The Money Clarity Podcast

If you’ve ever felt stuck, overwhelmed by a big debt number, or isolated by social media highlight reels, Lindsey’s story is a powerful reminder that you don't have to wait until you're 100% debt-free to start living a life you love.

RESOURCES MENTIONED IN THIS EPISODE:

The Empowered Money Circle: https://www.theexuberantelephant.com/emc

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❇️ Join The Empowered Money Circle on Skool! ❇️

https://www.theexuberantelephant.com/emc

🟪 FREE RESOURCES: https://www.theexuberantelephant.com/downloads

🟪 EVERYTHING PAGE: https://www.theexuberantelephant.com/everything

🟪 BLOG: https://www.theexuberantelephant.com/blog-home

➡️ Try YNAB for FREE for 34 days: https://theexuberantelephant.com/ynab (affiliate link)

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DISCLOSURES

By using the affiliate links above, I may earn a small commission if you decide to purchase anything. Thank you for your support :-)

YNAB Disclosure: I am a YNAB Certified Budgeting Coach, which means that I have been trained to coach people on using YNAB software and the YNAB budgeting method. I have met select requirements of You Need a Budget LLC in order to receive this certification, which means that I have the ability to competently coach YNAB to others. I am not an employee of YNAB, and all non-YNAB related opinions and recommendations are my own. My views do not reflect the views of YNAB and its employees or affiliates.

We’ve all been there: the car makes a weird noise, the annual insurance bill hits your inbox, or, if you’re like me, your cat needs an emergency vet visit. Suddenly, your carefully planned budget feels "broken." In our Season 1 finale, I’m sharing the one tool that changed everything for me: Sinking Funds. Learn how to turn those scary "surprises" into just another Tuesday and how we are mastering this together inside the membership this month!

RESOURCES MENTIONED IN THIS EPISODE:

JOIN THE EMPOWERED MONEY CIRCLE – Get in before the price increases on April 1st! This is where we are focusing on Sinking Funds all through April. https://www.theexuberantelephant.com/emc

THE EVERYTHING PAGE – Access all my free guides, YNAB templates, and 1:1 coaching options. Grab any free resource and you'll be on my email list! https://www.theexuberantelephant.com/everything

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❇️ Join The Empowered Money Circle on Skool! ❇️

https://www.theexuberantelephant.com/emc

🟪 FREE RESOURCES: https://www.theexuberantelephant.com/downloads

🟪 EVERYTHING PAGE: https://www.theexuberantelephant.com/everything

🟪 BLOG: https://www.theexuberantelephant.com/blog-home

➡️ Try YNAB for FREE for 34 days: https://theexuberantelephant.com/ynab (affiliate link)

---

DISCLOSURES

By using the affiliate links above, I may earn a small commission if you decide to purchase anything. Thank you for your support :-)

YNAB Disclosure: I am a YNAB Certified Budgeting Coach, which means that I have been trained to coach people on using YNAB software and the YNAB budgeting method. I have met select requirements of You Need a Budget LLC in order to receive this certification, which means that I have the ability to competently coach YNAB to others. I am not an employee of YNAB, and all non-YNAB related opinions and recommendations are my own. My views do not reflect the views of YNAB and its employees or affiliates.

Have you ever wondered what a money coach actually does when life gets messy, groceries get expensive, and the "head trash" starts to kick in?

We see the polished highlight reels everywhere online: the perfect YNAB budgets, the debt payoff celebrations, and the dream vacations. But as I always say, money is a journey, not a box you check and forget. It’s a lifelong process of growth, and that includes me, too!

In this episode, I’m sharing a special invitation to something I’ve never done before. I’m pulling back the curtain on my life, my business, and everything in between for The Exuberant Elephant Insider Week.

I’ve created a live Google Doc where I’ll be documenting the "messy middle" in real time. No filters, no "picture-perfect" spreadsheets—just the real work of navigating money mindset, business goals, and yes, probably some cat-related budget categories.

