Everyone's Talkin' Money

So many smart, successful women are running companies, leading teams, and managing full lives… yet flying blind when it comes to their own household finances. Not because they’re clueless, but because money is quiet when you ignore it — and trust feels easier than clarity. In this episode, Shari breaks down the real reason high-earning women get financially blindsided and the three guardrails every woman needs to stay informed, secure, and empowered. Then forensic accountant Tracy Coenen joins the conversation to reveal what she sees behind the scenes: the blind spots, red flags, and financial dynamics that quietly derail even the most capable women. Whether you’re single, partnered, or somewhere in between, this conversation will help you protect your money, strengthen your confidence, and take back control without creating relationship drama or adding one more thing to your mental load. You’ll walk away with: – The #1 reason smart women get blindsided financially – The three essential “Money Guardrails” every woman needs – How comfort turns into vulnerability (and how to stop it) – The red flags Tracy sees most often in high-asset households – How to talk about money in relationships without damaging trust – Simple routines to stay informed, independent, and protected Learn how Shari works with her clients by visiting GWAwealth.com. 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 Part 2 of this intimate conversation, Shari continues her discussion with Carl Richards, the New York Times “Sketch Guy.” If Part 1 was about the behavior behind money, Part 2 is about the beliefs behind your life. Carl opens up about how his simple sketches began, how a single comment from his wife reshaped his entire career, and why permission—not math—is often the missing piece in big financial and life decisions. He shares unforgettable stories, including the woman who left her prestigious Wall Street law job to return home and help her father run the family farm—because Carl granted her the “permission” she already had inside her. Shari and Carl also dig into fear, impostor syndrome, our inherited money stories, and why most of us wait far too long to trust what we know is true about our lives. This is the kind of conversation you don’t just listen to—you feel it. You’ll walk away with: – Why permission is often the bridge between intention and action – The emotional patterns that keep people stuck – How fear shows up at every major life moment – The story behind Carl’s famous sketches – The one money belief Carl would give his 25-year-old self – Shari’s own reflections on her younger self —and what she wishes she knew Shari closes the episode by sharing how Carl’s influence shaped her practice, her philosophy, and the human-centered way she guides clients inside GWA Wealth. Explore more episodes at everyonestalkinmoneypodcast.com. 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

Money doesn’t behave the way math does—and no one knows that better than today’s guest, Carl Richards, the New York Times “Sketch Guy” and author of The Behavior Gap. In Part 1 of this powerful two-part series, Shari Rash, sits down with Carl to unpack the exact moment he realized that investing is less about spreadsheets and more about psychology, fear, wiring, and real-life behavior. Carl shares the story of stumbling into finance by accident, landing on the trading floor during the Netscape IPO frenzy, and discovering firsthand that humans—not numbers—drive markets. Together, Shari and Carl explore why smart, capable people still buy high, sell low, and spiral during market chaos… and what it actually takes to become a better investor. If you’ve ever wondered why the “right financial move” can feel impossible in the moment, this episode will make you exhale. The problem isn’t you—it’s human nature. You’ll walk away with: Why money decisions rarely follow logic How your hardwiring pushes you toward emotional investing What it really means to become a “good investor” Carl’s “Deeper Yes” framework to avoid panic-selling How Shari uses this work inside GWA Wealth to help clients stay grounded This episode is deeply personal for Shari—Carl’s work shaped her entire approach to financial planning—and Part 1 sets the stage for an even more transformative conversation in Part 2. Listen to Behavior Gap Radio. And if you’re ready to build a plan that honors both your numbers and your humanity, connect with Shari Rash on Instagram @everyonestalkinmoney. Learn more and listen to past episodes at everyonestalkinmoneypodcast.com. 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! Learn more about your ad choices. Visit megaphone.fm/adchoices

Is a recession coming? Maybe. But here’s the truth: the only recession that really matters is the one happening in your household. In this candid, practical conversation, Shari Rash and financial coach Dylan Snowden reframe “Recession Core” from a fashion trend into a living, breathing money protocol. You’ll learn how to strip out the hidden “cost of comfort,” build sustainable habits you won’t abandon by February, and prepare for income dips without living like a monk. You’ll hear: Why “personal recession” planning beats doom-scrolling economic headlines The “cost of comfort” leaks (parking, water bottles, drinks out) that quietly drain your budget Borrow > buy: tool libraries, Buy Nothing groups, and building community while saving cash DIY vs. pay the pro: when expertise is cheaper than mistakes A simple weekly “say no” rep to build your money boundaries If you loved this episode, keep the money convo going at everyonestalkinmoneypodcast.com— and join our newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices

