Personal Finance With Molly

Send us Fan Mail Today we’re diving into a powerful idea — one that has more to do with mindset than math:   Gratitude turns a little into enough. It sounds simple, even cliché at first. But if you’ve ever felt that quiet frustration of “I should be further along by now,” or if you’ve ever looked at your bank account and felt that tightness in your chest — today’s episode is for you. Because the a...

Send us Fan Mail Today we’re unpacking one of the most freeing — and at the same time, challenging — ideas in personal finance:   Money is a tool, not the goal. Now, you’ve probably heard that phrase before. It sounds nice on a quote card or a podcast intro, right? But what does it actually mean to live like money is a tool — and not treat it like the finish line? That’s what we’re diving into tod...

Send us Fan Mail Today we’re talking about one of my favorite truths in personal finance: 👉 Making money is only half the game. The other half is learning how to hold onto it. It sounds simple, right? But it’s one of the biggest financial blind spots I see. Some people make incredible incomes but are constantly stressed about money.  Others earn modest paychecks but somehow build quiet, lasting w...

Send us Fan Mail Today’s episode is for anyone who’s ever wondered, “Am I actually doing okay with my money?” Because here’s the truth — personal finance can feel like a moving target. The more you learn, the more goals appear on the horizon. And sometimes, it feels like you’re never quite “there.” So today, I want to walk you through 10 money milestones that prove you’re actually crushing it — ev...

Send us Fan Mail It’s one of those lines that can feel blurry. Because being careful with your money sounds wise, right? But sometimes that same caution crosses into territory that can actually cost you — not just in dollars, but in relationships, opportunities, and even peace of mind. So in this episode, we’ll break down: What truly separates frugal from cheap Why the difference matters more than...

Send us Fan Mail Today, we’re talking about something deceptively simple — and yet it might be the most important mindset in all of personal finance: 👉 Focus on what you can control. We live in a world where money feels unpredictable. The markets swing. Prices rise. Interest rates jump. Layoffs happen. And it’s easy — so easy — to feel powerless. But here’s the truth: you don’t need control over...

Send us Fan Mail Today, we’re getting real — like, uncomfortably real. Because the truth is, personal finance isn’t all about spreadsheets, savings hacks, and investing apps. Sometimes, it’s about facing the hard stuff — the kind of truths nobody puts on social media. These are the conversations that don’t always sound pretty, but they’re the ones that change how you see your money — and yourself....

Send us Fan Mail Most people think mastering personal finance is about learning the right facts — understanding credit scores, investment strategies, or budgeting formulas. But information alone doesn’t build wealth or prevent debt. The truth is, managing money is less about math and more about mindset. It’s about how you act when faced with temptation, uncertainty, or pressure. Personal finance i...

Send us Fan Mail Money and love are two of the most powerful forces in our lives — and when they collide, things can get complicated. We all know that communication is key in relationships, but few of us are taught how to talk about money. It’s awkward, emotional, and sometimes even shame-filled. That’s why many couples don’t just avoid money talks — they hide money truths. That’s where financial...

Send us Fan Mail If the word “budget” makes you cringe, you’re not alone. Many people imagine endless spreadsheets, strict limits, and a life stripped of fun. But the truth is, managing your money doesn’t have to feel like punishment. Budgeting is really about giving yourself more freedom, not less—freedom to spend on what matters, reduce stress, and build security. For those who hate traditional...

Send us Fan Mail A Flexible Spending Account (FSA) is one of the most underutilized benefits offered by employers. Many employees either forget about it, underfund it, or fail to spend their funds before the plan year ends. Yet, when used correctly, an FSA can save hundreds or even thousands of dollars annually by allowing you to pay for eligible healthcare or dependent care expenses with pre-tax...

Send us Fan Mail Money traps are deceptive financial behaviors or situations that drain your wealth over time, often making it difficult to build savings and achieve financial security. They can range from high-interest debt to not investing and diversifying properly. These traps are designed to feel harmless in the moment, but together they add up and keep you from reaching your financial goals....

Send us Fan Mail When your retirement accounts are scattered—old 401(k)s left behind at past jobs, multiple IRAs that have been opened over the years, random investments—it’s easy to lose track of what you actually have. The hidden cost isn’t just forgotten fees or underperforming funds; it’s the stress, confusion, and missed opportunities that come from not seeing the full picture. Disorganizatio...

Send us Fan Mail How can we have less temptation and more willpower in our overspending - and spending in general? We want to play good offense! We want to play offense, not defense. We’ll talk about that today! Support the show

Send us Fan Mail One of these words can be whiny and the other word is calm, grounded, committed, and confident. Let’s talk about this in terms of our money and personal financial health.  Support the show

Send us Fan Mail Do you find yourself in the same toxic patterns and behaviors as your parents and grandparents? Do you find yourself repeating their patterns and behaviors with regards to money? Are these patterns and behaviors preventing you from healing and living your best, most abundant money life? Let’s talk about breaking those personal finance generational curses today. Support the show

Send us Fan Mail What works for one person may not work for you. Their conviction will not pay your bills! Let's talk about YOUR priorities and YOUR planning in order to bring YOU closer to YOUR goals! Support the show

Send us Fan Mail Overspending and underspending based out of fear are both self-destructive. These two financial behaviors are both self-destructive and we will talk about them today. Support the show

Send us Fan Mail Dollars and Dates. Cash and Cupid. Romance and Revenue. Couples and Capital. Cash and Connection. Let's talk Money Dates! Don’t let the title scare you away if you’re single! You can most definitely have a money date with yourself! Let’s talk about how to do this - single or with a partner. Support the show

Send us Fan Mail How we behave will always be a reflection of and in accordance with how we see ourselves. This is true in all aspects of our lives, including personal finance. Let’s talk about that aspect today. Support the show