An effective budget is not just a list of bills. If you want to reach your money goals, it is essential that you know your numbers and how you spend your money. Things like getting your hair done, going out to eat on date night, or sending thank-you gifts to clients seem like small expenses, but can have a major impact on your overall financial goals. 

In today’s episode, I share how to identify fake expenses and why your spending needs to align with your budget. This process is about helping you better understand how to plan for your desire to spend money so you can reach your financial goals faster.  

The main points I talk about in this episode are:

[01:30] Exposing fake expenses

[06:55] Three thoughts that cause you to overlook expenses

[09:39] Client example of fake expense (business perspective)

[13:36] Client example of fake expense & credit card payments

[15:30] What can you do to avoid fake expenses

[19:42] Choose financial curiosity

Tune into this episode of Money Files to learn about fake expenses and why aligning your budget spreadsheet and spending plan is essential to reaching your money goals.

Get full show notes and the episode transcript: https://wealthovernow.com/why-your-bank-account-doesnt-match-your-budget/

Links mentioned in this episode…

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

96 | From Finances To Motherhood: Let’s Talk Money Coaching

Thank you for joining me on this journey of 100 episodes! This is an incredible milestone for Money and Files, and I attribute so much of the podcast’s success to my amazing clients and listeners. Even though I do not know each of you personally, as a business owner and financial coach, I always think about you as I talk about money and how I can help add to your ‘money file.’

Today is a special tribute in honor of episode 100. I take you all the way back to the beginning and what inspired me to start a podcast. Then, I share how budgeting and wealth-building have impacted my life and why it is so important for me to carry on teaching about money. Finally, you’ll hear messages from listeners and learn how Money Files has impacted their lives.

Having you all tune in every week is a privilege and an honor. I am excited for the future and to continue to be a source of information and inspiration as you take control of your finances. 

Stay tuned to hear insights on these key topics during this episode:

[01:10] The evolution of my career and the Money Files podcast

[05:15] What budgeting has afforded me

[06:45] Wealth-building is about more than just money

[11:32] Holding a vision for my clients

[12:40] A ‘thank you’ to my listeners

[16:15] Voice messages from podcast subscribers

[25:19] A ‘thank you’ to my clients

[26:30] Thoughts to future clients

Tune into this episode of Money Files to learn what inspired me to start the Money Files podcast and how my money coaching business has evolved thanks to clients and listeners like you!

Get full show notes and the episode transcript:

Links mentioned in this episode…

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

EP. 96 From Finances To Motherhood: Let’s Talk Money Coaching

If you and your money sat down with a therapist, what would your money say about your relationship? Odds are, your money is stressed and overworked. Too often, high-earning individuals designate their financial livelihood to the next client, the next night shift, or the next gig. They get so caught up in reactive day-to-day money management and mental math that they don’t realize where each dollar is going.

In today’s episode, I talk about how $1,000 can turn into $10,000 quickly. Managing finances effectively is much more than paying bills or paying down debt. Without a strategic budget, your money works overtime to cover hidden expenses like Christmas shopping, traveling, and car repairs. To experience true financial freedom, you need to understand your money core. Are you ready to feel the impact of extra money? Listen to get started!

Stay tuned to hear insights on these key topics during this episode:

[04:05] Stop covering expenses with extra work

[07:00] What is a money core?

[08:30] Why budgeting is essential

[10:00] How $1,000 becomes $10,000

[12:45] How to be okay with spending money outside of paying bills

[17:00] What happens once you understand your money core

Tune into this episode of Money Files to learn how $1,000 turns into $10,000!

Get full show notes and the episode transcript: https://wealthovernow.com/how-1000-turns-into-10000/

Links mentioned in this episode…

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

Today, I am interrupting how you spend money during the holidays. So many of us overspend during the holidays because we are programmed to take advantage of Cyber Monday, Black Friday, and the endless brand deals. There is so much pressure to buy right away or risk losing out. 

Stores run sales all year round. Odds are, a special holiday deal will be available later on. So, instead of impulsively buying, take a step back and make a plan before you spend.  This holiday season learn new tools to help you enjoy holiday spending without regret in January when you look at your credit card bill.  

