Money is Not Your Problem

Are your daily habits quietly sabotaging your financial security? In this episode of The Money Is Not Your Problem podcast, we explore 10 everyday habits that might be keeping you stuck in a cycle of financial stress. From impulsive spending and ignoring budgets to falling into the YOLO and FOMO traps, we’ll break down why these habits are harmful and, most importantly, how to liberate yourself from them.  Check out the examples and actionable strategies that encourage shifting a mindset, taking control of our financial future, and creating lasting wealth. If you’ve ever felt like money is slipping through your fingers, this episode will provide the tools to stop bad habits and build financial confidence today.

We also discuss:

• Why small spending habits matter more than big financial decisions – and how they quietly drain our wealth.
• The role of mindset in breaking the paycheck-to-paycheck cycle – how shifting our thinking can lead to better money management.
• How to recognize and break free from emotional spending – understanding the triggers that lead to impulse purchases.
• Practical steps to replace these habits with smart financial choices – building a system that supports long-term wealth and stability.

Whether just starting our financial journey or trying to break free from old money patterns, this episode is packed with practical strategies for making lasting changes.

🎧 Tune in now and take the next right practical step toward financial confidence in 2025! 🚀💸

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In this episode, we discuss what are and how to set impossible goals, embrace failures as stepping stones, and trust in achieving financial and personal growth. Using Dallas Jenkins’ inspiring journey of faith and resilience as an example, we explore how you can turn setbacks into setups for success.

We also dive into:

• The power of Review, Reflect and Reset to start the new year with clarity.
• Why failures are not the end but a key part of the learning process.
• The concept of "impossible math" and how trusting in God’s timing can transform your efforts.
• Practical tools to redefine your financial goals for 2025 with purpose and intention.

Whether you’re feeling disappointed about unmet goals or ready to embrace the new year with excitement, this episode will inspire you to take actionable steps toward becoming a better version of yourself.

🎧 Tune in now to start 2025 with purpose and possibility!

Here is the link to Dallas Jenkins' BYU devotional video, Five Loaves and Two Fishes. 
Find the worksheets mentioned in this episode: Review, Reflect, and Reset Tool,   The Redeciding Tool, and What I Want Tool. 

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 🌟 In this episode, we're discussing some of the 2024 Women in Money Empowerment Conference highlights. It was a gathering of brilliant minds from the insurance, investing, banking, and financial education sectors, all sharing wisdom to teach and encourage women in their financial journey. 

In the episode, we'll explore what to do when there is more month than money left without sacrificing fun and joy. I'm sharing three powerful strategies to navigate those tight budgets: increasing your income, trimming down those expenses, and uncovering delightful, budget-friendly activities that spark joy.  Sometimes, those moments are exactly what we need to test our capacity for discipline and growth. 

Key Highlights:

1. Three Budgeting Strategies: Discover how to increase your income, cut back on expenses, and embrace frugal joys to maintain a positive outlook.
2. Optimize Your Tax Withholdings: Learn how adjusting your W4 can prevent you from overpaying Uncle Sam and allow you to make the most of your money now.
3. Frugal Joy Inspirations: Delight in simple pleasures like sipping homemade lemongrass tea, hosting a cozy chocolate tasting, or wandering through unexplored neighborhoods.

And don't miss out on our Frugal Joy Challenge: What's one frugal joy you can integrate into your life today? Share your favorite budget-friendly activity that brings you happiness without breaking the bank! 🎉

Click here to get the 45 Frugal Joys list shared by Amanda Christensen from @utahmoneymatters! 💪💖

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In this episode, Farrah Fernandes shares her inspiring financial journey, from avoiding her bank account out of fear to taking complete control of her finances. As a single mother navigating the challenges of unemployment and divorce, Farrah explains how she turned her financial situation around by planning, learning, and shifting her mindset. Additionally, Farrah offers insight into how her approach to health coaching, centered around intuitive eating, complements her newfound financial stability.

Key Takeaways:

1. Facing Financial Fears: Farrah explains how avoiding finances made her situation worse and how facing it head-on gave her the necessary push to make changes.
2. Mindset Shift: Moving from a scarcity mindset to one of abundance was a game-changer for Farrah in both her financial and personal life.
3. Intuitive Eating & Health: As a health coach, Farrah also helps people heal their relationship with food, rejecting diet culture and embracing intuitive eating for long-term health.