RESOURCES MENTIONED IN THIS EPISODE:

Join The Exuberant Elephant Insider Week: https://theexuberantelephant.kit.com/insider

Learn more about The Empowered Money Circle: theexuberantelephant.com/membership

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❇️ Join The Empowered Money Circle on Skool! ❇️

https://www.theexuberantelephant.com/emc

🟪 FREE RESOURCES: https://www.theexuberantelephant.com/downloads

🟪 EVERYTHING PAGE: https://www.theexuberantelephant.com/everything

🟪 BLOG: https://www.theexuberantelephant.com/blog-home

➡️ Try YNAB for FREE for 34 days: https://theexuberantelephant.com/ynab (affiliate link)

---

DISCLOSURES

By using the affiliate links above, I may earn a small commission if you decide to purchase anything. Thank you for your support :-)

YNAB Disclosure: I am a YNAB Certified Budgeting Coach, which means that I have been trained to coach people on using YNAB software and the YNAB budgeting method. I have met select requirements of You Need a Budget LLC in order to receive this certification, which means that I have the ability to competently coach YNAB to others. I am not an employee of YNAB, and all non-YNAB related opinions and recommendations are my own. My views do not reflect the views of YNAB and its employees or affiliates.

In this episode of the Money Clarity Podcast, Lindsey Ciarrocca breaks down what a high-yield savings account (HYSA) is, why it can be worth using, and what bank is her favorite.

RESOURCES MENTIONED IN THIS EPISODE:

FREE YNAB Category Setup Guide & Template: https://theexuberantelephant.com/ynab-setup

Ally Bank: https://theexuberantelephant.com/ally

---

❇️ Join The Empowered Money Circle on Skool! ❇️

https://www.theexuberantelephant.com/emc

🟪 FREE RESOURCES: https://www.theexuberantelephant.com/downloads

🟪 EVERYTHING PAGE: https://www.theexuberantelephant.com/everything

🟪 BLOG: https://www.theexuberantelephant.com/blog-home

➡️ Try YNAB for FREE for 34 days: https://theexuberantelephant.com/ynab (affiliate link)

---

DISCLOSURES

By using the affiliate links above, I may earn a small commission if you decide to purchase anything. Thank you for your support :-)

YNAB Disclosure: I am a YNAB Certified Budgeting Coach, which means that I have been trained to coach people on using YNAB software and the YNAB budgeting method. I have met select requirements of You Need a Budget LLC in order to receive this certification, which means that I have the ability to competently coach YNAB to others. I am not an employee of YNAB, and all non-YNAB related opinions and recommendations are my own. My views do not reflect the views of YNAB and its employees or affiliates.

Most people think budgeting is all about the math, but this episode explores why it’s really 90% mindset—and how old money scripts like “we can’t afford that” can keep you stuck in anxiety no matter what spreadsheet you use.

RESOURCES MENTIONED IN THIS EPISODE:

Align Your Money Workbook:

https://www.theexuberantelephant.com/align

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❇️ Join The Empowered Money Circle on Skool! ❇️

https://www.theexuberantelephant.com/emc

🟪 FREE RESOURCES: https://www.theexuberantelephant.com/downloads

🟪 EVERYTHING PAGE: https://www.theexuberantelephant.com/everything

🟪 BLOG: https://www.theexuberantelephant.com/blog-home

➡️ Try YNAB for FREE for 34 days: https://theexuberantelephant.com/ynab (affiliate link)

---

DISCLOSURES

By using the affiliate links above, I may earn a small commission if you decide to purchase anything. Thank you for your support :-)

YNAB Disclosure: I am a YNAB Certified Budgeting Coach, which means that I have been trained to coach people on using YNAB software and the YNAB budgeting method. I have met select requirements of You Need a Budget LLC in order to receive this certification, which means that I have the ability to competently coach YNAB to others. I am not an employee of YNAB, and all non-YNAB related opinions and recommendations are my own. My views do not reflect the views of YNAB and its employees or affiliates.

