On today’s episode, I discuss the idea of financial maintenance. As a coach, I am here to help you get results, maintain results, and move forward to bigger goals. So let’s talk about what happens when you are no longer worried about saving money or paying off debt. 

So what is financial maintenance? You are maintaining when your money systems are working effortlessly. You have a functional budget, you know your numbers, and you are consistently hitting granular goals like saving and paying down credit cards. Now you can shift focus to broader financial goals. You are in a place where debt is no longer the sole focus because you are maintaining a money plan that addresses those issues. 

However, when we reach financial maintenance a new fear creeps in. It’s normal to go off track a little. But restarting the process of managing finances is easier every time you do it. Now you have financial tools that will help you build a recovery plan and move forward. 

So I really want you to think about this idea of financial maintenance. You’re not always going to be worried about saving money and paying off debt. When you’re in maintenance you get to experience the next version of yourself. So in this episode, I challenge you to identify who you are on the other side of saving money or paying off debt. Because where you are now is not where you will always be.  

While listening to this episode, start thinking about the answers to these questions…

[00:26:17] What financial tools am I starting with?

[00:27:25] What do you want to dial in and what do you want to leverage? I want you to answer the question - why is this important? Why is it important that you dial this spending in? What is the bigger win that you have planned for yourself?

Tune in to this episode of Money Files as I discuss reaching financial maintenance and what to do next.

https://wealthovernow.com/exploring-the-idea-of-financial-maintenance/

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

Money Class: How To Budget Without Restrictions: May 17th at 12:30 pm EST

In today’s episode, I demystify earning $100K. There is a lot of buzz around earning $100,000 right now. But depending on where you live, your season in life, and your lifestyle goals, that salary milestone won’t stretch as far as you think.

The best emotion you can bring to your finances and around money is curiosity. So often, my clients come to me with goals and financial principles based on what they’ve heard from friends, family, or social media. To overcome financial overwhelm and achieve worry-free spending, it is important to understand the role of a dollar in your life.

Once you understand why you want to make more money, it becomes easier to create a budget and salary goal. So as a coach, I want you to think about what making $100K means for you and how that will really impact your life. I encourage you to get curious about the role money has in your life now, and how you want it to align with your values in the future. For many people, this analysis means shifting their goal salary from $100,000 to $200,000 or even $250,000. 

Are you ready to dive deep and discover the role of a dollar in your life? Let’s get started.  

While listening to this episode, start thinking about the answers to these questions…

[00:04:58] How does money help me in my life? What can I do with $100K?

[11:07] Think about earning $100,000. What other things might I need to consider?  Am I in a high-cost-of-living area? What other changes are happening in my life in the next year? Are there any financial goals that I’ve been saying that I want to accomplish?

Tune in to this episode of Money Files as I demystify earning $100k.

Get full show notes and the episode transcript: 

https://wealthovernow.com/demystifying-100k/

Links mentioned in this episode…

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

Cost of living: How far will my salary go in another city? - CNNMoney

19 | How to Use Financial Visioning to Achieve Your Money Goals - Wealth Over Now

In today’s episode, I discuss common things I see as a coach that keep my clients stuck in basic budgeting. Too many people think of budgeting as paying bills. This mindset paints an incomplete picture of spending habits. It won’t get you out of a paycheck-to-paycheck cycle. My goal as a coach is to bridge the budgeting gap between paying bills and how you want to spend your money.

I encourage you to track your spending this week and identify what you spend money on that isn’t part of your budget. But track to learn, not to punish. A great budget isn’t about restriction, it’s about knowing your numbers, understanding your spending habits, and identifying what you want to spend money on. 

Building a budget with a financial coach (me!) is a journey we take together. My overall goal is to be able to create a plan that allows you to do what you love and spend money in ways that align with your values. So if you are ready to start on the path to living a life of drama-free spending, I am ready to help.

I hope this episode encourages you to shift your mindset about budgeting in a positive way because…

[00:10:44] When you understand your relationship with your money on a deeper level, you’re going to feel more confident with how you’re spending your money. You’re going to talk to yourself differently about how you want to spend money.

