Keina Newell - Personal Finance & Money Mindset Expert
Money Files: Money Mindset & Personal Finance
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.
Author
Keina Newell - Personal Finance & Money Mindset Expert
Category
Podcast website
Latest episode
Jul 7, 2026
Where to listen?
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Episodes
190 | Lisa’s Story: How Lisa Stopped Using Her Planner To Budget 26.08.2025 31:37
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...
189 | Turn Your 3rd Paycheck Into a Financial Power Move 19.08.2025 12:40
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 t...
188 | A Better Way to Handle Unexpected Expenses 12.08.2025 16:05
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 sh...
187 | Always Ahead: How to Budget for the Fall Season Without Falling Behind 05.08.2025 10:47
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,...
186 | What Really Happens in a 5-Month Money Coaching Partnership 29.07.2025 19:57
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 bu...
185 | How to Save $10K on Repeat with the Magic 10 Strategy 22.07.2025 22:06
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,...
184 | The Hustler Saver: Why Making More Money Still Leaves You Broke 15.07.2025 16:29
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 c...
183 | The Dipper Identity: How to Break the Cycle of Dipping into Your Savings 08.07.2025 15:19
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 mat...
182 | The Leftover Saver: How to Stop Trying To Save 01.07.2025 16:51
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...
181 | Emergency Funds Are Out—Side Eye Funds Are In 24.06.2025 15:34
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...
180 | 10 Money Date Questions That Will Change How You Manage Your Finances 17.06.2025 14:39
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 pro...
179 | Permission Budgeting: How to Overcome Overwhelm and Take Control of Your Finances 10.06.2025 17:40
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 ord...
178 | The A.S.S. Method: How to Actually See Your Extra Money 03.06.2025 16:42
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? Beca...
177 | Debt Binge vs. Debt Balance: What No One Tells You About Paying Off Debt 27.05.2025 16:47
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, budget...
176 | The Fear of Fake Math: What Happens When You Finally Face It 20.05.2025 15:32
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 vulnerab...
175 | [MVP] Why April Chose Budgeting Over Bankruptcy (and How It Paid Off) 13.05.2025 36:09
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 financ...
174 | Why Your Finances Feel Messy: The Truth About Fake Math (EP 1) 06.05.2025 20:23
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...
173 | The Power of a One-Year Money System 29.04.2025 11:57
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 tim...
172 | The Smart Way to Budget as a Six-Figure Earner: My Three Bucket Money System 22.04.2025 14:36
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...
171 | Why Your List of Bills Isn’t a Budget (And What to Do Instead) 15.04.2025 12:28
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...
170 | Breaking Free from the 'I Should Be Better with Money' Trap 08.04.2025 13:56
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...
169 | Resetting Your Finances: Q1 Reflections and Q2 Planning 01.04.2025 20:41
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 c...
168 | How To Simplify Your Retirement Plan 25.03.2025 19:15
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 outl...
167 | How to Stop Relying on Tax Season for Financial Security 18.03.2025 19:35
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 shar...
166 | Money Matters: Preparing for Divorce with Financial Confidence 11.03.2025 15:52
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 c...
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