Financially Speaking

Join Dr. Tonya M. Evans on "Confidently Crypto" as she demystifies the world of digital assets and explores the intrinsic value of Bitcoin. Dive into insightful discussions on the future of finance, the role of cryptocurrencies, and the evolving landscape of digital economies. Whether you're a crypto enthusiast or a curious newcomer, this podcast offers clarity and confidence in navigating the digital asset economy. Subscribe now to stay informed and empowered in the world of crypto. Visit Dr. Evans' website at: www.ProfTonyaEvans.comFollow her socials: @IPProfEvansTo listen to more of Dr. Tonya Evans' Podcasts, Visit: https://proftonyaevans.com/podcasts/ Strategic Advisor | Digital Assets & Regulatory PolicyAdvantage Evans, LLC 📖 Author: Digital Money Demystified | Electing Crypto🎙️ Host: Confidently Crypto on SiriusXM🔗 Connect: ProfTonyaEvans.com📬 Subscribe: FinTech News & Trends Report Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

“If you want to go fast, go alone. If you want to go far, go together.” — African proverbIn today’s episode, "Here’s an Uncomfortable Idea: Want More Success? Be Less Independent," host Jacquette offers candid and vulnerable insight into why fierce independence may actually be holding you back.She challenges the myth that success is a solo pursuit, urging listeners to lean into interdependence instead. Nothing thrives in isolation—not even nature. True growth comes from collaboration, delegation, and the sharing of wisdom. If you want to succeed in money, business, and life, embrace the people and resources that fuel your journey. Independence has its place, but when paired with interdependence, it becomes a force strong enough to overcome even the toughest obstacles.Financial Behaviorist Jacquette M. Timmons explores the psychology, emotions, and math of money each week so that you can make better, smarter choices regardless of where you fall on the income or wealth spectrum. #money #financialbehaviorist #jacquettetimmons #financialgrowthFor Clarity: https://www.jacquettetimmons.com/1-1-coachingwww.jacquettetimmons.comwww.jacquettetimmons.com/digital-productswww.instagram.com/jacquettemtimmonsBuyMeACoffee.com/Jacquette Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Five crypto companies just got the keys to federal banking. The OCC granted national trust bank charters to Ripple, Circle, BitGo, Fidelity Digital Assets, and Paxos—and that's never happened before. Dr. Tonya M. Evans explains what this actually means, how it ties to the GENIUS Act, and why it matters if you've ever been denied a loan, hit with predatory fees, or told banking "isn't for you." Visit Dr. Evans' website at: www.ProfTonyaEvans.comFollow her socials: @IPProfEvansTo listen to more of Dr. Tonya Evans' Podcasts, Visit: https://proftonyaevans.com/podcasts/ Strategic Advisor | Digital Assets & Regulatory PolicyAdvantage Evans, LLC 📖 Author: Digital Money Demystified | Electing Crypto🎙️ Host: Confidently Crypto on SiriusXM🔗 Connect: ProfTonyaEvans.com📬 Subscribe: FinTech News & Trends Report Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

We can obsess over worst‑case scenarios; doomsday preppers prove that. But what if the real challenge isn’t surviving failure… it’s embracing and sustaining success? Every new level of success calls you to step into new roles, embrace growth, and rise higher than before. In today’s episode, “How Well Do You Prepare for the Success You Want?”, host Jacquette defines success and introduces the "mask of success." This mask, although figurative, can be used as a real tool that empowers, protects, and transforms. When worn with intention, the mask empowers rather than confines.So, tune in today and use some of the energy spent bracing for failure to, instead, prepare for success!Financial Behaviorist Jacquette M. Timmons explores the psychology, emotions, and math of money each week so that you can make better, smarter choices regardless of where you fall on the income or wealth spectrum. #money #financialbehaviorist #jacquettetimmons #financialgrowthwww.jacquettetimmons.comwww.jacquettetimmons.com/digital-productswww.instagram.com/jacquettemtimmonsBuyMeACoffee.com/Jacquette  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Tune in to a throwback episode from Dec. 23, 2024, where Dr. Evans breaks down the fundamentals of crypto in regards to coins vs. tokens! Visit Dr. Evans' website at: www.ProfTonyaEvans.comFollow her socials: @IPProfEvansTo listen to more of Dr. Tonya Evans' Podcasts, Visit: https://proftonyaevans.com/podcasts/ Strategic Advisor | Digital Assets & Regulatory PolicyAdvantage Evans, LLC 📖 Author: Digital Money Demystified | Electing Crypto🎙️ Host: Confidently Crypto on SiriusXM🔗 Connect: ProfTonyaEvans.com📬 Subscribe: FinTech News & Trends Report Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

