Does planning for retirement feel overwhelming?

In this episode, I talk about how developing your own investment philosophy can help you approach saving for retirement with clarity and intention. I share my personal journey—from starting small with company-matched contributions to maximizing my retirement savings as an entrepreneur.

The best time to start planning for retirement is now, and I outline three steps to help you build your investment philosophy. You’ll get practical tips on automating your retirement contributions and balancing financial priorities so you can begin investing in your future.

If you’re ready to stop stressing over retirement savings and start building a money management strategy that addresses your goals, this episode is for you. Tune in now and grab those tips that will change the way you think about planning for retirement. Your future self will thank you!

Learn how to prioritize your retirement by creating your investment philosophy…

• [02:30] Where are you at with retirement?

• [07:45] Why you need to prioritize saving for retirement

• [12:20] 3 steps to take now

Tune into this episode of Money Files to learn how to build an investment philosophy and start prioritizing your retirement.

Get full show notes and the episode transcript: 

https://wealthovernow.com/how-to-simplify-your-retirement-plan/

Links mentioned in this episode…

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

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Are you spending your tax return before it even hits your account? You’re not alone. In this episode, I’m talking about the cycle that keeps you stuck—thinking your tax return will save you, but it disappears before you even get it. I’ve been there and am here to show you how to transform your money habits so you feel financially secure without relying on tax return season to bail you out. 

I share a three-part exercise to help you leverage your tax return to hit your financial goals. This process isn't about restriction or paying down debt as quickly as possible. I want you to spend your money on what you want by building a sustainable money management process that works for you every month, not just during tax season.

If you’re tired of feeling like you’re starting over every time you get extra money, this episode is for you. Listen in to find out how to stop relying on big lump sums and start managing your money with confidence. 

Learn how to break free from the tax return cycle…

• [01:40] Are you stuck in the tax return cycle?

• [07:02] 3-part exercise to plan how you will spend your tax return

• [15:20] Building sustainable money habits

Tune into this episode of Money Files to learn how to stop relying on your tax return and start leveraging sustainable money habits to regain control of your finances.

Get full show notes and the episode transcript: 

https://wealthovernow.com/how-to-stop-relying-on-tax-season-for-financial-security/

Links mentioned in this episode…

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

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In this episode, I’m diving into the important topic of preparing financially for divorce. As a financial coach, I know how significant this transition can be, and I’m here to break it down in a clear, simple, and actionable way. Whether you're considering divorce, already in the process, or just curious about financial preparation, this episode is for you.

I share insights from my work with clients, including single moms and women who’ve been through a divorce. You’ll hear about real-life stories and challenges that may resonate with you. I’ll guide you through six steps you can take now to feel prepared, confident, and in control of your finances before, during, and after divorce.

If you’re in the midst of divorce or just starting to think about it, I’m here to remind you that you are not alone. With the proper preparation and support, you can move forward confidently and create financial security.

Listen for key insights on financial planning for divorce…

• [01:39] The importance of knowing your numbers pre-divorce

• [06:26] Preparing for legal fees

• [08:24] Considering child costs

• [10:36] Acknowledging financial reality post-divorce

• [12:04] Potential income adjustments

• [13:05] You need a support team

Tune into this episode of Money Files to learn financial steps you should take if you are considering divorce.

Get full show notes and the episode transcript: 

https://wealthovernow.com/money-matters-preparing-for-divorce-with-financial-confidence/

Links mentioned in this episode…

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

Download my FREE spending plan

03 I How Having a Team Helped Lisa Payoff $20,000 in Debt

12 I How Kim Changed Her Finances In One Hour

136 | How Saving Money Helped Krissy Spend On Things That Mattered

Have you ever caught yourself comparing your financial journey to someone else's? Maybe you've felt like you're just not "good with money" because others seem to have it figured out. This shame traps you in a cycle of avoidance and keeps you stuck in unhealthy financial choices that hold you back from meeting your goals.

In today's episode, I explain reflection shame, how it might show up for you, and why a fixed mindset is keeping you from making progress in regaining control of your finances. I discuss how to break free from shame and the impulse to compare yourself to other people. Then, I give you actionable steps to help you shift your mindset and start aligning your spending and financial habits with what you want to do with your goals.

Whether your goal is saving, paying down debt, or just learning to track your spending, today's episode teaches you the tools to stop comparing and start growing. 

Listen for key insights on reflection shame…

• [01:00] Ways shame might show up for you

• [04:56] How a fixed mindset is keeping you stuck

• [20:14] Steps to shift your reflection shame

Tune into this episode of Money Files to learn how to shift your reflection shame so you can stop comparing your finances to others and begin establishing financial security. 

Get full show notes and the episode transcript: 

https://wealthovernow.com/how-to-stop-comparing-your-financial-journey-to-others/

Links mentioned in this episode…

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

Download my FREE spending plan

Mindset: The New Psychology of Success: 9780345472328: Dweck, Carol S.: Books

140 | Why Non-Budget Victories Are the Building Blocks to Paying Off Debt and Saving Money

In this episode, I dive into how social media is reshaping our spending habits without us even realizing it. We’ve all heard of “Keeping Up With the Joneses,” but now, those Joneses might be right in your social media feed—whether it's the latest wellness craze, food trends, or parenting expectations. I share stories and tips to help you identify and disrupt these sneaky influences before they derail your financial goals. 

If you’re ready to take control of your spending and reset your financial habits, this episode is a must-listen. Tune in to find out how to spot and stop the new Joneses from taking over your budget!.

Discover how social media has replaced “Keeping up with the Joneses”:

• [02:33] Social media is shaping our spending

• [06:00] Wellness & self-care

• [08:38] Food and lifestyle

• [11:34] Parenting

• [17:13] Steps to reset your financial taste buds

Tune into this episode of Money Files to learn how external influences could be impacting your spending and preventing you from hitting your financial goals. 

