Everyone's Talkin' Money

Ever feel like you’re wearing a mask of success but underneath, you’re drowning in self-doubt? You’re not alone. In this episode, I sit down with Kamini Wood, CEO of Live Joy Your Way and founder of AuthenticMe® Life Coaching, to uncover why so many of us feel like imposters despite our accomplishments. Kamini shares her personal journey from chronic people-pleaser to self-worth advocate and the strategies she uses to help high achievers reclaim their power and stop outsourcing their value. We dig into why imposter syndrome isn’t just a buzzword, how to break free from the trap of perfectionism, and why acknowledging your wins is more than just self-care — it’s self-leadership. You’ll hear: The truth about imposter syndrome and why it’s more common than you think How Kamini shifted from feeling like she wasn’t enough to embracing her worth The surprising connection between perfectionism and financial stress Why we struggle to celebrate our wins — and how to start doing it right now How to turn self-doubt into self-leadership without toxic positivity You’ll walk away with: An understanding of how imposter syndrome is holding you back financially and emotionally Practical ways to identify and reframe limiting beliefs A simple gratitude practice that helps calm your inner critic and boost self-worth The importance of acknowledging your wins — and a powerful way to start doing it today Kamini’s top tip for building self-leadership that aligns with your true values Connect with Kamini Wood: 🌐 Website: https://www.kaminiwood.com/6-ways-to-improve-your-relationship-with-money/ 📸 Instagram: @itsauthenticme 📘 Facebook: @itsauthenticme 🎥 YouTube: Kamini Wood - AuthenticMe 🎧 Podcast: Rise Up, Live Joy Your Way Follow Everyone’s Talkin’ Money on Instagram @everyonestalkinmoney for more financial insights and behind-the-scenes content. Learn more about your ad choices. Visit megaphone.fm/adchoices

Does the word “budget” make your skin crawl? You’re not alone – but it doesn’t have to be that way. In this episode, we’re flipping the script on traditional budgeting and showing you how to build a spending plan that empowers rather than restricts. You’ll hear: Why most budgeting systems are set up to fail – and how to create one that actually works for you. How to identify your core money values and align your spending with what truly matters. The Three-Bucket Spending Plan that turns your budget into a tool for growth, security, and joy. Powerful mindset shifts that transform financial scarcity into abundance. Shari’s personal story of breaking the scarcity cycle and embracing a values-based spending plan. You’ll walk away learning:  Your financial reality will always align with your financial energy  Common money values include: Freedom and flexibility Security and stability Growth and learning Comfort and well-being Impact and contribution Recognition and status How to reframe budgeting from a punishment to a powerful tool for aligning your spending with your values. Why most budgeting systems set you up for failure – and the three critical mindset shifts that will transform your financial approach. The Three-Bucket Spending Plan that simplifies money management without sacrificing what you love. How to identify your top money values and use them to build a spending plan that actually sticks. Why emotional spending isn’t just about lack of discipline – it’s about unaddressed financial traumas and how to heal them. How to stop saying “I can’t afford that” and start saying, “I’m choosing to spend differently.” How to recognize the scarcity mindset patterns that keep you stuck – and practical steps to break free. Whether you’re tired of feeling guilty every time you spend or you’re ready to start building wealth without sacrificing your sanity, this episode is for you. Tune in, take notes, and get ready to reframe how you manage your money. Follow us on Instagram @everyonestalkinmoney for more money mindset shifts and practical tips! Learn more about your ad choices. Visit megaphone.fm/adchoices

