you money clarity and ease.
Get full show notes and the episode transcript: https://wealthovernow.com/my-five-step-process-for-creating-clarity-around-your-money
Links mentioned in this episode…
My podcast episode on financial visioning
When I first started working with Lynae, she was living in a credit card debt cycle, with no savings or emergency fund. She was full of fear and shame and guilt around money and how to manage it. This is a common initial profile of many of my clients. Lynae also knew that she had to start somewhere.
In two short years, she has been able to build her savings, go down to part-time at her job, and start her own business, which she plans to transition to full-time next year. And this is only the beginning of her dreams and goals for herself.
Today, Lynae and I are chatting about what it has been like for her to continue her money dates, budgeting, and financial visionsing beyond working with me. She shares how she was able to be prepared financially for her career transition, how evaluating and adjusting her numbers allows her to stay in sync with her goals, and what keeps her going on her money journey.
Lynae’s mindset at the beginning of working with me was like so many people’s: afraid of where to start and unsure of how to dig out of past money mistakes. Once she opened herself up to creating her dream budget and regularly checking in with her money, she was able to begin building the financial stability, for herself and her loved ones, that she has always desired.
In this episode, you’ll learn...
- About Lynae’s relationship with money before working with me [01:47]
- The unexpected results that Lynae has gotten from taking control of her money [03:09]
- How her budget is a living thing that adjusts with her goals and vision [05:12]
- How Lynae prepared financially for her career transition [07:43]
- How building up an emergency savings helped alleviate money stress [09:59]
- The importance of understanding your numbers and where your money is going [13:00]
- What it has been like evaluating and adjusting her numbers [16:43]
- How your financial security can have a generational impact [17:38]
- Why Lynae was initially resistant to creating her dream budget [23:22]
- Why you should challenge yourself to think about money as good instead of evil [25:44]
- Lynae’s thoughts on managing money during the ups and downs of the pandemic and how her money dates have helped with impulsive spending [29:06]
- Some of Lynae’s favorite questions to ask herself on a money date [30:30]
- What keeps her going on her money journey [31:59]
Tune in to this episode to learn what it looks like to keep up the money management momentum.
Get full show notes and the episode transcript: https://wealthovernow.com/how-lynae-went-from-money-confused-to-embracing-money-confidence-in-two-years
Links mentioned in this episode…
Lynae’s First Episode on Money Files
Putting financial systems in place for where you desire to be long term should be a priority whether you’re a seasoned entrepreneur or just starting out with your business. Fluctuating income can bring with it a feast or famine cycle, but I promise you can break free from that.
I want you to be able to create consistency with your cash flow so that you can have predictability in your income and achieve all of your goals and desires.
Today, I’m walking you through the process of knowing your numbers, creating a business spending plan, and nailing down your expenses and your paycheck. I’m also talking about the importance of keeping your personal and business finances separate and making sure that you regularly evaluate and adjust your numbers as your business grows.
In this episode, you’ll learn...
- The feast or famine cycle that comes with inconsistent income [01:51]
- How to shift how you think about money in your business [03:55]
- Why you need to treat your business as an entity that can support itself [04:50]
- Treating your money the same way regardless of how much you bring in [06:11]
- The importance of keeping your personal and business accounts separate [07:06]
- Why you have to know your numbers when setting up systems [11:18]
- About creating a business spending plan [13:37]
- About breaking your expenses down to a monthly basis so you have a clear picture of your spending [15:51]
- Why you should keep your expenses at 30% (or lower) of your income [17:11]
- How to determine your paycheck when accounting for expenses, savings, and taxes [20:21]
- Why it’s important to regularly evaluate and adjust your numbers [22:49]
Tune in to this episode to learn how creating consistency with your money will bring you freedom and flexibility in your business.
Get full show notes and the episode transcript: https://wealthovernow.com/how-to-create-consistency-with-fluctuating-cash-flow
If you are a solo entrepreneur, you’re responsible for paying yourself. A lot of my clients pay themselves all of the money they make. They pay their bills, and their paycheck is whatever is left. There’s a lot they don’t consider. And it’s not a sustainable system.
I want you to know exactly what you need to pay yourself and where your money needs to go so you can feel more in control and create the financial security you deserve.
Today, I’m talking about how to determine what you need to pay yourself, really knowing your numbers as a business owner, and identifying what’s possible for your money in the future. The earlier in your business that you can build these systems and habits the better off your business—and you personally—will be financially. Regularly paying attention to how money flows in your business will help you fulfill your vision, whatever it may be.
In this episode, you’ll learn...
- Why you need a consistent system in place for how you pay yourself [01:19]
- How to determine what you need to pay yourself and why you need three different tiers of budgets [02:34]
- Why you need to prioritize savings and retirement funds [04:15]
- To remember to account for taxes before paying yourself from your net profits [05:42]
- The importance of understanding your current and past year’s numbers [07:20]
- How looking at your numbers quarterly helps you project revenue goals [08:56]
- How to identify what’s possible for your money [09:26]
- To consider all the different jobs of your business’s money [10:19]
- To average your past 12 months of expenses to understand where your money is going [12:37]
- How paying attention to your money and its purpose creates possibility for the future [16:46]
Tune in to this episode to learn how knowing your numbers can help you pay yourself what you need and grow your business sustainably.
Get full show notes and the episode transcript: https://wealthovernow.com/how-to-determine-your-paycheck-as-an-entrepreneur
Links mentioned in this episode…
EP 310: Unlearning Default Thoughts With Financial Coach Keina Newell | What Works with Tara McMullin
Ep 19: How to Use Financial Visioning to Achieve Your Money Goals | Money Files
It’s easy to get caught up in the numbers of your budget and feel shame around mistakes you’ve made. It tends to make people want to get everything perfect before really tackling their spending. But money management is not about perfection.
I want to encourage you to slow down, take a step back from the numbers, and identify why and how to start managing your finances more proactively by taking your money on a date.
Today, I’m talking about spending quality time with your money through money dates and how they can help you see what’s going on with your finances at the moment. If you feel overwhelmed with where to start, this is a great place to begin. Spending habits and money goals evolve, and money dates will allow you to release shame, adjust regularly, and prioritize your values.
In this episode, you’ll learn...
- Why you should slow down and take your time with the process instead of trying to do everything perfectly [00:35]
- How money dates allow you to spend quality time with your finances [02:13]
- Where money dates fall in my five step process [06:53]
- Celebrating your money wins [07:58]
- Accounting for unexpected or irregular expenses [08:54]
- Taking forward actions instead of judging past mistakes [10:42]
- Monitoring your spending habits [11:34]
- Mindfully adjusting your spending and releasing any shame [13:31]
- Staying on top of your personal and business cash flow cycles [14:25]
- Checking for hidden numbers [15:19]
Tune in to this episode to learn how money dates can help you stay on top of your spending habits and honor your money goals.
Get full show notes and the episode transcript: https://wealthovernow.com/using-money-dates-to-spend-quality-time-with-your-finances/
It’s common to hear someone say that they’re going to “prove themselves” in a new job before they ask for more money. Or that they need to “prove themselves” when starting a business before getting more clients or charging more for their services. I hear this from my clients all the time. They think they need to prove themselves to be worthy of more money.
I want you to understand you do not need to prove yourself before you make more money. Instead, you need to shift your mindset and your belief in why you desire to make more money.
Today, I’m talking about how mindset shifts, giving purpose to money, and a dream budget are the keys to making more money. I’m asking you to stop thinking that you need to prove yourself and start getting clear on your why. Why do you desire more money? I want you to truly believe that you deserve everything you want and more.
In this episode, you’ll learn...
- How “proving yourself” in a job usually translates to you overworking yourself [01:13]
- Shifting your mindset to believe that you are capable of making more money [04:49]
- Remembering the purpose of money in your life when your brain makes you think you’re being greedy [06:25]
- Seeing for yourself that you are deserving of more and how that changes your relationship to your finances [08:15]
- Looking at the big picture of your values and goals in relation to money [10:38]
- How a budget and mindset shift help you when you get off track [13:09]
- Why you should be in community with other people having conversations about money [16:26]
- Thinking about the specific ways it’s not true that you have to prove yourself to make more money [19:20]
- The five-step process I use with my clients [20:11]
Tune in to this episode to understand why thinking you need to prove yourself in order to make more money is counterproductive to your goals.
Get full show notes and the episode transcript: https://wealthovernow.com/why-its-not-about-proving-yourself-to-make-more-money/
Links mentioned in this episode…
Listen to my episode on financial visioning
Join Mimosas + Money Matters
Finances are shaped by personal experiences. The most common mindset block I unravel with my clients is their fear of making more money. They doubt their ability to earn more. They think they’re just bad with the money they already have. They let their emotions get in the way, and they let their brain stay stuck in this realm of financial pressure and uncertainty.
I want to give you the tools that will allow you to expand what you think is possible for your finances, to identify financial gaps and money blocks, and to find financial clarity.
Today, I’m walking you through my process for financial visioning. I used this approach to totally transform my finances and uplevel my money mindset—and you can, too. I’m explaining how to build and achieve your dream budget, and I’m sharing how you can create space for abundance in your life. If the thought of earning more seems impossible, financial visioning will allow you to shift your mindset, and your budget, towards expansion, possibility, and purpose.
In this episode, you’ll learn...
- What “financial visioning” means for your money goals and journey [1:56]
- How I’ve used financial visioning in my one life [3:06]
- How to identify how much money you need to make to live the life you desire [6:35]
- Why it’s vital to recognize when you’re underearning and take steps towards making more [9:23]
- How to achieve your “impossible” financial goals [11:20]
- How financial visioning helps you expand your possibilities and money mindset [13:18]
- How to create a dream budget and get started with financial visioning [16:33]
- How to make your plan for making more money [18:56]
- Why it’s important to keep your dream budget top-of-mind [19:44]
Tune in to this episode to learn my process for envisioning and achieving your dream financial future.
