Money Files: Money Mindset & Personal Finance

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 minds...

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 temporaril...

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 managi...

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 si...

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 o...

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...

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 everythin...

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...

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 profoun...

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 goal...

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, inclu...

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...

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 cl...

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...

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 f...

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 t...

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...

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...

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 ta...

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 mo...

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...

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 f...

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 wedd...

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 a...

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 i...