Are you tired of checking your bank account and playing a guessing game with your money? In today’s episode, we are diving into the world of Zero-Based Budgeting.

In this episode, we cover:

1. What Zero-Based Budgeting actually is: Hint: It’s not about having $0 in your bank account! It’s about giving every single dollar you have right now a specific job to do before you get paid again.
2. Why it’s a total game-changer: We talk about how this method eliminates that stressful "mental accounting" we all try (and fail) to do in our heads.
3. Embracing your True Expenses: How to prepare for those "unexpected" costs—like car repairs or the vet bill for your favorite fur baby—so they become a total non-event.
4. Flexibility and Clarity: Why a budget isn't a "restriction," but a roadmap that allows you to move money around when life happens (because it always does!).
5. My favorite tool: Why I use YNAB (You Need A Budget) for my personal household and both of my businesses to stay in total control.

RESOURCES MENTIONED IN THIS EPISODE:

FREE Beginner's Budget Guide: https://www.theexuberantelephant.com/guide

ADDITIONAL RESOURCES:

Blog Post: Mastering YNAB’s Four Rules for Budgeting

Blog Post: The Five Questions That Transform How You Budget

YNAB Made Easy Course: https://www.theexuberantelephant.com/ynab-course

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❇️ Join The Empowered Money Circle on Skool! ❇️

https://www.theexuberantelephant.com/emc

🟪 FREE RESOURCES: https://www.theexuberantelephant.com/downloads

🟪 EVERYTHING PAGE: https://www.theexuberantelephant.com/everything

🟪 BLOG: https://www.theexuberantelephant.com/blog-home

➡️ Try YNAB for FREE for 34 days: https://theexuberantelephant.com/ynab (affiliate link)

---

DISCLOSURES

By using the affiliate links above, I may earn a small commission if you decide to purchase anything. Thank you for your support :-)

YNAB Disclosure: I am a YNAB Certified Budgeting Coach, which means that I have been trained to coach people on using YNAB software and the YNAB budgeting method. I have met select requirements of You Need a Budget LLC in order to receive this certification, which means that I have the ability to competently coach YNAB to others. I am not an employee of YNAB, and all non-YNAB related opinions and recommendations are my own. My views do not reflect the views of YNAB and its employees or affiliates.

In today’s episode, we’re diving into YNAB's Five Questions that transform how you budget. Think of these questions as building blocks in your financial pyramid. We’ll start at the base with your present reality and work our way up to the top, where flexibility and your biggest, wildest dreams live!

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❇️ Join The Empowered Money Circle on Skool! ❇️

https://www.theexuberantelephant.com/emc

🟪 FREE RESOURCES: https://www.theexuberantelephant.com/downloads

🟪 EVERYTHING PAGE: https://www.theexuberantelephant.com/everything

🟪 BLOG: https://www.theexuberantelephant.com/blog-home

➡️ Try YNAB for FREE for 34 days: https://theexuberantelephant.com/ynab (affiliate link)

---

DISCLOSURES

By using the affiliate links above, I may earn a small commission if you decide to purchase anything. Thank you for your support :-)

YNAB Disclosure: I am a YNAB Certified Budgeting Coach, which means that I have been trained to coach people on using YNAB software and the YNAB budgeting method. I have met select requirements of You Need a Budget LLC in order to receive this certification, which means that I have the ability to competently coach YNAB to others. I am not an employee of YNAB, and all non-YNAB related opinions and recommendations are my own. My views do not reflect the views of YNAB and its employees or affiliates.

Are you tired of feeling like your budget is a rigid box that stops you from having fun? Let's talk about YNAB's original four rules and debunk that myth!

