Just Another Money Podcast

Those small money habits that seem harmless? They’re slowly pulling you off course. In this episode, Lauren and Nick break down 10 of the most common money questions — from budgeting and debt payoff to credit scores, investing, buying a home, and more.

0:00 – The “1° Rule”
1:19 – Credit cards: should you really have one?
3:58 – How to build a budget that actually works
7:50 – Buying a home: what to know before you’re ready
11:50 – What should you be investing in?
15:44 – Paying off credit card debt the realistic way
20:56 – How couples should manage their money (different styles, same goals)
23:02 – Smartest ways to pay for college

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Sign up for 1:1 Financial Coaching here:
https://justanothermoneypodcast.com/coaching

Want to have your money questions answered on our show? Submit your questions below: 
https://justanothermoneypodcast.com/submit-a-question

Reach us directly on Instagram @moneycoachlauren or @habitfinances

Big life decisions get expensive fast — investing, buying a home, starting a family. In this episode, Lauren and Nick break down how to know if you’re truly financially ready and what most people overlook.

0:00 – Intro
2:58 – Why home “affordability” keeps getting worse
5:40 – Are you actually ready to start investing?
11:23 – Riding the market roller coaster without panicking
16:09 – How to know you’re financially ready to buy a home
25:02 – The real costs of starting a family (and how to prepare)

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Sign up for 1:1 Financial Coaching here:
https://justanothermoneypodcast.com/coaching

Want to have your money questions answered on our show? Submit your questions below: 
https://justanothermoneypodcast.com/submit-a-question

Reach us directly on Instagram @moneycoachlauren or @habitfinances

Are people "doing money wrong"? In this week's episode, Lauren and Nick break down three of the most controversial money debates: joint vs. separate bank accounts, renting vs. buying, and whether $100K is still a “good income.”

0:00 – Why small purchases do matter
0:39 – Joint vs. separate bank accounts: what actually works
5:58 – The hybrid system most couples should consider
10:23 – Renting vs. buying: the most misunderstood debate
15:59 – The hidden costs of homeownership
22:45 – Is $100K still a good income?

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Sign up for 1:1 Financial Coaching here:
https://justanothermoneypodcast.com/coaching

Want to have your money questions answered on our show? Submit your questions below: 
https://justanothermoneypodcast.com/submit-a-question

Reach us directly on Instagram @moneycoachlauren or @habitfinances

In this week's episode, Lauren and Nick upack three of the most controversial personal finance debates. 

0:00 – Intro: Why money topics get so polarizing
1:31 – “Can I still splurge while paying off debt?”
5:18 – Why the “little splurges” often cause big setbacks
7:15 – Consistency vs. all-or-nothing: finding the right balance
8:49 – Discomfort, mindset shifts, and breaking spending habits
10:25 – New vs. Used Cars in 2025: what actually makes financial sense
13:18 – Depreciation, interest rates & real-world car buying stories
17:32 – When buying NEW does make sense (and when it doesn’t)
22:04 – Is college a scam? The real ROI conversation
23:24 – How to make college affordable without ruining your future
25:19 – Degrees vs. skills: what employers are shifting toward
33:14 – Why Gen Z might be the first to get college right

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Sign up for 1:1 Financial Coaching here:
https://justanothermoneypodcast.com/coaching

Want to have your money questions answered on our show? Submit your questions below: 
https://justanothermoneypodcast.com/submit-a-question

Reach us directly on Instagram @moneycoachlauren or @habitfinances

Feeling stressed about money? In this week’s episode, Lauren and Nick break down three real-world money scenarios — from living paycheck to paycheck on six figures, to being buried in debt and shame, to feeling anxious about money even when everything looks “perfect” on paper.

0:00 – Intro
1:35 – Making six figures but still broke
4:00 – Lifestyle creep, debt cycles, and hard choices
10:00 – Debt shame and anxiety: why mindset matters more than math
14:30 – Breaking the guilt loop and rebuilding your plan
22:00 – “We only eat out once a week…” (why small leaks sink big ships)
23:50 – When your finances are fine, but you’re still stressed
26:30 – Learning to spend without guilt
33:00 – How to stop overanalyzing and actually enjoy your money
35:00 – Final thoughts + how to get your questions on the show

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Sign up for 1:1 Financial Coaching here:
https://justanothermoneypodcast.com/coaching

Want to have your money questions answered on our show? Submit your questions below: 
https://justanothermoneypodcast.com/submit-a-question

Reach us directly on Instagram @moneycoachlauren or @habitfinances

In this week’s episode, Lauren and Nick break down how to rebuild your financial life — from paying off debt and creating stability to getting your money working for you again.