Are you trapped in a career that pays well but leaves you feeling unfulfilled? In this episode, career coach Eliana Goldstein reveals why so many ambitious professionals find themselves in the 'golden handcuffs'—high-paying jobs that don't align with their values—and how to break free without sacrificing financial security. You'll hear: Why the 'golden handcuffs' trap so many high achievers The common financial and emotional patterns Eliana sees in her clients How to identify your career values and align them with your financial goals The importance of strategic career pivots and side hustles How to quantify your 'enough' number and avoid the endless money chase You’ll Walk Away Learning:  Many high achievers feel trapped in unfulfilling careers. The 'golden handcuffs' create financial and emotional conflict. Societal expectations can lead to career dissatisfaction. Mindset shifts are crucial for career fulfillment. The Career Upgrade Framework helps align values with career choices. Financial stress often impacts career decisions. People often assume they must take a pay cut for fulfillment. Comparison with peers can lead to dissatisfaction. Side hustles can provide purpose and confidence. Self-auditing is essential for understanding career engagement. Follow Eliana on Instagram for daily career tips, and check out her Career Upgrade Framework at ElianaGoldsteinCoaching.com and use the code TALKIN on the checkout page to get $150 off! Here is the link to the course. And don’t forget to follow us @everyonestalkinmoney for more money mindset insights and behind-the-scenes content. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Everyone’s Talkin’ Money, we’re diving into the untold story of stay-at-home moms and financial independence with Karen Johnson, also known as The 21st Century SAHM. Karen opens up about her powerful new book, What Do I Want to Be When They Grow Up?, and the identity crisis many mothers face when they step away from a paycheck to raise their kids. You’ll hear: How to reclaim your financial worth as a stay-at-home mom — even if you’re not bringing in income The emotional and financial cost of sacrificing your career for your family and how to rebuild your sense of self Why investing in yourself isn’t selfish — and how to do it without the mom guilt How to have honest money conversations with your partner when you’re not earning a paycheck Karen’s top advice for women in their 40s navigating big life pivots and financial decisions Whether you’re a stay-at-home mom, a working mom, or somewhere in between, this conversation will remind you that your worth isn’t defined by a paycheck — and that it’s never too late to invest in you. You’ll walk away learning:  Many women feel guilt about pursuing interests outside of motherhood. Motherhood can feel like a death of previous identity. Social media often portrays an unrealistic view of motherhood. Women are conditioned to feel guilty about not enjoying every moment. Perfectionism can negatively impact mental health in motherhood. It's important to focus on accomplishments rather than shortcomings. Unpaid labor in the household is valuable and should be recognized. Women should feel empowered to ask for what they deserve. Many women handle day-to-day finances but lack knowledge of larger financial matters. It's crucial for both partners to be educated about household finances. Financial literacy can prevent future hardships in case of unexpected events. Women often feel guilty about spending money on themselves. Selfishness in financial decisions can be redefined as self-care. Finding personal hobbies is essential for mental well-being. Aging can bring a sense of freedom and acceptance. Conversations about money should be open and honest, without guilt. Follow Karen on social media @21stcenturysahm and visit the21stcenturysahm.com to pre-order her book, What Do I Want to Be When They Grow Up? And don’t forget to follow us on Instagram @everyonestalkinmoney for more real talk about money, motherhood, and finding your power. Learn more about your ad choices. Visit megaphone.fm/adchoices

Are budgets making you feel trapped instead of empowered? In this episode of Everyone’s Talkin’ Money, Shari sits down with Rachel Duncan, a financial therapist and founder of the Money Healing Club, to discuss why traditional budgeting often backfires — and how to break free from the binge-and-restrict cycle for good. Rachel reveals how emotional spending can spiral into spending addiction, why self-compassion is the missing link in most financial plans, and how to create a spending plan that actually aligns with your life. You’ll hear: Why Rachel believes traditional budgeting is a recipe for financial burnout How to spot the emotional triggers behind spending addiction and take control The real reason emotional spending can feel impossible to stop — and how to heal it Rachel’s practical tips for building a spending plan that’s flexible, sustainable, and guilt-free Ready to take the first step toward financial healing? Rachel is offering 50% off the Money Healing Club for all listeners for their first month. Just use the code TALKIN at MoneyHealingClub.com and start transforming your money mindset today. You’ll walk away learning:  Rethinking budgeting can lead to financial peace. Emotional triggers play a significant role in spending habits. Flexibility in financial planning is crucial for success. Understanding needs versus wants is essential for budgeting. Spending addiction often stems from emotional triggers. Self-compassion is a key skill in financial management. Traditional budgeting methods can lead to burnout. Planning for annual expenses can prevent financial stress. Open conversations about money can reduce shame. Creative solutions can help maintain social connections while spending less. And don’t forget to connect with us on Instagram @everyonestalkinmoney for daily money mindset tips, behind-the-scenes content, and episode updates. Tune in, take notes, and get ready to rethink your relationship with money. Because financial healing isn’t about restriction — it’s about building a plan that actually works for you. Learn more about your ad choices. Visit megaphone.fm/adchoices

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 StevensVisit Kara at The Frugal FeministaFollow @frugalfeminista on InstagramDon't miss out on any of the money talkin' fun! Follow us on Instagram @everyonestalkinmoney Learn more about your ad choices. Visit megaphone.fm/adchoices

Feeling like you’re running out of time to “get it together” financially? You’re not alone—and more importantly, you’re not behind. In this episode of Everyone’s Talkin’ Money, host Shari Rash sits down with author, entrepreneur, and creator of The 30Phobia Project, Kate Berski, who went from broke at 29 to millionaire by 39. She’s proof that financial timelines are made up—and that it’s never too late to take charge of your money, your mindset, and your future. Kate gets real about the financial anxiety so many of us feel in our 30s, the pressure to hit unrealistic milestones, and the myth that saving alone will get you to wealth. Instead, she shares how shifting her mindset, increasing her income, and letting go of comparison unlocked the life—and bank account—she always dreamed of. What you’ll learn in this episode: Why your 30s (and 40s!) are the perfect time to build real wealth The most common money lies we believe—and how to replace them How to earn more without burning out or starting over The truth about social media, comparison, and financial shame How short-term risks can lead to long-term financial wins Whether you're stuck in a job that doesn’t pay you what you’re worth, struggling with financial insecurity, or just tired of feeling “behind,” this conversation will inspire you to rethink your path—and start building wealth on your timeline. Download Kate’s free Mind Hacker Cards Order Kate’s book: 30Phobia: Why Your 20s Suck and How to Get UnStuck→ link to buy Connect with Kate on Instagram: @kateberski Learn more: kateberski.com 📩 Loved this episode? Rate, review, and share it with someone who needs to hear: you’re not behind—you’re just getting started. Learn more about your ad choices. Visit megaphone.fm/adchoices