RESOURCES MENTIONED IN THIS EPISODE:

❇️ Join The Empowered Money Circle on Skool! ❇️

https://www.theexuberantelephant.com/emc

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🟪 FREE RESOURCES: https://www.theexuberantelephant.com/downloads

🟪 EVERYTHING PAGE: https://www.theexuberantelephant.com/everything

🟪 BLOG: https://www.theexuberantelephant.com/blog-home

➡️ Try YNAB for FREE for 34 days: https://theexuberantelephant.com/ynab (affiliate link)

---

DISCLOSURES

By using the affiliate links above, I may earn a small commission if you decide to purchase anything. Thank you for your support :-)

YNAB Disclosure: I am a YNAB Certified Budgeting Coach, which means that I have been trained to coach people on using YNAB software and the YNAB budgeting method. I have met select requirements of You Need a Budget LLC in order to receive this certification, which means that I have the ability to competently coach YNAB to others. I am not an employee of YNAB, and all non-YNAB related opinions and recommendations are my own. My views do not reflect the views of YNAB and its employees or affiliates.

Where could your finances be in just three months if you finally took the first step toward your biggest, wildest dreams today? This episode explores how shifting your focus from the overwhelming next forty-seven steps to just the very next one can transform your financial trajectory and empower you to stop playing small with your future.

RESOURCES MENTIONED IN THIS EPISODE:

Align Your Money Workbook: https://www.theexuberantelephant.com/align

---

❇️ Join The Empowered Money Circle on Skool! ❇️

https://www.theexuberantelephant.com/emc

🟪 FREE RESOURCES: https://www.theexuberantelephant.com/downloads

🟪 EVERYTHING PAGE: https://www.theexuberantelephant.com/everything

🟪 BLOG: https://www.theexuberantelephant.com/blog-home

➡️ Try YNAB for FREE for 34 days: https://theexuberantelephant.com/ynab (affiliate link)

---

DISCLOSURES

By using the affiliate links above, I may earn a small commission if you decide to purchase anything. Thank you for your support :-)

YNAB Disclosure: I am a YNAB Certified Budgeting Coach, which means that I have been trained to coach people on using YNAB software and the YNAB budgeting method. I have met select requirements of You Need a Budget LLC in order to receive this certification, which means that I have the ability to competently coach YNAB to others. I am not an employee of YNAB, and all non-YNAB related opinions and recommendations are my own. My views do not reflect the views of YNAB and its employees or affiliates.

Can you actually enjoy spending money? Beth Montgomery, death doula and my first client with The Exuberant Elephant, is living proof that you can. We’re discussing the tipping point that leads to seeking help, the shift from feeling frozen with your finances, and how Beth desensitized her fear of money to create a ripple effect of abundance in her own life and business.

RESOURCES:

30 Free Money Affirmations: https://www.theexuberantelephant.com/affirmations

The Empowered Money Circle Skool community:

https://www.theexuberantelephant.com/emc

👉🏻 Learn more about Beth's work: https://www.deathdoulabeth.com/

---

❇️ Join The Empowered Money Circle on Skool! ❇️

https://www.theexuberantelephant.com/emc

🟪 FREE RESOURCES: https://www.theexuberantelephant.com/downloads

🟪 EVERYTHING PAGE: https://www.theexuberantelephant.com/everything

🟪 BLOG: https://www.theexuberantelephant.com/blog-home

➡️ Try YNAB for FREE for 34 days: https://theexuberantelephant.com/ynab (affiliate link)

---

DISCLOSURES

By using the affiliate links above, I may earn a small commission if you decide to purchase anything. Thank you for your support :-)

YNAB Disclosure: I am a YNAB Certified Budgeting Coach, which means that I have been trained to coach people on using YNAB software and the YNAB budgeting method. I have met select requirements of You Need a Budget LLC in order to receive this certification, which means that I have the ability to competently coach YNAB to others. I am not an employee of YNAB, and all non-YNAB related opinions and recommendations are my own. My views do not reflect the views of YNAB and its employees or affiliates.