0:00 – Intro: Starting over and getting your finances back on track
1:17 – How to rebuild after credit card debt (listener story)
4:30 – The real key to financial progress (and why income isn’t everything)
6:20 – Building an emergency fund and using the “living at home” advantage
8:00 – Staying disciplined while making it sustainable
10:15 – Should parents let adult kids live at home? (pros and cons)
13:31 – “We’re debt free! Now what?” — adjusting to your new financial reality
17:30 – Life after debt: emergency funds, lifestyle creep, and sustainability
20:36 – The mindset shift from intensity to intentionality
24:00 – Falling off track? How to reset and start again
25:58 – “How do we get our money working for us again?” — building momentum post-debt
29:30 – Enjoying your money without guilt
31:19 – Automating your finances for long-term freedom

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Sign up for 1:1 Financial Coaching here:
https://justanothermoneypodcast.com/coaching

Want to have your money questions answered on our show? Submit your questions below: 
https://justanothermoneypodcast.com/submit-a-question

Reach us directly on Instagram @moneycoachlauren or @habitfinances

Money problems don’t always start with the numbers—they start with communication. In this week’s episode, Lauren and Nick tackle three real-life scenarios from couples struggling with money alignment: separate bank accounts, mismatched spending habits, and crushing credit card debt. 

0:00 – Intro
2:26 – Should couples combine finances?
4:03 – Red flags in marriage and money conversations
6:37 – When boundaries turn into barriers
12:25 – “My partner overspends and I’m losing patience”
16:00 – The real reason one partner avoids money talks
20:36 – $45,000 in credit card debt: where do you even start?
28:21 – The biggest takeaway: alignment over perfection

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Sign up for 1:1 Financial Coaching here:
https://justanothermoneypodcast.com/coaching

Want to have your money questions answered on our show? Submit your questions below: 
https://justanothermoneypodcast.com/submit-a-question

Reach us directly on Instagram @moneycoachlauren or @habitfinances

Think you're good with money… until you realize you’ve been lying to yourself? In this week’s episode, Lauren and Nick unpack the money lies we all tell ourselves—from “I can afford it” to “I’ll start saving when I make more.”

0:00 – Intro: The little lies that keep us stuck
2:00 – “I can afford it” – The danger of monthly payments
6:40 – Why impulse spending is easier than ever
7:10 – “I’ll start saving when I’m older” – The cost of waiting
11:50 – “Debt is normal” – Why being debt-free is anything but weird
17:20 – “I’ll save when I make more” – Why income isn’t the problem
22:10 – “I deserve this purchase” – The mindset trap that holds you back
27:35 – Final thoughts: How to stop using excuses and start making progress

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Sign up for 1:1 Financial Coaching here:
https://justanothermoneypodcast.com/coaching

Want to have your money questions answered on our show? Submit your questions below: 
https://justanothermoneypodcast.com/submit-a-question

Reach us directly on Instagram @moneycoachlauren or @habitfinances

Are you caught in the endless cycle of credit card debt, consolidation loans, and paycheck-to-paycheck stress? In this episode, Nick and Lauren break down why behavior beats income, when debt consolidation makes sense (and when it doesn’t), and how couples can rebuild trust with money.

0:00 – Intro
0:45 – Is income really the problem?
2:10 – Lifestyle creep and hidden debt traps
4:00 – Listener story: $20K in credit cards & $12K in consolidation loans
6:05 – Debt consolidation: tool or trap?
9:20 – The behavior behind the debt cycle
12:15 – Couples & money: building alignment and trust
15:45 – Bankruptcy: last resort or lifeline?
18:30 – Final takeaways and action steps

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Sign up for 1:1 Financial Coaching here:
https://justanothermoneypodcast.com/coaching

Want to have your money questions answered on our show? Submit your questions below: 
https://justanothermoneypodcast.com/submit-a-question

Reach us directly on Instagram @moneycoachlauren or @habitfinances

Most people think being “good with money” just means earning more — but that’s only part of the story. In this episode, Lauren and Nick break down the five essential habits that help you build lasting financial success.

0:00 – Intro
1:10 – Why income isn’t the full picture of financial success
2:35 – Living below your means
5:50 – Budgeting with intention instead of restriction
9:15 – Putting your money to work (debt, savings, and goals)
12:45 – Investing for your future and thinking long-term
17:10 – Planning for future responsibilities and big dreams
22:45 – The mindset shift that makes financial habits actually stick
27:15 – Final thoughts: Building the habits that lead to freedom

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Sign up for 1:1 Financial Coaching here:
https://justanothermoneypodcast.com/coaching

Want to have your money questions answered on our show? Submit your questions below: 
https://justanothermoneypodcast.com/submit-a-question

Reach us directly on Instagram @moneycoachlauren or @habitfinances