For generations, it may have felt like financial struggle was your family’s inheritance. But what if you were born to break the cycle and build generational wealth that lasts?

In today’s episode of Her Money with Reese, we’re talking about breaking generational poverty, ending paycheck-to-paycheck living, and building lasting wealth through biblical stewardship, intentional budgeting, and disciplined action.

A 20-year study by the The Williams Group found that 70% of wealthy families lose their wealth by the second generation and 90% lose it by the third. The issue wasn’t bad investments. It was a breakdown in trust, communication, and financial education.

If you grew up hearing “we can’t afford that,” if debt and financial anxiety shaped your early beliefs, you may have inherited more than habits — you may have inherited a mindset. The good news? Anything learned can be unlearned.

In this episode, I share:

• 3 spiritual keys to shift from scarcity to abundance • How to change your financial identity • Why forgiveness frees you to build differently • How to create a zero-based budget • A simple plan to eliminate high-interest debt • How to automate savings and investing • Why teaching your children about money is the key to lasting legacy

This is not just about becoming a millionaire. It’s about becoming the cycle breaker in your family.

The chain is broken. The cycle ends with you.

If you’re ready to take your next step toward peace and clarity with your money, here are a few ways I can support you:

📥 Download my free guide: 10-Minute Budget Reset https://hermoneywithreese.com/the-10-minute-budget-reset-322971

📘 Read my book: Living Within Your Means: Embracing Financial Reality https://www.amazon.com/dp/9798320052342

💬 Work with me one-on-one via Zoom If you’re looking for clarity, direction, and a calm plan for your finances, I offer Financial Clarity Consultations designed to meet you exactly where you are.

• For Individuals: https://hermoneywithreese.com/financial-clarity-consultation--individual

• For Couples: https://hermoneywithreese.com/financial-clarity-consultation-couple

Grab your free short scripture guide to help you pause, calm fear, and anchor your heart in God’s truth during a financial crisis https://hermoneywithreese.com/financial-emergency-scripture-anchor-5656

God bless you on your financial journey.

Hi friend. This prayer is for the woman who is tired of seeing the same struggles repeat in her family the same financial stress, the same lack, the same fear passed down generation after generation.

This is a prayer for breaking generational curses, restoring wisdom, and declaring that it stops with you.

In this prayer, I lift up the sister who feels like she can never quite get ahead… the one who has watched paycheck-to-paycheck living, debt, anxiety, and scarcity pass through her family line like an inheritance.

We pray boldly for God to break financial bondage, uproot generational lies, renew her mind, and replace fear with clarity and peace. We declare that she is not cursed by lack but called to stewardship, called to lead, and called to change her entire family tree.

This is a prayer for discipline, wisdom, and order. A prayer to give every dollar a purpose, to build stability little by little, and to stay consistent even when progress feels slow.

If you’ve ever felt the weight of being the one who has to change things… this prayer is for you.

You are not stuck. You are not behind beyond repair. You are the cycle breaker. You are the beginning of generational wealth.

If this prayer spoke to you, I invite you to respond from identity not emotion. Let this be the moment where fear stops and wisdom begins.

Amen.

Have you tried the 50-30-20 rule, the envelope system, or every budgeting app only to feel like you keep failing? If so, this episode is for you.

In this episode, Theresa “Reese” Bartelle, Certified YNAB Coach and Certified Financial Coach, shares why traditional budgeting methods often don’t work for real people and why the problem was never you. After years of living paycheck to paycheck, managing household finances alone, and feeling constant guilt and anxiety around money, Reese discovered that most budgeting systems fail because they work against human psychology.

You’ll learn why rigid rules, restriction, and perfectionism create burnout, conflict, and shame—especially in marriage and how scarcity mindset, all-or-nothing thinking, and fear sabotage even the best intentions. Reese explains how the YNAB method (You Need A Budget) addresses these root issues by focusing on mindset first, then structure.

In this episode, Reese breaks down the four YNAB rules in a practical, real-life way: • Give every dollar a job • Embrace your true expenses • Roll with the punches • Age your money

You’ll hear how these rules transform budgeting from a punishment into a flexible, empowering plan one that helps couples communicate better, reduce financial anxiety, and finally escape the paycheck-to-paycheck cycle.

Reese also shares a simple 3-step action plan you can start today to regain control of your money, build confidence, and move toward abundance without guilt or shame.

If you’ve ever believed you were “bad with money,” this episode will help you see the truth: budgeting isn’t about willpower it’s about using the right method with the right mindset.

📌 Next Steps: • Start YNAB’s free trial • Schedule a guided YNAB setup with Reese for accountability and extra support • Email: [email protected]

You are not bad with money. You just needed a system that works with you—not against you.

If you’re ready to take your next step toward peace and clarity with your money, here are a few ways I can support you:

📥 Download my free guide: 10-Minute Budget Reset https://hermoneywithreese.com/the-10-minute-budget-reset-322971

📘 Read my book: Living Within Your Means: Embracing Financial Reality https://www.amazon.com/dp/9798320052342

💬 Work with me one-on-one via Zoom If you’re looking for clarity, direction, and a calm plan for your finances, I offer Financial Clarity Consultations designed to meet you exactly where you are.

