Tired of paying sky-high premiums for health insurance? In this episode, Rachel Coons breaks down all your health coverage options... from traditional insurance and marketplace subsidies to cost-sharing plans that could save you thousands every year.

As a former licensed health insurance agent, Rachel shares insider knowledge about the four main ways to handle health coverage in America. She explains why health insurance became so expensive, what most people don't know about their options, and how her family saves over $15,000 annually using an alternative to traditional insurance.

What You'll Learn:

• Why health insurance costs are so high (and why you might be overpaying)
• The pros and cons of employer coverage, marketplace plans, and going without insurance
• How cost-sharing plans work and whether they're right for your family
• Real-world example: How Rachel's family handled a $17,000 emergency room bill
• Who should (and shouldn't) consider alternatives to traditional insurance

Whether you're a small business owner, self-employed, or just frustrated with your current premiums, this episode will help you make an informed decision that works for your family's health needs and budget.

Christian Health Ministries (cost-sharing plan with 50% off first month available) Click here to learn more about the cost sharing plan Rachel recommneds

xoxo,
Rachel

Where to find me:
Instagram: @heyrachelcoons

Join me for my 'Money RESET 2026' training!: REGISTER HERE

In this episode of The Money Mom Podcast, we’re breaking down one of the most misunderstood money behaviors: impulse spending. If you’ve ever told yourself you just need “more discipline,” this conversation is going to change everything.

Instead of shaming habits like Target runs, late-night TikTok shopping, or drive-through treats, we’re getting to the real root of why impulse purchases happen in the first place. Spoiler: it has nothing to do with budgeting better... and everything to do with unmet emotional needs.

You’ll learn why traditional financial advice gets this wrong, how impulse spending actually works in your brain, and what to do instead, without guilt, restriction, or deprivation.

In this episode, we cover:

• Why “just stop impulse buying” is terrible financial advice
• The emotional reason impulse spending feels so good (and why it never lasts)
• The 7 emotional needs that most impulse purchases are really trying to meet
• How stress, boredom, deprivation, identity, control, and connection show up in your spending
• Why awareness, not restriction, is the first step to lasting change
• How to start budgeting for your emotional needs instead of fighting them

If you’ve ever felt confused, ashamed, or frustrated by your spending habits, this episode will help you feel seen, and give you a completely new lens for understanding your relationship with money.

Because your impulse buys aren’t random.
 And once you understand what’s underneath them, everything changes.

🎧 Listen in, and if this episode resonates, don’t forget to leave a review, it helps us keep creating deeper, more meaningful conversations about money.

xoxo,
Rachel

Where to find me:
Instagram: @heyrachelcoons

Join me for my 'Money RESET 2026' training!: REGISTER HERE

Have you ever started the new year determined to “finally get your money together”… only to feel burned out, discouraged, or back in the same place a few months later?

In this episode of The Money Mom Podcast, Rachel breaks down why most financial goals don’t stick, and it has nothing to do with discipline, motivation, or willpower.

Most money goals are created from panic, shame, or urgency. And while that energy can spark change for a moment, it never lasts, especially for busy moms carrying the mental, emotional, and physical load of family life.

In this episode, you’ll learn:

• Why motivation-based and willpower-only goals collapse when real life happens
• How to stop setting “panic goals” that create pressure instead of progress
• Why money is emotional, and why your goals must account for your nervous system
• The difference between outcome-based goals and identity-based goals
• How focusing on who you’re becoming leads to lasting financial change
• Why doing less, not more, is often the key to momentum
• How to create money goals that feel calm, safe, and doable... even in hard seasons

Rachel also shares personal stories from early motherhood, explains why “trying harder” isn’t the answer, and walks you through a gentler, smarter approach to goal setting that works with your life, not against it.

If you’ve struggled to stick with financial goals in the past, this episode is your reminder:
 You’re not broken. You don’t need more discipline. You need better systems and a supportive identity.

✨ And if you’re ready to build money goals that actually stick, Rachel shares how you can join Money Mom Club, where moms learn to create sustainable systems, calm their money stress, and feel confident with their finances — without pressure or shame.