Tune in to this episode of Money Files as I cover common things that keep my clients stuck in basic budgets.

Get full show notes and the episode transcript: 

https://wealthovernow.com/the-critical-link-between-budgeting-and-financial-awareness/

Links mentioned in this episode…

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

Masterclass | How To Budget Without Restriction | Wealth Over Now

Resource | Free Five-Day Financial Habit Tracker

In this episode, I sit down with certified financial planner Ariel Ward. As a personal financial strategist and advisor, I ask Ariel the most common questions my clients have about retirement. Our discussion aims to answer the question, "Is retirement an age or a number?" We also debunk myths and propaganda that lead to feelings of overwhelm and confusion for women when planning for their future.

First, we start by addressing conflicting information about retirement. How much money do you need? When should you start saving? What age should I retire? This revolving stream of questions and misguided pressure to achieve arbitrary milestones puts unwarranted pressure on earners, especially high-achieving women who don't have the support of a trusted financial planner.

Wherever you are now is the perfect place to start learning and planning for your future. There is no cookie-cutter approach to retirement. Your age, current income, future earning potential, and lifestyle goals all affect when and how much money you need to retire comfortably. The best way to create an achievable and sustainable plan is to align your feelings about money with your values and aspirations. 

I hope this discussion eases worry and shame around retirement and that after listening, you feel more empowered to take control of your financial future.  

During this episode, Ariel and I answer key questions around retirement such as…

[00:09:43] Is retirement an age or is it a number?

[00:13:30] What should we be considering as we are earning more overtime and how that would impact our retirement number or our age?

[00:20:05] Can you retire on a million dollars?

[00:30:44] What would you say are steps someone could take to determine if they were on track for retirement?

Tune in to this episode of Money Files as we address common concerns and questions about retirement.

Get full show notes and the episode transcript: 

https://wealthovernow.com/is-retirement-an-age-or-a-number/

Links mentioned in this episode…

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

Masterclass | How To Budget Without Restriction | Wealth Over Now

Ariel Ward | Abacus Wealth Partners

Pro Bono Financial Planning Services

In this episode, I sit down with fellow money coach Leisse Wilcox to discuss the impact of patriarchy on our lives, beliefs, and money. Together we address how women can take action and break out of the box society pressures us to live within.

Leisse and I work with smart, powerful, and successful women who feel held back by a patriarchal society. To overcome inequalities in how women think about and earn money, we need to unpack the subconscious belief that women are meant to serve men. This ancient expectation is ingrained into the fiber of our DNA and unconsciously dictates our thoughts and actions. We need to reprogram our brains and critically view the messages we have received about women and money. 

Get inspired to take action by bridging the gap between self-worth and net worth. We hope our conversation encourages you to have more money talks with yourself, friends, and other professional women. While we can’t take down the patriarchy in a day, let’s continue to empower each other to invest in ourselves, be confident of our worth, and focus on expansion in every aspect of our lives. 

While listening to this episode, consider your thoughts as Leisse and I explore these questions…

[00:18:30] How does patriarchy impact women’s ability to earn money?

[00:40:00] What can you concretely do to move forward and have a better relationship with your money and be aware of the patriarchy and how it impacts you?

Tune in to this episode of Money Files and listen to two money coaches discuss how to take action against the patriarchy and how it affects our beliefs about money.

Get full show notes and the episode transcript: 

https://wealthovernow.com/finding-the-root-of-the-problem-the-patriarchy-and-our-money/

Links mentioned in this episode…

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

Masterclass | How To Budget Without Restriction | Wealth Over Now

Book: Overcoming Underearning by Barbara Stanny

Book: You Are a Badass at Making Money by Jen Sincero

Book: The Prosperous Coach by Steve Chandler

Book: The Soul of Money by Lynne Twist

Book: Financial Feminist by Tori Dunlap

Leisse Wilcox | Website

Leisse Wilcox | Instagram

This episode is one of my favorites because I get to sit down and talk with one of my clients. Jenna first started her journey working with me as a coach in 2021. She joined my program when she realized her financial management style didn’t align with how she wanted to live her life. Now, two years later, she is a six-figure earner, a new condo owner, and feels empowered to make good choices with her finances.