• For Individuals: https://hermoneywithreese.com/financial-clarity-consultation--individual

• For Couples: https://hermoneywithreese.com/financial-clarity-consultation-couple

Grab your free short scripture guide to help you pause, calm fear, and anchor your heart in God’s truth during a financial crisis https://hermoneywithreese.com/financial-emergency-scripture-anchor-5656

You don’t have to figure this out alone. Clarity brings peace and I would be honored to walk with you.

If you’ve tried every budgeting method—the 50/30/20 rule, the envelope system, multiple apps—and you still feel like you keep failing, this prayer is for you. You are not bad with money. You are not broken. And you are not alone.

In this episode of Her Money with Reese, I’m praying for the woman who is tired of starting over, tired of feeling discouraged when she looks at her bank account, and tired of believing the lie that something is wrong with her. This prayer speaks directly against shame, guilt, fear, and scarcity and asks God for peace, wisdom, and a fresh start that fits real life.

We pray for clarity instead of confusion, stewardship instead of shame, and progress instead of perfection. We also pray for unity in marriage, calm money conversations, and a budget that becomes a tool for peace not pressure.

If this prayer encouraged you, make sure you subscribe so you don’t miss the next episode. In the next video and podcast, I’ll share the method that helped my husband and me finally stick to a budget without guilt, stress, or constantly starting over.

If you’re ready to take your next step toward peace and clarity with your money, here are a few ways I can support you:

📥 Download my free guide: 10-Minute Budget Reset https://hermoneywithreese.com/the-10-minute-budget-reset-322971

📘 Read my book: Living Within Your Means: Embracing Financial Reality https://www.amazon.com/dp/9798320052342

💬 Work with me one-on-one via Zoom If you’re looking for clarity, direction, and a calm plan for your finances, I offer Financial Clarity Consultations designed to meet you exactly where you are.

• For Individuals: https://hermoneywithreese.com/financial-clarity-consultation--individual

• For Couples: https://hermoneywithreese.com/financial-clarity-consultation-couple

Grab your free short scripture guide to help you pause, calm fear, and anchor your heart in God’s truth during a financial crisis https://hermoneywithreese.com/financial-emergency-scripture-anchor-5656

You don’t have to figure this out alone. Clarity brings peace and I would be honored to walk with you.

Maybe it’s a phone call, a letter, or a diagnosis and suddenly your finances feel like they’re falling apart. In this episode, I’m walking you through a biblical roadmap for what to do next so you can breathe again and move with wisdom does not panic.

Hey sis, before you make one frantic decision, I need you to hear this: God has not forgotten you. This moment might feel like an ending, but biblically it can be a turning point a moment where you stop relying on uncertain strength and start relying on God’s certainty.

Inside this episode, we walk step-by-step through what to do when a financial crisis hits:

• Acknowledge God as your Source (not your job, savings, or investments) and shift from ownership to stewardship.
• Seek wisdom first through prayer and godly counsel, so panic doesn’t lead your decisions.
• Create a crisis budget that protects your essentials first (food, utilities, shelter, transportation).
• Avoid the debt trap and resist fear-based borrowing that creates long-term bondage.
• Work diligently in faith, trusting God with the results while you take wise action.
• Cultivate contentment and generosity, even in tight seasons because God’s economy is different from the world’s.

If you’re in the middle of a storm, this is for you. You’re not alone and you don’t have to navigate this with fear. You can walk through it with faith, structure, and peace.

If you’re ready to take your next step toward peace and clarity with your money, here are a few ways I can support you:

📥 Download my free guide: 10-Minute Budget Reset https://hermoneywithreese.com/the-10-minute-budget-reset-322971

📘 Read my book: Living Within Your Means: Embracing Financial Reality https://www.amazon.com/dp/9798320052342

💬 Work with me one-on-one via Zoom If you’re looking for clarity, direction, and a calm plan for your finances, I offer Financial Clarity Consultations designed to meet you exactly where you are.

• For Individuals: https://hermoneywithreese.com/financial-clarity-consultation--individual

• For Couples: https://hermoneywithreese.com/financial-clarity-consultation-couple

You don’t have to figure this out alone. Clarity brings peace and I would be honored to walk with you.

Fear is loud when a financial crisis hits but you don’t have to carry this alone. Press pause, take a deep breath, and let’s pray for peace, provision, and clear direction.

When a financial crisis hit an unexpected bill, a scary phone call, a medical situation, or sudden loss fear can take over fast. In this prayer episode of Her Money with Reese, I’m praying directly for you: for peace in your mind, calm in your body, and wisdom for the next step—just the next step.

We’re coming against panic, shame, and fear-based decisions and asking God for provision that comes with peace, not pressure. This prayer is for the woman who feels overwhelmed, afraid, and unsure how she’ll make it through. You’ll also be reminded that your identity is not tied to your bank account your worth was settled at the cross.

