MONEY WITHOUT MATH

What if money wasn’t just about adding and subtracting, but truly about aligning with your purpose and joy? 

Dive into this episode as Karen Coyne chats with Michelle Boulé, a life coach, dancer, and healer who connects money, movement, and mindset. Together they explore how our physical movements and spiritual awareness shape our financial journeys.

From Michelle’s inspiring journey from a professional dancer to a transformative coach, to practical insights on overcoming money shame, this episode is packed with revelations. You'll also learn about the power of aligning desires with universal laws and how these can create true financial and personal prosperity.

Key discussions include:

• The interconnection between money and movement 
• The role of desire and redefining personal goals 
• Embracing universal laws for financial well-being 
• Celebrating personal truths and overcoming societal scripts 
• And more!

Connect with Karen Coyne: 

• Clarity Planning
• [email protected]
• 301-739-7002
• LinkedIn: Karen Coyne, CFP®
• X: @karencoyne
• YouTube: @karencoynecfp
• Instagram: @moneywithoutmath

Connect with Michelle Boulé:

• Instagram: Michelle Boulé
• Facebook: Michelle Boulé
• YouTube: Michelle Boulé Coaching
• Michelle Boulé Coaching

About Michelle Boulé: 

Michelle Boulé has studied the body and movement for 35 years. An award-winning dancer, choreographer, and teacher of international renown, she has always believed that creativity, movement and healing are inextricably linked. The New York Times has said “When Ms. Boulé is onstage, it’s hard to take your eyes off of her…”, and she was the featured contemporary dancer in a video profile by The New Yorker Magazine. Michelle credits her work in energy and consciousness-based medicine as a tool that has furthered her career as an artist. Various injuries and setbacks also gifted her with an intimate understanding of how the body and energy move, allowing her to connect to clients with precision and compassion in her energy medicine practice.

Michelle became a Certified BodyTalk Practitioner in 2008, immediately recognizing it to be one of the most comprehensive, effective, and efficient healthcare modalities she had ever encountered. It transformed her life, to say the least, by giving her a profoundly different understanding of how the body, mind, and spirit find vitality and health. Her work in dance and healing is also influenced by a broad repertoire of healing modalities studied over the course of twenty years, including SourcePoint Therapy, BioGeometry, Yuen Method, Body-Mind Centering®, Fitzmaurice Voicework, Alexander Technique, Franklin Method, Feldenkrais Method, yoga, and Ayurveda.

What does your wardrobe reveal about you? Have you considered how it can subtly influence your professional success and sense of worth?

Karen Coyne chats with Morgan Wider, a dynamic image consultant and stylist, to unravel the deeper connection between our style choices and our sense of self-worth. Discover how clothing can be empowering beyond mere appearances and learn to embrace your authentic self!

Key conversations include:

• The emotional layers of style and how self-worth influences wardrobe choices
• Personal stories of transformation through embracing one's unique style
• Practical strategies for building a wardrobe that reflects your true self without breaking the bank
• The importance of authenticity in personal and professional environments

Resources:

• “The Worthy Wardrobe” by Morgan Wider
• The Worthy Reveal With Morgan Wider

Connect with Karen Coyne: 

• Clarity Planning
• [email protected]
• 301-739-7002
• LinkedIn: Karen Coyne, CFP®
• X: @karencoyne
• YouTube: @karencoynecfp
• Instagram: @moneywithoutmath

Connect with Morgan Wider:

• WiderStyle
• Morgan Wider Website
• LinkedIn: Morgan Wider
• Facebook: WiderStyle
• X: @widerstyle
• Instagram: @morganwiderstyle
• [email protected]

About Our Guest:

As an engaging speaker, workshop facilitator, wardrobe stylist and podcast host, Morgan Wider equips executives, employees, entrepreneurs, and college students with the tools to show up as their "Authentically Appropriate" selves, no matter their identity.

Morgan works with Fortune 500 companies, colleges and individuals. Morgan’s corporate clients include: The Portland Trailblazers, Google, Walmart, Assured Partners Insurance, Chick-fil-A, Porsche, Mercedes-Benz, and Bank of America.

By focusing on the critical components of Executive Presence, Morgan gives tangible tools to improve perception, increase performance and maximize personal power. Morgan delivers timely and effective workshops, styling, and branding services. Her sessions explore the intersections of image, race, gender identity and age and how to overcome "image bias."