I chose Jenna for this client spotlight episode because her experiences relate to women who feel stuck in their finances. Before working with me, Jenna worked five jobs, struggled with credit card debt, and had an inherent belief that she was bad with money. As a result, she felt stuck and didn’t know how to regain control of her finances. Since starting her journey, Jenna has shifted her mindset about herself and her money after learning to budget without restriction.

So listen in as Jenna shares what inspired her to choose me as her money coach and how a shift in her financial mindset has positively impacted her life. I love sharing my clients’ wins with you and hope this candid conversation with Jenna inspires you to take control of your money and make the shift toward a healthier financial mindset. 

While listening to this episode, take inspiration from Jenna’s journey…

[00:05:18] I found that working with you is not just about money. It is extremely therapeutic because I think what you unlocked in me and what you made me realize is I always have a choice.

[00:11:21] I’m making close to $15,000 now. If I had not worked with you there would be no change to how I spend money, because my mindset was not in a healthy spot for myself.

Tune in to this episode of Money Files and get inspired by my client’s experience with money coaching and how the decision to work with me shifted her mindset and empowered her to reach her goals.

Get full show notes and the episode transcript: 

https://wealthovernow.com/how-coaching-helped-jenna-embrace-her-financial-choices/

Links mentioned in this episode…

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

Masterclass | How To Budget Without Restriction | Wealth Over Now

As a coach, I love presenting new thoughts and ideas about money to my clients. In this episode, I am joined by a friend and fellow money coach, Jess. Jess helps business owners manage their time and money. Together, we share our personal journeys that led us to become money coaches and our motivations to help women gain control of their finances.

In addition, Jess and I compare notes on common challenges our clients face when overcoming shame about money. We discuss why people hesitate to ask for help from a coach and advise on habits to build wealth now. We know that it can be scary and intimidating to enlist help with your finances. As coaches, we help release shame and worry around money conversations by looking at and understanding your numbers. Remember, no matter how much you make, a healthy financial mindset starts by learning what your money does for you.

Tune in and listen to us discuss money as coaches. I hope you gain insight into how to talk about money differently and get answers to questions about coaching that may have been holding you back from starting the process.

While listening to this episode, consider these questions…

[00:11:00] There is no guidebook to personal finances so wherever you’re starting and whatever questions you have, or haven’t asked yourself don’t use it against yourself. Start where you’re at and then start asking yourself those questions now.

[00:13:25] What are those personal finance things that people should be considering and thinking about when they’re just trying to make decisions for their basic lives if they want to grow their income or their wealth.

[00:16:45] The questions to be asking yourself are - What is my money going to do for me and can it currently? What is the next best thing that I need to learn about my finances or that I want to do this month?

Tune in to this episode of Money Files and listen to two money coaches discuss how to overcome fear and shame about money.

Get full show notes and the episode transcript:

https://wealthovernow.com/join-the-money-conversation-with-keina-and-jess/

Links mentioned in this episode…

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

Masterclass | How To Budget Without Restriction | Wealth Over Now

Learn more about Jess on Instagram and Sincerely, Future You Podcast

In this episode of Money Files, I am talking about balance transfers. Debt can be scary and overwhelming. Frequently, debt is holding my clients back from doing something they really want to do. As a coach, my job is to help them overcome the fear and shame around debt and introduce a financial plan  that helps my client pay down debt or get out of feeling like they’re in the paycheck to paycheck cycle.

Tune in to hear my recommendations about when it is advantageous to leverage a balance transfer. I also explain the steps you need to take to use a balance transfer as a tool to  pay off debt successfully.

The key to financial success is creating a plan you can stick to and feel good about maintaining. The end goal is to make your money work for you by freeing up cash flow so you can spend on things that really matter to you.

