Everyone's Talkin' Money

In this episode, Shari sits down with Holly O’Neill, who has a front-row view of the financial behavior of 69 million clients, to unpack what Gen Z is really doing with their money and why it matters for every generation. From the rising cost of living and the true price of “adulting” to real-time balance checking, early saving habits, and the viral trend of loud budgeting, this conversation breaks down how 18- to 28-year-olds are navigating financial stress in a high-cost, digital-first world. You’ll hear what the data actually says about Gen Z and budgeting, saving, investing, dating, financial independence, and family support — and why this generation may be more proactive and financially aware than they get credit for. Holly also shares practical strategies that work at any age, including how to use the 50/30/20 budget, build an emergency fund, automate your savings, and control impulse spending without feeling deprived. If you’ve ever wondered whether Gen Z is behind or ahead financially, how their money mindset is reshaping relationships and long-term goals, and what their habits can teach you about reducing financial stress and building a life you can actually afford, this episode is your roadmap. If you’re ready for personalized, judgment-free financial guidance, learn more about working with Shari. Shari Rash is the founder of GWA Wealth, a virtual advisory firm helping women make confident, values-aligned decisions with their money. Visit GWA Wealth to explore your next step. Talkin’ Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here. Be sure to like and follow the show on your favorite podcast app!Keep the conversation going on Instagram @everyonestalkinmoney Learn more about your ad choices. Visit megaphone.fm/adchoices

You’re not stuck because you don’t know what to do with your money. You’re stuck because of who you believe you are with money. In this solo episode, we’re breaking down the real reason financial habits don’t stick: identity. Because you can download every budgeting app, read every investing book, and still self-sabotage if your internal story says, “I’m bad with money,” “I’m behind,” or “I just need to earn more.” We’re walking through the identity → beliefs → behaviors → outcomes cycle, the most common money identities women carry, and the inherited money stories that have been shaping your decisions for years — often without you realizing it. And then we get practical. You’ll learn how to shift your financial identity in small, repeatable ways so your habits finally feel natural instead of forced. Because real change doesn’t start with a new strategy. It starts with becoming a different version of yourself with money. You’ll hear: How your identity quietly determines your net worth Why traditional financial advice fails so many smart, capable women The most common money identities — and how they show up in everyday life How family, culture, and comparison shaped your money story A simple process to start rewriting your financial identity this week If you’re ready to stop white-knuckling your finances and start operating like the woman who feels calm, clear, and in control with money — this episode is for you. If you’re ready for personalized, judgment-free financial guidance, learn more about working with Shari. Shari Rash is the founder of GWA Wealth and the Host of Everyone’s Talkin’ Money. GWA Wealth is a virtual advisory firm helping women make confident, values-aligned decisions with their money. Visit GWA Wealth to explore your next step. Talkin’ Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here. Be sure to like and follow the show on your favorite podcast app! Keep the conversation going on Instagram @everyonestalkinmoney Learn more about your ad choices. Visit megaphone.fm/adchoices

Emotional spending isn’t a discipline problem — it’s a disconnection signal. In this episode, we’re rewriting the narrative around impulse purchases, Target runs, late-night checkouts, and “I deserve this” moments. Because you’re not bad with money — you’re trying to soothe stress, reward exhaustion, feel connected, or become a future version of yourself. And a budget alone can’t fix that. We break down the six most common emotional spending patterns, why self-control gets depleted when you’re burned out or lonely, and a simple pause practice that helps you identify what you actually need before you buy. This isn’t about never spending again. Joy is allowed. It’s about making sure your money is supporting your life instead of numbing it. Your homework this week: notice the urge, name the feeling, and get curious — no shame required. If you’re ready for personalized, judgment-free financial guidance, learn more about working with Shari. Shari Rash is the founder of GWA Wealth and the Host of Everyone’s Talkin’ Money. GWA Wealth is a virtual advisory firm helping women make confident, values-aligned decisions with their money. Visit GWA Wealth to explore your next step. Talkin’ Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here. Be sure to like and follow the show on your favorite podcast app! Keep the conversation going on Instagram @everyonestalkinmoney Learn more about your ad choices. Visit megaphone.fm/adchoices

