Just Another Money Podcast

Is your job the "safe" option? Think again. In this week's episode, Lauren and Nick are joined by Dr. Ray Gorman to unpack the mindset shifts that unlock income growth and financial freedom. From breaking old money beliefs to understanding the real cost of staying in your comfort zone, this episode is a must-watch for anyone thinking about entrepreneurship or simply wanting more from their career.

0:00 - Intro

1:12 - Ray’s journey from burnt-out PT to business owner

5:45 - Trading time for money vs. delivering value

9:50 - What gave Ray the confidence to go out on his own

14:30 - A smarter way to transition into self-employment

17:20 - What “safety” really means (and why it’s often a trap)

21:00 - The money beliefs that hold people back

26:00 - Learning to price your services and protect your peace

30:40 - Can your job actually be costing you money?

34:10 - The opportunity cost of staying where you are

39:00 - Scaling income without creating another job

42:30 - Why people don't take action—and how to shift that

47:15 - Final thoughts on confidence, comfort, and risk

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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

Ever wonder why your monthly expenses feel so high—even if you're making decent money? In this week’s episode, Lauren and Nick break down the real reason you might be overspending without realizing it.

0:00 – Welcome back to the show

2:05 – The $5,000/month Uber driver story

7:24 – Tip 1: Track your spending

12:28 – Tip 2: Audit and cancel subscriptions

19:52 – Tip 3: Set limits on high-spend categories

27:21 – Tip 4: Avoid new debt

33:28 – Tip 5: Anchor your budget to a clear goal

36:31 – How to stick to your plan (even when it sucks)

40:14 – Why this all matters

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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 on Instagram:
@moneycoachlauren | @habitfinances

Ever feel like you wrecked your finances? In this week's episode, Lauren and Nick are breaking down financial disasters (and how to fix them)!

0:00 - Intro

0:39 - Why do people do this?

4:40 - Financially ruined at 30

13:04 - Real estate investing wrecked his finances 

20:33 - $23,000 down the drain

29:50 - Finally waking up for the first time

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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

How do you know when you're ready to buy a home? In this week's episode, Lauren and Nick are joined by Stacie Rihl, a first-time homebuyer expert who's helped over 16,000 people learn the buying process!

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How to get in contact with Stacie Rihl: 
https://stacierihl.com

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0:00 - Intro

1:04 - Who is Stacie Rihl?

5:16 - Biggest misconceptions homebuyers have

11:20 - How much can I afford on a monthly basis?

14:29 - How much do I need for a down payment?

24:14 - How to find the right home

28:50 - Why you need at least a 5 year horizon

35:38 - Have first-time homebuyers changed?

39:00 - Buying vs renting

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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

What was the last money decision you made that you completely regret? In this week's episode, Lauren and Nick are getting into some of the internet's biggest financial regrets.

0:00 - Intro

3:42 - What's the biggest money mistake you've ever made

9:27 - She's 55 with nothing saved!

19:16 - She's tired of financially supporting in-laws

26:01 - She thought she could ignore her loans...

34:45 - He couldn't outgamble his losses

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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 your finances wrecking your mental health? In this week's episode, Lauren and Nick are joined by Dr. Shereen Mohsen, a licensed clinical psychologist, who breaks down the mental health side of money management.

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How to get in contact with Dr. Shereen Mohsen: 
https://relucentpg.com

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0:00 - Intro

1:11 - Who is Dr. Shereen Mohsen?

5:16 - Cycle of Negative Reinforcement 

16:50 - Childhood and Money

25:37 - Money Management is Self Care

36:09 - Money and Self Worth

43:46 - Money and Relationships

56:03 - When should couples talk about money?

1:01:48 - Red Flag / Green Flag

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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

Gambling addictions, free cars, and trying to hide from credit card debt… In this week's episode, Lauren and Nick are breaking down some of the internet's wildest money stories!

0:00 - Intro

3:50 - Draining your savings to pay off debt

7:11 - Should I empty my retirement to buy a home?

10:43 - Can I just not pay my debt?

17:15 - I maxed out my credit cards gambling

24:25 - My bank screwed me

29:00 - They say I owe $10k to them

31:49 - I haven't filed taxed in years

39:02 - I have't paid my car loan in 6 years

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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

Stuck with your debt payoff journey? In this week's episode, Lauren and Nick are breaking down 3 of their best tips for ACTUALLY getting out of debt!

0:00 - Intro

1:23 - Before you start paying off debt...

2:20 - Stop accumulating debt

8:16 - Pick a strategy and stick with it

12:12 - Where people get stuck with debt

17:15 - Is the debt snowball better?

19:28 - Create a payoff timeline

25:49 - You need to have a bigger vision

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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

What's worse––having too many money accounts... Or not enough? In this week's episode, Lauren and Nick are breaking down the 4 types of money accounts you need to have to win with your finances!

0:00 - Intro

0:48 - Is insurance a scam?

4:48 - Cash Accounts

7:56 - Do credit cards count as a Cash Account?

14:51 - Savings Accounts

24:25 - Separating your different Savings Accounts

26:48 - Retirement Accounts

33:08 - Non-retirement Accounts

37:51 - When do you need these different accounts?

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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

How can you transform your finances in just 90 days? In this week's episode, Lauren and Nick are breaking down some of their best tips to change the way you handle money.

0:00 - Intro

2:45 - You need to have a clear goal

6:31 - Understanding your cash flow

14:46 - Creating a system for your money

22:51 - Getting one month ahead with your money

28:50 - Making a plan to get out of debt

35:22 - Creating a savings plan

38:19 - Making a plan for investing

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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