Are budgets making you feel trapped instead of empowered? In this episode of Everyone’s Talkin’ Money, Shari sits down with Rachel Duncan, a financial therapist and founder of the Money Healing Club, to discuss why traditional budgeting often backfires — and how to break free from the binge-and-restrict cycle for good. Rachel reveals how emotional spending can spiral into spending addiction, why self-compassion is the missing link in most financial plans, and how to create a spending plan that actually aligns with your life.

You’ll hear:

Ready to take the first step toward financial healing? Rachel is offering 50% off the Money Healing Club for all listeners for their first month. Just use the code TALKIN at MoneyHealingClub.com and start transforming your money mindset today.

You’ll walk away learning: 

Rethinking budgeting can lead to financial peace.

Emotional triggers play a significant role in spending habits.

Flexibility in financial planning is crucial for success.

Understanding needs versus wants is essential for budgeting.

Spending addiction often stems from emotional triggers.

Self-compassion is a key skill in financial management.

Traditional budgeting methods can lead to burnout.

Planning for annual expenses can prevent financial stress.

Open conversations about money can reduce shame.

Creative solutions can help maintain social connections while spending less.

And don’t forget to connect with us on Instagram @everyonestalkinmoney for daily money mindset tips, behind-the-scenes content, and episode updates.

Tune in, take notes, and get ready to rethink your relationship with money. Because financial healing isn’t about restriction — it’s about building a plan that actually works for you.

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In this episode of Everyone’s Talkin’ Money, I’m joined by Kara Stevens—founder of The Frugal Feminista, personal finance coach, and unapologetic advocate for women healing their relationship with money.

Kara opens up about her journey from earning six figures while buried in $65K of debt to building a life centered around emotional well-being, financial clarity, and aligned values. We talk about how money avoidance shows up in sneaky ways, why emotional spending isn’t just about impulse, and how to demolish debt without feeling like you’re in financial lockdown.

You’ll hear:

We also dive into Kara’s approach to parenting around money, navigating side hustles while holding a 9-to-5, and the mindset shifts that turn shame into strategy.

Whether you’re staring down your own debt, trying to break a financial cycle, or just ready to feel more in control of your money—this conversation is a must-listen.

You'll walk away knowing:

Resources & Links: Heal Your Relationship With Money by Kara Stevens

Visit Kara at The Frugal Feminista

Follow @frugalfeminista on Instagram

Don't miss out on any of the money talkin' fun! Follow us on Instagram @everyonestalkinmoney

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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.

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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

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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:

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.

Learn more about Elizabeth Ralph: Website: thespiritualinvestor.com

Podcast: The Spiritual Investor Podcast

Instagram: @elizabethralph 

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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:

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:

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.com

Learn more about her book Are you Ready? How to Build a Legacy to Die For

 Rethinking Death.Life podcast

Connect with me (Shari!) on Instagram: @everyonestalkinmoney

Subscribe to Everyone’s Talkin’ Money and leave a review if this episode moved you

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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:

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:

Follow us on Instagram @everyonestalkinmoney

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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:

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.com

Get the Book: 

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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:

Get Erika’s book Nobody Cares About Your Career - https://www.erikaayersbadan.com/book 

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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:

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

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