Get full show notes and the episode transcript: https://wealthovernow.com/how-to-use-financial-visioning-to-achieve-your-money-goals/
Links mentioned in this episode…
Listen to Brent’s episode about how he negotiated an $18k raise
Being an entrepreneur comes with a lot of ups and downs. High income months, low income months, months without clients, months with a client waitlist. The inevitable unpredictability can feel stressful. You may find yourself thinking, I’ll just keep pushing through and hopefully things will turn around. I can’t go back to a full-time job. That would mean I failed at my business. It’s a more common thought than you may realize. I have worked with clients who need the support of extra income as they build their business, but feel shame at the thought of taking a full-time job.
Today, I want you to give yourself permission to consider a full-time job as a route to help you more consistently grow your business. I want you to know there is no right or wrong way to build your business.
In today’s episode, I’m talking about why it’s okay to take a full-time job, how to set clear financial goals and a timeline for when you’re ready to go full-time with your business, and the importance of having money systems in place to keep you on the right track.
It’s easy to get caught up in shame and guilt, but I want you to put those thoughts behind you and think of how a full-time job can actually give you more freedom to grow your business.
In this episode, you’ll learn...
- Why it’s okay if you need to take/return to a full-time job while building your business [1:48]
- How to think in terms of the current season of your life while still keeping your business a number one priority [06:37]
- How to be honest and set clear boundaries with a potential employer when it comes to your business [07:55]
- Setting clear financial goals and a timeline for when you can go all-in with your business [9:21]
- How taking on a full-time role can free up space and time to focus on bringing money into your business without the stress and pressure of having to make a certain amount of money from your business [10:37]
- Why it’s important to be confident in your business and money systems before leaving a full-time role [12:44]
- Thinking of the positive that can come from having a full-time role while building your business instead of focusing on shame or guilt [14:36]
- Questions to ask yourself about how to rebuild, how much income you desire, and timeframe for leaving a full-time role [19:49]
Tune in to this episode to learn why it’s okay to return to a full-time job while growing your business and ways to shift your own narrative about how you desire to financially build your business.
Get full show notes and the episode transcript: https://wealthovernow.com/giving-yourself-permission-to-grow-your-business-and-take-on-a-full-time-job
Links mentioned in this episode…
N/A
My clients always tell me when they come into extra money—whether it’s income from a freelance job or a birthday gift or a tax refund. And then they tell me how they spent it. Oftentimes, they overspend without even realizing it. A $1,000 bonus from work can turn into $1,500 in spending if you’re not paying attention.
Extra money can show up in our lives in many ways. The important thing is having a plan in place for how to spend that money.
Today, I’m sharing how to avoid overworking your dollars when you have extra money. You’ll understand the mindset shifts you need to make as well as questions to ask yourself about your priorities. It all comes down to reshaping how you think about extra money and practicing intention around spending it.
In this episode, you’ll learn...
- An example of how my client spent some extra money she received and how she wasn’t fully accounting for every dollar when spending [03:06]
- What “overworked dollars” means and how you end up accidentally overspending [03:55]
- How to shift the way you think about extra money [06:41]
- How to identify if it really is extra money or if that money is already committed [07:31]
- How to be conscious and intentional with extra income (hint: write everything down) [08:20]
- Considering your savings and debt when you have extra money [09:12]
- The importance of planning ahead [10:13]
- How to practice pressing pause by transferring extra money to a different account before spending it [11:22]
- Why paying attention to gross income vs. net income will keep you from overspending [12:49]
Tune in to this episode to learn how to reshape your thoughts about extra money and how to implement tools to help you stay on track.
Get full show notes and the episode transcript: https://wealthovernow.com/reshaping-how-you-think-about-and-plan-for-extra-income/
When most people think about budgeting, they think about saying “no” to the things that bring them joy: their daily Starbucks run, getting their nails done, brunch with friends. But when you restrict your spending at the expense of your happiness, you set yourself up for an unhealthy relationship with money. That’s why I teach budgeting without restrictions.
Today, I’m walking you through my five-step process for budgeting without restrictions and creating a healthy, happy relationship with your money. I’m sharing how we’ll use this process to create a spending plan that aligns with your desires, and I’m also sharing some of the incredible results my clients have achieved in just a few months of working with me.
In this episode, you’ll learn...
- How transforming your relationship with money goes way beyond budgeting [1:36]
- The four most common thought errors my clients struggle with and how to recognize them in your own mindset [6:45]
- How your financial life affects your mental health and self confidence [9:25]
- Why your current system for improving your finances isn’t working [11:08]
- How to use my five-step process to transform your relationship with money [14:27]
- Why it’s important to ask yourself simple questions about your money and your desires [20:38]
- How an aligned spending plan is key to releasing yourself from money guilt and stress [21:36]
- Why budgeting isn’t about math, but instead about your wants and needs [23:55]
- Why it’s important to spend quality time looking at your numbers and making adjustments [37:13]
- How we’ll reframe the thoughts you have about money and build your money confidence [38:35]
- Why this five-step process works for everyone, even those who don’t have a traditional job or paycheck schedule [40:38]
- How this five-step process can help couples learn to manage and talk about money together [45:37]
- How to know when it’s time to start improving your financial situation [48:27]
Tune in to this episode to learn my five-step process for budgeting without restriction and transforming your relationship with money.
Get full show notes and the episode transcript: https://wealthovernow.com/how-to-budget-without-restriction-transform-your-relationship-with-money/
Links mentioned in this episode…
Listen to Brent’s episode about how he negotiated an $18k raise
Listen to Damon’s episode about breaking the paycheck-to-paycheck cycle
Listen to Karen’s episode about rebuilding her financial foundation
Listen to Jackie’s episode about setting and reaching financial goals
Listen to Taviana’s episode about her 30-day money transformation
For those experiencing ADHD, impulses and overwhelm—especially around money—can be heightened. But it doesn’t have to be that way!
Today, I am talking to Martha Hoffman, founder of Grounded Learning, about her experience with ADHD and money management. Martha was diagnosed with ADHD in the seventh grade, which comes with its own set of challenges. But Martha hasn’t let that stop her from exploring and implementing money systems that support her needs.
Prior to working with me, Martha’s experience with money could best be described as random. But now, she has tools and tricks that help her know how to stay on track and when to pivot. She prioritizes what is most important in her life. Her money management works for her, not against her.
ADHD can feel like an uphill battle, with money decisions often left up to chance or mood. But when you have a visual system in place and consistent time to focus on your finances, you can create a plan that works for you, just like Martha. And the benefits are lifelong. You’ll have a clearer view of your overall financial picture. You’ll focus more on your future self. You’ll eliminate fears and doubts and be able to trust yourself around money, and it can be transformative!
In this episode, you’ll learn...
- How Martha’s ADHD presents itself in her daily life [4:16]
- The importance of knowing yourself and your experience and how it can affect your daily life (for example, how you handle your money) [6:36]
- Why going inward to understand your unique needs and honoring what you’re capable of in the moment can help you be your best self throughout the day (instead of beating yourself up about your perceived struggles) [9:47]
- Ideas for a process to get you started on identifying your personal flow and what works best for you [11:19]
- Understanding that a disability is something that you experience and work with, not something that you need to fix [16:13]
- How a mindset shift can make a world of difference [17:18]
- How the impulsivity of Martha’s ADHD contributed to her haphazard relationship with money [19:16]
- How having a budget has helped Martha to plan better for future Martha [23:44]
- Keina’s approach to helping people make a money plan that serves them and their unique needs (from budgeting for a daily coffee or lunch with coworkers to prioritizing vacation or student loan debt) [32:43]
- The importance of checks and balances in your budgeting [33:18]
- How money dates can help you stay on top of your finances [37:41]
If you’re ready to give yourself grace with your ADHD experiences and make your money management flow seamlessly, tune in for this week’s episode. Get full show notes and the episode transcript: https://wealthovernow.com/how-martha-manages-her-money-and-adhd
Join me for my FREE masterclass where you’ll learn how to budget without restriction on March 31st at 12pm EST. Register here!
Links mentioned in this episode…
Martha’s previous Money Files episode
www.wealthovernow.com/masterclass
https://groundedlearningdc.com/
Your spending changes with the seasons, so your spending plan should too. That’s why I do a quarterly money review: to evaluate my spending, celebrate my results, adjust my money goals, and create a new spending plan that accurately reflects my current wants and needs.
In this episode, I’m sharing my process for doing your own quarterly number review. I’m sharing how you can adjust your spending plan in real time to better reflect your current needs and goals. Plus, I’m explaining why it’s so important to think about upcoming expenses when creating your spending plan and savings goals.
In this episode, you’ll learn...
- Why your budget should be a fluid document, not a static set of rules [2:05]
- Why you should do an in-depth review of your personal finances every quarter [4:20]
- How to do my quarterly number review [5:04]
- How to align your spending plan with your values and goals [6:36]
- How to celebrate your tangible and intangible results along the way [7:36]
- How to refresh and evaluate your goals moving forward [9:05]
- How to adjust your spending plan based on what’s happening in your life [12:20]
- How to use a “roleplay budget” to account for upcoming life changes [15:01]
- How to adjust your spending plan every quarter [17:47]
- How to customize your quarterly number review to fit your needs [20:24]
Tune in to this episode to learn how to do your own quarterly number review and get even closer to your money goals.
