The REAL Cost of Starting Over — Emotionally & Financially
Description
This week on The Extreme Personal Finance Show, I sit down with my longtime friend and fellow entrepreneur, Jessica McCarthy, who’s been through the fire — and lived to tell the tale.
After a life-altering separation, Jess found herself solo-parenting five kids, rebuilding from scratch, and navigating the brutal combo of emotional overload and financial stress. No handouts. No roadmap. Just grit, strategy, and a whole lot of budgeting.
We talk about the real cost of starting over — not just dollars and cents, but the psychological weight of leaving behind a life you once knew. Jess shares the sleepless nights, the surprise expenses (like replacing everything when setting up a new home), and how becoming her own boss gave her the freedom and control she needed.
Whether you're a single parent, thinking about making a bold move, or just feeling stuck — this one’s for you. You’ll hear real talk on:
Managing money when every dollar counts
Getting your mind right after separation
Entrepreneurial freedom when 9-to-5 won't cut it
How to tap into resources built for single moms
Why therapy isn’t optional — it’s oxygen
Takeaways:
Starting over ain’t easy — but it’s possible
Planning isn’t optional. It’s survival
Budget for the unexpected (and then double it)
Mindset is your secret weapon
Don’t be afraid to ask for help
Self-care and laughter matter more than ever
There are tools, communities, and support — go find them
Sound Bites:
"Just go have fun with your kids."
"You already know what you need to do."
"Get into therapy. It's crucial."
Chapters:
00:00 – The Emotional and Financial Cost of Starting Over
02:25 – Navigating Financial Independence as a Single Parent
06:34 – Mindset Shifts After Separation
09:29 – Unexpected Expenses of Single Parenthood
13:20 – Setting Up a New Home: Costs and Strategies
18:22 – Regaining Control Through Entrepreneurship
20:05 – Utilizing Resources for Single Parents
23:39 – Advice for Women Considering a Fresh Start
Contact Chris:
https://heavymetal.money
https://www.facebook.com/MoneyHeavyMetal
https://x.com/MoneyHeavyMetal
https://www.instagram.com/chrisluger
https://www.tiktok.com/@heavymetalmoney
email: chris at heavymetal.money
Connect with Jess:
https://www.facebook.com/Jess.McCarthy26
LinkedIn
https://www.linkedin.com/in/jessica-mccarthy-a2849780/
Resources and Links:
Margie's Kitchen & Cocktails
https://www.margies-kitchen.com/menu
Handmade in Minnesota Rustic L Shaped Shelf with or Without Painted Mason Jar
Round-the-clock service, advocacy and shelter for all victims of violence
https://www.alexandrahouse.org
United States
