Regaining control of your finances isn't just about hitting your goals—it's also about who you're becoming throughout the journey as you build a new financial identity.

In today's episode, I emphasize the value of non-budget victories. These achievements go beyond major financial milestones like paying off debt or growing your savings. Non-budget victories can include anything from developing better financial habits to having impactful money conversations.

I share an  overview of non-budget victories so you can start celebrating financial wins. Then, I'll share examples of my clients' non-budget victories and explain how these wins are crucial building blocks for long-term success. Finally, we'll explore how celebrating these non-budget victories helps reframe your progress and encourages a growth mindset.

Join in as I discuss non-budget victories…

Tune into this episode of Money Files to learn how non-budget wins are the building blocks to financial success.

Get full show notes and the episode transcript: https://wealthovernow.com/why-non-budget-victories-are-the-building-blocks-to-paying-off-debt-and-saving-money/

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Today, I'm thrilled to welcome back a familiar guest to the podcast—Lynae! We first worked together in 2020, and she's been crushing her financial goals ever since. This is Lynae's third appearance on the show, and I'm excited to have her back so you can gain insights to the full impact of financial coaching from a long-term perspective.

In this episode, Lynae and I explore the lasting effects of financial coaching. It's been four years since Lynae reached out for coaching, and today she shares how her mindset about money has evolved, including what life is like after paying off credit card debt and building an emergency fund.

We also explore the power of a growth mindset. Lynae discusses how this shift has empowered her to negotiate with her employer, invest in real estate, and continue growing her own business. Throughout our conversation, she highlights how she continues to apply the strategies and tools she gained from coaching to plan for her future.

Tune in to hear Lynae's inspiring journey and discover how the legacy of financial coaching can transform life. Don't miss out on this insightful discussion.

In this episode you’ll hear…

Tune into this episode of Money Files to hear how the long-term impacts of financial coaching continue to help Lynae achieve her financial goals.

Get full show notes and the episode transcript: https://wealthovernow.com/the-legacy-of-financial-coaching-how-coaching-helped-lynae-invest-in-real-estate/

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2025 is only four months away! Don’t wait to start planning for next year’s financial goals.

In today’s episode, I share three ways to prepare for Q4. From budgeting for the holidays to planning for open enrollment and thinking about Fall activities, I encourage you to start planning ahead for Q4. 

The end of the year can feel like one of the most expensive times of the year but taking 30 minutes to adjust your financial plan can leave you feeling prepared.  Taking the time to plan ahead will help you adjust your budget categories, shift your spending habits, and save money for things that are coming 30, 60, or even 90 days from now. 

Tune in to learn three financial tips to prepare for Q4:

Tune into this episode of Money Files to learn three ways to prepare for Q4 and stay on track to hit your 2024 money goals.

Get full show notes and the episode transcript: https://wealthovernow.com/financial-preparedness-three-ways-to-plan-for-q4-expenses/

Links mentioned in this episode…

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What are you going to do with your next bonus? If your answer is to pay down debt, this episode is for you! 

Today, I discuss why you shouldn’t use your bonus to pay off debt. Instead, use that extra income in a more meaningful way that will help you stop needing to utilize debt to cover unexpected (or YOLO) expenses. 

Using your bonus to clear debt might give you temporary relief, but you need to understand why you are in debt to avoid being right back in debt by the end of the year.  Paying down your debt should be a part of a strategic plan that is not promoted by a large bonus. 

I coach my clients to use their bonuses to build a safety fund. Safety funds help you prepare for future expenses so you’re not left swiping your credit card.  

Tune into hear why you shouldn’t use your next bonus to pay down debt and learn what to do with it instead:

Tune into this episode of Money Files to learn why you should use your next bonus to build a safety fund.

Get full show notes and the episode transcript: https://wealthovernow.com/personal-finances-saving-financial-coach-money-coach-bonuses-extra-income-debt-payoff-budget-spending-plan-safety-fund/

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

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In today's episode, my client, Krissy, joins the podcast. Our conversation recaps Krissy's journey working with me. Krissy shares why she decided to book a consultation with me and how working with a financial coach has changed the way she thinks about and manages her finances.

She also shares the unique challenges of managing finances as a mom and how her new identity as a saver has shifted her spending. We cover everything from personal allowances to aligning your budget with priorities.

If you are on the fence about working with a financial coach, this episode is for you! Learn about what it is really like to work with me and get inspired by the positive changes Krissy has made with managing her finances.

Listen to Krissy’s journey and learnings from working with me as her financial coach:

Tune into this episode of Money Files to hear how money coaching with Keina changed the way a career-driven mom manages and thinks about her finances.

Get full show notes and the episode transcript: https://wealthovernow.com/how-saving-money-helped-krissy-spend-on-things-that-mattered/

Links mentioned in this episode…

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

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Why was it easier to budget when you made less money? 