The most rewarding money move you can make before December 31st isn’t a tax hack, an investment tweak, or a budgeting trick — it’s generosity. But not the chaotic, guilt-driven kind that leaves you staring at your credit card bill wondering what happened. We’re talking intentional, values-aligned giving that feels good, makes sense financially, and creates real impact. In this episode, Shari breaks down how to build a year-end giving plan that’s thoughtful, strategic, and completely aligned with what matters most to you. From setting a realistic giving budget to choosing between cash, stuff, or experiences, to vetting charities and teaching kids the meaning of generosity — this is your blueprint for giving with clarity instead of pressure. You’ll hear: How to set a values-based giving budget that actually feels good The difference between gifting stuff, gifting cash, and gifting experiences — and why one is almost always best How to vet nonprofits so your contribution makes real impact Ways to teach kids (and family) the habit of intentional generosity A step-by-step year-end generosity checklist you can use today If you’re ready to end the year feeling aligned, not drained — this one’s 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

The penny has officially been laid to rest — and while most of us won’t shed a tear, its retirement marks a surprisingly big moment in how America handles money. In this quick update, I’m walking you through what happened to the penny, why the U.S. finally pulled the plug, and what this tiny change means for your wallet and the future of cash. You’ll hear: Why the U.S. Mint stopped making pennies and how much money it saves How other countries (like Canada) ditched their low-value coins decades ago What rounding rules mean for your everyday purchases Why this signals a major shift toward a digital-first financial system What to do if you still have jars of pennies hiding in your house A little funeral, a little financial education, and a lot of clarity about where money is heading next. 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 open enrollment season makes your eyes glaze over faster than a holiday spreadsheet, this one’s for you. In Part 3 of the Smart Money Moves Before Year-End series, Shari dives into all the hidden ways you can squeeze more value out of your paycheck before December 31. From health plans to hidden perks, this is your reminder that benefits are part of your compensation — and it’s time they pulled their weight. You’ll walk away with: A step-by-step guide to reviewing your health, dental, and vision plans The real difference between FSAs and HSAs (and how to use them wisely) A strategy for planning your bonus before it hits your account A quick insurance checkup to make sure you’re covered, not overpaying The overlooked perks most people forget they already have access to Because if you’re going to work this hard for your benefits, they should be working just as hard 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

What happens after the awareness? After you stop spending on autopilot… how do you start building on purpose? In part two, Shari connects money mindfulness to business-building — and why your exit number should be based on the life you actually want, not what Instagram says counts as “success.” Guest Kathryn Finney returns to share how she grew her blog into a real media company, figured out her number, and made the hard call to sell it — even though she could’ve made more by staying. She also breaks down the difference between a startup and a small business (spoiler: you don’t have to build to sell) and why clarity is more profitable than hype. This is your episode if you’re sitting on a side hustle, business, or creative project and wondering: “Do I grow this… or let it go?” 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

We don’t always spend because we’re “bad with money.” We spend because we’re human — grieving, stressed, lonely, or trying to feel in control. In this episode, Shari breaks down emotional spending as a signal, not a flaw, and shows you how to start asking the one question that changes everything: “What am I actually trying to feel right now?” Then you’ll hear from Kathryn Finney, who was shopping to cope after losing a parent… and ended up turning that emotional spending into The Budget Fashionista, one of the earliest successful fashion blogs. You’ll hear how she redirected that energy, why she started asking “does this match my values?” and how mindful purchasing can actually make you happier. Perfect if you’ve ever looked at your bank statement and thought, “This isn’t even who I am.” 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

Simple, legal, and smart ways to shrink your tax bill while boosting your wealth. If you’ve ever filed your taxes in April and thought, “Well… I wish I’d known that sooner,” this episode is your redo moment. In Part 2 of the Smart Money Moves Before Year-End series, Shari breaks down the strategic moves you can still make before December 31 that could literally save you hundreds — or even thousands — next year. Be sure to consult with your tax professional before implementing any of these strategies. You’ll walk away with: A checklist of five smart tax moves to make before year-end Simple steps to lower your taxable income (without complicated math) Smart strategies for charitable giving, retirement contributions, and benefits usage The confidence to approach tax season feeling proactive, not panicked Because you can’t time the market — but you can time your tax bill. 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