February is when the internet floods your feed with couples budgets, joint accounts, and “how to stop fighting about spending” content. And that’s fine — if you’re building a financial life with a partner. But what if you’re not? Because single women are out here making six-figure decisions every single day without a built-in sounding board. You’re qualifying for mortgages solo. Funding your own retirement. Negotiating salaries, healthcare, rent, and contracts on your own. You’re the CEO, CFO, and entire board of directors of your financial life — and the financial stakes are higher because there’s no second income quietly absorbing the risk. And yet no one teaches you how to have the money conversations that actually shape your life. In this episode, we’re talking about the real financial relationships single women navigate — with friends, parents, employers, clients, roommates, co-parents, landlords, contractors, and even financial professionals — and how to communicate clearly, set boundaries, ask better questions, and advocate for yourself without apologizing, over-explaining, or shrinking your needs. Because money communication isn’t a relationship skill. It’s a life skill. And for single women, it’s a wealth-building skill. You’ll learn: How avoiding money conversations quietly costs you more when you’re the only income and safety net Why financial self-advocacy is really about autonomy and identity — not just dollars The six essential money conversations every single woman needs to have The exact language to use in high-stress situations (with friends, parents, employers, and more) How to ask for numbers instead of accepting vague “we’ll figure it out” energy The real financial advantage of building a life designed entirely around your own values This is your reminder that your financial life is not on pause while you wait for a partner. It’s happening right now. And the clearer, more confident you are in these conversations, the more intentional, protected, and powerful your life becomes. If you’re ready for personalized, judgment-free financial guidance, learn more about working with Shari. Shari Rash is the founder of GWA Wealth and the Host of Everyone’s Talkin’ Money. GWA Wealth is a virtual advisory firm helping women make confident, values-aligned decisions with their money. Visit GWA Wealth to explore your next step. Talkin’ Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here. Be sure to like and follow the show on your favorite podcast app! Keep the conversation going on Instagram @everyonestalkinmoney Learn more about your ad choices. Visit megaphone.fm/adchoices

Join Me Live: February 27 at Noon Eastern If money conversations feel complicated, heavy, or just plain confusing right now, this is for you. On Friday, February 27 at 12 PM Eastern, I’m hosting a live Q&A exclusively for Talkin’ Points newsletter subscribers. This is your chance to ask me anything — budgeting when money feels tight, navigating different money values in relationships, figuring out your next financial move, or untangling habits that aren’t actually about money. No fluff. No generic advice. Real questions. Real answers. Live. Whether you’re out of debt and wondering “now what?” or you’re in the messy middle trying to build momentum, this hour is about giving you clarity and direction you can actually use. The link to join is sent through my weekly Talkin’ Points newsletter, so make sure you’re subscribed to get access. Talkin’ Points → Sign up here. Come ready with your questions. I’ll come ready with honest answers. See you there. Learn more about your ad choices. Visit megaphone.fm/adchoices

When couples argue about money, chores, or who said what, it’s almost never just about the surface issue. Underneath, there are attachment needs, fears, and money stories bumping into each other—usually without either partner having the language for what’s really going on. In this episode, Shari Rash sits down with Dr. Jessica Higgins, host of the Empowered Relationship podcast, to unpack how couples can transform defensiveness, criticism, and shutdown into deeper connection. They talk about why “you always” and “you never” conversations backfire, how resentment builds when we keep “letting things go,” and why vulnerability is the missing ingredient in most money talks. They also dig into how money personalities clash inside relationships, how life events like buying a home or raising kids magnify unspoken fears, and what to do if every money conversation feels like a landmine. Instead of perfection, Jessica offers a realistic, step-by-step way to tiptoe into safer conversations and build new communication habits over time. You’ll walk away with: How to recognize when you’re operating from protection instead of vulnerability Why your partner’s criticism or control might actually be a sign of fear and insecurity A simple way to start lower-stakes money conversations and build trust before tackling the big stuff Tools to shift from “who’s right” to “how do we both feel safe, seen, and on the same team” If you’re ready for personalized, judgment-free financial guidance, learn more about working with Shari. Shari Rash is the founder of GWA Wealth and the Host of Everyone’s Talkin’ Money. GWA Wealth is a virtual advisory firm helping women make confident, values-aligned decisions with their money. Visit GWA Wealth to explore your next step. Talkin’ Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here. Be sure to like and follow the show on your favorite podcast app! Keep the conversation going on Instagram @everyonestalkinmoney Learn more about your ad choices. Visit megaphone.fm/adchoices

