

Everyone's Talkin' Money
Shari Rash, Money Podcast for Women, Personal Finance, Relationships & Mental Health
Ever wake up at 3 a.m. in a full-blown panic, wondering if you’ll ever have “enough” money? Maybe you’re making more than ever, but somehow, the worry never goes away. You stress over every purchase, second-guess every money move, and still feel like you’re one wrong decision away from losing it all.Here’s the truth: It’s not just about the dollars—it’s about what’s happening in your head.Welcome to Everyone’s Talkin’ Money, the podcast that finally tells it like it is: your emotions, thoughts, and habits around money are what’s keeping you stuck— not just your paycheck. Hosted by Shari Rash, a money expert who wants to help you ditch shame, rewrite the rules, and help you feel powerful with your finances. Don't worry, this show isn’t another snooze-fest finance podcast. She's here to help you unf*ck your finances and finally build wealth in a way that actually feels good.If you’re tired of finance bros yelling at you for buying a damn latte and sick of money advice that doesn’t fit your life, hit subscribe. It’s time to unravel your money mess, rewrite your story, and start building wealth—on your terms.
Episodes
Mentioned books

May 2, 2025 • 44min
30 Is Not the Deadline: Kate Berski on Beating Financial Anxiety and Growing Real Wealth
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

May 1, 2025 • 35min
If You Think You’re Bad With Money…Listen to This
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

Apr 29, 2025 • 45min
Money Is Self-Love: Redefining Wealth, Worth, and Receiving with Elizabeth Ralph
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

Apr 25, 2025 • 50min
Talking About Death, Planning for Peace: Dr. Kimberly Harms on Grief, Legacy & the Money Conversations We Avoid
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

Apr 24, 2025 • 34min
How to Raise Money-Smart Kids: What a Middle School Class Taught Me About Money
What happens when you hand a mic to a room full of 8th graders and start talking about money? You get insights that are smarter, bolder, and more financially sound than you’d expect — and in some cases, more than most adults can offer.In this episode of Everyone’s Talkin’ Money, I’m taking you behind the scenes of my daughter’s middle school Career Day, where I spoke about being a money expert and podcaster. But instead of just lecturing, I flipped the script and asked them the big money questions. What I heard blew me away.We’ll explore:
How a one-quarter financial literacy class (just 45 days!) is shaping the way kids think about saving, spending, and investing
Why kids associate money with freedom — and adults with stress
Actionable ways parents, guardians, and educators can start real money conversations with kids (without eye rolls or lectures)
The simple frameworks I use to teach kids how to spend, save, and give with purpose
What my first job as a “toast girl” taught me about assigning value to every dollar
Whether you’re a parent, educator, or just someone who wants to raise a generation of money-smart kids, this episode will leave you inspired — and ready to start the conversation.Tune in to hear how just a little bit of financial education can go a very long way.What you'll walk away with:
Money is about feelings, mindset, and not just spreadsheets.
Kids can have a strong financial foundation if taught early.
Engaging kids in money conversations empowers them.
Every dollar should have a purpose to instill confidence.
Teaching kids about money can prevent future mistakes.
Financial literacy classes in schools make a difference.
Kids understand concepts like delayed gratification and impulse spending.
Adults should share their money mistakes to teach wisdom.
Saving and budgeting are essential skills for kids.
Money management is about balance between spending and saving.
Follow us on Instagram @everyonestalkinmoney Learn more about your ad choices. Visit megaphone.fm/adchoices

Apr 22, 2025 • 43min
Broke Presidents, Big Mistakes: Real Money Lessons from the White House (with Megan Gorman)
Money is the great equalizer—even for U.S. presidents. In this episode, bestselling author and financial expert Megan Gorman joins me to reveal the surprising, messy, and totally relatable financial stories of America’s commanders-in-chief.Shannah and Morgan dig into how student debt, budgeting failures, and quiet financial panic have shaped the men who shaped the country. And trust me—these aren’t the stories you learned in history class. From Thomas Jefferson’s spending addiction to why Herbert Hoover might be your new financial role model, we uncover the real money lessons hiding behind the White House curtains.Whether you’re in debt, rebuilding, or just trying to get a grip on your finances, this episode will leave you feeling a little less alone—and a lot more empowered.What We Cover:
Why money worries don’t stop at the Oval Office
Which presidents were surprisingly bad with money (and who got it right)
The role women played in financial decision-making behind the scenes
What presidential money mess-ups can teach us about resilience and leadership
Why financial literacy should be considered a leadership skill
How student loans haunt even the most powerful
And the budgeting habits worth stealing from history
About Megan Gorman:Megan Gorman is the author of All the Presidents’ Money, a fascinating dive into how U.S. presidents handled their personal finances—and what it reveals about power, failure, and money myths. She’s also a financial strategist, speaker, and contributor to major outlets like Forbes and The Wall Street Journal.Grab the Book:You can find All the Presidents’ Money by Megan Gorman everywhere books are sold.Links & Resources:Megan’s Website: megangorman.comGet the Book:
All the Presidents' Money
simonandschuster.com
Learn more about your ad choices. Visit megaphone.fm/adchoices