Get full show notes and the episode transcript: https://wealthovernow.com/a-quarterly-number-review-for-your-personal-finances
Be sure to sign up for my masterclass, How to Budget Without Restriction, on March 31 at 12pm EST: https://wealthovernow.com/masterclass
Links mentioned in this episode…
Listen to Episode 13 with Kim Tran all about salary negotiation
When was the last time you negotiated for something you wanted?
According to Kim Tran, owner of Your Work Inspires, many women avoid negotiation–both in their careers and in everyday life. But Kim believes that we shouldn’t be afraid to negotiate for what we desire, nor should we view negotiation as confrontation. Instead, she wants to help women have tough conversations with confidence and finally get the pay they deserve.
In this episode, Kim and I are chatting about how we as women can take control of our finances, careers, and lives. Kim is sharing her advice for negotiating your salary, and she’s explaining how our everyday actions can help us overcome the gender pay gap. Plus, we’re talking about staying open to new career opportunities.
In this episode, you’ll learn...
- Why we (women especially) should use more powerful language when going after what we want [1:21]
- What “negotiation” truly means and how to practice it more powerfully in your everyday life [3:48]
- How women have been conditioned to accept less than what we deserve and avoid negotiation [7:39]
- How to approach the salary negotiation process with a potential employer [11:04]
- How to get clear on your values and negotiate for those in your career [16:24]
- Why society undervalues and underpays women, especially in the nonprofit and education industries[19:48]
- How we can unintentionally perpetuate the gender pay gap because of our own insecurities [22:57]
- Why Kim believes you should “always be interviewing” and stay open to better job opportunities [27:08]
- How to create space in your life for money conversations and how those conversations can lead to making more money [31:02]
- Why your degree and experience don’t have to limit your job prospects [32:28]
- How to identify your transferable skills and strengths [38:43]
- Why you should negotiate in all areas of your life, not just with your employer [41:28]
- How Kim helps others market themselves to employers and find the company that’s the best fit for them [44:20]
If you’re ready to shift out of a scarcity mindset and into one of abundance, tune in for this week’s episode.
Get full show notes and the episode transcript: https://wealthovernow.com/negotiating-for-the-salary-you-desire-deserve-with-kim-tran/
Links mentioned in this episode…
Your Work Inspires
Connect with Kim on Instagram
Learn more about StrengthsFinder 2.0
“I’ll invest in myself when I’m making more money.”
It’s all too common that my clients come to me after months of hesitation. They convince themselves that the investment won’t be worth it, that investing in themselves is a luxury they can’t afford. But as my client Layra learned, investing in yourself is a form of self-care, and cultivating financial confidence is a key step in seeing and feeling your self-worth.
In this episode, Layra and I are chatting about her journey to valuing herself and her business. She’s explaining why she finally invested in coaching and how she overcame the mindset blocks that were keeping her stuck. We’re also talking about investing in yourself as a form of self-care and a crucial step in increasing your income.
In this episode, you’ll learn...
- How Layra admitted to herself that she needed support and finally reached out for help [1:31]
- Why investing in yourself is an act of self-love and self-care [3:19]
- How to make spending decisions based on the results you want in your life and business [10:46]
- How to cultivate self-trust when making financial decisions and investments [15:56]
- The mindset blocks that prevent you from growing your businesses and how to shift your thinking [17:35]
- How financial confidence leads helps you see and feel your self-worth [19:38]
- How to manage your money and set your prices like the high-powered business owner you are [27:02]
- How Layra increased her business revenue by over 400% since we started working together [30:01]
- How our thoughts allow us to create and attract money [31:59]
- How money affects all areas of our lives, including how we see ourselves [40:42]
If you’re ready to gain confidence in your finances and truly feel your self-worth, tune in for this week’s episode.
Get full show notes and the episode transcript: https://wealthovernow.com/how-layra-invested-in-herself-increased-her-income/
Links mentioned in this episode…
https://www.instagram.com/layramarz/
https://layramarz.com/
Do you manage your money proactively or reactively?
When someone tells me that budgeting “doesn’t work” for them, it’s usually because they’re doing it reactively. They create a budget, go about their life, and then come back to their budget a month later to “check-in.”. Instead, you should be managing your finances proactively, which means you will make decisions based on what you said you wanted to do, what’s actually happened, and what might shift in the days or weeks ahead based on what you know to be financially true.
In this episode, I’m sharing how to shift from a reactive to a proactive approach to managing your money. I’m explaining how to schedule regular “money dates'' to look over your accounts and make adjustments in your spending. Plus, I’m sharing how this style of money management can establish financial trust, awareness, and peace of mind.
In this episode, you’ll learn...
- How one of my clients is learning to manage her finances proactively [0:50]
- How I guide my clients out of money situations that feel overwhelming [2:03]
- How to get back on track when you stray from your plan [5:37]
- Why reactively managing your money doesn’t work and how to shift to a proactive mindset [7:08]
- Why “money dates” are the key to managing your finances proactively [9:36]
- How to schedule money dates and actually stick to them [11:41]
- How managing your budget week to week allows you to make real-time adjustments [15:40]
- How to manage your business finances proactively [17:26]
- How proactively managing your finances helps you gain financial trust, awareness, and peace of mind [19:52]
- How to plan your first money date (plus a freebie to help you get started!) [23:02]
If you’re ready to manage your money proactively, tune in for this week’s episode.
Get full show notes and the episode transcript: https://wealthovernow.com/the-1-reason-people-struggle-with-budgeting/
Links mentioned in this episode…
Join the Wealth Over Now Facebook Community
Money Date Guide
“I make good money. Why am I still living paycheck-to-paycheck?”
By the time Damon and I started working together, we’d been friends for years, and I was familiar with his paycheck-to-paycheck lifestyle. When he invested in my coaching, he was convinced he’d never reach the level of financial freedom and security he saw in his friends’ lives. But with some budgeting practice and a major mindset shift, Damon learned to save for his future and work towards his financial goals.
In this episode, Damon and I are chatting about his financial journey so far: where he started, what it was like working with me, and how he feels about his money management skills now. Damon’s sharing the mindset shift that allowed him to escape the paycheck-to-paycheck cycle and create his own financial security.
In this episode, you’ll learn...
- Why I encourage people to talk about money with their friends [1:10]
- Where Damon picked up his money habits and how they’ve affected his money journey [4:49]
- How Damon used budgeting go get out of the paycheck-to-paycheck cycle [9:09]
- Why it’s important to look beyond the next paycheck and plan for your financial future [12:35]
- How to shift your view of your financial self and improve your money mindset [17:06]
- How financial security and intentionality has brought Damon freedom and peace of mind [24:14]
- How Damon went from totally unprepared for an emergency to financially secure [28:48]
- How your budgeting system can adapt to financial changes in your life [33:24]
- Why Damon recommends financial coaching to anyone struggling with money management [39:10]
If you’re ready to break the cycle of scarcity and create your own financial security, tune in for this week’s episode.
Get full show notes and the episode transcript: https://wealthovernow.com/the-mindset-shift-that-got-damon-out-of-the-paycheck-to-paycheck-cycle
Did you know you can choose your thoughts about money?
You’ve learned a lot about money in your lifetime, and it’s impacted the way you think about spending money, earning money, and investing in yourself. One of the things entrepreneurship has taught me is that I can choose to change my thoughts about money. The money lessons I learned growing up, whether intentional or unintentional, are not the money thoughts I continue to use in my life.
In this episode, I’m sharing four money thoughts I’ve adopted and now freely share with my clients. I’m explaining how creating your own intentional thoughts about money will allow you to ditch the guilt of paying to get your house cleaned, raising your prices, or investing in personal development. Shifting your mindset can make it easier to make, manage, and use your money in a way that feels intentional.
In this episode, you’ll learn...
- How you can choose your thoughts about money and change your mindset for the better [2:51]
- How my thoughts about money have changed how I move and act in the world [3:50]
- Why you should see your money as a tool [4:01]
- How my feelings about money allow me to invest heavily in myself [4:21]
- Why you should put yourself first when it comes to your financial priorities [9:16]
- How money has helped me do good in the world [10:59]
- How your money mindset might be the reason you’re underearning [14:33]
- Why money is simple and managing it doesn’t have to be hard [15:03]
- How I accepted that money comes to me easily [17:03]
- How to overcome mindset blocks and make the decision to invest in yourself [20:46]
If you’re ready to choose your thoughts about money, tune in for this week’s episode.
Get full show notes and the episode transcript: https://wealthovernow.com/how-to-choose-your-thoughts-about-money/
Links mentioned in this episode…
Join the Wealth Over Now Facebook Community
“I know what I want, but I don’t know how to get there.”
When I first met Jackie, this was her story. She had dreams of investing in real estate and saving for her family’s future, but her scarcity mindset and emotional spending habits kept her from making progress on her goals. But through our work together as her financial coach, Jackie has paid off $10k in debt, negotiated a raise, and fully adopted an abundance mindset.
In this episode, Jackie and I are chatting about how far she’s come in the year and a half since we started working together through financial coaching. She’s opening up about where she was two years ago, both financially and emotionally. We’re talking about how she broke her cycle of emotional spending and learned to save for her long-term goals.
In this episode, you’ll learn...