You can join for 50% off this week only: www.heyrachelcoons.com/moneymomclubmoney

🎧 Press play and start 2026 with a calmer, more intentional relationship with money.

xoxo,
Rachel

Where to find me:
Instagram: @heyrachelcoons

Join me for my 'Money RESET 2026' training!: REGISTER HERE

Have you ever downloaded a new budgeting app, opened a fresh spreadsheet, and promised yourself this time will be different... only to fall right back into the same money stress a few weeks later?

You’re not broken.
And you don’t have a willpower problem.

In this episode of The Money Mom Podcast, I’m breaking down why budgeting alone doesn’t actually lead to financial peace, confidence, or debt freedom, and what’s really going on beneath the surface when money systems don’t stick.

We’ll talk about why numbers don’t change habits, how your emotions and subconscious beliefs drive spending, and why so many moms stay stuck in the same cycle even when they “know what to do.”

You’ll also learn about the four money personalities I see most often in moms:

• The Avoider who doesn’t want to look at the numbers
• The Emotional Spender who shops to cope with stress
• The Scarcity Saver who budgets well but never feels at peace
• And the Confident Money Mom — the version of you who feels calm, grounded, and in control of her money (without obsession or restriction)

This episode isn’t about shame, restriction, or another spreadsheet.
 It’s about understanding why you show up the way you do with money — so you can finally change it.

If you’ve ever felt:

• Overwhelmed by budgeting
• Stressed about debt
• Guilty for spending
• Afraid to check your bank account
• Or tired of money running your emotions, marriage, or mental space

…this episode will meet you exactly where you are.

✨ And if you’re ready to do the deeper work — combining practical money skills and mindset — I’ll also share how you can join us inside Money Mom Club, a supportive community of women learning how to save, spend, invest, and feel confident with money.

🎧 Press play and let’s stop budgeting around the problem — and finally address the root.

xoxo,
Rachel

Where to find me:
Instagram: @heyrachelcoons

Join me for my 'Money RESET 2026' training!: REGISTER HERE

In this episode, we’re unpacking why money avoidance is so common (and why it’s not a personal failure), how your nervous system plays a role in financial stress, and how awareness, not perfection, is the first step to taking your power back.

You’ll hear why:

• Avoiding your bank account is actually making the problem worse
• Your brain is trying to protect you, but it’s often lying to you about danger
• Simply looking at the numbers (without judgment) can start breaking the negative money cycle
• Grocery spending is the fastest, least overwhelming place to create real financial momentum
• More money won’t fix money problems without a system in place
• All-or-nothing thinking is one of the biggest budget killers for busy moms

We also talk about why restriction, no-spend challenges, and perfectionism don’t work long-term, and what does work instead: flexible systems, realistic habits, and progress you can actually sustain in real life.

If you’re heading into 2026 feeling overwhelmed, behind, or stuck in a cycle of stress with money, this episode will help you slow things down, reconnect with your body, and start moving forward—one grounded step at a time.

✨ Plus: I’m sharing details about my upcoming free Money Reset for 2026 workshop, where we’ll break down the 5 pillars busy moms need to stop overspending, get out of debt, and finally feel in control. Without shame or spreadsheets.

👉 Links to the free workshop and my grocery savings classes are here:

www.heyrachelcoons.com/class

You are not starting over.
 You’re leveling up.
And you’re more capable than you think. 💛

xoxo,
Rachel

Where to find me:
Instagram: @heyrachelcoons

Join me for my 'Money RESET 2026' training!: REGISTER HERE

In this special episode, Rachel Coons shares her transformative journey from financial overwhelm to abundance, as she’s interviewed by Monica Packer at the More for Moms Conference. 

Rachel opens up about the emotional side of money, the unique challenges moms face, and how shifting your mindset can bring peace—even when life feels chaotic.

Discover practical tips for saving on groceries, building a healthier relationship with money, and embracing generosity and gratitude.

Whether you’re struggling to make ends meet or simply want to feel more empowered with your finances, this conversation offers hope, actionable advice, and a reminder that you’re not alone.

xoxo,
Rachel

Where to find me:
Instagram: @heyrachelcoons

Join me for my 'Money RESET 2026' training!: REGISTER HERE

Are you living paycheck to paycheck and wondering how you’ll ever pay off your debt when there’s nothing left at the end of the month? In this episode of The Money Mom Podcast, host Rachel Coons—mom of four and grocery budgeting mentor—shares practical, encouraging strategies to help you make real progress on your debt, even when your budget feels impossibly tight.