If this prayer encouraged you, subscribe so you don’t miss the next episode, where I’ll walk you through a biblical roadmap and practical steps to help you move through a financial crisis with clarity and confidence.

If you’re ready to take your next step toward peace and clarity with your money, here are a few ways I can support you:

📥 Download my free guide: 10-Minute Budget Reset https://hermoneywithreese.com/the-10-minute-budget-reset-322971

📘 Read my book: Living Within Your Means: Embracing Financial Reality https://www.amazon.com/dp/9798320052342

💬 Work with me one-on-one via Zoom If you’re looking for clarity, direction, and a calm plan for your finances, I offer Financial Clarity Consultations designed to meet you exactly where you are.

• For Individuals: https://hermoneywithreese.com/financial-clarity-consultation--individual

• For Couples: https://hermoneywithreese.com/financial-clarity-consultation-couple

Grab your free short scripture guide to help you pause, calm fear, and anchor your heart in God’s truth during a financial crisis. https://hermoneywithreese.com/financial-emergency-scripture-anchor-5656

You don’t have to figure this out alone. Clarity brings peace and I would be honored to walk with you.

Stop Overspending on Amazon: 5 Steps to Cut Your Purchases by 70%

Amazon isn’t “just convenient” it can quietly drain your budget one brown box at a time. In this episode, I’ll walk you through my 5-step system to cut Amazon spending by over 70% and take back your financial peace.

Hello my friend—I'm Theresa (Reese), a Certified Financial Coach and Certified YNAB Coach. In this episode, I’m sharing the exact 5-step system I used after a painful look at my Amazon order history because overspending doesn’t usually come from being “bad with money.” It comes from habits, convenience, and impulse spending that adds up fast.

In this episode, you’ll learn how to:

1. Do a Brutal Truth Audit of your Amazon order history (without shame just clarity)
2. Use the 30 Day List Rule to stop impulse buys
3. Shop with a mission, not for entertainment
4. Turn Amazon into a savings tool using Subscribe & Save the right way (bundle essentials + stack coupons)
5. Protect your budget with a quick Monthly Check In so you don’t overbuy or overpay

Action step: Choose one of the five steps and do it today your future self will thank you.

If this episode helped you, subscribe, leave a review, and share it with a friend who needs to stop the “late-night cart” cycle.

Download my Free guide: 10-Minute Budget Reset - https://hermoneywithreese.com/the-10-minute-budget-reset-322971

My quick read living within your reality can be purchased at - Living Within Your Means: Embracing Financial Reality: Bartelle, Theresa: 9798320052342: Amazon.com: Books

Keywords:

Welcome to your Monday prayer. If you’ve been feeling pressure around money and you keep telling yourself “I’m done spending,” but the cart keeps filling back up this prayer is for you.

Today we’re praying for clarity, self-control, and the strength to pause before you purchase. We’re asking God for a sound mind, peace over emotional spending, and discipline that feels like protection not punishment.

This prayer is for the woman who isn’t spending because she’s careless… she’s spending because she’s tired, overwhelmed, and trying to keep life running. If shopping has become a form of relief, this is your moment to breathe and come back to God for wisdom and grace.

Come back Thursday I’m sharing a simple tool to stop Amazon from draining your money without willpower and without shame. You’re going to learn how to pause, set a lane, and take your peace back.

Download my Free guide: 10-Minute Budget Reset - https://hermoneywithreese.com/the-10-minute-budget-reset-322971

My quick read living within your reality can be purchased at: Living Within Your Means: Embracing Financial Reality: Bartelle, Theresa: 9798320052342: Amazon.com: Books

Discipline isn’t punishment it’s protection. In today’s episode, Theresa “Reese” Bartelle (Certified Financial Coach + Certified YNAB Coach) shares how Christian women can stop chasing peace through “more money” and start building peace through order, boundaries, and consistent stewardship.

If you’ve been tired, overwhelmed, or stuck in emotional spending cycles, this message will help you reframe discipline as love in action not guilt, not pressure. We’ll talk about why peace is built through diligence, why budgeting is direction (not restriction), and how creating “walls” like a budget and a starter emergency fund can keep peace in and chaos out.

✨ In this episode you’ll learn:

• Why peace doesn’t come from avoiding money it comes from order
• How discipline helps you stop letting emotions run your spending
• Why budgeting is protection, not punishment
• The “walls” every woman needs: budget + savings + consistency
• How to start small and stay faithful without burnout

Join the private Facebook group: Financially Fearless Wives ( https://www.facebook.com/share/g/16296epAAS/ )

Download the free Budget Reset: (https://hermoneywithreese.com/the-10-minute-budget-reset-322971)

Start your week with a powerful Monday prayer for steady strength, discipline, and peace with money. If you’ve been trying to build new habits, stay consistent, and stop letting emotions lead your spending, this prayer will bless you. We’re asking God to order our thinking, priorities, and financial decisions—helping us say “no” with wisdom, release perfection, and walk in clarity and freedom through biblical stewardship.

Download my Free guide: 10-Minute Budget Reset - https://hermoneywithreese.com/the-10-minute-budget-reset-322971