- Where Jackie was financially and emotionally before we started financial coaching [1:58]
- How Jackie adopted an abundance mindset and learned to spend according to her values [3:28]
- How to bring yourself back to earth when you’re caught up in emotional spending [8:32]
- How an emergency fund gives you financial confidence and security [10:44]
- Why putting purchases on your credit card isn’t necessarily a bad thing [13:52]
- How to start saving for potentially large bills ahead of time [17:07]
- Why coaching is worth the initial investment for the long term benefits [18:44]
- How your spending and saving plan can help you live in alignment with your values [25:26]
- Why your income doesn’t have to determine your financial situation [27:12]
- The non-monetary benefits of coaching [33:05]
- How Jackie has redefined herself financially following her divorce [38:40]
- Why defining your values should be the first step on your financial journey [41:10]
If you’re ready to shift out of a scarcity mindset and into one of abundance, tune in for this week’s episode.
Get full show notes and the episode transcript: https://wealthovernow.com/how-jackie-turned-her-dreams-into-actions-with-a-financial-coach
Links mentioned in this episode…
Join the Wealth Over Now Facebook Community
The road to financial confidence isn’t always linear. Just like with any other transformation, there are bound to be obstacles. But even if you go a little crazy at Target one week, don’t panic! These hiccups don’t need to erase your hard-earned progress or derail your thoughts about your financial progress
In this episode, I’m talking about financial failure: the inevitable bumps in your road to a healthy relationship with money. I’m sharing my advice for dealing with financial ruts, how to stick to your goals, and the importance of celebrating your progress.
In this episode, you’ll learn...
- What it feels like to face a rut in your financial journey [0:35]
- How to process financial failure without letting it derail your progress [2:48]
- How to envision the financial future you want for yourself [7:13]
- How your emotions about money impact your spending and saving habits [8:33]
- Why celebration is a vital part of your financial journey [9:35]
- Simple steps for getting yourself out of a rut [12:07]
If you’re stuck in a financial rut or questioning how you’ll manage when you inevitably get off track, tune in for this week’s episode.
Get full show notes and the episode transcript: https://wealthovernow.com/moving-forward-after-a-financial-failure
“I’m making more money than ever, but I still feel broke…”
Sound familiar? Many new clients come to me after receiving a raise or promotion yet still living paycheck-to-paycheck. That was the case for Tavianna, who came to me after a massive raise but still unsure of where all her money was going. Tavianna is going to give you a peek into what it’s like working with me in a five-month coaching partnership. She’s already achieved so much in the two months we’ve been together so far!
In this episode, Tavianna and I are chatting about her experience in the first month of working with me. She’s opening up about the mindset blocks that nearly prevented her from asking for help and what inspired her to make the leap. Tavianna is proof that it doesn’t take five months to change your relationship with money. In less than 90 days, she’s already started spending and saving her money with intention.
In this episode, you’ll learn...
- What inspired Tavianna to reach out and take the first step to transform her money story [2:40]
- How spending out of alignment with your values leads to financial instability [4:37]
- How Tavianna pushed past her mindset blocks and invested in coaching [6:15]
- Why financial confidence is vital in making progress on your money journey [10:22]
- What improvements Tavianna made to her financial systems in our first 30 days together [15:14]
- How value-based budgeting allows you to spend in alignment with what matters most to you [22:12]
- How to use your extra paycheck if you’re on a 26-paycheck cycle [24:16]
- How to navigate money conversations with your partner [27:44]
- How your financial health creates a “domino effect” in the other areas of your life [31:25]
- How Tavianna learned to trust the process and take her time allocating her funds [39:14]
If you’re ready to gain clarity and improve your own financial future, tune in for this week’s episode.
Get full show notes and the episode transcript: https://wealthovernow.com/taviannas-30-day-money-transformation
Links mentioned in this episode…
Listen to Brent’s episode from Season 1
Listen to Season 2 Episode 1 on financial self trust
Have you ever said “no” to an amazing opportunity because you were worried about the money? I have, and I know plenty of clients who have, too. Instead of seizing the opportunity, they closed the door, promising themselves they’d get around to it when they had more money. But financial confidence doesn’t necessarily come from having tons of money. It comes from understanding and managing the money you have.
In this episode, I’m breaking down the basics of creating your own financial plan: what you need to know, what it needs to include, and how to use it. I’m sharing my own journey with budgeting and the doors it’s opened for me. Plus, I’m explaining how to create a budget that makes you feel confident, not restricted.
In this episode, you’ll learn...
- Why I love budgeting and the confidence it brings me [0:56]
- How I got started with budgeting, and how my system has evolved [2:20]
- How budgeting allows you to make aligned choices in your life and business [6:43]
- How to create a personal financial plan and gain clarity around your numbers [9:47]
- Why your financial plan should include a zero-based budget (and how to make one) [12:58]
- How to budget for the unexpected and save money over time [14:55]
- How understanding your numbers allows you to say “yes” to more opportunities [17:50]
If you’re ready to set and reach your long-term financial goals, tune in for this week’s episode.
Get full show notes and the episode transcript: https://wealthovernow.com/how-to-budget-for-clarity-confidence
Links mentioned in this episode…
Get my free personal spending plan
Get my free spending plan for business owners
Season 2 Episode 3 on Values-Based Budgeting
Season 2 Episode 4 on Setting Financial Goals
Part of reaching your financial goals is creating a game plan for reaching them. While a long-term goal–like becoming debt-free or maxing out your retirement–might seem daunting, when you break it into smaller milestones, it feels more attainable and gives you something to celebrate along the way.
In this episode, I’m sharing my process for setting and reaching long- and short-term financial goals. I’m walking you through an exercise for determining your long-term financial vision and backwards-mapping your journey from there. Plus, we’ll discuss the importance of celebrating all the milestones you’ll reach as you go.
In this episode, you’ll learn...
- How a financial transformation starts with mindset work [1:06]
- How setting milestones can help you reach your long-term goals [4:55]
- How to get clear on your financial goals and the life you want to create [7:13]
- How to backwards-map your financial journey starting with your end goal [8:43]
- Why it’s important to set and celebrate milestones on the way to bigger goals [15:39]
- How to create a financial plan that gets you closer to these goals [16:42]
- How to analyze your current goals to make sure they’re aligned with your long-term vision [17:55]
If you’re ready to set and reach your long-term financial goals, tune in for this week’s episode.
Get full show notes and the episode transcript: https://wealthovernow.com/setting-reaching-exceeding-your-financial-goals/
Oh, budgeting. It’s so important to financial stability, but so many people avoid it. And why wouldn’t you? We’ve been taught that budgeting is all about restricting spending, saving every penny, and avoiding “unnecessary” fun. But today, I’m inviting you to forget everything you think you know about budgeting and try this freeing, empowering approach.
In this episode, I’m teaching you how to get started with values-based budgeting, a system for determining what you value in life and managing your money accordingly. I’m sharing why this approach is so much more effective than traditional budgeting, and I’m guiding you through the steps for getting started.
In this episode, you’ll learn...
- Why so many people struggle with budgeting that feels restrictive [0:55]
- How to define what’s most important to you and start values-based budgeting [2:32]
- How to start funding the things you value with the money you already have [6:04]
- How to adjust your current spending habits to more align with your goals [8:26]
- Why you should focus on what you can do with your money, not what you can’t do [10:01]
- Why you might be making unaligned money decisions and how to adjust your mindset [12:05]
If you’re ready to get started with values-based budgeting, tune in for this week’s episode.
Get full show notes and the episode transcript: https://wealthovernow.com/rethink-your-numbers-with-values-based-budgeting
Season Two of Money Files is all about practical, actionable tips for managing your money and thinking positively about money. So today, I’m walking you through one of my favorite client exercises for building financial awareness and creating a foundation for a positive money mindset.
In this episode, I’m teaching you how to conduct your own “money cleanse.” Before you can improve your money mindset, you have to become aware of where your mindset is now–how you think about money, how money makes you feel, and where those feelings come from. With that awareness, you’ll finally be able to start shifting your mindset and believing you can manage your money well.
In this episode, you’ll learn...
- Why money mindset is the foundation for managing your money well [0:49]
- Why it’s important to check in with your money mindset [2:36]
- How to use a “money cleanse” to address your money mindset blocks [3:30]
- How to conduct your own money cleanse [6:33]
- How to Identify trends in your money mindset blocks [7:39]
- Why it is important to practice gratitude so you can shift your mindset [11:31]
If you’re ready to release your negative thoughts and feelings about money and finally improve your money mindset, join me for this exercise.
Get full show notes and the episode transcript: https://wealthovernow.com/how-to-clean-up-your-money-mindset
Welcome to Season Two of Money Files podcast! Today, I’m relaunching my podcast with a solo episode. After a year of recording client conversations, I now want to share more practical tips and become your go-to resource for improving your relationship with money.
In this episode, I dive into financial self-trust. When I work with clients, I notice they lack this foundational piece. Some of my clients even come to me believing they are inherently flawed, that they are destined to struggle with money for the rest of their lives. If you’re ready to start cultivating financial self-trust in your own life and break the negative thought cycles you have around money, this episode is the place to start.
In this episode, you’ll learn...
- How the emotional side of money plays into how we manage it [2:50]
- The foundations of financial self-trust and how it can help you make smart, intentional decisions [4:51]
- The common thought patterns many women and solopreneurs fall into when it comes to their relationship with money [6:30]
- The real reason you’re feeling stuck and lacking financial self-trust [8:15]
- How your thoughts about money contribute to underearning [9:24]
- How financial self-trust helps you reach and exceed your financial goals [10:19]
- My three steps to cultivating financial self-trust [14:20]
If you’re ready to start cultivating financial self-trust in your own life and break the negative thought cycles you have around money, this episode is the place to start.
Get full show notes and the episode transcript: https://wealthovernow.com/how-to-cultivate-financial-self-trust
Is money (or lack thereof) keeping you from fully enjoying your life? Are the stories you tell yourself preventing you from improving your money mindset and having a better relationship with your finances? Keina Newell of Wealth Over Now is a financial coach devoted to helping professional women and solopreneurs get out of financial overwhelm and shame so they can experience more flexibility and ease with their finances.
