In this deeply personal and eye-opening episode, Joyce Palmer of JP Financial Group and Fran Marie sits down with Ramona Holloway — beloved radio host, speaker, and devoted caregiver — to talk about the emotional and financial realities families face when long-term care becomes part of the journey.

Ramona shares her own experience caring for her mother, revealing the unexpected challenges, the hidden costs, and the life-changing lessons that come with being a caregiver. This is the conversation every family needs to hear but rarely has.

🎧 In this episode, you'll learn: • The true cost of long-term care (beyond the price tag) • How caregiving impacts your savings, retirement, and emotional well-being • Steps you can take now to prepare — financially and mentally • Why so many people are unprepared, and how to avoid the same mistakes • Encouragement for anyone currently caring for a parent or aging loved one

This episode offers truth, compassion, and practical financial wisdom — all in one place.

👉🏽 Follow the podcast and share this episode with someone who is walking the caregiving journey. Your story matters. Your loved ones matter. And your financial peace matters too.

You take care of everyone — but who's taking care of you?

In this special episode, Joyce Palmer talks to the nurses, caregivers, and healthcare heroes who've given their lives to serving others. It's time to secure your benefits, protect your income, and prepare for a strong financial future.

🎙️ Topics Covered:

• Why financial planning matters for nurses

• How open enrollment can impact your future income

• The top 3 ways to protect your paycheck and build long-term wealth

• Real talk about burnout, balance, and financial peace

💡 Because caring for others starts with caring for yourself — financially, mentally, and emotionally.

👉🏽 Follow, rate, and share this episode to empower another nurse today.

💬 Life Insurance Awareness: Building a Legacy That Lasts

Description: In this powerful episode, Joyce Palmer from JP Financial Group uncovers the truth behind life insurance myths and why so many families wait until it's too late.

🎙️ Discover the difference between term and whole life insurance, learn how cash value works, and understand why coverage is about love, not loss.

You'll walk away knowing:

• The #1 reason people regret not getting life insurance sooner

• How to choose the right policy for your goals

• How to turn life insurance into a wealth-building tool

💡 Because real financial freedom starts with protection.

👉🏽 Follow the podcast and share this episode with someone you care about. 🎧 New episodes every Tuesday, Thursday, and Sunday!

This week, Joyce Palmer from JP Financial Group walks you through everything you need to know for Medicare Open Enrollment 2026. From plan comparisons to money-saving strategies, this episode helps you make confident, informed choices about your healthcare in retirement.

🎙️ Real talk for women and families navigating Medicare — simple, clear, and stress-free.

You'll learn: • What's new for 2026 and how it affects your coverage • The difference between Advantage vs Supplement plans • The deadlines you can't afford to miss • The biggest mistakes retirees make (and how to avoid them)

💡 Follow, rate, and share this episode to help more families plan wisely for their future.

What happens when your body and your bank account collide?

Dr. Isreal joins Joyce and Francene to break down the real-life impact of medical expenses on retirement, and what Black and Brown families need to consider before they reach the red zone.

💬 In this episode:

• How chronic illness shifts your financial plan

• Preventing healthcare debt before it starts

• Cultural barriers to planning early

• Empowering health literacy for wealth longevity

This one is personal, powerful, and proactive.

If you think the Proactive Women Podcast is just for the ladies — think again. We're showing how men factor into the financial planning picture and why they need to be just as involved.

From unexpected risks to missed opportunities, this episode covers:

• Retirement planning blind spots for men

• Financial communication in relationships

• Why men delay planning (and how to fix it)

Men — this one's for you.

You asked—and we delivered. Part 2 of our breakdown into The Big Beautiful Bill takes you deeper into what healthcare and retirement might look like in the next 3–5 years.

This episode brings clarity, urgency, and solutions for women who want to take control of their future before it's too late.

🎧 Perfect for:

• Nurses & healthcare workers

• Women preparing for Medicare

• Financially aware women who want faith + strategy

#BigBeautifulBill #MedicareChanges #HealthcareReform2025 #RetirementForWomen #BlackWomenRetireWell #FaithAndFinance #FinancialLiteracyForWomen

You give your all to patients—but are you giving your future the same care? This episode is dedicated to our nurses, CNAs, and caregivers who serve selflessly but may not be prepared financially for retirement. This is your moment to pause and plan.

🎯 Perfect For:

• Nurses & healthcare workers of all ages

• Women in service-based careers ready to retire with peace

• Listeners seeking compassionate yet practical financial advice

Mid-Year Reset — Refocus and Realign with Purpose

It's time to take inventory and get back in position. This episode is all about checking in with your goals, giving yourself grace, and setting intention for the rest of the year. No pressure—just power, clarity, and purpose.

🎯 Perfect For:

• Women who feel off track or overwhelmed

• Creatives and planners looking to reset intentionally

• Anyone wanting to finish 2024 strong and soul-aligned

From groceries to gas to retirement goals—inflation affects everything. In this episode, we talk about how to outsmart rising costs and keep your financial goals on track for the long term.

🎯 Perfect For:

• Women 50+ planning for retirement

• Anyone looking to understand inflation impacts

• Families trying to stretch their dollars wisely

Inflation Survival, Money Tips for Women, Protect Your Wealth, Inflation Explained, Retirement Adjustments, Women in the Red Zone, Financial Planning 2025, Long-Term Finance