Are you tired of paying off debt only to find yourself right back where you started months later? You are not alone.

​​I​n this episode, I'm answering the question so many high achievers quietly carry: Why do I keep getting back into debt, even though I know how to pay it off?

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Debt numbers are simple—money in, money out—but the patterns driving your decisions are not. Most people try to fix their debt with strategies like balance transfers, avalanche vs. snowball, or throwing lump sums at their credit cards. But without understanding why debt keeps resurfacing, those strategies never stick.

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This episode walks you through the four debt identities, the Safety Net User, the Status Keeper, the Points Chaser, and the Survival Debtor, and breaks down the fake math, emotional hurdles, and hidden habits that keep smart, capable people stuck in the debt cycle.

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If you want your next debt payoff to be the last time you ever do it, this episode is your starting point.

In this episode you'll learn... ​​​​

[00:30] Why knowing how to pay off debt is not the real problem

[01:40] Why debt keeps resurfacing, even after you pay it off

[02:16] Why your debt payoff strategy must match your debt identity

[04:10] Debt Identity #1: The Safety Net User

[06:20] Debt Identity #2: The Status Keeper

[09:30] Debt Identity #3: The Points Chaser

[11:35] Debt Identity #4: The Survival Debtor

[13:45] Why shame keeps survival debt lingering

[15:00] What to reflect on before paying off debt again

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Tune into this episode of Money Files to discover how understanding your debt identity can finally help you change your money patterns for good.

Get full show notes and the episode transcript: https://wealthovernow.com/debt-identity-series-why-debt-keeps-coming-back-and-what-to-do-about-it/

Links mentioned in this episode…

Set up a call | Financial Coach Washington, DC | Wealth Over Now

Download my FREE spending plan

If you’ve ever made a purchase that seemed like a good idea at the time but ended up collecting dust, this episode is for you.

In this episode of Money Files, I introduce you to The Pause Method, a simple but powerful five-step tool that helps you stop impulse spending and make intentional, values-aligned decisions with your money.

Most of us make purchases in the moment, convinced we’re buying something useful, needed, or “on sale.” But when those purchases pile up, they quietly drain our accounts and delay the financial goals that matter most. The Pause Method helps you catch those moments before they happen so you can spend with awareness, not guilt.

I walk you through how to perform an ROI Spending Audit to review your past purchases, uncover what brought real joy or value, and identify what was driven by stress, convenience, or emotion. Then, I’ll teach you how to apply The Pause Method before every purchase using five key questions that protect your wealth: Purpose, Alignment, Usefulness, Sustainability, and Effect.

This is one of the most practical mindset tools I teach in coaching, and once you use it, you’ll see how small moments of mindfulness can add up to thousands of dollars saved without sacrificing your joy.

Listen in to learn:

[01:20] How impulse purchases quietly sabotage your goals

[03:45] The one skill that can free up thousands, without earning more

[06:10] What a personal ROI Spending Audit reveals about your habits

[08:25] The five steps of The Pause Method (P.A.U.S.E.)

[10:45] Why aspirational purchases lead to financial clutter

[14:30] How to stop using “fake math” to justify small expenses

[17:50] The connection between mindfulness and wealth building

[21:10] How The Pause Method accelerates your Five Figure Reinvention

Tune into this episode of Money Files to learn how The Pause Method can help you stop impulse spending, reclaim your wealth, and build financial confidence that lasts.

Get full show notes and the episode transcript: https://wealthovernow.com/the-pause-method-how-to-stop-impulse-spending-and-reclaim-your-wealth/

Links mentioned in this episode…

Set up a call | Financial Coach Washington, DC | Wealth Over Now

Download my FREE spending plan

How do you save $10,000 in five months without earning more money?

Phantom money. Possibility math. And the compound effect of consistency.

In this episode, I'm showing high-income earners how to create a five-figure reinvention with the money they already have—no windfall required.