When you were barely making enough to get by, you were really good at budget - but you also created an invisible scarcity mindset around your finances. Food, water, and shelter were the most important things to you. Once you start earning more, that feeling of scarcity doesn’t just go away. Everyone has deep-seated emotions about money, and for many, spending fills a void and so the budgeting conversation has to shift when you go from making $30,000 to $100,000 to $200,000. 

In today’s episode, I discuss the complexities of high-income budgeting. From understanding different types of spending needs to learning what to do with extra money after the bills are paid, I encourage you to take a different approach to managing your finances so you can let go of the scarcity mentality and shame, and start aligning your budget with your goals and have more money for what you want.

Tune in now to explore why it is more challenging to budget as you make more money and learn:

Tune into this episode of Money Files to learn why it is more challenging to budget when you make more money and how to overcome a scarcity mindset.

Get full show notes and the episode transcript: 

https://wealthovernow.com/why-was-budgeting-easier-when-you-made-less-money/

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

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I can guarantee you have money going out of your account right now that you don’t know about. As a financial coach, I want you to spend money intentionally. Regaining control of your finances starts with matching your expenses to your values and goals. This not only helps you manage your money better but also opens up opportunities to increase savings, pay down debt faster, and spend money drama free.

In today’s episode, I share a money exercise I do with all of my clients: the cost-saving audit. An annual cost-saving audit ensures you are spending money in ways that feel intentional and align with your goals. I explain the importance of auditing negotiable bills and subscriptions so you can repurpose money to spend on things you love. 

From checking your cell phone plan and car insurance coverage to managing TV subscriptions, I explain how to conduct a cost-savings audit to optimize your budget. 

Learn where to audit your budget:

Tune into this episode of Money Files to learn how to conduct a cost saving audit.

Get full show notes and the episode transcript: https://wealthovernow.com/aligning-expenses-with-values-how-to-conduct-a-cost-saving-audit/

Links mentioned in this episode…

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

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As a financial coach, my goal is to create sustainability in your financial journey. Sometimes that means doing things differently. Traditional financial advice says to save $1,000 and put everything else towards paying down debt. But paying off debt can be tiresome and demotivating. 

In today’s episode, I offer a more sustainable practice for paying down debt: a debt spending break. A debt spending break fights payoff fatigue by allowing you to use some of the cash flow allocated for faster debt payoff on something you really want. This break remotivates you to continue your debt payoff plan without adding to your debt.

Achieving your goals is all about being intentional and forming sustainable habits. Learn the benefits of instituting a debt spending break, when to schedule one, and the long-term impact of consistency in managing your finances.

Listen for key insights on debt spending breaks:

Tune into this episode of Money Files to learn how a debt spending break leads towards more sustainable financial habits.

Get full show notes and the episode transcript: 

https://wealthovernow.com/are-you-tired-of-paying-down-debt-how-to-implement-a-debt-spending-break/

Links mentioned in this episode…

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

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In today’s episode, I welcome Dana to the podcast. Dana and her husband Dan became clients in 2022 while struggling to find the middle ground between conflicting money mindsets. They were busy with career shifts, preparing to buy a home, and figuring out life as a couple. Instead of letting money become a fight, they hired a coach. 

Dana and Dan had the same financial goals but didn’t agree on the path to get there. Listen as we discuss how coaching addressed both of their money management styles and ultimately brought more transparency and clarity to the way they handle their finances. Dana also shares what her experience was like working with me and the long-lasting changes having a money coach made in her finances and marriage. 

Tune in as Dana and I discuss money coaching for couples including:

Tune into this episode of Money Files to hear a discussion with my client, Dana, about how money coaching changed how she and her husband handle their finances.

Get full show notes and the episode transcript: https://wealthovernow.com/how-to-get-on-the-same-financial-page-with-your-partner-client-conversation-with-dana-johnson/

Links mentioned in this episode…

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

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As a financial coach, I aim to help clients transform how they think and feel about money. Sustainable change starts with taking the next best step in your financial journey.

In today’s episode, I discuss the importance of meeting yourself where you are with your finances. Your next best step is whatever will get you closer to a win. Every money move doesn’t have to be motivated by a huge financial goal like paying off all your debt. You must take the smaller but next-best step to get to those major wins.

If you’re in a space where you’re not sure where to go next financially, because you feel like you’re so far off from your goal this episode is for you. 

On this episode you’ll learn more about:  

Tune into this episode of Money Files to learn how to figure the next best step in your finances.

Get full show notes and the episode transcript: 

https://wealthovernow.com/sustainable-change-take-the-next-best-step-to-change-how-you-think-and-feel-about-money/

Links mentioned in this episode…

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

Download my FREE spending plan