It’s time for your money’s annual checkup — and no, there’s no waiting room or copay required. In this first episode of our Smart Money Moves Before Year-End series, Shari walks you through a four-part year-end audit to help you see exactly where your money went, what worked, and what needs a little TLC before the clock strikes midnight on December 31st. You’ll walk away with: A clear picture of where your money actually went this year One spending category to rein in before January A strategy to finish the year saving smarter (not harder) A confidence boost that comes from knowing exactly where you stand Because your future self doesn’t need another “I’ll figure it out in January.” She needs clarity — and that starts today. 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

It’s time to turn confidence into ownership. In the final episode of the Financial Confidence Bootcamp, we’re breaking down the world of investing — minus the Wall Street jargon and overwhelm. Because investing isn’t just for finance bros and millionaires. It’s for anyone who wants their money to grow quietly in the background while they live their life. You’ll learn how to simplify your investing decisions, overcome the fear of “doing it wrong,” and build a portfolio that works for your real life — not someone else’s. You’ll walk away with: A simple, 3-step framework to start investing (even if you feel clueless) The truth about fear, confidence, and analysis paralysis Exactly where to start — from 401(k)s to Roth IRAs to brokerage accounts How to automate your investments so growth happens on autopilot What “staying the course” really means when the market gets bumpy This episode will leave you thinking, “I can actually do this.” Because you can — and it’s time you did. Part 1 - Budgeting That Actually Fits Your Life Part 2- How to Tackle Debt — Without Cutting Coffee, Joy, or Your Sanity Part 3- Save Like You Mean It! 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

For too long, financial advice came with strings attached — confusing titles, hidden commissions, and “suitable” recommendations that didn’t always serve you. But the future of financial planning looks a lot different. In this episode, I’m joined by Lori Atwood, CFP®, founder of Fearless Finance, to unpack the evolution from sales-driven advice to fiduciary, fee-for-service financial planning. We get real about what fiduciary actually means, why hourly advice is changing the game, and how women can finally get help with their money — without the pressure or the pitch. You’ll walk away with: The real difference between “suitable” and fiduciary advice (and why it matters for your money) How hourly planning makes expert advice more accessible — and judgment-free The emotional side of money that most advisors completely overlook Why financial adulting isn’t about perfection — it’s about peace of mind If you’ve ever wondered whether your advisor is really acting in your best interest, this episode will help you ask the right questions — and take back control of your financial decisions. 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

Why do smart people still fall into debt traps? The truth is, debt is marketed to us in ways to exploit our psychology. We underestimate the true cost of borrowing, overestimate our ability to pay, and let lenders hide the fine print in plain sight. In this episode, Shari sits down with John Dinsmore—Professor of Marketing at Wright State University and author of The Marketing of Debt: How They Get You. Together, they unpack the marketing tricks and mental blind spots that keep people swiping, tapping, and signing up for loans they may regret later. Talkin’ Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. ⁠Sign up here.⁠ You’ll hear: Why your “future self” isn’t as financially heroic as you think How irregular expenses—not daily bills—fuel most credit card debt The hidden dangers of “0% interest” offers and long-term car loans Why paying with cash feels painful (and tapping to pay feels too good) The most important step you can take today to avoid debt traps If you’ve ever wondered why debt feels so easy to get into—and so hard to get out of—this episode will give you the insight (and strategies) you need to outsmart the marketing of debt. Talkin’ Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here.  Follow John on X https://x.com/jdinsmore 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.  Learn more about your ad choices. Visit megaphone.fm/adchoices

What happens when technology meets money mindset? In this conversation, Elizabeth Ayoola — writer, finance expert, and co-host of NerdWallet’s Smart Money Podcast — shares how she went from writing $8 articles as a new mom to building lasting financial freedom. We get into how AI is reshaping personal finance, why emotional awareness still beats automation, and what it really takes to feel confident with your money — no spreadsheets required. You’ll walk away with: A smarter way to think about AI’s role in your financial life How to choose tools that actually support your habits and goals Why mindset (not math) drives lasting wealth A practical framework for building confidence with your money Want more real talk like this — plus practical tips to help you use what you hear on the show? Sign up here for Talkin' Points, a weekly newsletter with smart, judgment-free money insights delivered straight to your inbox. 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.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Part 1 - Budgeting That Actually Fits Your Life Part 2- How to Tackle Debt — Without Cutting Coffee, Joy, or Your Sanity We’re rewriting the story of saving today — because saving isn’t about restriction, it’s about freedom. It’s about building a life where unexpected expenses don’t derail you, where opportunities don’t slip by because you’re unprepared, and where your money quietly works for you in the background without constant effort. In this episode, I’m walking you through the three-tier savings system I use with clients to turn saving from something you “should” do into something that just happens — automatically and effortlessly. We’ll talk about why saving feels so hard (hint: the system is stacked against you), how to reframe it as an act of self-care, and the exact steps to automate your way to financial peace of mind. You’ll walk away with: A new mindset about saving — one rooted in freedom, not deprivation 3-tier savings strategy that makes your money work for real life Practical tips for setting up automation and removing decision fatigue A quarterly “money check-in” routine to keep your goals on track Tools and apps that make saving practically effortless This is the episode that helps you stop overthinking and start building financial confidence — one automated transfer at a time. 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.  Learn more about your ad choices. Visit megaphone.fm/adchoices