Did you know that as an unmarried couple, you could be exposed to over 1,000 potential financial vulnerabilities that married couples are protected from?

Unmarried couples are navigating a complex web of financial challenges, often without the protections that marriage offers—this episode sheds light on what you need to know.

Uncover the vital financial considerations and protections for unmarried couples, professionally navigated by Karen Coyne and guest Joshua Charles. Listen to understand the implications of estate planning, why insurance is even more crucial, and how to safeguard your financial future.  

Key conversation highlights:

• Why estate planning is more critical for unmarried couples
• The essential but often overlooked insurance needs  
• The unique risks and rights in financial planning for unmarried partners
• Actionable insights on protecting your financial well-being and assets
• And more!

Resources:

• Unmarried Ever After: Your Legal Reality with Joshua T. Charles, CFP®

Connect with Karen Coyne: 

• Clarity Planning
• [email protected]
• 301-739-7002
• LinkedIn: Karen Coyne, CFP®
• X: @karencoyne
• YouTube: @karencoynecfp
• Instagram: @moneywithoutmath

Connect with Joshua Charles:

• LinkedIn: Joshua T. H. Charles CFP®, CHFC®, CLU®, ADPA®, CLTC®, CEP®, WMS®, AIF® 
• Financial-360 Comprehensive Wealth Services LLC.

Who would care for your pet if you were unable to? Pet planning is not just for the rich and famous; it’s an essential aspect of responsible pet ownership.

Karen Coyne dives into the often overlooked aspect of pet planning with guests Abby Schneiderman, Adam Seifer, and Gene Newman, the minds behind the digital tool EverPlans. 

Learn about the critical information you need on hand for emergencies, and why pet insurance might be more important than you think.

Key highlights:

• The importance of planning and establishing pet trusts for long-term care
• How pet insurance can save you from unexpected expenses and tough decisions
• The EverPlans tool as a means of organizing essential pet information for emergencies
• The critical roles pets play in our lives and how to ensure they are protected and cared for, always

Resources:

• Everplans

Connect with Karen Coyne: 

• Clarity Planning
• [email protected]
• 301-739-7002
• LinkedIn: Karen Coyne, CFP®
• X: @karencoyne
• YouTube: @karencoynecfp
• Instagram: @moneywithoutmath

Connect with Guests:

• LinkedIn: Abby Schneiderman
• LinkedIn: Adam Seifer
• LinkedIn: Gene Newman

What does legacy mean? 

The idea of leaving a worthy legacy can feel daunting. What will I leave behind? How will I be remembered? 

In this episode, Karen Coyne chats with Dr. Kimberly Harms, a grief counselor, death doula and author who shares her incredible story of overcoming personal hardships, the power of personal connections, and how to leave a legacy that’s more than material. 

If legacies are rooted in love and relationships rather than just numbers of dollars, building emotional resilience deserves as much attention as our legal and financial planning. 

Other discussions include:

• Understanding and redefining legacy beyond material assets
• Dr. Harms' journey through personal adversity and grief and how it shaped her
• Insights on building emotional insurance and strong family bonds 
• Practical tips on creating legacy letters and preparing for the inevitable 

Resources:

• “Are You Ready? How to Build a Legacy to Die For” by Dr. Kimberly Harms
• More Books from Dr. Kimberly Harms

Connect with Karen Coyne: 

• Clarity Planning
• [email protected]
• 301-739-7002
• LinkedIn: Karen Coyne, CFP®
• X: @karencoyne
• YouTube: @karencoynecfp
• Instagram: @moneywithoutmath

Connect with Dr. Kimberly Harms:

• LinkedIn: Kim Harms
• Last Minute Legacy

About Our Guest:

Dr. Kimberly Harms has been around the block in life. She has served as a Commissioned Officer in the United States Public Health Service, a dental school professor, a grief counselor, a death doula, a civil mediator, a clinical dentist with her late husband Jim in Farmington MN, a school board Chair, President of an international women’s organization, the first woman President of the Minnesota Dental Association, a National Spokesperson for the American Dental Association (21 years), an award-winning, best selling author and international speaker on the topics of grief, conflict and legacy planning. 