Listen in as I share how I monitor my finances during the holidays. I give tips on planning and budgeting so you can give gifts you feel comfortable buying without creating unexpected credit card bills. Holiday shopping doesn’t have to destroy your finances. Tune in to learn how!

In this episode, I touch on the following topics:

[04:54] Building financial awareness

[05:50] Don’t fall victim to the pressure of sales and coupons

[09:50] Write down what you want & need during the holiday season

[12:58] Budget per person & per gift

[18:30] The gift closet

[19:35] Giving gifts to yourself

Tune into this episode of Money Files to learn how to maintain control of your finances and budget during the holiday shopping season. 

Get full show notes and the episode transcript: https://wealthovernow.com/how-to-plan-ahead-and-budget-for-holiday-shopping/

Links mentioned in this episode…

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

Help me celebrate my 100th episode by leaving a 90-second review sharing your favorite episode and why by November 28th. I can't wait to celebrate with you.

It has been FIVE years since I started my coaching business! What better way to celebrate this milestone than to bring my first-ever client on the podcast?

In today’s episode, I sat down with my first money coaching client, Amanda. She shares her money journey, including why she decided to work with me, how she paid off all her debt, and how financial coaching has impacted her life. Amanda also talks about the money tools she still uses, including the budgeting tool she learned when we worked together five years ago.

Investing in money coaching is a decision that will change how you manage your finances for the rest of your life! Five years later, Amanda is confidently budgeting, managing her finances, and reaching her money goals as a six-figure earner.    

The main points Amanda and I talk about in this episode are:

[03:00] Why Amanda started working with Keina

[11:45] What does budgeting look like for Amanda now?

[22:10] How a spending plan helped Amanda become debt-free

[28:44] What Amanda’s money dates look like today

[31:45] How does Amanda use credit cards now?

[35:23] Goals Amanda has accomplished since working with Keina

[36:57] Wealth legacy

Tune into this episode of Money Files to learn about the long-lasting impact money coaching has on managing your finances!

Get full show notes and the episode transcript: https://wealthovernow.com/then-amp-now-how-is-my-first-coaching-client-managing-her-finances/

Links mentioned in this episode…

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

Join Keina Newell in celebrating 100 podcast episodes of Money Files by leaving a 90 second review of your favorite episode and why. Send a voice message to Keina

Are you considering working with a money coach? This episode is for you! In today's episode, I am joined by my client Sarah. Sarah shares her journey of being a single mom by choice and how getting help with her finances was pivotal to her leaning into motherhood. Sarah has just finished working with me in my five-month partnership and came on the podcast to share her journey working with a money coach. Sarah is a single mother who works in the education sector. She came to me with a list of bills and a desire to get out of the paycheck-to-paycheck cycle. Now, Sarah has all the tools she needs to be empowered to take control of her money goals.

Listen in to hear how learning to manage her finances has empowered Sarah. Not only does she feel confident about her ability to earn and budget money, but she knows she is capable of so much more! 

The main points Sarah and I talk about in this episode are:

[01:30] Why Sarah decided to work with Keina

[05:48] What coaching allowed Sarah to do

[10:37] Sarah’s proudest moment during coaching

[12:30] Finances and motherhood

[20:40] Sarah’s experience with Keina’s budgeting system

[26:08] Domino effect of money coaching

[29:49] Sarah’s unexpected wins

Tune into this episode of Money Files to learn what it’s like working with a money coach!

Get full show notes and the episode transcript: https://wealthovernow.com/from-finances-to-motherhood-lets-talk-money-coaching/

Links mentioned in this episode…

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

Most people associate money conversations with savings, debt, or salaries. But achieving financial goals is more than just making money. In today’s episode, I share the importance of having a money team. Your money team goes beyond just having a financial advisor. You need a group of people who have already accomplished what you want to do and who can challenge you to think bigger.

Everyone needs a money team, and in this episode, I share examples of how my own money team has pushed me to look beyond limiting beliefs, leverage my skills, and ultimately earn more money and achieve my financial goals. Are you ready to start assembling your money team? Listen to learn how! 