Actionable Tips:

• Face your financial fears: Take control by planning and tracking expenses.
• Shift from scarcity to abundance: Focus on making empowered decisions.
• You can apply the same mindset to other areas of your life, just like she talked about her work with intuitive eating and our health. 

Connect with Farrah:

• Instagram: @thefunctionalfoodie
• Facebook: Farrah Fernandes Coaching

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Have you considered that money can NOT be a problem for people? This conversation with Megan Whitesides blew my mind as she shared how money has been a non-issue, just a part of life for her.   

 Megan is a certified life coach and preschool teacher. In this episode, we discuss her approach to parenting, relationships, and teaching her children about money. Megan explains how her background shaped her financial mindset and offers practical tips for raising financially responsible kids.

Key Takeaways:

1. Teaching Kids About Money
   Megan uses allowances to teach her kids to save, spend wisely, and give. She emphasizes showing them physical money and encouraging thoughtful, not impulsive, decisions.
2. The Importance of Tithing
   Megan highlights how generosity, through tithing or charity, brings financial and spiritual blessings, which she instills in her children.
3. Managing Financial Decisions
   Megan encourages delayed gratification in spending decisions, helping her kids learn to avoid emotional spending.

Her top Tips:

• Start teaching kids about money early with allowances.
• Encourage kids to wait before making big purchases.
• Set a positive example with your own financial habits.

Connect with Megan:

• Megan Whitesides Coaching (Instagram)
•  We Travel Cheap: Instagram Link

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This episode is a special recap of my presentation at the BYU Women’s Conference in May 2024. I'm excited to share my journey and the valuable financial principles that have transformed my family’s financial health.

During my talk at the conference, I highlighted the importance of setting your financial house in order, drawing inspiration from both scripture and modern-day prophets. I emphasized that understanding and learning financial principles is crucial for making better financial decisions. I shared personal anecdotes from my own experiences growing up in Brazil and the financial mistakes I made early on, stressing the need for financial literacy and responsible money management.

I outlined four key principles that can change your financial course:

1. Principle 1: Understand and Learn Financial Principles: Observe, learn, and teach money management within your family.
2. Principle 2: Teach Our Families: Engage your kids in financial discussions, teach them to earn, save, give, and spend wisely.
3. Principle 3: Achieve Debt Freedom: Embrace a debt-free lifestyle to gain financial freedom.
4. Principle 4: Experience Temporal and Spiritual Blessings: By practicing consistent small efforts, you can harness the power of compound interest and enjoy financial and spiritual rewards.

By embracing these principles, you can reduce anxiety, increase spiritual receptivity, and gain the freedom to choose how to use your resources. I concluded with encouraging words, reminding everyone that small, consistent efforts can lead to significant financial blessings, allowing us to serve others and build a secure financial future.

 Don’t forget to subscribe, leave a review, and follow us on social media for more insightful episodes.

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In this episode, our guest, Vania Valtriani, shares her incredible journey of overcoming a life-threatening health crisis and how it transformed her outlook on life, faith, and finances. Originally from São Paulo, Brazil, Vania moved to the United States with her family in search of better opportunities. What started as a typical immigrant story quickly took a dramatic turn when she suffered a hemorrhagic stroke that left her in a coma for several months. Her story is one of faith, resilience, and the miraculous power of healing, deeply rooted in her spiritual beliefs and the unwavering support of her family.

Vania recounts the moment when doctors gave her husband and children the grim news that she had no chance of survival. However, her family's faith never wavered, and through their prayers and a blessing given by her husband, Vania experienced what she describes as a miracle. She vividly recalls a spiritual encounter during her coma, where she communicated with her deceased father and felt the overwhelming love of Jesus Christ, which she credits with her recovery. This life-altering experience not only changed her perspective on life and death but also solidified her mission to share her story with the world, leading her to write a book and create a YouTube channel to inspire others.

While most of us may not have such profound faith experiences, Vania’s story reminds us that if we pay attention, we can recognize confirmations of God’s guidance, assurance, and strength in our lives. Her journey also touches on the financial challenges she faced post-recovery, including a staggering hospital bill that was miraculously reduced, allowing her to focus on her new mission rather than financial burdens. Vania shares practical advice on handling finances, emphasizing the importance of saving, even in small amounts, and trusting in divine provision. Her story is a testament to the power of faith, the importance of family, and the belief that even in the darkest times, miracles are possible.