If you’ve ever felt like the stock market was a boys’ club you weren’t invited to, this episode is about to change that. Diana Perkins — CPA, investor, and founder of Trading with Diana — joins Shari to break down why trading isn’t as intimidating as it looks, how women’s natural strengths give them an investing edge, and the simple, practical steps you can take to start building wealth through the markets. They get real about the psychology of trading, emotional decision-making, and why confidence matters more than capital. You’ll learn how to separate feelings from strategy, avoid the most common (and costly) beginner mistakes, and why financial literacy is one of the most powerful forms of self-care. You’ll walk away with: A clear understanding of what trading actually is — and why it’s not just for Wall Street pros. The truth about how much money (and time) you really need to get started. Practical strategies to manage risk, control emotions, and trade with confidence. A fresh perspective on how trading income can transform your financial independence — and your career options. 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. Learn more about your ad choices. Visit megaphone.fm/adchoices

This isn’t a conversation you hear every day. In fact, most people will never talk about it out loud. But money—whether you have too much or not enough—always brings feelings with it: guilt, pressure, shame, confusion. In this powerful episode, I sit down with Chase Collins, a fifth-generation trust fund inheritor and the founder of Trust Your Trust Fund. Chase opens up about the real emotional cost of inherited wealth: the guilt of receiving money you didn’t earn, the isolation of being treated like a walking dollar sign, and the identity crises that come with trying to define your worth outside your bank account. You’ll hear: What it feels like to inherit money… and still feel completely lost. How Chase’s family history—spanning Texaco, massive real estate losses, and generational silence—shaped his financial beliefs. The most common emotional and behavioral mistakes trust fund inheritors make. How to create your own financial identity when you’ve been labeled “the heir” or “the trust fund baby.” Why inherited guilt can quietly sabotage your ability to live a meaningful life—and how to move through it. The difference between giving out of guilt… and giving from alignment. Whether you’ve inherited wealth, expect to one day, or are simply curious about the hidden dynamics of money and family legacy, this episode will challenge what you think you know about “having it all.” 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.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Most of us think money mistakes are big, obvious moves — but more often, it’s the small, everyday decisions that quietly drain our wealth. In this final episode of 40 Money Lessons at 40, Shari uncovers the subtle ways we sabotage our financial progress and shows you how to spot, stop, and redirect those habits. Learn how to align your spending with your values, avoid common traps, and make every dollar work harder for the life you want. In this episode, you’ll learn: Why “great deals” and clearance finds often cost more than they save. How to rethink social spending and avoid lifestyle creep. Practical strategies to buy quality over quantity and reduce financial regret. Ways to keep your money aligned with what truly matters — without deprivation. ⁠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 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

This is Part 2 of our Financial Confidence Bootcamp — Four Weeks. Four Habits. One Confident You. Check out Episode 1 of my Financial Confidence Bootcamp If you’ve been stuck in the debt shame spiral — avoiding statements, swiping with guilt, or believing you have to give up everything fun until you’re debt-free — this episode will change how you think about paying off what you owe. We’re breaking down exactly how to tackle debt without cutting out joy, living on rice and beans, or putting your life on hold. I’ll walk you through my full Debt Detox Framework, the same step-by-step process I use with clients to help them pay down thousands while still traveling, going out to dinner, and building a life they love. You’ll hear: Why debt isn’t a moral failure — and what it actually is The four-step plan to pay it off without burning out How to build a budget that includes guilt-free joy Simple systems and boundaries that keep you from sliding back into debt Debt isn’t the end of your financial story — it’s just one chapter. And by the end of this episode, you’ll know exactly how to turn the page with confidence. 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