$HMONEY Radio

"Sometimes, having a little bit of scarcity helps you to see the value of your resources."  - Rachel Covert

Gain financial independence and retire early. Rachel Covert of @racheltalksmoney did this, but not without hardship.

At the end of her 15-year fashion career, Rachel was living her dream as the VP of a nine-figure fashion business. Then at 29, she was diagnosed with Rheumatoid arthritis and realized that she was working her ass off to climb the ladder, but by 65, she might not be physically able to due to her health.

At 36, Rachel discovered the FIRE movement (Financial Independence, Retire Early) and left her fashion career semi-retired with hundreds of thousands in investments. She also began to travel, but on each of her trips, she realized that most women she met lacked financial literacy - to the point that many didn't even realize they should know how to manage money. 

So, she started Rachel Talks Money and her signature coaching program, Electric FI Wealth, to teach women how to ditch the paycheck-to-paycheck cycle and build lasting, sustainable wealth. 

In this episode, we discuss: 

• Growing up in a frugal household 
• Her decision to retire early and how she did it at 36
• Falling in love with the FIRE movement 
• The privilege that comes with being able to walk away from work
• Meeting her partner on a personal finance dating website
• Realizing the lack of financial literacy and education women had on her travels
• Living with a chronic illness and maintaining financial well-being
• The cost of being chronically ill 
• The bandwidth needed to save money when sick 
• Financial avoidance when you're in a dark place
• Some of her top tips for women when it comes to making your money work for you
• Breaking the paycheck-to-paycheck cycle
• Why it's not always easy to save when you're six-figure earner
• The three pillars of her program: mindset, automation, and investing

And much more! 

To learn more about Rachel and her program or get in touch, tap or click HERE. 

To follow Rachel on social, tap or click HERE. 

To download Rachel's FREE money tracker, tap or click HERE. 

To get acquainted with your host, tap or click HERE.

To subscribe to The #SundayScroll ☕, Anastasia’s weekly newsletter, tap or click HERE.

To learn more about $HMONEY, visit shmoney.club and join us on...

Instagram: @shmoneyradio / @shmoneyhonies

Facebook: https://www.facebook.com/shmoneyradio

Sound credits: Levels by Yung Kartz ($HMONEY theme song - intro/outro music)

Edited and produced by Anastasia Barbuzzi, founder and creative director of $HMONEY ($HMONEY Radio).

Welcome back to the Hone Your Habits series! This bi-weekly supplement to $HMONEY's regularly scheduled episodes is inspired by David Bach's The Latte Factor, an ode to millennial money habits (like your daily latte).

Tune into bite-sized episodes for tips, tricks, and mindset shifts to help improve your financial literacy and money habits to live a healthier, happier lifestyle.

In today's episode, host Anastasia Barbuzzi discusses seven ways to responsibly use and build your credit as 2024 marks the 50th anniversary of the Equal Credit Opportunity Act, which gave women unrestricted access to credit, helping pave the way to financial freedom.

PSA: Financial inclusion makes all of us richer 💳✨

To read the seven tips in writing on the blog, tap or click HERE. 

To get acquainted with your host, tap or click HERE.

To subscribe to The #SundayScroll ☕, Anastasia’s weekly newsletter, tap or click HERE.

To learn more about $HMONEY, visit shmoney.club and join us on...

Instagram: @shmoneyradio / @shmoneyhonies

Facebook: https://www.facebook.com/shmoneyradio

Sound credits: Levels by Yung Kartz ($HMONEY theme song - intro/outro music)

Edited and produced by Anastasia Barbuzzi, founder and creative director of $HMONEY ($HMONEY Radio).

"Money is the one thing you can mess up and always come back to... It's just money."  - Mykail James

Money should be simple, so that's how Mykail James, a.k.a Boujie Budgeter, teaches it. 