Talking about money shouldn’t feel like emotional CrossFit, but for most of us it does. In this episode, Shar breaks down why money conversations get so charged—and why it’s rarely about the numbers. You’ll learn the difference between money values and money logistics, how childhood money wiring shows up in adult decisions, and how to stop trying to solve emotional issues with spreadsheets. Shari walks through four common money personalities (the Avoider, the Optimist, the Controller, and the Security-Seeker), explains what happens when they clash, and gives you practical timing rules, language swaps, and curiosity scripts that keep conversations from turning into fights, shutdowns, or silent scorekeeping. Be sure to grab Shari's Money Conversation Guide to learn how talk about money without spiraling, shutting down or starting a fight (with yourself or anyone else). Whether you’re single, dating, partnered, married, cohabiting, or rebuilding after a breakup, this episode will help you communicate about money with more clarity, less defensiveness, and a lot more self-trust. If you’re ready for personalized, judgment-free financial guidance, learn more about working with Shari. Shari Rash is the founder of GWA Wealth and the Host of Everyone’s Talkin’ Money. GWA Wealth is a virtual advisory firm helping women make confident, values-aligned decisions with their money. Visit GWA Wealth to explore your next step. Talkin’ Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here. Be sure to like and follow the show on your favorite podcast app! Keep the conversation going on Instagram @everyonestalkinmoney Learn more about your ad choices. Visit megaphone.fm/adchoices

There’s a difference between being successful on paper and actually feeling free in your life. In this episode, I’m joined by Dani Lynn Robison, founder and CEO of Freedom Family Investments, for a conversation about money, identity, and the pressure so many women feel to keep pushing even when something feels off. We talk about how early money experiences shape the way we work, earn, and make decisions, why women struggle so much with hustle and burnout, and how to tell the difference between a true reinvention and simply chasing the next shiny thing out of exhaustion. Dani shares her path from cruise ship musician to real estate investor, what entering the industry during the 2008 financial crisis taught her, and why real wealth is often built through consistency and mastery rather than constant change. This conversation also digs into how women communicate about money inside relationships, careers, and even with themselves. We explore collaboration versus competition, redefining roles at home and at work, and what it really means to build wealth in a way that supports peace, freedom, and fulfillment instead of constant stress. If you’ve ever felt stuck despite doing “everything right,” or wondered whether it’s time for a pivot or just a more intentional path forward, this episode will hit home. Dani created a simple resource for our listeners designed to help you think more clearly about what financial freedom looks like for you. You can learn more at freedomfamilyinvestments.com/sharirash. Talkin’ Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here. Be sure to like and follow the show on your favorite podcast app!Keep the conversation going on Instagram @everyonestalkinmoney Learn more about your ad choices. Visit megaphone.fm/adchoices

Most money advice tells you to try harder, be more disciplined, or find a better system. But if that actually worked, you wouldn’t still feel stuck. In this episode, Shari breaks down why so many of your money habits have nothing to do with math and everything to do with stress, identity, and survival. You’ll learn the four behavioral patterns that quietly drive how you spend, save, avoid, and overthink money—and why none of them mean you’re bad with money. This conversation connects the dots between your nervous system and your financial behavior, so you can stop judging your outcomes and start understanding your patterns. By the end, you’ll have simple, practical ways to interrupt money habits without shame, perfectionism, or white-knuckling your way to change. If you ever overthink money decisions or avoid conversations you know you need to have, The Money Conversations Guide can help. It’s designed to help you slow the moment down, get grounded, and separate money choices from pressure or shame. Download the Money Conversation Guide Here. Talkin’ Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here. Be sure to like and follow the show on your favorite podcast app! Keep the conversation going on Instagram @everyonestalkinmoney Learn more about your ad choices. Visit megaphone.fm/adchoices