She has also suffered many personal losses, including the deaths by suicide of her mother and son and the death by broken heart of her husband after their son’s death. Her most important role now is mother to her two surviving children and grandmother to 6 precious grandchildren.

If you feel overwhelmed by clutter, imagine how your children and loved ones will feel when they are tasked with going through all of your stuff one day.

Or maybe you’ve already been through this process after losing someone and know how difficult it can be. Perhaps the experience changed your perspective on how many things we needlessly hold onto. 

Decluttering isn’t just about tidying up. It can also serve to lighten the load that our loved ones will eventually be left to deal with.

This is where Swedish Death Cleaning comes in. Inspired by The Gentle Art of Swedish Death Cleaning by Margareta Magnusson, this method helps you declutter with intention, making life easier for those you leave behind.

Mindy Godding, a professional organizer, describes the process and shares simple, practical tips. My favorite is to start with less sentimental spaces, like utility areas, before moving on to items with emotional value. Plus, learn how open conversations with family can relieve future stress.

Take control of your belongings and simplify your life, while bringing ease to both you and your family.

Key Highlights:

• Swedish Death Cleaning: A deeply personal approach to decluttering with the aim of reducing future burdens on loved ones
• Gentle Approach: Tackle decluttering mindfully, balancing emotional and practical considerations
• Starting Small: Begin with utility spaces like pantries to build momentum without overwhelm
• Emotional Challenges: Manage the sentimental weight of certain items while staying focused on what matters
• Secrets and Sentimentality: Tips for letting go of hidden or private items that don’t serve you anymore
• Empowerment: Take control of your possessions while granting peace and simplicity to your loved ones
• And much more!

Resources:

• The Gentle Art of Swedish Death Cleaning by Margareta Magnusson
• Spark Joy: The Life Changing Magic of Tidying Up by Marie Kondo
• Previous episode with Mindy Godding

Connect with Karen Coyne: 

• Clarity Planning
• [email protected]
• 301-739-7002
• LinkedIn: Karen Coyne, CFP®
• X: @karencoyne
• YouTube: @karencoynecfp
• Instagram: @moneywithoutmath

Connect with Mindy Godding: 

• LinkedIn: Mindy Godding 
• @abundanceorganizing
• Abundance Organizing

About Our Guest: 

Mindy Godding is co-founder of Abundance Organizing, an A+ accredited move management and organizing company offering household decluttering, downsizing, and unpacking services. The Abundance Organizing team serves to organize clients hands-on across Central Virginia and virtually throughout the U.S. For more information: www.abundanceorganizing.com. 

If you are single or in a long-term relationship with no plans to get married, you might think that you don’t need an estate plan. After all, estate planning conversations often revolve around the married couple with 2.5 kids. But the surprising reality is that it’s even more critical for unmarried people to prioritize this planning. 

Whether you are partnered but not legally married, part of the LGBTQ+ community, widowed, or simply choosing to remain single, your legal reality is that you don’t have the same rights and protections that your married counterparts do. 

Karen Coyne, CFP®, teams up with financial planning professional Joshua Charles, CFP®, to give an overview of the financial and legal gaps you face and practical, actionable steps you can take to close them. 

Together, they discuss everything from safeguarding assets and planning for long-term care to building a solid financial foundation—no marriage certificate required—so that you can stay happily unmarried when it comes to your money.

Key Highlights:

• Legal Gaps: Unmarried couples miss over 1,100 legal protections. Learn how this impacts areas like hospital access, tax benefits, and inheritance
• Asset Titling: Discover the importance of correctly titling assets to avoid complications
• Power of Attorney (POA): Joshua demystifies POAs, explaining their value in maintaining autonomy while delegating authority
• Unique Demographics: LGBTQ+ couples, older adults, and other groups face distinct challenges—learn the strategies they can employ
• Long-Term Care: Prepare for potential incapacitation and aging in place with effective planning tools
• Estate Planning for All: Nearly everyone needs an estate plan, whether married, single, with children or not
• And much more!