When she got her first salary job at 22, Mykail went looking for financial education that she could relate to but couldn't find it. Left out of the money conversation as a young professional and sick of making terrible financial decisions, she took matters into her own hands by creating a platform and budgeting tools to help automate her finances and take the guesswork out of money.

Today, armed with an MBA, Mykail provides searingly sassy and funny social commentary, financial advice, and workshops millennials and Gen Zs can actually relate to. She's been featured in The New York Times, Business Insider, theSkimm, The Wall Street Journal, CNBC, Essence, and more. 

In this episode, we discuss: 

• Mykail's money story
• How our parents are our first money influences
• Her first forays into the world of personal finance 
• The importance of understanding the financial system early on 
• #FOM (Fear of Month) and money trauma 
• How her life changed when she got her finances under control 
• Why "messing up" is a meaningful part of getting good with money
• Why automation is QUEEN
• Why we need finfluencers to democratize personal finance further
• How to align your values with your spending 
• How patience leads to success 
• More about the financial workshops she offers

And more! 

To learn more about Mykail and follow her on social, tap or click HERE. 

To get acquainted with your host, tap or click HERE.

To subscribe to The #SundayScroll ☕, Anastasia’s weekly newsletter, tap or click HERE.

To learn more about $HMONEY, visit shmoney.club and join us on...

Instagram: @shmoneyradio / @shmoneyhonies

Facebook: https://www.facebook.com/shmoneyradio

Sound credits: Levels by Yung Kartz ($HMONEY theme song - intro/outro music)

Edited and produced by Anastasia Barbuzzi, founder and creative director of $HMONEY ($HMONEY Radio).

Welcome back to the Hone Your Habits series! This bi-weekly supplement to $HMONEY's regularly scheduled episodes is inspired by David Bach's The Latte Factor, an ode to millennial money habits (like your daily latte).

Tune into bite-sized episodes for tips, tricks, and mindset shifts to help improve your financial literacy and money habits to live a healthier, happier lifestyle.

In today's episode, host Anastasia Barbuzzi discusses the importance of saving regardless of how tight things are. She also shares a mindful money exercise to help you prioritize your funds: "save on this, splurge on that."

To join the 2024 savings challenge, tap or click HERE. 

To get acquainted with your host, tap or click HERE.

To subscribe to The #SundayScroll ☕, Anastasia’s weekly newsletter, tap or click HERE.

To learn more about $HMONEY, visit shmoney.club and join us on...

Instagram: @shmoneyradio / @shmoneyhonies

Facebook: https://www.facebook.com/shmoneyradio

Sound credits: Levels by Yung Kartz ($HMONEY theme song - intro/outro music)

Edited and produced by Anastasia Barbuzzi, founder and creative director of $HMONEY ($HMONEY Radio).

"A 'Liberty Leave' is the act of giving yourself permission to take time and space to leave behind what doesn’t bring you liberty, for what does."  - Danica Nelson

Happy International Women's Day! There is no better time to share this week's conversation with Danica Nelson all about a significant key to our independence: liberating ourselves financially. After working in the marketing industry for 10+ years, she recently moved into full-time entrepreneurship as a creator and embarked on a mission to encourage what she's coined a Liberty Leave. 

Danica took her first trip outside of North America in 2014 to Thailand and fell in love with international travel. Since then, she's visited 25+ countries, including her first "Liberty Leave" trip, where she took six months off from work to solo travel to six countries in Asia. Currently, Danica is based in Malaga, Spain, on her Liberty Leave 2.0. 

In this episode, we discuss: 

• Her money story
• How she's working on and overcoming a scarcity mindset
• Her journey to earning six-figures
• Her first Liberty Leave and what it took to get there
• The value of solo travel 
• Life in Spain 
• Lifestyle changes she makes to prep for a Liberty Leave
• How to stop comparing yourself to others
• What to consider before committing to a big savings goal (like a Liberty Leave)
• Her favourite travel deal sites
• Money lessons she wishes she had known in her early 20s 
• The reality of being a full-time content creator and entrepreneur

And more!

