Everyone's Talkin' Money

Too many women entrepreneurs are hustling hard, making sales, and still not seeing the money hit their personal bank account. Sound familiar? In this episode of Everyone’s Talkin’ Money, Shari Rash sits down with Danielle Hayden—Co-Founder and CEO of Kickstart Accounting—to unpack the myths, mindset blocks, and money mistakes that keep successful business owners stuck. Danielle shares why it’s irresponsible not to pay yourself, the real difference between a bookkeeper, tax accountant, and CFO-level support, and how to use your numbers as a story—not a math problem—to make better decisions. You’ll learn where most women overspend (and underspend), how to balance business needs with household needs, and why hiring the right money team can transform your business into a sustainable source of wealth. You’ll walk away knowing: Why saying “I’m not a numbers person” is keeping you broke in business How to structure your money team (bookkeeper, tax accountant, CFO, and more) The percentages you should be spending on payroll, marketing, and operations What to do if your business is seasonal or cash flow feels lumpy How to stop the shame spiral and finally pay yourself confidently If you’re ready to shift from “making money” to keeping and using money in a way that supports both your business and your life, this episode is a must-listen. Rules of Thumb for business spending. Check out the worksheet Danielle mentioned here: https://kickstartaccountinginc.com/healthy Be sure to like and follow the show on your favorite podcast app! Keep the conversation going on Instagram @everyonestalkinmoney Thank you to our sponsors!  Policygenius - Head to policygenius.com to compare free life insurance quotes from top companies and see how much you could save.  Ava - Help build your credit score with Meetava.com. Use promo code: Money Learn more about your ad choices. Visit megaphone.fm/adchoices

Turning 40 sparks reflections on real financial lessons, focusing on boring but crucial strategies. Discover why eliminating high-interest debt is one of the smartest financial moves you can make. Learn to spot lifestyle creep and how it can quietly drain your savings. Understand the importance of maintaining a zero credit card balance to secure your wealth. Protect yourself from identity theft by freezing your credit and explore the necessity of disability and umbrella insurance. This is all about achieving peace of mind through solid financial choices.

September is the perfect time to reset your financial goals, as it offers a fresh start that January can't match. Discover how to choose a powerful single goal, avoiding common pitfalls like perfectionism. Learn the SMART-R framework to set achievable objectives and effective strategies to manage holiday spending without derailing your progress. Shari emphasizes the importance of consistency and resilience, showing that achieving one goal can transform your financial confidence. Get ready to finish the year strong!

Mindset is important, but here’s the truth: without strong cash flow systems and habits, you’ll always feel like you’re spinning your wheels with money. In Part 2 of my 40 Money Lessons at 40 series, I’m walking you through the practical routines that form the backbone of financial stability. You’ll hear: Why paying yourself first (even $25 at a time) guarantees your future gets funded How to set up a monthly “money date” to check in without shame or stress The life-changing peace of living one month ahead on bills Why multiple bank accounts simplify money management and stop overdraft chaos These aren’t flashy hacks — they’re the proven, boring-but-brilliant moves that build real wealth and lower money stress. If you’ve been craving control over your finances, this episode is your blueprint for a rock-solid foundation. You’ll walk away knowing: Why paying yourself first flips the savings script (and why “leftover money” never works). How a monthly money date can transform shame into clarity. The underrated power of living one month ahead on bills — and the instant stress relief it creates. Why multiple checking accounts aren’t obsessive, they’re smart structures. How saving monthly for big expenses stops predictable bills from wrecking your budget. The real cost of oversized housing — and how to keep it in check. Why talking about money out loud is the fastest way to get unstuck. And the 3-month pause rule that will save you from emotional, expensive mistakes. Next episode, we’re talking protection — debt elimination, credit management, insurance. The shields that keep your financial house safe. If this episode hit home, share it. Screenshot your favorite lesson, tag me @everyonestalkinmoney⁠. And remember: money doesn’t demand perfection. It just wants you to show up. Build the foundation. Your future self will thank you. Thank you to our sponsors!  Policygenius - Head to policygenius.com to compare free life insurance quotes from top companies and see how much you could save.  Ava - Help build your credit score with Meetava.com. Use promo code: Money Learn more about your ad choices. Visit megaphone.fm/adchoices

What does turning 40 reveal about personal finance? It emphasizes that saving solely for the future can leave you financially stranded today. Confidence in money decisions trumps the need for perfection. Discover how consistency and automation are powerful tools for wealth-building. Learn that financial mistakes are recoverable and independence doesn’t mean going solo. This discussion offers practical insights that shift your perspective on money, making it a tool for empowerment and everyday success.