Episode 1 of the Five-Figure Reinvention mini-series.

Apply to work with me: wealthovernow.com/appointment

"I really DO need to wait for my bonus. That makes sense.""Work really IS crazy right now. It's not a good time.""I really SHOULD feel more ready before I invest."

Your brain gives you very convincing evidence that waiting is the right call.

But here's what you can't see when you're in it: You've been saying some version of this for months.

The circumstances change, but the stalling stays the same.

In this episode:

• The 3 types of stallers (Almost There, I Should Know Better, Too Busy)
• What stalling protects you from—and what it's costing you
• Why you can't see the pattern when you're the one creating it
• Why every month you wait is another month you're practicing staying stuck
• The shift: Starting scared is still starting

You can't coach yourself out of stalling because you're also the one rationalizing why it makes sense to wait.

Episode 4 of the Five-Figure Reinvention mini-series.

Limited spots before year-end. Apply: wealthovernow.com/appointment

"I know I should look at my account. I know I should have a plan. But I just... can't."

If that's you, this episode is for you.

The gap between knowing what to do and actually doing it? That's belief work.

In this episode, I'm showing you the 5 beliefs that make your five-figure reinvention stick—and the old thoughts that are keeping you stuck right now.

We're talking about:

• Why every financial misstep feels like proof you can't do this (and what to believe instead)
• The skill you're not building because you think saving is something you either can or can't do
• Why high earners avoid budgeting—and what it's actually costing you
• The "I'll start when..." trap and why waiting keeps you stuck
• How to unlearn the patterns that once kept you safe but don't serve you anymore

Episode 2 of the Five-Figure Reinvention mini-series.

Apply: wealthovernow.com/appointment

You think you've already failed.

And maybe you're right. Maybe failure means you're still living paycheck to paycheck even though you make six figures. Maybe it means you've started over so many times that "starting over" feels like your personality.

But here's what I know: You're not failing. You're standing at your starting line.

In this episode, we're talking about acceptance—not the "give up" kind, but the kind that unlocks everything. We're writing the letter you need to write to your past self. And we're learning the compassionate redirect that makes your five-figure reinvention sustainable.

You'll learn:

• Why the patterns that got you here were actually protection (not failure)
• The letter exercise that creates self-acceptance and releases shame
• Why your brain will naturally move the finish line (and what to do about it)
• The financial milestones that show you your own transformation
• The two questions that redirect you when you feel like you're failing: "What have I learned? What has changed?"

Episode 3 of the Five-Figure Reinvention mini-series.

Apply: wealthovernow.com/appointment

Five months from now, you won't recognize yourself.

Not because of the $10,000. Because of who you became.

In this final episode: The month-by-month transformation. What changes beyond your bank account. Real client stories. And the question that changes everything.

Who do you want to be 150 days from now?

Apply: wealthovernow.com/appointment

The holidays don’t have to mean financial chaos.

In this episode of Money Files, I’m breaking down The Holiday Money Myth, the belief that you have to choose between joy and financial peace. Every year, we get caught in the same cycle: overspending in November and December, then starting January in regret and survival mode. But it doesn’t have to be that way.

I’ll walk you through how to redefine what generosity, connection, and celebration look like, without defaulting to debt or fake math. You’ll learn how to set a realistic holiday spending number, plan for emotional triggers, and create meaningful experiences that don’t cost your financial peace.

You’ll also hear practical steps to help you manage your holiday spending in alignment with your goals, from setting clear boundaries to maintaining your weekly money dates through the season.

Listen in to learn:

[01:10] Why the Holiday Money Myth keeps you stuck in overspending cycles

[03:25] How fear and guilt drive holiday spending habits

[05:15] How to define what joy and connection truly mean for you

[07:30] Setting your total holiday spending number based on real math

[09:50] How to give meaningful gifts without going into debt

[12:20] Managing emotional spending triggers during the holidays

[14:40] Why maintaining weekly money dates keeps you grounded

[15:55] How to enjoy the season without sacrificing your goals

Tune into this episode of Money Files to learn how to enjoy the holidays without falling into the trap of overspending. It’s time to rewrite your holiday story, with intention, generosity, and financial peace.