Connect with Karen Coyne: 

• Clarity Planning
• [email protected]
• 301-739-7002
• LinkedIn: Karen Coyne, CFP®
• X: @karencoyne
• YouTube: @karencoynecfp
• Instagram: @moneywithoutmath

Connect with Joshua T. H. Charles: 

• LinkedIn: Joshua T. H. Charles CFP®, CHFC®, CLU®, ADPA®, CLTC®, CEP®, WMS®, AIF®
• Financial 360 LLC

About Our Guest: 

Joshua T. H. Charles, founder of Financial 360 LLC, is an experienced financial planner specializing in personalized estate and financial planning for diverse individuals, families, unmarried couples, and the LGBTQ+ community. Based in Washington, DC, Joshua’s practice spans several states, offering expertise in investment planning, estate provisions, retirement strategies, and asset protection.

With numerous credentials, including CERTIFIED FINANCIAL PLANNER™, ChFC®, CLU®, and ADPA®, Joshua provides clients with the tools and education they need for informed, long-term decision-making. He has been featured in major outlets like The Wall Street Journal and NPR, and serves as an Ambassador for the CFP® Board, frequently speaking at national events.

A graduate of Florida State University, Joshua combines his extensive experience with a passion for empowering clients to build secure financial futures.

Do you desire a wedding that’s distinctly personal, unique, and unforgettable, but won’t break the bank?

Discover the beauty of micro-weddings.

As more couples seek alternatives to large, traditional events, micro-weddings offer an intimate and often affordable way to celebrate without losing the magic. With fewer than 50 guests, these small gatherings free up time, money, and energy so you can prioritize what matters most to you in a big way. 

Karen Coyne, CFP®, speaks with Jennie Swenson, founder of microWED collective, about her own journey planning an elaborate wedding that shifted to a smaller, budget-friendly, week-long celebration that was also deeply meaningful.

Listen in to reimagine what your wedding might look like and how you can create an event that’s uniquely yours.

Key Highlights:

• What is a Micro-Wedding? Micro-weddings host fewer than 50 guests, offering an intimate, personalized experience. Unlike elopements (no guests) or minimonies (simplified events with 20-30 guests), micro-weddings balance elegance and intimacy
• Cost Savings & Flexibility: Micro-weddings allow couples to save money without sacrificing quality, helping them invest in what matters most to them — be it food, venue, or experiences
• Prioritizing What Matters: Jennie advises couples to define their priorities early in the process — like budget, guest list, and venue — to make planning easier and ensure a personalized celebration
• Navigating Family & Societal Expectations: Jennie shares strategies for dealing with the pressure to host large, traditional weddings, including how to have tough conversations with family
• Jennie’s Personal Experience: Jennie hosted her destination micro-wedding in Southwestern Colorado with 38 guests. The week-long celebration allowed her to focus on meaningful time with loved ones, avoiding the stress of a larger event
• Top Tips for Couples: From outlining priorities to managing guest expectations, Jennie offers essential advice for those considering a micro-wedding
• The Micro-Wedding Revolution: As more couples seek personalized and cost-effective alternatives, micro-weddings are becoming a major trend in the wedding industry
• And much more!

Connect with Karen Coyne: 

• Clarity Planning
• [email protected]
• 301-739-7002
• LinkedIn: Karen Coyne, CFP®
• X: @karencoyne
• YouTube: @karencoynecfp
• Instagram: @moneywithoutmath

Connect with Jennie Swenson: 

• LinkedIn: Jennie Swenson
• microWED collective
• Instagram: @that_microwed_girl 

About Our Guest: 

Jennie Swenson, once a project management leader and business strategist, has transformed her career to become a blogger and digital marketer with a passion for all things small weddings. Drawing from her experience planning a micro-wedding, Jennie now runs a blog that’s a go-to resource for couples planning intimate celebrations. From free planning tips to a handpicked vendor directory and real wedding inspiration, her blog is full of thoughtful advice. When she's not writing, Jennie is soaking up life in Fort Collins, Colorado, where she loves spending time outdoors with her husband and their dog, Iris, tending to her garden, and staying active.

Sports betting might seem harmless fun, but it can quietly wreak havoc on your wallet and well-being. With apps making it easier to gamble, the risks are rising and are not always obvious.

Karen Coyne sits down with Amara Durham, co-founder of Urgent Care Mental Health, to talk about the hidden dangers of sports betting addiction. Amara shares how gambling can lead to financial ruin and strained relationships and why financial advisors need to help families spot the warning signs.