 If the word "cryptocurrency" makes you want to run for cover, it’s time to flip that fear into curiosity and courage. Today’s episode, "Digital Money Demystified: A Conversation," is your invitation to step into clarity and possibility.Host Jacquette sits down with multifaceted guest Dr. Tonya Evans, author of Digital Money Demystified, to deliver a masterclass that brings humanity into the often-intimidating world of digital money. Together, they reveal that crypto isn’t just about technology; it’s about access, imagination, and empowerment. They break down the invisible walls of fear, misinformation, and doubt that keep so many from exploring this space, showing how education, security, and diversification can unlock doors to opportunity.This isn’t just about money; it’s about reshaping futures and closing the wealth gap. So, tune in, trust yourself, and open your mind to a world where possibility becomes power.Financial Behaviorist Jacquette M. Timmons explores the psychology, emotions, and math of money each week so that you can make better, smarter choices regardless of where you fall on the income or wealth spectrum. #money #financialbehaviorist #jacquettetimmons #financialgrowthwww.jacquettetimmons.comwww.jacquettetimmons.com/digital-productswww.instagram.com/jacquettemtimmonsBuyMeACoffee.com/Jacquette Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

This is a throwback to episode 1 of Confidently Crypto on Financially Speaking! Chief Learning Optimizer and author of "Digital Money Demystified," Dr. Tonya Evans, introduces her weekly Monday series on Financially Speaking called, 'Confidently Crypto.' Visit Dr. Evans' website at: www.ProfTonyaEvans.comFollow her socials: @IPProfEvansTo listen to more of Dr. Tonya Evans' Podcasts, Visit: https://proftonyaevans.com/podcasts/ Strategic Advisor | Digital Assets & Regulatory PolicyAdvantage Evans, LLC 📖 Author: Digital Money Demystified | Electing Crypto🎙️ Host: Confidently Crypto on SiriusXM🔗 Connect: ProfTonyaEvans.com📬 Subscribe: FinTech News & Trends Report Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Remember the pure joy of being a kid—running outside, laughing, and playing until sunset? Back then, missing out on play felt like the harshest punishment. Well, guess what? It’s time to bring that magic back!On today’s episode of "The Power of Play – Building Resilience in Body, Mind, and Money," host Jacquette teams up with Behavioral Change Health Coach Janet Omstead to invite you to rediscover the transformative power of play. Janet shares insights from her inspiring book "The Play Book," offering new perspectives on what it really takes to embrace change. This isn’t just about fun; it’s about reclaiming your health, energy, and financial resilience through small, intentional daily steps.If you’ve ever felt stuck or overwhelmed by busy schedules, this conversation will flip the script. You’ll learn how curiosity, consistency, and a playful spirit can redefine success and help you thrive in every area of life. So, get ready because it’s time to PLAY your way to a stronger body, sharper mind, and smarter money moves!Financial Behaviorist Jacquette M. Timmons explores the psychology, emotions, and math of money each week so that you can make better, smarter choices regardless of where you fall on the income or wealth spectrum. #money #financialbehaviorist #jacquettetimmons #financialgrowthwww.jacquettetimmons.comwww.jacquettetimmons.com/digital-productswww.instagram.com/jacquettemtimmonsBuyMeACoffee.com/Jacquette Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Bitcoin dropped from its all-time high of $126,210 to around $84,700—its worst month in two years. While retail investors panic-sell, institutional investors like Abu Dhabi's sovereign wealth fund are quietly buying the dip. So who's really losing here?In this episode of Confidently Crypto, Dr. Tonya M. Evans breaks down why this crash created the single biggest tax-saving opportunity of 2025—and why it expires December 31st. Dr. Evans explains tax-loss harvesting: a legal strategy that allows you to sell assets at a loss, offset your capital gains, and potentially save thousands on your tax bill. She reveals why crypto's unique tax treatment (no wash sale rule—yet) gives investors an advantage that stock traders don't have. The episode also provides critical historical context: Bitcoin has crashed 30%+ at least seven times, and every single crash has been followed by a recovery to new all-time highs. With only 21 million Bitcoin ever to exist—and 94% already in circulation—scarcity is built into the code. Unlike the dollar, no one can print more Bitcoin out of thin air. Dr. Evans encourages listeners to adopt a long-term perspective, think like institutional investors, and use this moment strategically rather than emotionally. She provides a step-by-step year-end action plan, breaks down new 2025 IRS per-wallet tracking requirements, and offers practical advice for navigating the current market conditions.Don't crash out in the crash. Cash in.Visit Dr. Evans' website at: www.ProfTonyaEvans.comFollow her socials: @IPProfEvansTo listen to more of Dr. Tonya Evans' Podcasts, Visit: https://proftonyaevans.com/podcasts/ Strategic Advisor | Digital Assets & Regulatory PolicyAdvantage Evans, LLC 📖 Author: Digital Money Demystified | Electing Crypto🎙️ Host: Confidently Crypto on SiriusXM🔗 Connect: ProfTonyaEvans.com📬 Subscribe: FinTech News & Trends Report Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In today’s episode, “Innovation Isn’t an Event — It’s a Practice” with Innovation Architect Carla Johnson, host Jacquette invites us into a transformative conversation that redefines innovation: not as a flash of genius, but as a way of life.Together, they explore the powerful parallels between innovation and money, revealing how our mindset, habits, and everyday choices shape both. Carla shares how observation fuels creativity, and how anyone can become an innovator by practicing curiosity, courage, and intentionality.If you’ve ever felt stuck or unsure how to spark change, this episode is your invitation to shift your perspective and unlock your creative power. Tune in and start cultivating your inner innovator—one bold thought at a time.Financial Behaviorist Jacquette M. Timmons explores the psychology, emotions, and math of money each week so that you can make better, smarter choices regardless of where you fall on the income or wealth spectrum. #money #financialbehaviorist #jacquettetimmons #financialgrowthwww.jacquettetimmons.comwww.jacquettetimmons.com/digital-productswww.instagram.com/jacquettemtimmonsBuyMeACoffee.com/Jacquette Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Africa isn't catching up on crypto—it's leading. Dr. Tonya M. Evans talks with Mimi Kufuor, CEO of KoinKoin Ghana, about building a digital asset platform driven by utility, not speculation. Mimi shares her journey from Meta to African fintech, explaining why stablecoins prevent money from fluctuating in everyday transactions, how KoinKoin doubled revenues to £150 million across Nigeria, Ghana, Kenya, and South Africa, and what it means to advocate for women in tech leadership while bridging traditional finance and decentralized ecosystems. This conversation challenges American assumptions about where real crypto innovation is happening. Subscribe and share with anyone who needs this perspective. Visit Dr. Evans' website at: www.ProfTonyaEvans.comFollow her socials: @IPProfEvansTo listen to more of Dr. Tonya Evans' Podcasts, Visit: https://proftonyaevans.com/podcasts/ Strategic Advisor | Digital Assets & Regulatory PolicyAdvantage Evans, LLC 📖 Author: Digital Money Demystified | Electing Crypto🎙️ Host: Confidently Crypto on SiriusXM🔗 Connect: ProfTonyaEvans.com📬 Subscribe: FinTech News & Trends Report Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