Apr 18, 2025 • 39min
5 Career Rules You Need Now (Especially in This Economy)
In a world of layoffs, AI disruptions, and career burnout, it's never been more critical to take control of your professional life. In this episode, Erika Ayers Badan—author of Nobody Cares About Your Career—breaks down the five simple (but powerful) actions you need to succeed at work: do the work, always be learning, build your network, make time to think, and have a clear vision for your career.We dive deep into what it really means to own your career path, how to stay grounded when things feel uncertain, and why a strong money mindset is a must if you want to be paid what you’re worth. This is your real-world, no-fluff blueprint for building a meaningful career—even when everything around you feels chaotic.What You’ll Learn:
The five essential actions that lead to career success
How to create a clear career vision and direction
The right way to network for real growth
What to do when layoffs or job changes hit
How to set boundaries and create true work-life balance
Why your mindset about money affects your professional future
Get Erika’s book Nobody Cares About Your Career - https://www.erikaayersbadan.com/book Learn more about your ad choices. Visit megaphone.fm/adchoices

Apr 17, 2025 • 47min
Women and Wealth: Why the Financial Industry Is Failing Female Investors (And What Needs to Change)
By 2030, women will control over $30 trillion in wealth—but the financial industry still hasn’t caught up. Despite this massive shift, many female investors feel underserved, unheard, or outright ignored by traditional financial advice. So what gives?In this episode of Everyone’s Talkin’ Money, Shannah and Shari are joined by Cary Carbonaro—award-winning Certified Financial Planner™, Women & Wealth Ambassador at Ashton Thomas, and author of the soon-to-be-released Women and Wealth—to uncover exactly where the industry is falling short and how to fix it.We cover:
Why 67% of female investors feel misunderstood by their advisors
How to attract and retain female clients through better communication
Behavioral finance tools every advisor should be using with women
Breaking outdated gender assumptions in financial planning
Why Women and Wealth is the playbook the industry needs right now
If you're a woman navigating wealth—or a financial pro ready to serve women better—this episode is your wake-up call.Grab Cary’s new book Women and Wealth: A Playbook to Empower Clients and Unlock Their Fortune (Wiley)Learn more about Cary and her work: https://www.carycarbonaro.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Apr 15, 2025 • 34min
Why You Shouldn’t Celebrate Your Tax Refund (And What to Do Instead)
Getting a big tax refund might feel like winning the financial lottery—but spoiler alert: it’s not free money, it’s a sign you’ve been giving the IRS an interest-free loan all year. In this episode, I’m breaking down the financial reality behind your tax refund and showing you how to flip the script for long-term money power.We’ll talk about why owing taxes isn’t always a bad thing, how to adjust your withholdings the smart way, and what to do with that extra cash in your paycheck (hint: it’s time to put your money to work). You’ll walk away with practical strategies to pay less in taxes, avoid those painful surprises in April, and finally take control of your tax season like a boss.Whether you’ve been counting on that refund or dreading your tax bill, this episode will change the way you think about the IRS—and your own money habits—for good.In this episode, you’ll learn:
Why tax refunds aren’t “bonus” money
How to adjust your W-4 to keep more cash throughout the year
What to do if you owe taxes—and how to avoid panic
Strategies to maximize tax-advantaged accounts like 401(k)s and HSAs
How to use your tax return data to break even next year
Where to put your “found money” so it builds wealth instead of disappearing
Love what you're hearing? Be sure to rate and review the show. Also, don't keep us a secret, share this episode with a friend! Want to have even more fun?! Follow Shari on Instagram at @everyonestalkinmoney Learn more about your ad choices. Visit megaphone.fm/adchoices

Apr 11, 2025 • 39min
Surviving Life’s Most Expensive Phases Without Losing Your Mind
Life isn’t just expensive — it’s strategically expensive. From college debt to first apartments, weddings, babies, buying homes, midlife career chaos, and finally retirement, every life phase hits your wallet harder than the last.In this episode of Everyone’s Talkin’ Money, Shari breaks down the five (plus!) biggest financial phases you'll face — and how to survive each one without spiraling into panic mode.You’ll learn:How to avoid student loan traps and budget through the broke college yearsWhy your first paycheck isn’t as big as it looks — and how to adult without going brokeThe real cost of weddings, homes, and babies (hint: it’s more than your Pinterest board thinks)How to financially prepare for midlife chaos — career pivots, aging parents, and rising healthcare costsWhy retirement isn’t a finish line — it’s a decades-long phase you need to plan for nowWhether you’re knee-deep in bills, spotting life changes on the horizon, or helping someone else navigate their journey, this episode is your practical guide to building financial confidence through every stage.Tune in, take notes, and share with a friend who needs a financial BFF in their corner.Because no one should go through these expensive phases alone. Learn more about your ad choices. Visit megaphone.fm/adchoices