Setting financial goals is the easy part. Maintaining them when life gets busy is where most people get stuck. In this episode, Shari breaks down why motivation and discipline aren’t the problem—and why most money plans fall apart by March. You’ll learn how to shift from relying on willpower to building simple maintenance routines that keep you connected to your money without requiring constant attention. Shari walks through a realistic 10-minute weekly check-in, a 30-minute monthly review, and a quarterly reset that allows your goals and systems to adjust with your life. Download your Money Maintenance Map here. This episode is about visibility without stress, progress without burnout, and learning how to reset without shame when you fall off. If you want money routines that actually survive busy weeks, low-energy seasons, and real life, this episode shows you how to build them. Talkin’ Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here. Be sure to like and follow the show on your favorite podcast app! Keep the conversation going on Instagram @everyonestalkinmoney Learn more about your ad choices. Visit megaphone.fm/adchoices

Most money advice is either extreme restriction or delusional optimism. The truth is that real change happens in the middle, where you build systems that work with your actual lifestyle instead of the one you wish you had. This week, I’m joined by Jen and Jill from the Frugal Friends podcast to talk about why we overcomplicate money resets, how to spend based on what we truly value, and what “frugal” really means in 2026. We dig into the psychological reason we over-complicate New Year money goals, how values-based spending creates direction without deprivation, what the “radical middle” looks like in real life, the difference between being frugal and being restricted, and why paid-off debt and pretty spreadsheets aren’t a personality. If you’ve ever set a financial resolution in January and rage-bought something by February, this episode is for you. Talkin’ Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here. Be sure to like and follow the show on your favorite podcast app! Keep the conversation going on Instagram @everyonestalkinmoney Learn more about your ad choices. Visit megaphone.fm/adchoices

If you’re tired of setting money goals that quietly die somewhere between Valentine’s Day and tax season, this episode is your intervention. We’re talking about why traditional goal setting backfires, how shame-based goals sabotage progress, and what it really takes to set financial targets that fit your season of life—whether you’re growing, stabilizing, repairing, maintaining, or just trying to get through a major transition without losing your mind. Get your Supportive Money Goals Workbook here! You’ll learn the difference between aspirational goals (“max out my 401(k)”) and supportive goals (“increase my 401(k) by 1% each quarter”), why willpower is the least reliable financial strategy on earth, and how the One-Goal Rule keeps your cash flow focused long enough for you to actually win. By the end, you’ll walk away with money goals that are realistic, emotionally grounded, system-supported, and—most importantly—still alive in March. Because you don’t need more aggressive goals… you need goals that match your systems, your season, and your capacity. Talkin’ Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here. Be sure to like and follow the show on your favorite podcast app! Keep the conversation going on Instagram @everyonestalkinmoney Learn more about your ad choices. Visit megaphone.fm/adchoices

You can make great money and still feel like you’re constantly playing catch-up. You can hit a savings goal one month and have to pull it back out the next. You can earn a six-figure salary and still check your account before you swipe your card. That doesn’t mean you’re bad with money — it usually means your cash flow is broken. Get Your Cash Flow Map Here! In this episode, Shari breaks down why cash flow matters more than budgets, why financial goals fall apart even when you’re motivated, and the quiet structural issues that make high earners feel stressed, behind, or confused. She explains the five biggest cash flow killers (like income timing mismatch, floating lifestyle expenses, and savings without automation) and the simple framework for stabilizing cash flow so goals actually work in real life. This isn’t about cutting spending, skipping coffee, or trying harder. This is about fixing the foundation so your money moves in rhythm with your life instead of against it. If you’ve ever wondered where your money goes even though you’re not overspending, or why your goals never stick, this episode will make everything click. Talkin’ Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here. Be sure to like and follow the show on your favorite podcast app! Keep the conversation going on Instagram @everyonestalkinmoney Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Shari sits down with Jenn Lueke, the creator behind the viral budget grocery series that helped millions of people eat well for less. They discuss how grocery system failures quietly drain time and money, why meal planning is really an inventory problem, and how Jenn turned a January budget grocery video into a community, a cookbook, and a system that actually sticks. Get Jenn's book here: https://jenneatsgoood.com/cookbook/ Jenn breaks down how to build a realistic pantry, the plant-based and protein swaps that cut costs without sacrificing nutrition, how to shop without waste, and why homemade sauces are the sleeper money saver everyone misses. They also talk about inflation, food psychology, decision fatigue at dinner, and Jenn’s eight keys to success in the kitchen. Follow Jenn on Instagram @jenneatsgood Talkin’ Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here. Be sure to like and follow the show on your favorite podcast app!Keep the conversation going on Instagram @everyonestalkinmoney Learn more about your ad choices. Visit megaphone.fm/adchoices