Money Files is your financial toolkit and a place to start working on your money mindset, learn new financial concepts, and hear candid conversations from my clients who have been right where you are and are on the other side. If you are ready to start your financial journey, head to www.wealthovernow.com and be sure to subscribe for new episodes each week.
I’m too old to not know what I’m doing.
Maybe you can relate and it’s why I’m excited to introduce you to my client Courteney. In the past Courteney tried workbooks, reading financial books, and even worked with a financial advisor but nothing worked. She reached out because she wanted to explore a more hands-on approach and some personal shifts made it the perfect time.
In our conversation, she jokes that our consult was like a lowkey therapy session. But as a financial coach, I’d say this is when Courteney experienced her first transformation. If you ask Courteney (which I did!) why she decided to work with me in my five-month partnership she’ll tell you “Keina said I had to!” But what Courteney didn’t realize at the time is I could see the possibilities she would gain from working with me. Now, it’s safe to say she sees it too because she’s increased her income by $2,100 a month, built true savings, and has a concrete plan to help her make intentional financial decisions.
Tune in to this conversation to learn:
- How coaching has improved Courteney’s mental health and help her get rid of her low-level anxiety
- How financial coaching was different than reading another book, buying an app, or working with a financial advisor
- The shifts Courteney experienced that have helped her gain financial confidence
- Courteney’s decision-making process when she experiences an unexpected expense
- How Courteney increased her annual salary by $26,000 since working with me
If you feel like you could be doing more with your finances this is the perfect conversation to listen to. Courteney will debunk the myth that getting your finances in order requires sacrifice. Instead, she’ll show you how shifting her mindset has helped her achieve true results.
Apply to work with me at www.wealthovernow.com/appointment
Today I’m excited to introduce you to my client Arlete. You see when Arlete turned 40 she was expecting some magical financial fairy dust (I’m sure you’ve been looking for it too!). However, even with this milestone birthday she still felt like she should and could be doing better with her finances.
When you listen to Arlete’s story you’ll realize the language of money is universal. Arlete lives in Mozambique. Although Arlete doesn’t manage dollars and buys everything with meticais, our work was still the same. What was most true is that Arlete wanted a different relationship with her finances. We used our coaching calls to identify her financial values and goals and then made a plan for how her money could help her be both intentional and financially secure.
Here are just a few things you’ll learn when you listen in:
- How Arlete has been able to make decisions and take action with her finances because she understands her numbers on a new level.
- How Arlete stopped identifying as someone who was just chosen to live paycheck to paycheck
- How Arlete views our work together as a financial system and how that’s different than having a budget on a spreadsheet
You do not want to miss this conversation. This episode is for you if you want to stop believing the negative narrative you have about money or truly desire to see what’s possible when you have an accountability partner. I know you will find Arlete’s story to be relatable, real and true.
And if you’ve been on the fence about whether financial coaching is right for you, let Arlete’s story be an example that your life - and your finances - can change in the next month, six months, and beyond. Let’s schedule a call so you can rewrite your money story and reach your financial goals.
Visit www.wealthovernow.com to learn more.
I need to do something different.
This is the exact thought that prompted my client Jeanine to apply to work with me. For decades she's found herself in and out of the debt cycle. Each year she noticed she was paying off thousands of dollars of credit card debt from past experiences which impacted her ability to be present in the current moment and make progress on new financial goals.
In this episode of Money Files, we talk about how Jeanine no longer wanted to pay off debt and get right back into debt. This time she wanted to pay off her debt and stay out of debt. Through my five month coaching partnership, I helped Jeanine create a spending plan that allowed her to pay off her debt and account for the reasons she’d used her credit card in the past. We used her prior spending habits to start saving for things like travel, pet care, and auto maintenance on a monthly basis. This intentional shift ensured Jeanine would be able to pay off her debt but also have funds available the next time any of the expenses came up.
In this episode, you’ll learn…
- How Jeanine shifted from having $100 in her account between paydays to being a month ahead with her expenses
- How Jeanine separated her personal and business expenses
- How Jeanine used our work together to talk to her partner about money and set shared financial goals
- How Jeanine has shifted her thinking about “extra paychecks” throughout the year
- How Jeanine purchased a new car while working together and the impact it has had on her financial decisions
If you’ve ever found yourself in the debt cycle or maybe you’re there now you’ll want to tune in to this episode. In five short months, Jeanine went from just wanting a budget to being able to clearly answer her own question, “What comes after budgeting?”
I’m inviting you to be able to answer this question for yourself as well. Apply to work with me and end your debt cycle once and for all so you can discover life after learning to budget with ease.
Visit www.wealthovernow.com
Today I’m excited to introduce you to my client Sophie, the owner of Toastworthy. Sophie reached out to work with me because she was constantly anxious about her finances and felt guilty about spending money. Working with me in my five-month coaching partnership was a way for Sophie to invest in herself and close the financial education gap she felt was present in her life.
You might find Sophie’s story to be unique because through our work together we’ve been able to impact how she manages both her business and personal finances. When we first started working together her number one goal was to feel in control of her finances. She wanted to feel confident with exactly how much she could spend. And she’s achieved that financial result but she’s also continued to strengthen her financial awareness to support her growing business and personal needs.
In this episode, you’ll learn...
- How working with a coach has allowed Sophie to mentally separate her personal and business finances
- How Sophie has created trust with herself and shifted her financial anxiety as a result
- How her financial goals have helped her day to day spending habits
- How she’s learning to recognize her own financial wins and shifts in mindset
If you’ve ever been curious about what it’s like to work with a coach you’ll want to listen to this episode. Sophie shares the exact impact coaching has had on her ability to focus on the things she’s good at as a business owner while also holding space to fall in love with her numbers.
Visit www.wealthovernow.com to learn more about how you can work with me in my five-month coaching partnership.
Today I’m excited to introduce you to my client Brent. His story is a powerful example of a complete financial transformation. Before Brent and I officially started working together he joined me for Mimosas + Money Matters even though he already applied to work). I share this because I like to think his money mindset started to shift on this call but the truth is Brent had been making financial progress before working with me.
Because of the pandemic Brent had an opportunity to pay down some debt and set some long-term financial goals. The problem was he credited his success to not having the opportunity to spend and not needing to pay rent. His progress felt like luck because things were easy to pay off. Like many of my clients Brent was not able to own his financial results and he feared his progress would be undone when life returned to normal.
As a financial coach, I immediately knew Brent’s thoughts were all attached to his past money behaviors. Through working with me in my five-month partnership Brent was able to see the results he created were just a starting point by working on his own beliefs about how we handled his finances.
Tune into this conversation to learn …
- How Brent took emotions out of financial setbacks
- How Brent has learned to use his credit card without shame or guilt
- How creating a dream budget helped Brent negotiate his salary at work
- How Brent financially prepared for a big move and got the apartment of his dreams
No matter where you are in your financial journey you’ll want to tune into Brent’s story. Through our five-month partnership, I was able to support Brent in seeing how his financial progress was not a fluke and that he could trust himself as new financial seasons arise. You might find yourself needing this same support. If you’re ready to change your relationship with your finances apply to work with me. I can promise you the journey will be worth it.
Visit www.wealthovernow.com/appointment and apply to work with me.
Today I’m introducing you to my client Jackie. Last year, Jackie reached out to me for financial coaching because she wanted support navigating a series of life events (newly divorced, maxed out credit cards, and she’d just purchased a new home). These events made her feel frantic and insecure about her finances. She wanted to flesh out a plan so she would know what to do with her money.
In this episode, you’ll hear Jackie reflect on how she learned managing your finances was about so much more than a budget. Within the first few weeks of our partnership, Jackie had a budget but she was not experiencing the financial shifts she desired. She was consistently spending on food, toys for her daughter, and things for her home to drive temporary positive feelings. As a financial coach, I could see exactly how Jackie’s thoughts about her finances and her circumstances were keeping her from the results she desired most - to feel financially stable.
I’m sharing Jackie’s story today because it’s powerful. You’ll hear her tell you the ups and downs of our five-month partnership. Our financial results do not have to be linear (and oftentimes they aren’t) to be transformational. The beauty in Jackie’s story is that in the last year she’s learned to trust herself and she’s built a solid financial foundation that is now supporting a life she loves. She’s learned to love herself through the “mess” and hold on to the results she desires. She’s learned that she can trust herself and celebrate all the wins in between.
Tune into this episode to learn:
- When Jackie learned her thoughts create her results about any situation (even money)
- How Jackie has learned to make more intentional money decisions
- How Jackie has learned to depend on herself
- How Jackie reflected on purchases she has made and used these lessons to drive her financial results
- Jackie’s number one tip for anyone else in a similar situation
No matter where you are in your financial journey you’ll want to tune into Jackie’s story. Through our five-month partnership, I was able to support Jackie in seeing that money is 10% technical and 90% emotional. You might find yourself needing this same support. If you’re ready to change your thoughts about your finances apply to work with me. I can promise you the journey will be worth it.
Visit www.wealthovernow.com to learn more.
*I’m turning 30.
I need to make more money.
I want to save money.
Oh and I’m getting a dog.*
These few short sentences best describe my client Catarina who I’m featuring in my Money Files series. When Catarina and I started working together she fundamentally knew she should be saving money but her greatest financial setback was feeling like she didn’t make enough money to actually benefit from budgeting. This limiting belief kept Catarina from taking action and gave rise to financial stress.