So before committing to a balance transfer, listen to this episode and consider…

[00:06:28] When should  I consider using a balance transfer to help me be able to pay off debt and be able to free that money up in my cash flow so that way I can be using this money towards something else.

[00:13:12]The real cause of your debt. I need you to be honest with yourself and ask yourself “why am I in debt?”

[00:14:10] It’s not enough for you to know the amount of money you want to pay down towards your credit card. The secret for not having to be in this cycle is to prepare for the things in your life that go outside of bills.

Tune in to this episode of Money Files to learn how to leverage a balance transfer to pay off debt sooner and without shame.

Get full show notes and the episode transcript:

https://wealthovernow.com/how-to-make-a-balance-transfer-successful/

Links mentioned in this episode…

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

Masterclass | How To Budget Without Restriction | Wealth Over Now

How To Break the Debt Cycle By Understanding Your Spending Habits | Money Files 

Reshaping How You Think About and Plan For Extra Income | Money Files

In this episode, I discuss the magic of my five-month coaching container. The most valuable part of my coaching program is that we get to do life together. As your coach, I am more than just an app or an envelope system. I will spend those five months engaged and learning about who you are, your values, and your feelings about money. I acknowledge that finances are super personal, and talking about money can bring out feelings of vulnerability. As your coach, I am by your side to dive deep into those feelings of fear or shame. The five-month coaching session is more than just learning how to manage money; it's also learning how to manage your emotions and build financial confidence.

You are uniquely you, so while every container starts with a three-step plan and 30-day projection, all of the goals we work towards are based on what you want and your beliefs about money. The five-month container aims to help you understand your numbers by building financial awareness. We work on managing your money beyond the balance in your bank account so that you can feel confident making decisions about your finances.

I am so proud to coach my clients. Our relationship is far beyond a static spreadsheet. I am here to empower you to confidently manage your finances and make decisions about money that you feel good about.

While listening to this episode, I go over key components of my five-month coaching container including…

[00:12:04] You are going to believe in your ability to manage your finances and that is the fundamental thing that I love to see built within all of my clients.

[00:13:04] In the first 30 days what we are focused on is getting to know your numbers

[00:17:57] Then we have four months to do life together. In the months that come after that first month, you’re learning how to not just manage your money from the balance in your bank account.

Tune in to this episode of Money Files to learn how my five-month coaching container will help you build financial awareness and confidently take control of managing your money.

Get full show notes and the episode transcript:

https://wealthovernow.com/the-5-month-coaching-container---explained/

Links mentioned in this episode…

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

How Financial Coaching Transformed Amy and Jennifer’s Joint Finances

In this episode of Money Files, I am talking about underearning. After talking to my friends and clients, I confirmed that too many women accept being underpaid. The idea that it is okay to accept less money until you prove yourself is fundamentally flawed. It is rooted in the belief that you are less than.

You are worth a higher salary. You can achieve bigger revenue numbers in your business. I believe in you and I empower you to believe in yourself. You deserve to make more money. Don’t feel guilty or greedy or feel like you owe your employer for investing in you. Your value and what you bring to the table every day is worthy of that higher check.

So I encourage you to step back and assess your current financial situation. Consider what you would do with more money. Push away any negative thoughts - those are just holding you back. Instead, focus on the positive because those thoughts will empower you to succeed.

While listening to this episode, consider these statements and how they relate to your feelings about money…

[00:04:18] Wherever you are - if you are a business owner or if you work a 9-to-5 role, I need you to ask yourself the question, What would happen if I made more?

[00:05:15] I need you to ask yourself what would happen if I made more. And that leads me to wanting you to really define the purpose of money in your life. But then also think about what comes up for you as you think about making more money.

Tune in to this episode of Money Files to understand why It’s Not About Proving Yourself To Make More Money.

Get full show notes and the episode transcript:

https://wealthovernow.com/how-to-stop-allowing-yourself-to-underearn/

Links mentioned in this episode…

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