Most people don’t struggle with money because they’re irresponsible. They struggle because their entire financial life is running on willpower and memory—which are terrible tools for long-term success. In this episode, Shari breaks down why motivation-based money management always collapses by March, and how to build real financial systems that actually stick. Does Your Money System Rely on Willpower or Memory? Get Your Money System here. Inside, we walk through the four core elements of a “sticky” money system—automation, boundaries, visibility, and realism—and why these matter more than discipline. You’ll learn how to design money flows that match your real income timing, energy cycles, and household complexity, instead of trying to fit your life into a one-size-fits-all budget. Shari also shares the Minimum Viable Money System: the lowest-lift, most functional framework for managing money without spreadsheets, shame, or perfection. If you’ve ever felt like you “should” be better with money but can’t seem to make habits stick, this episode will help you shift from trying harder to designing smarter. If you’re ready for money to feel supportive instead of exhausting, this is where it starts. Talkin’ Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here. Be sure to like and follow the show on your favorite podcast app! Keep the conversation going on Instagram @everyonestalkinmoney Learn more about your ad choices. Visit megaphone.fm/adchoices

Most financial advice was built by men, for men — and women have been expected to simply adapt. Spoiler: we haven’t, and we won’t. In this conversation with Lacy Garcia, founder & CEO of Willow, we get real about: Why women are about to control two-thirds of U.S. wealth How the industry talks about money vs. how women actually make financial decisions What women really want from financial advisors (hint: it’s not alpha charts) The messy middle of the industry finally changing What holistic planning really means beyond the buzzword How to know if an advisor is actually for you — or just painting everything pink This is the perfect January reset if you’ve been feeling like financial advice wasn’t built with your life in mind. Because the truth is, women are already reshaping the future of wealth — the industry is just catching up. Learn more about how my firm, GWA Wealth works with women who want to take control of their money. Talkin’ Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here. Be sure to like and follow the show on your favorite podcast app! Keep the conversation going on Instagram @everyonestalkinmoney Learn more about your ad choices. Visit megaphone.fm/adchoices

Every January, money becomes part of the New Year’s resolution conversation. Paying off debt, saving more, getting better with money. And while those goals are common, they’re usually not the real issue. In this episode of Everyone’s Talkin’ Money, Shari explains why money keeps showing up on your New Year’s resolution list year after year, and what that pattern is actually telling you about your financial life. This isn’t about discipline, motivation, or willpower. It’s about whether your money systems are designed for the life you’re actually living. If you feel like you’re constantly resetting your finances, starting over every January, or promising yourself that this year will be different, this episode will help you understand what’s really underneath that stress. Shari breaks down the root reasons money feels stuck, why resolutions often create relief without real change, and how outdated money systems can create frustration even when your income has grown. Get your Three-Question Money Audit Here! This episode kicks off our January series, New Money Year: Reset, Systems, Goals, and lays the foundation for building financial systems that actually work. Not for the life you had five years ago, but for the one you’re living now. If you’re tired of making the same money resolutions every year, this episode will help you stop trying harder and start building smarter Talkin’ Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here. Be sure to like and follow the show on your favorite podcast app!Keep the conversation going on Instagram @everyonestalkinmoney Learn more about your ad choices. Visit megaphone.fm/adchoices