Get full show notes and the episode transcript: https://wealthovernow.com/stop-letting-the-new-joneses-control-your-budget/

Links mentioned in this episode…

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

Download my FREE spending plan

Have you ever felt like there was more month than money? As a six-figure earner, you might wonder how it is possible to make a good income and still feel like you don’t have enough to save, pay down debt, or reach your goals. The problem isn’t with your paycheck. It’s that you aren’t aligning your budget with how you spend money.

In this episode of Money Files, I dive into the common struggles many high earners face with their finances, even when making six figures or more. I discuss why a budget is essential, especially when things like lifestyle creep, life changes, and inflation are at play. I also share practical tips on how to take control of your finances, break free from the cycle of overspending, and ensure your budget reflects your reality, not fake math. Listen to learn how an intentional approach to spending can give you confidence and clarity with your money.

Explore why it might feel like you don’t make enough money and what to do about it:

• [03:02] Why you need a budget

• [04:45] 3 reasons you don’t think you make enough money

• [04:50] Lifestyle creep

• [06:55] Life cycles

• [08:41] Inflation

• [13:42] 3 actionable steps to align your budget with your spending

Tune into this episode of Money Files to learn why it can feel like there is more month than money and actionable steps to take to realign your budget with your spending. 

Get full show notes and the episode transcript: https://wealthovernow.com/how-to-align-your-budget-with-your-financial-reality/

Links mentioned in this episode…

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

Download my FREE spending plan

Do you have a spending problem? 

In today's episode, I share how your personal spending story can help reshape the way you think about money and guide you toward making more intentional purchases that align with your budget and financial goals.

I'm not here to make you feel bad about spending, and I don't advocate for "no-spend" challenges that vilify buying the things you want. Instead, I want to help you identify the emotional, habitual, and environmental triggers that drive your purchases. This awareness will help you regain control of your finances and shift toward intentional, guilt-free spending based on your values. 

If you've ever found yourself overspending or feeling out of control with money, this episode will give you practical insights and tools to reflect on your spending habits and make meaningful changes. 

Listen to learn how to discover your personal spending story so you can feel empowered about the choices you make with your money.

Tune into this episode of Money Files to learn how to discover your personal spending story and learn steps you can take to make intentional shifts in how you spend money. 

Get full show notes and the episode transcript: 

https://wealthovernow.com/rewriting-your-spending-story-how-to-spend-with-purpose-and-confidence/

Links mentioned in this episode…

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

Download my FREE spending plan

In today's episode, I'm diving into a topic that's top of mind for many of you right now—adjusting your budget as you return to work after years of working from home. If you're one of the many federal employees who's now required to go into the office as departments shift back to in-person work, this episode is for you.

I walk you through the financial shifts you may experience as your schedules and routines change. From adjusting grocery budgets to accounting for childcare, I cover everything you might not be thinking about, like clothes, tolls, and even pet care, now that you're back at the office full time.

I share practical strategies for making sure your budget is aligned with these changes to help mitigate financial stress and avoid impulse spending. If you're preparing to transition back to the office, tune in for actionable advice on reviewing and amending your budget to stay on track to meet your financial goals.

Consider these financial implications of transitioning back to the office:

Tune into this episode of Money Files to learn how to review your budget and prepare for new expenses as you transition from working from home to going back into the office full time. 

Get full show notes and the episode transcript: https://wealthovernow.com/back-to-in-person-work-heres-how-to-prepare-your-budget/

Links mentioned in this episode…

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

Download my FREE spending plan

In this episode of Money Files, I break down the concept of "financial grazing"—a common habit where small, unplanned expenses sneak into your budget and start to derail your progress. It’s easy to justify these little splurges when you’re feeling good about your finances, but over time, they can add up and pull you away from the habits that helped you succeed in the first place.

I explore the reasons behind financial grazing and how you can get back on track. Awareness is key to regaining control, and if you’ve found yourself slipping into this habit, you’re not alone. Listen in for practical tips to refocus on your financial goals and stay on course.

Tune in to explore the concept of financial grazing ...

[02:20] What is financial grazing?

[04:40] How financial grazing shows up

[07:56] Identifying why it’s happening

[13:30] Actionable steps to address financial grazing

Tune into this episode of Money Files to learn what financial grazing is, how to identify it, and what to do about it so you can reach your financial goals. 

Get full show notes and the episode transcript: https://wealthovernow.com/financial-grazing-how-little-habits-can-derail-big-goals/

Links mentioned in this episode…

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

Download my FREE spending plan

In today's episode, I'm sharing five essential money moves to help you take control of your finances in 2025. These simple yet powerful strategies will give you a clearer picture of how money flows in and out of your bank account, allowing you to budget with real numbers. Prioritizing these money moves can make a huge difference in reaching your financial goals. 

I'll walk you through the techniques I use with my clients so you can maximize your income, save more efficiently, and set yourself up for success in 2025. Whether you're trying to get your finances in better shape or simply want to be more intentional about where your money goes, this episode is for you. These tips are relevant regardless of where you are in your financial journey!

Let's make sure this year is the one where your money truly starts working for you. Tune in to learn the five money moves you need to make in 2025…

[00:36] Check your pay stub

[06:11] Increase retirement contributions

[11:03] Open a high-yield savings account

[13:45] Check your tax withholdings

[15:54] Negotiate and price shop key expenses

Tune into this episode of Money Files to learn 5 money moves that will help you regain control of your finances in 2025.

Get full show notes and the episode transcript: 

https://wealthovernow.com/5-new-year-money-moves-to-take-control-of-your-finances-in-2025/

Links mentioned in this episode…

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

Download my FREE spending plan