Through my 1:1 partnership, I helped Catarina learn how to budget (regardless of her income) and find the financial balance between paying her bills, paying down debt, and saving money. Week after week we worked through aligning her income with her financial values and I helped her practice making intentional money decisions so she could create room for more of the things she loved without feeling guilty about a singular purchase or decision.
Listen to this episode to learn…
- How giving every dollar a name helped Catarina shift how she thinks about her purchases
- How Catarina learned to responsibly use her credit card
- How Catarina’s been able to plan for big bills without fear and anxiety
- How creating a dream budget helped her redefine her financial goals
If you’ve found yourself frustrated by the thought of budgeting you’ll want to tune into this episode. Catarina will share the lessons she’d learned that have helped her experience financial balance.
Visit www.wealthovernow.com to apply to work with Keina
Today I’m introducing you to my client Lourdes. When we first started working together one of her goals was to create a budget because her income fluctuated as an independent contractor and she was in the process of buying her first home. As a financial coach, I knew Lourdes would benefit from a budget (like so many of my clients) but what she needed most was to shift how she managed and thought about her finances.
When you tune into this episode you’ll learn that creating a budget is just a small portion of the work I do with clients. Through my work in my 1:1 partnership, I helped Lourdes create a budget but she also learned how to plan for the ebbs and flows in her work cycle, save for taxes, and she learned to plan ahead financially regardless of income.
Listen to this episode to learn…
- How Lourdes overcame a scarcity mindset
- How Lourdes learned how to budget despite feeling like she couldn’t be disciplined
- How Lourdes learned to manage her emotions and think about money long term
- How Lourdes grounded her progress in her financial vision for herself
If you’ve ever wondered what life looks like after working with a financial coach you’ll want to listen to Lourdes’s story. There are so many gems you can learn from her no matter where you are in your financial journey.
Visit www.wealthovernow.com to apply to work with me.
Today I’m introducing you to my client Dayna. When Dayna and I started working together she was hesitant to get started because she was “busy” and had a lot of expenses to take care of. But what was also true is that she was making more money than she’d ever made before and still stressed about her finances and how to make ends meet.
Prior to working with me, Dayna didn’t know what dates her bills were due and she avoided her mailbox for fear of owing someone else. I helped Dayna create a spending plan so she could see exactly how much she was bringing in each month, identify her bill dates, and start to decrease the level of stress she felt from trying to manage all of her expenses between paychecks.
Within a month of working together in my 1:1 partnership, Dayna and I were able to establish a routine that allowed her to start seeing how she could not only pay her bills on time but also start saving for things that would typically catch her off guard like landscaping, birthdays, and travel needs for her daughter.
Listen to this episode to learn…
- Why it’s possible for Dayna to check her mailbox without heart palpitations and fear
- How soon Dayna saw results from our partnership and when she made her investment back
- The accomplishment she’s most proud of when it comes to her finances
- When Dayna realized that making more money wasn’t the thing she needed to do in order to reach her financial goals
- How working with me for almost a year has supported Dayna in taking her financial goals beyond just desiring a budget to gaining additional opportunities to invest and hitting her next goal of $5,000 in her emergency fund
It may be true that making more money would help you save a little bit more but what’s also true is that you’re making more money than you ever had but you still find yourself stuck and unable to build momentum. If you think you need to make more money to reach your financial goals you’ll want to tune into Dayna’s story.
To learn more visit www.wealthovernow.com
In this interview I'm joined by my client April who has gone from considering bankruptcy to paying all of her bills on time and in full. If you've ever felt like you have more month than you have money you'll want to tune in to her story.
My sincere hope is that you've been inspired as you've listened to every bonus episode.
Grab my free Money Journal (bit.ly/wonclientseries) to start transforming your relationship with money.
Apply to work with me at www.wealthovernow.com
Business and personal finances are so intertwined. Today, I’m chatting with my client Alex. In the last few months, Alex has hit his highest revenue in his business, stopped robbing Peter to pay Paul, and started to pay himself consistently.
Tune in now to hear how working with a financial coach supported him with his business and personal finances.
Grab my free Money Journal (bit.ly/wonclientseries) to start transforming your relationship with money.
Apply to work with me at www.wealthovernow.com
I’m not ready just yet, the last words I heard from Dayna after our consultation last December. BUT I have the opportunity to chat with her because she reached back out in March to do 1:1 coaching and that’s how she’s been hitting her goals ever since.
Maybe you’ve considered wanting to work with me to start making changes with your finances but you’ve told yourself not yet. If this is you, you’ll want to hear from Dayna. She was even skeptical when I told her she’d make her money back!
Dayna will share why she finally felt ready to work with me and how that decision helped her go from being dependent on her annual bonus to make ends meet between paychecks to saving over $3,000, paying her bills on time and in full each month for the last 8 months, and putting all of her major bills on autopay with no worries.
Grab my free Money Journal (bit.ly/wonclientseries) to start transforming your relationship with money.
Apply to work with me at www.wealthovernow.com
If you’ve ever tried other financial programs or apps (like Dave Ramsey, Mint, Keep The Change, etc.) but haven’t found lasting financial success then you’ll want to tune in for the second Where Are They Now? series interview.
This is the second live interview with my client Andraéa, who worked with me and finally found a way to solve the cycle of spending her savings and paying off the same debt year after year even after she'd tried following other "expert" advice.
Andraéa will share how she felt like she was never able to consider her financial future because she was always trying to meet other people's needs. Now, less than a year after working together in my 1:1 partnership, she’s shifted her own financial vision that’s allowed her to make more income in her business and manage her personal finances so that she’s more intentional.
Grab my free Money Journal (bit.ly/wonclientseries) to start transforming your relationship with money.
Apply to work with me at www.wealthovernow.com
In this conversation, I'm joined by my client Maggie who is celebrating her one-year anniversary of working with me.
In less than a year, she’s paid off over five-figures of credit card debt, built and sustained an emergency fund, and set new financial goals so can refocus the money she was using to pay off debt.
Maggie will tell you in college she got a credit card for a free t-shirt and that was the start of rotating forms of debt. For years, Maggie tried to pay off her debt but nothing seemed to work until we worked together last year.
Grab my free Money Journal (bit.ly/wonclientseries) to start transforming your relationship with money.
Apply to work with me at www.wealthovernow.com
Today I’m introducing you to my client Andraéa. In this episode, we dive into how she worked through the heaviness and overwhelm that people often associate with budgeting so she could take the fear out of looking at her bank account. (You’ll hear her jokingly mention that she no longer fears getting email notifications from Bank of America because of the work we did in my 1:1 partnership.)
Prior to working with me, Andraéa had tried solving her money problems by going through Financial Peace University but she still found herself in a cycle that left her falling in and out of debt and with little financial confidence.
Getting support through my 1:1 partnership allowed Andraéa to get rid of a one-size-fits-all approach to create a spending plan that allowed her to have true flexibility and control. In our weekly coaching calls, we talked about the emotional side of money and created a spending plan that allowed her to pay off debt, save over $2,000, and finally feel in control of her finances.
Listen to this episode to learn:
- How Andraéa maintained the tools we used in our 1:1 coaching partnership to help her be intentional about her financial decisions
- How Andraéa has been able to keep her manicure routine while also saving money, and pay off over $3,000 in credit card debt
- Why Andraéa thinks that having a spending plan has created more options for guilt-free purchases in her day to day routine
- All of the firsts that were created from our work together like putting all of her bills on autopay, paying for Christmas gifts in cash, and paying off her credit card debt once and for all
If the one-size-fits all approach to managing your money and saving more doesn't resonate with you/work for you, you’ll want to tune into Andraéa's episode.
All the best,
Keina
P.S. Apply to work with me for a personalized approach to managing your finances and improving your money mindset. You don’t have to figure this out on your own or even know where to start. I’m here to support you every step of the way.
You can have all of the “right” things in the right place and still benefit from financial coaching. When I work with clients, it’s not just about creating a budget it’s about changing your relationship with money. This is the exact work I did with Kim because she wasn’t looking to have a solid debt pay off plan or even a solid savings plan- those things were already set. She needed to shift her money mindset, her approach to managing her money, and develop a new level of financial confidence as a newly single mom so she could feel control.
In this episode you will learn…
- How Kim saved hundreds of dollars by looking at her bank account
- How Kim saved $1,000, in less than a month, by making a few tweaks to her mindset and her spending
- Why our partnership helped her become more intentional about spending money and discover how to spend from a place of joy, not fear
- How Kim overcame her past belief that she isn’t worthy of money and her fear that her money might disappear
You can have all of the resources at your fingertips but if we don’t have the tools to manage our income you won’t see the results you desire. Tune into this episode to hear how Kim has shifted the way she views her finances after working with me in a 1:1 partnership.
Visit www.wealthovernow.com to apply to work with me.
In this week’s episode of Money Files, I’m introducing you to my client Kim in a special two-part episode. I wanted to share Kim’s story in two parts because her story of transformation started before we even started formally working together.
In May, Kim joined Mimosas + Money Matters, a free group coaching call I host once a month. From the outside looking in, she was joining a group of complete strangers to talk about finances BUT what you’ll learn is how one coaching call helped her start peeling back the layers of her personal money story.
In this first episode, Kim shares her personal money story and the childhood experiences that caused her to fear her own finances, despite being a six-figure earner.
Tune in to learn...
- Why Kim has always felt anxious about her finances
- How being a six-figure earner has attributed to her avoidant behavior
- How she shifted her mindset on the group coaching call
- Why she committed to look at her numbers and go beyond just automating her bills
You’ll want to tune into this episode if you’ve ever wondered how working with a financial coach can help you take action with your finances. Kim’s story will show you how choosing to say ‘yes’ even when you’re uncomfortable can lead to a transformation.