In this episode, Vania teaches us about the strength that comes from faith, the importance of family support during life’s trials, and how even the smallest acts of financial prudence can make a significant difference. Her story serves as a powerful reminder that, through faith and perseverance, we can navigate the challenges in our lives and find the guidance and strength we need to move forward.

Follow Vania on Instagram and YouTube. 

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In this episode, we learn from Laura Roeder, the founder of Paperbell ( and many other companies over the years), as she shares her entrepreneurial journey and the wisdom she’s gathered from over 20 years of building, growing, and successfully selling various businesses. Laura recounts her early lessons in financial stewardship from her parents, who taught her frugality and responsibility. These principles laid a strong foundation for her future endeavors. Inspired by her family’s business environment, Laura pursued financial independence, creating and selling several businesses, including the successful social media tool Meet Edgar. Her latest venture, Paperbell ( an All-in-One Solution Tool for Coaches), showcases her innovative spirit and ability to meet market demands.

Laura emphasizes the importance of financial education and how books like "Your Money or Your Life" influenced her. Maintaining a solid financial foundation and staying debt-free allowed her to start and grow her businesses confidently. Her story highlights the value of early financial education, the pursuit of financial independence, and building businesses positioned for successful exits.

 Laura Roeder's inspiring journey and valuable entrepreneurial insights will help you stay motivated as you start developing your own financial wisdom and success.

Do you want to know more about the all-in-one coaching tool Paperbell? Check out the Paperbell site or @bypaperbell on Instagram.

Follow Laura Roeder on Instagram @laurakroeder

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In this week's episode, we discuss the importance of balance in various aspects of our lives as a foundation for establishing our vision and achieving financial well-being.

Drawing from my study with Professor Pedro Calabrês' current course - "Intelligence for Results Formation," we explore the seven recommended balances we should aim for to increase our success in making progress in life, including becoming good with money and achieving financial freedom and prosperity.

Here are the 7 areas that he (and science) recommend we need to take care of first so that we can perform at our best:

1. Circadian Rhythm
2. Movement (and Exercise)
3. Nutritional
4. Emotional
5. Interpersonal
6. Intellectual
7. Spiritual

What caught my attention the most was the circadian rhythm, of which I had no knowledge before his classes. He emphasizes the impact of maintaining a consistent daily routine aligned with the sun's cycle — meal times, waking up and sleeping at approximately the same time, exercising and moving, and getting some sunlight.

We also highlight the value of surrounding ourselves with supportive relationships and engaging in activities that challenge and stimulate personal growth, which will directly affect the health of our minds.

We encourage you to reflect on your habits and attitudes, identifying areas for improvement to enhance your overall well-being so that you can progressively become the person you want to be. The best part is that, by prioritizing these seven balances, we will cultivate a more harmonious and purposeful life, not only in our financial life but also in our overall happiness.

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In this episode, we have a special guest, Heather Frazier, an author, podcaster, and coach specializing in working with mothers and families with teenagers. Heather shares her personal finance journey and how she integrates valuable life lessons into teaching her kids about money.

Heather Frazier's financial journey reflects a transition from hardship to stability, paralleling her husband's career growth. While initially navigating very tight budgets, they eventually achieved a more comfortable lifestyle while maintaining financial responsibility. Central to Heather's approach is a profound trust in God, with principles of generosity and stewardship guiding her financial decisions. Tithing and charitable giving have always been a priority for her family. 

In raising her children, Heather teaches her kids about budgeting, saving, and making good financial choices based on their individual personalities. Heather shares her journey of learning to prioritize long-term goals over immediate gratification.

 Heather encourages us to find a balance between financial stability and personal fulfillment. Her insights remind us that contentment, regardless of income level, is key to achieving lasting financial well-being.

Heather Frazier is an experienced coach who recently published the book How I Fixed My Teen.  ( paid link)
In it, she draws from her own struggles and triumphs in raising her four children. Her insights into navigating the challenges of parenting teenagers with empathy and understanding have resonated with many families.

Follow Heather Frazier on Instagram @heatherfraziercoaching 
Here is her site heatherfrazier.com 

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