If you’ve ever said, “I’m just bad with money,” this episode is your wake-up call. Money isn’t just math—it’s emotion, memory, survival, and shame. And chances are, you were never taught how to have a healthy, empowered relationship with it. In this solo episode, Shannah peels back the emotional layers of what it really means to be “bad with money” and guides you through a powerful reframe that can shift everything. You’ll laugh, maybe cry (in a good way), and definitely leave with a new perspective—and actual tools—to stop spiraling and start rewriting your money story. This is your financial reset, your pep talk, and your permission slip to stop carrying money shame and start stepping into money power. Why you’re not actually bad with money (and who taught you that you were) How to uncover your “Money Origin Story” Three simple, powerful money exercises that go beyond budgeting The truth about emotional spending—and how to stop sabotaging yourself How to rewrite your internal money script and finally feel in control Be sure to like and subscribe! Follow us on Instagram @everyonestalkinmoney Learn more about your ad choices. Visit megaphone.fm/adchoices

What if money isn't just about budgeting, saving, or grinding harder—but instead, a form of radical self-love? In this powerful episode of Everyone’s Talkin’ Money, Shari sits down with Elizabeth Ralph—wealth strategist, intuitive investor, and host of The Spiritual Investor podcast—to completely rewire how we think about money. A former financial executive turned energetic wealth mentor, Elizabeth shares how money and love operate on the same frequency—and how learning to receive is just as important as learning to earn. They dig into why we confuse discipline with deprivation, how spiritual people accidentally block abundance, and why aligning your financial decisions with your values is one of the most loving things you can do for yourself. This isn’t your typical money advice. This is money through a soul-aligned, energetically expansive lens. Whether you’ve been stuck in scarcity, avoiding your bank account, or wondering why things still feel tight despite "doing everything right"—this episode is your reset. You’ll learn: Why money is an act of self-love—not sacrifice How to shift from lack-based goals to aligned wealth creation The trap of spiritual bypassing in money work What “money normalization” is and why it keeps you stuck How to create abundance without hustle or shame Plus, Elizabeth shares what intentional investing really looks like—beyond portfolios and into your purpose. Ready to shift your relationship with money for good? This is the conversation you didn’t know you needed. Elizabeth is gifting the ETM audience a free month of SI Club (normally $17/month). This includes investing tools, energetic money teachings, and a supportive community space. Sign up here: Free Month of SI Club Learn more about Elizabeth Ralph: Website: thespiritualinvestor.com Podcast: The Spiritual Investor Podcast Instagram: @elizabethralph  Learn more about your ad choices. Visit megaphone.fm/adchoices

Let’s face it—most of us would rather do anything than talk about death. But avoiding the conversation doesn’t make it go away—it just leaves your loved ones drowning in decisions, grief, and sometimes financial chaos.In this episode of Everyone’s Talkin’ Money, I sit down with Dr. Kimberly Harms, a grief counselor, death doula, mediator, author, and former national spokesperson for the American Dental Association, who has lived through more loss and reinvention than most of us can imagine. From losing her son to suicide, her husband to a broken heart, and her career to injury, Kim rebuilt her life by embracing the hardest conversations—and now she teaches others how to prepare emotionally and financially for the inevitable.We talk about: Why open conversations about death and money reduce family conflict and emotional trauma The importance of legacy planning, estate organization, and writing a “love letter” binder Common financial regrets people share at the end of life—and how to avoid them What every member of the sandwich generation needs to know about long-term care and expectations How to talk to your kids (and grandkids! and parents!) about death without fear or shame Why grief + money = explosive—and how to avoid drama by planning ahead The surprising role of hospice, and why dying on your terms can be the greatest gift you give Kim’s wisdom will leave you inspired to tackle your own plans, have those long-overdue conversations, and rethink what a “wealthy” life really means.You’re going to walk away knowing: Financial planning is crucial for emotional preparedness in end-of-life scenarios. Hospice care focuses on comfort rather than prolonging life. Many families experience conflict after a death due to lack of communication. Leaving a legacy of love is the most important aspect of life. Planning for retirement and end-of-life care can alleviate burdens on family members. Kim encourages writing love letters to family members as a lasting legacy. Conversations about death should be normalized to reduce fear and discomfort. Joy and resilience are essential themes in navigating life's challenges. If you just want to make life easier for your loved one, or yourself - this is your must-listen episode.Connect with Dr. Kimberly Harms: https://drkimberlyharms.comLearn more about her book Are you Ready? How to Build a Legacy to Die For Rethinking Death.Life podcastConnect with me (Shari!) on Instagram: @everyonestalkinmoneySubscribe to Everyone’s Talkin’ Money and leave a review if this episode moved you Learn more about your ad choices. Visit megaphone.fm/adchoices