To learn more about Danica, Liberty Leave, and follow her on social, tap or click HERE.

To get acquainted with your host, tap or click HERE.

To subscribe to The #SundayScroll ☕, Anastasia’s weekly newsletter, tap or click HERE.

To learn more about $HMONEY, visit shmoney.club and join us on...

Instagram: @shmoneyradio / @shmoneyhonies

Facebook: https://www.facebook.com/shmoneyradio

Sound credits: Levels by Yung Kartz ($HMONEY theme song - intro/outro music)

Edited and produced by Anastasia Barbuzzi, founder and creative director of $HMONEY ($HMONEY Radio).

Welcome back to the Hone Your Habits series! This bi-weekly supplement to $HMONEY's regularly scheduled episodes is inspired by David Bach's The Latte Factor, an ode to millennial money habits (like your daily latte).

Tune into bite-sized episodes for tips, tricks, and mindset shifts to help improve your financial literacy and money habits to live a healthier, happier lifestyle.

In today's episode, host Anastasia Barbuzzi discusses a new trend we should all embrace: LOUD budgeting. It’s giving self-assurance; composure; sophistication 💅

To join the 2024 savings challenge, tap or click HERE. 

To get acquainted with your host, tap or click HERE.

To subscribe to The #SundayScroll ☕, Anastasia’s weekly newsletter, tap or click HERE.

To learn more about $HMONEY, visit shmoney.club and join us on...

Instagram: @shmoneyradio / @shmoneyhonies

Facebook: https://www.facebook.com/shmoneyradio

Sound credits: Levels by Yung Kartz ($HMONEY theme song - intro/outro music)

Edited and produced by Anastasia Barbuzzi, founder and creative director of $HMONEY ($HMONEY Radio).

"Not only do we see more interest in financial literacy, but we hear it from different voices. That diversity is really key in helping to further democratize this information."  - Shannon Terrell

Today, more than half of Gen Z is using #FinTok (which now has more than 4.7 billion views on TikTok!) to explore personal finance content, so there's no better time for a deep dive into it. Financial expert, NerdWallet spokesperson, and writer Shannon Terrell joins the show to discuss: 

• How TikTok has captivated a young audience with finance content like no other platform has been able to
• The pros and cons of FinTok
• The regulation of personal finance content on TikTok
• How FinTok-ers are democratizing and making financial info more accessible
• Women on FinTok 
• Who to follow
• Financially questionable FinTok trends 
• How to do your due diligence on finfluencers
• How to spot red flags and what to watch out for 

And more! If you like this info-packed episode, share it with a TikTok-loving friend.

To learn more about Shannon and read her work on NerdWallet, tap or click HERE. 

To get acquainted with your host, tap or click HERE.

To subscribe to The #SundayScroll ☕, Anastasia’s weekly newsletter, tap or click HERE.

To learn more about $HMONEY, visit shmoney.club and join us on...

Instagram: @shmoneyradio / @shmoneyhonies

Facebook: https://www.facebook.com/shmoneyradio

Sound credits: Levels by Yung Kartz ($HMONEY theme song - intro/outro music)

Edited and produced by Anastasia Barbuzzi, founder and creative director of $HMONEY ($HMONEY Radio).

Welcome back to the Hone Your Habits series! This bi-weekly supplement to $HMONEY's regularly scheduled episodes is inspired by David Bach's The Latte Factor, an ode to millennial money habits (like your daily latte).

Tune into bite-sized episodes for tips, tricks, and mindset shifts to help improve your financial literacy and money habits to live a healthier, happier lifestyle.

In today's episode, host Anastasia Barbuzzi details the 2024 savings challenge and what makes it accessible and achievable for everyone.

To get the skinny on the challenge and download the savings template, tap or click HERE. 

To get acquainted with your host, tap or click HERE.

To subscribe to The #SundayScroll ☕, Anastasia’s weekly newsletter, tap or click HERE.

To learn more about $HMONEY, visit shmoney.club and join us on...