Join me for my monthly live group coaching call by visiting www.wealthovernow.as.me/mimosasandmoneymatters.
Brave is the word I’d use to describe the client that I’m chatting with this week in my Money Files series. After filing bankruptcy almost a year ago, Karen reached out to me because she wanted to rebuild her financial foundation.
At the time, she was apprehensive about hiring a financial coach because she feared rejection and disappointment, something she’s experienced often and wanted to avoid at all costs. But she also knew that risking that was important because she wanted to regain her financial confidence. So after talking, she said yes to my one-month intensive.
Karen has made phenomenal growth since working with me. She’s gone from bankruptcy and inconsistently saving money to easily accounting for unexpected expenses like car maintenance and saving more than $2,000 in less than 8 weeks.
Tune in to Karen’s story to learn...
- How being honest with herself has helped her improve her finances and allowed her tackle challenges in other areas of her personal life
- How Karen changed her views about "extra" money in her account and why that shift created greater financial confidence
- The biggest shift she experienced within the first two weeks of working together that gave her increased mental space
- What she’s learned about her own emotional spending and how she’s learning to process the urge to spend
- What she believes kept her in delusion about her finances
Since working with me, Karen has started to rewrite her financial story. This time she’s setting financial priorities and creating a new type of freedom, financial freedom. You do not want to miss this conversation.
This episode is for you if you want to stop believing the negative narrative you have about money or truly desire to see what’s possible when you have an accountability partner. I know you will find Karen’s story to be relatable, real, and true.
In this episode, Lynae candidly shares that when she first heard about my services, she wasn’t ready to start working together. In fact, she told herself that because she had multiple degrees, she should be able to get it together (I’m sure you can relate to feeling like you should be smart enough to figure out your finances on your own!) So she continued reading financial resources and trying financial apps to get it together.
No matter how much she read or how many apps she tried, she still couldn’t figure out how to pay off her credit card or save consistently.
Lynae finally figured out that the smartest thing she could do was seek out my support and then use that support in the exact way she needed to reach her goals.
Tune into her episode to learn more about...
- How Lynae managed to pay off $1400 of credit card debt within three months of working together
- How Lynae created her own pay dates to manage her 10-month pay cycle without the fear that she’d run out of money before her next paycheck
- Why Lynae now likes money dates so much that she has them twice (plus how this has helped her intentionally manage her finances)
- How Lynae uses extra income to pay off debt and plan ahead for future expenses so she’ll never have to go into debt again
- How having a money journal has support Lyane in monitoring her own success from week to week
- How knowing her numbers has helped Lynae shift her self talk about what she can or cannot afford (and made it possible for her to invest in her home and travel)
If you’ve felt like you shouldn’t have problems with your finances because you make enough money or you’re too educated to be making money mistakes, you’ll want to tune into Lynae’s story. She shares her own transformation of how she’s gone from feeling anxiety and guilt about her finances to learning how to celebrate her financial progress while still working towards bigger financial goals like paying off the remainder of her credit card debt within the next year.
Grab my free money date guide at www.wealthovernow.com/money-date-guide
This week I’m introducing you to my client Suzanne. Prior to working together, Suzanne tracked her finances and felt like she was very conscientious of where her money was going but was still caught off guard by expenses. She would have even told you she had a budget. In this candid conversation, she shares how she set goals about how much she desired to spend on groceries and made sure her bills were paid every month.
In the one month intensive, Suzanne and I worked together to help her have greater clarity about how she desired to spend her money day to day. Although she was tracking her finances it was all about how much she spent and we were able to focus on preparing for irregular and unexpected expenses that she’d usually take out of savings.
This simple shift in her plan helped her prepare for her dog’s unexpected visit to a cardiologist and save for her love of travel without it getting in the way of other annual fees like her HOA special assessment fee.
Tune into this episode to learn more about...
- How she’s been able to plan ahead for things like irregular expenses (auto maintenance, pet care,etc.) while also staying on track for other goals like paying off her student loans
- Suzanne’s realization that there’s a difference between tracking and planning
- How Suzanne has been able to triple her payments towards her student loan payment
- How Suzanne has doubled the investment she made in hiring a financial coach
- How she’s adjusted the spending plan we created as she’s continued to learn more about her own spending habits so that she can pay off all of her debt within the next three years
I work with a number of clients who “budget” but they still can’t seem to make the progress they desire towards their financial goals whether that’s saving more, paying down debt or releasing fear and anxiety about their finances. And my guess is you might be able to relate. Tune into Suzanne’s story to hear how you can shift the way you’re currently thinking about your money so you can reach your financial goals with ease.
To learn more visit www.wealthovernow.com/category/money-files
For years, Maggie made an annual goal to get out of credit card debt but despite her best efforts, the credit card debt increased year after year from $2,000 to over $16,000.
When Maggie thought about what she needed to do to achieve her goals of paying off debt and saving money she wasn’t able to see beyond her reality, the reality that seemed to say that she’d be in debt forever despite her best efforts. She also held the belief that she would never be good with money because that meant she needed to be disciplined and follow a set of strict rules. Maggie decided to hire a coach because she desired different results. After a couple years of setting financial goals and not meeting them it became clear to her that she needed another strategy.
As her financial coach, it is safe to say that Maggie had a resistance to budgeting because she did not see how budgeting would allow her to live a carefree life.
Over the course of my one month intensive, Maggie shifted her mindset about money. She started to see how we were simply making a plan that allowed her to align her finances with her priorities so she could make informed decisions. Her plan allowed her to make room to save for travel, pay extra on her credit card debt to eliminate it within the next 12-18 months, and also helped her prioritize setting aside money for less sexy things like saving for a new roof.
Tune into this episode and hear more about the progress Maggie has made in the last year.
In this episode you’ll learn…
- Why Maggie thought budgeting would never work for her because she held the belief that it was about discipline and not freedom
- How she realized she was making decisions on flawed information about her finances
- How Maggie started to build a real emergency fund to cover at least 3 months of expenses
- Maggie’s realization about how she could have credit card debt and still save for other things she cared about like travel
- How she’s reallotted money since we’ve started working together
- Maggie’s new definition of discipline and how it’s helped her to be indulgent in with her spending without guilt or fear
Having a budget doesn’t mean you won’t be able to enjoy your life and I’d argue it’s the very thing you need to see progress towards your financial goals and gain a sense of clarity about the next purchase you want to make. A budget allows you to make purchases without the stress of wondering whether you’ll be able to pay your bills on time, pay down your debt, or cover an emergency.
If you’ve ever thought that life is too short to live on a budget, you’ll want to tune into Maggie’s episode because she held a similar belief - and she moved past it to pay off over $11,000 worth of credit card debt and a three-month emergency fund.
And if you're ready to create a budget that makes the life you want possible, schedule a call.
Learn more at www.wealthovernow.com and get the full transcript
When we first started working together, Marie would list out her bills in her planner and “x” out everything that had been paid with her most recent paycheck until she got to what was “left over”. She viewed the money she had left as spending money until the next time she was paid.
It probably sounds like Marie had a good handle on her money but this system wasn't working all that well for her. Because even though she was paying attention to her bills and had recently received a pay increase, she still didn't have enough money left over at the end of the day to spend on things she enjoyed and she had nothing in savings.
After searching for a financial advisor, she found my site and realized that she didn’t need a financial advisor. She needed a coach who could help her figure out how she was spending money day to day.
In this episode, Marie talks about how we started working together and how her experience permanently shifted the way she sees money. She shares her story of only having $0 in savings to having saved more than $800 in just four weeks of us working together.
She discusses the results she’s seen including finally having an emergency savings and being able to ask herself if a purchase is really worth it or not. She shares how she’s developed confidence around money, how she’s been able to consistently keep $1500 in her checking account to go towards bills, and how she’s going to increase her savings goal in the upcoming months because she now knows how to achieve it. Marie has had some really incredible breakthroughs and I know you’ll find inspiration from the progress she’s made over the past year!
Here are just a few things you’ll learn when you listen in:
- How Marie stumbled upon needing financial coaching services and the difference between a financial coach and a financial advisor.
- How she manages her money to cover her current and upcoming expenses
- Why Marie has found it to be easy to consistently set aside $250 a month in her emergency fund
- The strategies that have worked for Marie to overcome emotional spending and overspending.
- How getting her finances in order has helped her worry less and feel more secure about her money
- How budgeting has allowed her to take vacations without worrying about finances.
- How she’s continued to adjust her spending after working with me in the one-month intensive and owned her results.
To learn more about how I work with clients or to book a call with me go to www.wealthovernow.com
Show notes and a full transcript is also available at www.wealthovernow.com/category/money-files
Today I’m sharing a special bonus episode in my Money Files series. This conversation centered around business finances and I talked to my client, Brooke who felt unsure of how to manage the financial aspect of her business.
Brooke is a mom of two and a business owner. After two years in her business, she decided she needed to get her mind right with her business finances and start paying more attention to what money was coming in and going out. Not knowing exactly how much money was going in and out of business meant she wasn’t able to pay herself a predictable salary or invest in her business without debt or worry. She saw how putting a plan in place for her money would help her to be able to achieve personal goals like giving back to her church, which motivated her to get her financial plans in place.
In this episode, we talk about how knowing her numbers changed everything for her and allowed her the freedom (and peace of mind) to know that she could take calculated risks in her business. We explored what her money dates look like and how having these helped her to navigate the ups and downs of business income (especially during the pandemic). She shared her breakthroughs of going from feeling like things were sneaking up on her financially to knowing about expenses before they happened.