The holiday season can wreak havoc on your budget, but there's a way to navigate it. Learn about setting up sinking funds to handle upcoming expenses like gifts and events. Discover how to forecast your spending for the next 90 days and add a budget buffer to avoid financial shocks. Shift your mindset from restrictive to intentional, ensuring you enjoy the festivities without guilt. Walk away with a practical spending plan that keeps your financial goals intact while celebrating the joys of fall.

What if your biggest money blocks aren’t in your bank account—but in your unconscious relationship with money? In this powerful and deeply personal episode, I’m joined by Morgana Rae, internationally recognized money mentor, bestselling author of Financial Alchemy: Twelve Months of Magic & Manifestation, and the woman her clients call the Money Goddess. Morgana’s unconventional (and wildly effective) approach has helped clients generate five, six, and even seven figures—sometimes within hours of doing this work. We’re not just talking mindset here—we’re talking total transformation. Morgana shares how she went from making $100/month in Los Angeles to generating millions by decimating her old toxic money narrative and replacing it with love, worthiness, and intentional action. If you’re a high-achieving woman who’s done all the “right” things—budgeted, invested, hustled—but still feels like wealth is a moving target or doesn’t stick… this episode will change the game. You'll walk away with: A completely new perspective on what it means to have a relationship with money The 6-step Financial Alchemy® process to eliminate hidden blocks and attract aligned abundance Why “hustling harder” actually repels money—and what to do instead How to use visualization, emotional safety, and self-worth to magnetize wealth What it means to love money without greed, guilt, or scarcity How unresolved family trauma, fear of betrayal, and emotional avoidance show up in your bank account Practical actions to reset your money energy—whether you’re struggling to make ends meet or managing millions Grab Morgana’s 10-Year Anniversary Edition of Financial Alchemy: Twelve Months of Magic & Manifestation: https://amzn.to/3IHRUen Follow the show on your favorite podcast app so you never miss an episode. Keep the conversation going on Instagram @everyonestalkinmoney Leave a quick rating and review to help others discover the show. And remember: money should be a tool to live life on your terms. Thank you to our sponsors!  Policygenius - Head to policygenius.com to compare free life insurance quotes from top companies and see how much you could save.  Ava - Help build your credit score with Meetava.com. Use promo code: Money Learn more about your ad choices. Visit megaphone.fm/adchoices

Financial wellness isn’t just math—it’s mindset. Today, Jack Howard, strategic program and communications lead at Ally and secretary of the Ally Charitable Foundation, joins me to unpack money psychology, values-based spending, and why “financial confidence” has very little to do with your income bracket. We break down social spending, the Gen Z impulse loop fueled by Instagram/TikTok, and how to start having real money conversations with your friends—without tanking your budget or your relationships. You’ll hear: How your earliest money memories quietly drive adult decisions—and what to do about it The “money wellness chain reaction” to interrupt anxiety and take action today Social spending vs. social connection: lower-cost ways to get a higher “return on joy” Why women (especially high earners) still feel financially fragile—and how to fix it A values-based alternative to traditional budgeting that actually sticks What women of color need to hear about building real, generational wealth—on their terms Be sure to like and follow the show on your favorite podcast app! Keep the conversation going on Instagram @everyonestalkinmoney Thank you to our sponsors!  Policygenius - Head to policygenius.com to compare free life insurance quotes from top companies and see how much you could save.  Ava - Help build your credit score with Meetava.com. Use promo code: Money Learn more about your ad choices. Visit megaphone.fm/adchoices

Get ready for a financial reset this fall! Discover how to conduct a quick cash-flow audit and identify hidden spending leaks. Learn the importance of emergency funds and how sinking funds can help you budget for upcoming expenses. Weigh the pros and cons of debt payoff strategies, like snowball versus avalanche, tailored to your lifestyle. Plus, implement a weekly money check-in to avoid panic mode. Perfect your budgeting skills for holiday spending and kick off a mindful fall financial journey!

Join Linda Grizely, a personal finance speaker and creator of The MeMoney™ Method, as she dives into the challenges successful women face with financial confidence. She reveals the 'High-Earner’s Paradox,' explaining how a six-figure income doesn't guarantee security. Linda emphasizes the importance of values-based money decisions and shares her life-changing financial choice. Discover how to prioritize self-care in spending, combat guilt, and shift from basic survival to a fulfilling financial journey!