The main points discussed in this episode are:

[04:47] What is a money team?

[05:58] Example: negotiating salaries

[08:47] Example: raising business rates

[10:55] Finding people who challenge you

[16:37] Six questions to help you build your money team

Tune into this episode of Money Files to learn what a money team is and the difference it can make in achieving your financial goals. 

Get full show notes and the episode transcript: https://wealthovernow.com/how-to-build-a-money-team/

Links mentioned in this episode…

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

Today's podcast episode is a cross-replay of my conversation with my friend and client, Lindsay Dotzlaf. Lindsay is a coach specializing in empowering other coaches to enhance their effectiveness and make a more significant impact.

Tune in as Lindsay shares her personal journey of working with me as her financial coach and the profound transformation her mindset has undergone in managing her finances.  We also discuss Lindsay's newfound passion for budgeting and how to make a budget work for your unique lifestyle. I hope you enjoy our conversation and gain valuable insights into the experience of partnering with a money coach.

Hot topics discussed in this episode include:

[12:20] How working with Keina shifted Lindsay’s money mindset

[22:45] Balancing debt vs. investing vs. savings as a business owner

[27:40] Budgets are about awareness

[30:03] Keina’s top financial tips for business owners

[40:00] Lindsay’s experience and learnings from working with Keina

[53:40] Thinking about educating the next generation about managing money

[01:04:01] Managing money as a couple

Tune into this episode of Money Files to learn what it’s like to work with and how to fall in love with budgeting!

Get full show notes and the episode transcript: https://wealthovernow.com/shifting-your-budgeting-mindset-with-lindsay-dotzlaf/

Links mentioned in this episode…

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

Guest Info…

Website: Lindsay Dotzlaf | Instagram: @lindsaydotzlaf | Podcast: Mastering Coaching Skills

It's no secret weddings are EXPENSIVE. On average, couples spend $30,000-$40,000 on their wedding. Don't let financial stress overshadow your Big Day. I explain how to build the perfect wedding budget in today's episode. The earlier you start financially planning for your wedding, the easier it will be to create the perfect day without overspending or going into debt. 

Remember, a wedding budget is the same as any other budget. The key is to assign purpose for every dollar, know your numbers, and check in on your spending. It is possible to have your dream wedding without losing track of your money goals, and I am so excited to share how to make it happen!

During the episode, I touch on wedding budget best practices such as:

[01:45] Creating a starting budget

[06:45] Making time to get real numbers

[09:32] The importance of a budget buffer

[10:26] Planning where the money is coming from

[11:55] Tracking actual expenses vs. projected budget

Tune into this episode of Money Files to learn how to build the ultimate financial guide for wedding planning.

Get full show notes and the episode transcript: https://wealthovernow.com/how-to-budget-for-a-wedding/

Links mentioned in this episode…

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

I recently was a guest on Sara Fisk's podcast, The Ex-Good Girl, hosted by Sara Fisk. Sara is a female empowerment coach who helps women stop people-pleasing behavior and start living the life they want. With Sara's permission, I am sharing our conversation in this episode of Money Files. 

So, listen in as we dive deep into why women aren't naturally confident with managing finances and recommendations you can use to shift into better money habits. Sara and I tackle topics like overspending to please others, what it means to live in restriction, and how to align spending habits with your life goals. 

During this episode, I share reasons why paying off debt should not be your sole focus and what to do instead:

[04:44] Defining a “good girl”

[05:50] Debunking “I don’t know as much about money as my husband”

[08:00] Expansion vs. restriction

[12:30] Using money to buy positive emotions

[19:05] Spending to overcome restlessness

[25:15] Does what you want align with your spending?

[37:20] How to challenge yourself to think differently about your finances

Tune into this episode of Money Files to hear an important conversation about empowering women to regain control of their finances.

Get full show notes and the episode transcript: https://wealthovernow.com/good-girls-and-money-with-sara-fisk/

Links mentioned in this episode…

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

Guest Info…

Website: Sara Fisk | Instagram: @sarafiskcoach) | Podcast: The Ex-Good Girl