The Frugal Feminista Way: Kara Stevens on Emotional Spending, Avoidance, and Financial Freedom

In this episode of Everyone’s Talkin’ Money, I’m joined by Kara Stevens—founder of The Frugal Feminista, personal finance coach, and unapologetic advocate for women healing their relationship with money.

Kara opens up about her journey from earning six figures while buried in $65K of debt to building a life centered around emotional well-being, financial clarity, and aligned values. We talk about how money avoidance shows up in sneaky ways, why emotional spending isn’t just about impulse, and how to demolish debt without feeling like you’re in financial lockdown.

You’ll hear:

• Why income doesn’t equal financial confidence
• How generational money trauma impacts Black women in particular
• What “values-based budgeting” actually looks like in real life
• The difference between being rich and feeling rich
• Why healing—not hustling—is the real secret to long-term wealth

We also dive into Kara’s approach to parenting around money, navigating side hustles while holding a 9-to-5, and the mindset shifts that turn shame into strategy.

Whether you’re staring down your own debt, trying to break a financial cycle, or just ready to feel more in control of your money—this conversation is a must-listen.

You'll walk away knowing:

• Many women face hidden struggles with money and debt.
• Shame and confusion often accompany financial challenges.
• Teaching children about money can create a positive relationship with finances.
• Debt repayment should be approached with compassion and understanding.
• Balancing work and side hustles requires strategic planning.
• Income does not equate to wealth; understanding assets is crucial.
• Finding fulfillment beyond spending is essential for financial well-being.
• Aligning spending with personal values can lead to better financial decisions.
• Creating sustainable financial goals involves understanding one's pace and needs.
• Healing one's relationship with money is key to achieving financial success.

Resources & Links: Heal Your Relationship With Money by Kara Stevens

Visit Kara at The Frugal Feminista

Follow @frugalfeminista on Instagram

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