What if your outcome wasn’t a reflection of effort, but of something deeper—something you define yourself? In today’s episode, "A Harvest Isn't Always What You Planted," host Jacquette challenges the conventional wisdom that hard work equals worth. She invites you to explore a more honest truth: the harvest always reveals what truly took root, whether or not it was what you intended to sow. So, instead of labeling outcomes as “good” or “bad,” she urges us to, instead, examine what grew—and why. Because in that raw honesty lies the real lesson.Financial Behaviorist Jacquette M. Timmons explores the psychology, emotions, and math of money each week so that you can make better, smarter choices regardless of where you fall on the income or wealth spectrum. #money #financialbehaviorist #jacquettetimmons #financialgrowthwww.jacquettetimmons.comwww.jacquettetimmons.com/digital-productswww.instagram.com/jacquettemtimmonsBuyMeACoffee.com/Jacquette Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Confidently Crypto, Dr. Tonya Evans explores the current state of the cryptocurrency market and its connection to the broader economy, particularly in light of recent actions by the Federal Reserve. She draws parallels between today's economic conditions and the 2008 financial crisis, emphasizing the importance of Bitcoin as a response to systemic failures in traditional finance. The episode highlights the need for education and preparation in navigating the evolving financial landscape, advocating for financial sovereignty through understanding and engagement with digital assets.Visit Dr. Evans' website at: www.ProfTonyaEvans.comFollow her socials: @IPProfEvansTo listen to more of Dr. Tonya Evans' Podcasts, Visit: https://proftonyaevans.com/podcasts/ Strategic Advisor | Digital Assets & Regulatory PolicyAdvantage Evans, LLC 📖 Author: Digital Money Demystified | Electing Crypto🎙️ Host: Confidently Crypto on SiriusXM🔗 Connect: ProfTonyaEvans.com📬 Subscribe: FinTech News & Trends Report Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In todays episode, Dr. Tisa is joined by Melanie Mason, MS, MBA, Director of Programs and Administration for the Maryland Center for Collegiate Financial Wellness. Melanie is also a realtor and founder of Mason Consulting Company, a boutique firm that provides services to higher education institutions, nonprofits and small businesses. Together they share the do's and don'ts of funding your college experience! Tisa Silver Canady, EdD, MBA, is a financial wellness advocate for today’s scholar. As an author and collegiate financial wellness expert specializing in student loan debt, she has personally advised students and families on the repayment of more than $100 million in student loans.  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Ideas don’t just arrive; they evolve. It’s the quiet, often invisible choices—the ones no one else notices—that ultimately shape the "Big Decision." In today’s episode, “The Power of the Choices You Make That Others Don’t See,” host Jacquette dives into the three truths about our choices: your intention, your impact, and your why. Tune in to see why these truths reveal the power behind every subtle choice we make.Financial Behaviorist Jacquette M. Timmons explores the psychology, emotions, and math of money each week so that you can make better, smarter choices regardless of where you fall on the income or wealth spectrum. #money #financialbehaviorist #jacquettetimmons #financialgrowthwww.jacquettetimmons.comwww.jacquettetimmons.com/digital-productswww.instagram.com/jacquettemtimmonsBuyMeACoffee.com/Jacquette Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Confidently Crypto, Dr. Tonya M. Evans sits down with Peter Frimpong Manso, convener of the Digital Assets Summit Africa (DASA), to unpack how digital assets are transforming Africa’s financial future. Drawing on 15 years of supply chain and procurement experience at BP and Fujitsu, Peter reframes crypto as critical financial infrastructure—not speculation. Together, they explore Ghana’s leadership through the Bank of Ghana’s crypto licensing framework, the need for regulation that fuels innovation rather than just policing risk, and how Africa’s $5.6 billion digital assets market by 2025 could unlock real financial inclusion. Peter shares how DASA brings together central banks, regulators, stock exchanges, and institutional investors to shape the continent’s digital economy—and why this annual platform is essential for advancing financial sovereignty and “resistance money” across Africa. Visit Dr. Evans' website at: www.ProfTonyaEvans.comFollow her socials: @IPProfEvansTo listen to more of Dr. Tonya Evans' Podcasts, Visit: https://proftonyaevans.com/podcasts/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