Instagram: @shmoneyradio / @shmoneyhonies

Facebook: https://www.facebook.com/shmoneyradio

Sound credits: Levels by Yung Kartz ($HMONEY theme song - intro/outro music)

Edited and produced by Anastasia Barbuzzi, founder and creative director of $HMONEY ($HMONEY Radio).

"I think when you change your mindset to 'something I have to do' to thinking about using your money as a tool, it becomes more exciting and empowering." - Holly, Minimalist Mindful Money

Want to end 2023 on a positive note? Listen to this episode with Holly of Minimalist Mindful Money.

Holly is on an inspiring mission to empower women to earn and invest more, and spend mindfully. She has a Bachelor's degree in Business with a major in Human Resources and a minor in Finance and works in Compensation full-time.

In her role, Holly ensures that employees are paid fairly and competitively for their work and skills. She is passionate about pay equity and ensuring that women are paid fairly compared to men, that women are successfully negotiating their worth for each job opportunity, and that we understand and maximize all the total rewards components offered through employment. 

In this episode, we discuss: 

• Debt aversion and money anxiety
• How a minimalist mindset can transform your finances
• Why we should give a damn about our finances and financial well-being 
• Realistic strategies for digging yourself out of a negative financial situation 
• Her work in Compensation and pay equity for women
• Benefits and programs many women are unaware of/not taking advantage of through employers
• Forgiving yourself for financial ebbs and flows 
• One way to save, earn, invest, and spend more mindfully in the New Year

And more. Note: Please forgive the background noise throughout the last two minutes of the episode. Technical difficulties!

To follow along with Holly on social, tap or click HERE.

To read Holly's blog, tap or click HERE. 

To get acquainted with your host, tap or click HERE.

To subscribe to The #SundayScroll ☕, Anastasia’s weekly newsletter, tap or click HERE.

To learn more about $HMONEY, visit shmoney.club and join us on...

Instagram: @shmoneyradio / @shmoneyhonies

Facebook: https://www.facebook.com/shmoneyradio

Sound credits: Levels by Yung Kartz ($HMONEY theme song - intro/outro music)

Edited and produced by Anastasia Barbuzzi, founder and creative director of $HMONEY ($HMONEY Radio).

"Women build wealth differently than men, and it's not because we shop too much."  - Janine Rogan

You don't want to miss this episode with the author of The Pink Tax: Dismantling A Financial System Designed to Keep Women Broke, Janine Rogan. Janine is an award-winning CPA, passionate keynoter, and TEDx speaker with a mission to educate and empower women to confidently and profitably grow their wealth through financial feminism - financial equality for all. She is also the Founder and CEO of The Wealth Building Academy Inc.

In this episode, we discuss: 

• Her experience as a woman accountant
• How women build wealth differently than men do
• The Pink Tax and what it looks like in Canada, plus how it's more expensive to be a woman
• How our financial system is designed to keep women broke
• How women subsidize men's careers by doing unpaid care work and how society undervalues it
• Our failure to provide people with the social support they need
• The motherhood penalty
• Mat "leave" and why it's not an accurate term
• The four foundations of financial feminism

And there are so many great takeaways and conversation starters throughout.

To learn more about Janine and follow her on social, tap or click HERE.

To order a copy of The Pink Tax, tap or click HERE.

To download Janine's 30 Actionable Steps To Get You On The Right Track Financially checklist, tap or click HERE.

To get acquainted with your host, tap or click HERE.

To subscribe to The #SundayScroll ☕, Anastasia’s weekly newsletter, tap or click HERE.

To learn more about $HMONEY, visit shmoney.club and join us on...

Instagram: @shmoneyradio / @shmoneyhonies

Facebook: https://www.facebook.com/shmoneyradio

Sound credits: Levels by Yung Kartz ($HMONEY theme song - intro/outro music)

Edited and produced by Anastasia Barbuzzi, founder and creative director of $HMONEY ($HMONEY Radio).