Discover why traditional budgeting advice often falls short, how to shift your money mindset, and the power of small “margin moments” that add up over time.

 Rachel breaks down actionable steps like finding hidden savings in your grocery budget, choosing the right debt payoff method for your family, and balancing debt repayment with living your life.

If you’re ready to stop feeling stuck and start celebrating every win, no matter how small, this episode is for you. Tune in and learn how to create financial peace, one small choice at a time.

Listen now and join a community of moms cheering you on!

xoxo,
Rachel

Where to find me:
Instagram: @heyrachelcoons

Join me for my 'Money RESET 2026' training!: REGISTER HERE

Are you a mom ready to transform your money mindset, attract financial abundance, and create lasting wealth for your family?

In this episode of the Money Mom Podcast, host Rachel Coons dives deep into the powerful connection between money, energy, and emotions.

Discover practical strategies for building an abundance mindset, mastering personal finance, and overcoming financial stress.

Learn how your thoughts, beliefs, and energy around money can impact your financial success.

Rachel shares actionable tips for practicing gratitude, managing money with confidence, and breaking free from scarcity thinking. Whether you’re looking to pay off debt, save more, or simply feel empowered in your financial journey, this episode is packed with financial wellness advice, money management tools, and mindset shifts specifically for moms.

Tune in to unlock the secrets of financial freedom, positive money energy, and wealth-building strategies that work for busy moms. Join the Money Mom community and start your journey toward abundance, confidence, and a brighter financial future today!

xoxo,
Rachel

Where to find me:
Instagram: @heyrachelcoons

Join me for my 'Money RESET 2026' training!: REGISTER HERE

As we close out 2025 and set our sights on an abundant, empowered 2026, this episode is the perfect way to reset your mindset, refresh your money goals, and learn how to actually build wealth in the new year.

Today on The Money Mom Podcast, Rachel is joined by special guest Madison from New Money Madison.  A money + mindset coach who blends neuroscience, personal finance strategy, and manifestation to help women become first-generation millionaires.

Together, we dive into:

💸 How to start 2026 feeling financially strong
🧠 Money mindset shifts that change everything
📈 The simple truth about compound interest, investing, and building wealth
🔥 How to navigate debt, fear, and uncertainty with confidence
🙌 Why women are uniquely powerful investors
💡 What to do now to take advantage of market dips
🛠️ The exact steps to start investing without confusion or overwhelm

Madison also shares her personal story... from moving out at 17 to paying her way through college to completely transforming her financial life and how she now helps women rewrite their money identity and build long-term wealth with ease.

PLUS! Madison will be teaching an exclusive Investing Masterclass inside the Money Mom Club on December 9th. If you’re ready for 2026 to be the year you finally feel confident with your money, you won’t want to miss it.

Connect with Madison:
Instagram: @newmoneymadison
Podcast: Busy Getting Better

Join the Money Mom Club & register for the December masterclass:
www.heyrachelcoons.com/moneymomclubsept

xoxo,
Rachel

Where to find me:
Instagram: @heyrachelcoons

Join me for my 'Money RESET 2026' training!: REGISTER HERE

Feeling overwhelmed by holiday spending, family expectations, and the pressure to create a “perfect” season? In this episode of the Money Mom Podcast, host Rachel Coons shares heartfelt stories and practical strategies to help you reclaim the magic of the holidays—without breaking the bank.

Rachel dives into:

• Setting boundaries around money and energy
• Creating meaningful family traditions that don’t cost a fortune
• Navigating Black Friday and holiday sales with intention
• Communicating your financial goals with loved ones
• Focusing on presence, connection, and giving back

Tune in for inspiration, relatable stories, and actionable tips to make this holiday season joyful, intentional, and stress-free. Whether you’re looking to avoid January remorse or simply want to bring more peace and meaning to your celebrations, this episode is for you! Listen now and start creating the holiday season you truly want.

xoxo,
Rachel

Where to find me:
Instagram: @heyrachelcoons

Join me for my 'Money RESET 2026' training!: REGISTER HERE