Get full show notes and the episode transcript: https://wealthovernow.com/how-to-enjoy-the-holidays-without-overspending-or-debt/

Links mentioned in this episode…

Set up a call | Financial Coach Washington, DC | Wealth Over Now

Download my FREE spending plan

If you’ve ever told yourself, “I’ll start in January,” this episode is for you.

The end of the year can feel like the worst time to focus on your finances. Between the holidays, family expenses, and travel, it’s easy to push your goals aside and tell yourself you’ll start fresh later. But what if that mindset is the reason you’re stuck?

In this episode of Money Files, I’m introducing what I call The Five Figure Reinvention, your invitation to save or pay off $10,000 before the end of the year. This isn’t about restriction or deprivation. It’s about becoming the version of you who ends the year calm, confident, and in control.

You’ll learn how to stop postponing peace, avoid the “I’ll start Monday” trap, and create a simple system that helps you follow through. Whether your goal is to save $3,000 or pay off $10,000, this episode will show you how to use the next two months to change how you think, plan, and lead your money.

Listen in to learn:

[01:05] Why waiting for January keeps you stuck in the same cycle

[03:20] The emotional and financial cost of delaying your goals

[05:00] Why slow seasons are actually preparation seasons

[07:40] The three reasons to start your reinvention in November

[09:15] How the $10,000 challenge builds structure and proof

[10:40] The difference between restriction and reinvention

[12:10] How to build a system that fits your real life, not someone else’s

[13:30] The mindset shift from “I’ll start later” to “I’m already doing it”

Tune into this episode of Money Files to learn how to start your Five Figure Reinvention now, build momentum before January, and finally become the person who keeps her word to herself financially.

Get full show notes and the episode transcript: https://wealthovernow.com/the-five-figure-reinvention-reinvent-your-finances-before-january/

Links mentioned in this episode…

Set up a call | Financial Coach Washington, DC | Wealth Over Now

Download my FREE spending plan

We all have thoughts about money that feel true, but what if they’re quietly keeping you stuck?

In this episode of Money Files, I introduce the concept of automatic money thoughts, those quick, familiar thoughts that pop up when you think about money and sound perfectly responsible, but actually block your financial progress. Thoughts like “I live a modest life,” “I only spend on necessities,” or “I don’t spend on travel” feel safe and logical, but they often hide the truth about how your money is really moving.

When you believe those quiet scripts without question, you stop looking at your numbers. You stop planning for things you actually do spend money on. And before you know it, you’re back in fake math, wondering why your savings haven't grown or your credit card balance won’t go down.

In this episode, I’ll walk you through how to uncover and disrupt your automatic money thoughts so you can build awareness, tell yourself the truth, and create a financial plan that reflects your real life.

Listen in to learn:

[01:40] What automatic money thoughts are and where they come from

[03:55] Why responsible-sounding money thoughts keep you stuck[06:20] The 3 most common automatic money thoughts people have

[09:45] How your thoughts about “modesty” and “necessity” hide real spending

[11:10] My personal story of realizing I was in fake math with travel expenses

[14:50] Three questions to ask when you catch an automatic money thought[16:45] How to replace judgment with clarity and build a plan that works

[18:30] Why awareness, not avoidance is the key to financial freedom

Tune into this episode of Money Files to learn how to recognize the money stories running in the background and start building a plan that supports the life you actually live.

Get full show notes and the episode transcript: https://wealthovernow.com/automatic-money-thoughts-the-sneaky-scripts-keeping-you-in-fake-math/

Links mentioned in this episode…

Set up a call | Financial Coach Washington, DC | Wealth Over Now

Download my FREE spending plan