Here are just a few things you’ll learn when you listen in:
- How Brooke felt lost and didn’t have any systems in place to handle her business finances.
- Brooke’s revelations about putting money aside for goals like giving back to the church and how this process put things into perspective for her.
- Why the process of going through her expenses was the hardest step for her.
- How knowing her numbers has allowed Brooke to take calculated risks within her business like investing in a social media manager.
- How having a bi-monthly money date with herself has prepared her for the ebbs and flows of business income.
- How having a spending plan has helped Brooke set clear income goals and pay herself consistently.
- Brooke’s thoughts on how investing in a financial coach have supported her in managing the numbers in her business.
- Her advice on taking control of every aspect of your business, even if it’s scary.
If you’re a soloprenuer and you want to start creating new possibilities with your finances I promise that you don’t want to miss this conversation with Brooke. You’ll see exactly why it’s important to go beyond just categorizing your numbers. When you take the time to know your numbers as a business owner, you’ll get to do more of the things you love as a business owner. This episode will help you see just how easy it can be to go from overwhelmed to intentional about your business finances.
To learn more about how I work with clients or to book a call with me go to www.wealthovernow.com
Today I’m introducing you to Martha, a long-time friend of mine. Even after 10 years of lots of financial advice, she still saw reason to reach out and get more.
Even after ten years of friendship and countless financial conversations, she decided to dedicate 30 days of her life in my one month intensive to start changing her relationship with money.
Martha is married with two small kids and she tells us about how she and her husband, Matt manage their finances separately. Even though she’s in a partnership she decided to engage with me solo in the one month intensive. Martha was blown away with the transformation she made going from stressed about money (and unsure of where she and her husband stood financially) to at ease and able to communicate about financial matters as a couple.
In our conversation, we talk about the money woes she’s faced and how the one-month intensive prepared her to navigate her finances during the pandemic. You’ll hear the aha-moment when she learned how to allocate every single dollar using her spending plan. She also talks about teaching her children about spending, saving and giving their money. We dive into her plans for navigating a holiday budget (and preparing for that early!), what she considers when deciding whether or not to splurge on an item and the cycles she went through of saving and spending before participating in the intensive.
Here are just a few things you’ll learn when you listen in:
- How Martha went from “handling” her finances to having more than $5,000 in her savings in less than six months
- How Martha and her husband went from ONLY talking about finances when there was a problem to making weekly financial decisions together
- Martha’s realization that money is not always a negative subject and how she brings it up with friends and family.
- How participating in the one-month intensive prepared her for the unexpected expenses that came with the pandemic.
- Martha’s aha-moment of learning how to allocate her money by using her spending plan and how she’s learned to align her spending with her values.
- How Martha is now teaching her children about spending, saving and giving with their own finances.
- Why she’s been working toward investing in yoga teacher training and how she’s been preparing for it financially.
This episode is for my entire audience but it’s especially for you if you’re married and wondered how I support women who want to work with me alone. But it is also for you if you feel like you make too much money to be stressed about finances. Tune in and hear Martha share her behind the scenes experience and the growth she’s seen since we’ve worked together.
For show notes and a full transcript visit www.wealthovernow.com/category/money-files
If you're ready to create new possibilities with your money schedule a call.
I can’t wait for you to dive in and meet Roselynn. You’ll hear Roselynn jokingly share that she found her “financial fairy godmother” as she shares the behind-the-scenes story of our coaching partnership. You’ll also hear that she waited a long time to experience that kind of support because she thought she needed to get things “in order” before we could start working together.
In our conversation, you’ll hear her share more about why she finally decided she was ready and how working together helped her align her spending to achieve her financial goals and build trust in herself.
Here are a few things you’ll learn when you listen in:
- Why Roselynn indulged in a “last supper” spending spree before we started working together and what advice she would give herself now
- Roselynn’s revelation that she COULD spend money as long as it was in alignment with her goals and what she really wants
- How one moment at CVS helped her shift her thinking around how she spent her money
- What Wealth Over Now means to her since we started working together
- How the power of vulnerability has helped her reach her weekly financial goals
- The generational shifts she sees for her family as a byproduct of our partnership
- The intangible milestones she met such as learning to believe in and trust herself
If you’ve been on the fence about wanting to reach out financial coaching because you need to “get ready” I promise that you don’t want to miss this conversation with Roselynn. I can promise you that Roselynn will share at least one valuable mindset shift that will help you realize it’s not about getting ready.
And if you’ve been on the fence about whether financial coaching is right for you, let Roselynn’s story be motivation for you to stop waiting for the perfect time to start. You are enough and we can start making financial progress right now.
Visit www.wealthovernow.com to schedule a call
For show notes and a full transcript visit www.wealthovernow.com/category/money-files
Today you’ll meet Lisa who has an incredible story of grace, forgiveness, and courage. I can guarantee that you do not want to miss this episode - it gives me chills to hear her reflect on her growth and transformation!
Lisa found me after she made a move across the country to start over after leaving an abusive marriage and her job behind. She also had over $20,000 in credit card debt, $70,000 in student loans, no retirement, and no savings when we started working together.
Then Lisa landed a new job, and that sparked Lisa to leave behind 44 years of money habits that never served her. When we began working together, she had a lot of shame around money and in this episode, we chat about her money transformation, and how she learned to give herself grace.
Tune in to hear how Lisa has used a team to not only manage her emotional spending but also move in the direction that allows her to take action with her finances without fear.
Here are a few things you’ll learn when you listen in:
- The false narrative Lisa held that caused her to rely on instant gratification
- How she created realistic expectations so she could indulge in things she enjoys while also paying off debt and saving money
- The team she has relied on to move forward in her personal and financial life
- How she shifted her thoughts about tax season just being another opportunity to pay down debt
- Her tips for overcoming emotional spending
- Her advice for someone who is on the fence about improving their finances
- The plan we put in place to prevent spending triggers
For show notes and a full transcript visit www.wealthovernow.com/category/money-files
Today, I want to invite you to the second episode of my Money Files Series with my client Katie.
Katie found me after she realized she needed help saving more and spending less and it led her to a Google Search for a financial advisor. She no longer wanted to be stressed out about how she was going to pay her bills and keep up with everything. Katie especially wanted to work on her habit of using her credit card to fund purchases between paychecks because she’d run out of money before the next payday.
I invite you to tune into our conversation to find out what happened next.
Here are just a few things you’ll learn when you tune in.
- How Katie has gone from having $10 in her bank account between paydays to paying her bills in advance
- The mindset shifts she’s made to release the overwhelm, shame and guilt she felt around her finances
- The progress she’s made in improving her relationship with money so she can now indulge in the things she cares about most
- How she’s refocused her priorities to focus on the things she wants to invest in the most
- How gaining control of her finances has helped strengthen her relationship with her partner
- How the changes she’s made have impacted other areas of her life such as less stress and the ability to focus on other things because she isn’t stressed about her finances
- Her goals and how they’ve shifted while working with me
- Katie’s experience of learning to identify her spending triggers and how it helped her stop overspending
- How she’s learned to check-in with her accounts and have money dates with herself
- Katie’s advice for those who might be skeptical about financial coaching and whether this is the solution they really need
You do not want to miss this conversation. This episode is for you if you’re skeptical about whether financial coaching will help you pay off your debt, save money, and allow you to stress less about money.
And if you’ve been on the fence about whether financial coaching is right for you, let Katie’s story be an example that your life - and your finances - can change in the next month, six months, and beyond. Let’s schedule a call so you can rewrite your money story and reach your financial goals.
For show notes and a full transcript visit www.wealthovernow.com/category/money-files
**Today, I want to introduce you to April. When April and I started working together she was considering bankruptcy after a recent divorce. She was also grappling with a money story she’d heard for years which she’ll tell you about in the interview.
Here are just a few things you’ll learn when you tune into April’s conversation:**
- How April went from believing that bankruptcy was her only option to not even considering bankruptcy as an option.
- The habits she’s developed this year that have helped her not only trust herself with money but they’ve also helped her tap into financial confidence she never knew she had.
- The generational change April is excited about because she’s started to have financial conversations with her son.
For show notes and a full transcript visit www.wealthovernow.com/category/money-files
Hi my name is Keina Newell. I am a financial coach and work with professional women and solopreneurs to create new possibilities with their money. You are joining me for Money Files.Welcome! I created this Money Files series to give you the opportunity to join me in a money conversation that is different than any you’ve ever heard before.
Over the next several episodes, I will share candid conversations with my clients both past and present about how their relationship with money has changed. You will hear about different financial journeys that I hope will show you how perfectly imperfect that journey can be while still leading to financial success.
As you listen to these conversations I hope that you hear it’s possible....
to change your relationship with money and rewrite your money story.
to get control of your emotional spending.
to consistently save for emergencies while also paying down debt.
to leave behind a life of stress and overwhelm when you think about managing your finances.
So, get what you need and get ready to enjoy this transformative conversation.
Financial coaching is about so much more than a budgeting template. It’s about having someone here not only as an accountability partner but also your cheerleader when you can not see the possibilities for yourself.
Maybe this story inspired you to create new possibilities with your money but you don't know how to get out of your financial rut. Remember, change starts when you decide to take the first step. Today, I’m inviting you to take the first step and book a 1:1 complimentary call. We’ll discuss what you are hoping to achieve with your money, where you need support, and how I can help you reach your financial goals faster than you ever could alone. Go to www.wealthovernow.com and book a call. Once again my name is Keina and thank you for joining me. Stay tuned for the next episode!
For more information and episode, details visit www.wealthovernow.com/category/money-files