Don’t think that it can’t happen to you or your family; take a listen and learn to better recognize addiction, set boundaries, and include protective measures in financial planning. 

Key Highlights:

• The Hidden Risk of Sports Betting: How the normalization of betting through mobile apps and media is making it dangerously accessible, especially for young people
• Gambling & Addiction: Understanding the deep connection between gambling addiction and other mental health challenges, like substance abuse and personality disorders
• Impact on Different Demographics: How gambling addiction affects people across all income levels and why it can be particularly harmful to wealthy families and young individuals
• Financial Advisors’ Role: Why financial planners need to address addiction in conversations about financial and estate planning to help protect clients from its impacts
• Practical Advice for Families: Tips on how to set personal boundaries around gambling and start meaningful discussions about the risks involved
• Resources for Help: The growing importance of resources like 1-800-GAMBLER and the role of advisors in guiding clients toward the right support systems
• And much more!

Resources:

• Why We Must Address Addiction in Financial Planning with Amanda Koplin

Connect with Karen Coyne: 

• Clarity Planning
• [email protected]
• 301-739-7002
• LinkedIn: Karen Coyne, CFP®
• X: @karencoyne
• YouTube: @karencoynecfp
• Instagram: @moneywithoutmath

Connect with Amara Durham: 

• LinkedIn: Amara Durham
• Website: Amara Durham Consulting
• Facebook: Amara Durham Consulting
• X: Amara Durham Consulting

About Our Guest:

Amara Durham works with clients of all ages suffering from mental health and substance use issues to develop strategies for assessment, intervention, treatment, aftercare planning, and accountability. Amara combines her experience in the addiction treatment industry with her legal knowledge to guide families, attorneys, trustees, and other professionals through the overwhelming number of resources in the fractured healthcare and insurance industries. She creates bespoke teams of experts including medical and mental health providers, legal counsel, and professionals who best fit her clients’ needs. 

Quitting has such a negative connotation today. But quitting isn’t always a terrible thing. In fact, it can be a powerful and positive skill.

In this episode, Karen Coyne and Amani Zaveri examine the misunderstood art of quitting. For starters, the Latin root word for quitting, quietus, is closer to liberating than it is to failing.

Karen and Amani connect financial habits to the concept of quitting, offering fresh insights on using savings for intentional life changes. They explore when it’s time to quit — whether a job, relationship, or hobby — by recognizing signs like persistent dissatisfaction, an overloaded schedule, or mental disengagement.

(This episode reminds us that quitting, when done thoughtfully, can be a powerful step toward a more authentic and fulfilling life!)

Key Highlights:

• Quitting as Liberation: Redefining quitting as a positive and necessary life skill for personal growth
• Financial Decisions & Quitting: Linking financial habits to the strategic use of quitting for intentional life changes
• Knowing When to Quit: Recognizing the signs that it’s time to let go and move forward
• Quiet Quitting: Understanding how disengagement extends beyond the workplace to relationships and activities
• Benefits of Quitting: Discovering the mental clarity and renewed energy that come from making the right decisions at the right time
• Navigating the Emotional Side: Handling the grief and loss that may accompany quitting, with support from others
• Practical Tips: Regularly reassessing your life’s direction to ensure you’re aligned with your true goals
• And much more!

Connect with Karen Coyne: 

• Clarity Planning
• [email protected]
• 301-739-7002
• LinkedIn: Karen Coyne, CFP®
• X: @karencoyne
• YouTube: @karencoynecfp
• Instagram: @moneywithoutmath

Connect with Amani Zaveri: 

• LinkedIn: Amani Zaveri
• Global Soul Travel
• Substack for Amani’s travel business
• Book a complimentary exploratory call 

About Our Guest: 

Originally from India and born and raised in Hong Kong, Amani has been in the luxury travel space for 12 years. After working as a members-only concierge for 9 years, she launched her own luxury travel agency where she works with high-net-worth individuals and companies for their travel needs. She's planned everything from Indian destination weddings to a year-long round-the-world trip for a family and everything in between. 

Amani's desire to start her own business was propelled by a need to have more flexibility and spend more quality time with family. She's passionate about helping female entrepreneurs create balance in their lives so they don't have to choose their careers or personal life.