As the iconic movie line reminds us, “Life is like a box of chocolates; you never know what you're gonna get.” And sometimes, what you get isn’t what you hoped for, but that doesn’t mean the story ends there. In today’s episode, “The Result Wasn't What I Wanted: But, I'm Not Discouraged,” host Jacquette dives into the power of embracing disappointment, not as defeat, but as a stepping stone. She invites listeners to honor their feelings, recognizing disappointment as a natural, fleeting emotion that can offer valuable insight. With a simple shift in perspective, we can turn setbacks into fuel, keep discouragement at bay, and tap into the wisdom that every moment, sweet or bittersweet, has to offer.Financial Behaviorist Jacquette M. Timmons explores the psychology, emotions, and math of money each week so that you can make better, smarter choices regardless of where you fall on the income or wealth spectrum. #money #financialbehaviorist #jacquettetimmons #financialgrowthwww.jacquettetimmons.comwww.jacquettetimmons.com/digital-productswww.instagram.com/jacquettemtimmonsBuyMeACoffee.com/Jacquette Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

How a Texas mother used crypto to escape financial abuse when traditional banks couldn't protect her.   Dr. Tonya Evans and Ali Tager from the National Cryptocurrency Association share real stories of everyday Americans finding financial freedom through digital assets. Discover why women and underserved communities are turning to cryptocurrency for privacy, autonomy, and wealth building beyond Wall Street. Ali reveals NCA's crypto holder survey findings and new educational tools launching soon, including a risk-free simulator for beginners. This conversation delivers practical guidance on getting started confidently, from setting up wallets to understanding what makes crypto different from traditional finance. Visit Dr. Evans' website at: www.ProfTonyaEvans.comFollow her socials: @IPProfEvansTo listen to more of Dr. Tonya Evans' Podcasts, Visit: https://proftonyaevans.com/podcasts/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Dr. Tisa explains three facts about student loan forgiveness under Trump, how the headlines often miss the point, and what borrowers can expect now that the administration has agreed to resume processing loan forgiveness! Tisa Silver Canady, EdD, MBA, is a financial wellness advocate for today’s scholar. As an author and collegiate financial wellness expert specializing in student loan debt, she has personally advised students and families on the repayment of more than $100 million in student loans. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In moments of doubt, your choices reveal what you truly value, fear, and prioritize. In today’s episode of “When Life Is Messy, Do You Ever Wonder if You're Being Tone Deaf?” Jacquette explores what it means to lead with clarity, compassion, and conviction, even when life feels a bit off-kilter, or "messy." Tune in to learn how to stop second-guessing your impact and start trusting the power you bring.Financial Behaviorist Jacquette M. Timmons explores the psychology, emotions, and math of money each week so that you can make better, smarter choices regardless of where you fall on the income or wealth spectrum. #money #financialbehaviorist #jacquettetimmons #financialgrowthwww.jacquettetimmons.comwww.jacquettetimmons.com/digital-productswww.instagram.com/jacquettemtimmonsBuyMeACoffee.com/Jacquette Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.