If you’ve ever opened your banking app and felt your stomach drop — like the number on the screen said something about who you are — this episode is for you. Many of us have absorbed a quiet but destructive belief: that financial success equals personal value. That debt means you’re irresponsible. That renting means you’re behind. That earning less means you’re not trying hard enough. And that belief doesn’t just hurt emotionally — it shapes how we spend, save, work, and make decisions every day. In this episode, we pull that belief apart and put money back where it belongs. Your net worth is a number. It’s data. It is not a moral scorecard, a personality test, or a measure of your worth as a human being. We talk about where this belief comes from, how it shows up as money shame, avoidance, overspending, comparison, and fear-based decision making, and the real cost of living this way — lost peace, strained relationships, and the constant feeling of never being enough. Then we get practical. I walk you through how to separate the math from the meaning, how to look at your finances without spiraling, how to set boundaries and say no without over-explaining, and how to build a sense of worth that isn’t dependent on your bank balance, income, or credit score. This isn’t about pretending money doesn’t matter. It does. But it was never meant to define you. Money is a tool.You are the treasure. Talkin’ Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here. Be sure to like and follow the show on your favorite podcast app! Keep the conversation going on Instagram @everyonestalkinmoney Learn more about your ad choices. Visit megaphone.fm/adchoices

Shari is back with another Best of 2025 episode. This time we are talking Boring Money Moves, it is one of her 40 Money Moves at 40 episodes she released in September. Mindset matters — but without solid systems, it won’t get you very far. In this episode of 40 Money Lessons at 40, we’re talking about the unglamorous money moves that quietly build real stability. This is the stuff that doesn’t trend on Instagram but actually changes your financial life: paying yourself first, living one month ahead, setting up simple bank systems, and creating routines that remove stress instead of adding it. We’ll walk through why “leftover money” never works, how to stop feeling behind even when you’re earning more, and why boring consistency beats financial chaos every time. You’ll also hear how small structure creates freedom, how to avoid emotional spending traps, and why the right systems make confidence inevitable. If you’re ready to stop starting over and start feeling steady, this episode is your foundation. Catch all of her 40 at 40 episodes here: ⁠40 Money Lessons at 40 - Part 1⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠40 Money Lessons at 20 - Part 2⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠40 Money Lessons at 40 - Part 3⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠40 Money Lessons at 40 - Part 4⁠⁠⁠ ⁠⁠40 Money Lessons at 40 - Part 5⁠ Talkin’ Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here. Be sure to like and follow the show on your favorite podcast app! Keep the conversation going on Instagram If this episode hits home, share it with someone who needs a calmer approach to money. Tag me @everyonestalkinmoney and let me know what clicked. Build the foundation. Your future self will thank you. Learn more about your ad choices. Visit megaphone.fm/adchoices

Does the word “budget” still make your shoulders tense? Same. And that reaction isn’t a personal failing—it’s a sign that most budgeting advice was never built for real life. In this rereleased episode, we throw out the guilt, the restriction, and the rules that don’t stick, and replace them with a spending plan that actually works with how you live, earn, and decide. This conversation breaks down why traditional budgets tend to fall apart (hint: it’s not because you lack discipline) and how to build a values-based spending plan that supports growth, security, and joy—at the same time. You’ll learn how to identify what truly matters to you financially and how to align your spending with those priorities instead of fighting yourself every month. We walk through the Three-Bucket Spending Plan as a simpler, more human way to manage money without sacrificing the things you love or want to work toward. Shari also shares her own experience of breaking out of a scarcity mindset and why emotional spending has far more to do with unexamined beliefs and financial baggage than willpower. This episode reframes budgeting from something you “have to do” into a tool that helps you make intentional choices—so you can stop defaulting to “I can’t afford that” and start saying, “I’m choosing this.” If you’re tired of feeling guilty every time you spend, stuck in a cycle of overthinking your money, or ready to build wealth without burning out your nervous system, this episode is for you. Press play, rethink what a budget can be, and start creating a spending plan that finally feels supportive instead of suffocating. Talkin’ Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here. And don’t forget to keep the conversation going—follow us on Instagram @everyonestalkinmoney for more honest money mindset shifts and practical strategies you can actually use. Learn more about your ad choices. Visit megaphone.fm/adchoices