Money Files: 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: 

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.

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.

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: 

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!

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: 

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!

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.

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!

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!

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!

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!

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!

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.

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.

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.

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.  

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.  

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.  

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. 

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: 

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.

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!

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!

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. 

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!

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!

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. 

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!

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.

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.

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!

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!

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!

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!

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!

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: 

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!

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.

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. 

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. 

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!

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. 

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.

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. 

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.

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: 

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: 

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: 

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: