Have you ever looked at your bank account and thought… “Why do I still feel broke?”

The bills are paid. Your income might even be decent. But somehow, money still feels stressful, tight, and like it’s constantly slipping through your fingers.

In this episode of the Money Mom Podcast, I’m breaking down why you can have money and still feel broke—and what’s actually going on beneath the surface.

Because here’s the truth most financial advice won’t tell you:
 👉 It’s not just about how much money you make.
 👉 It’s about how safe you feel with the money you already have.

Inside this episode, we’re diving into:

• Why making more money doesn’t fix financial stress
• The hidden reason your money keeps “disappearing”
• How emotional spending is quietly keeping you stuck
• The difference between reactive vs. intentional spending
• How to stop feeling broke—even before your income changes

If you’ve ever found yourself:

• Overspending on Amazon, Target, or takeout
• Wondering where your money went at the end of the month
• Feeling guilty, stressed, or anxious about money
• Or stuck in a cycle of “I just need to make more money…”

This episode will completely shift how you see your finances.

Because the goal isn’t just more money…
 It’s creating a calm, confident, and intentional relationship with money.

And that starts today.

If this episode resonated with you, make sure to subscribe and share it with a friend who needs to hear this.

And if you’re ready to feel more in control of your money (without restriction or overwhelm), register for my free LIVE training next week! 💛
JOIN US HERE

Keywords: budgeting for moms, why do I feel broke, emotional spending, money mindset, financial stress, grocery budgeting, intentional spending, stop overspending, personal finance for moms, money habits, scarcity vs abundance

xoxo,
Rachel

Where to find me:
Instagram: @heyrachelcoons

Join me for my free training to cut your grocery bill by $600 every month: Register HERE

In today’s episode, I’m doing something a little different. I’m sitting down with Jenna for a real, unfiltered coaching conversation about the money struggles so many women face but don’t always talk about out loud.

We talk about how to budget without feeling restricted, what to do when unexpected expenses hit, and why money stress is often about so much more than the numbers. This conversation gets into the real emotions behind spending, debt payoff, fear, freedom, family, and learning how to trust yourself with money.

If you’ve ever felt like you know what to do with your money but still struggle to actually feel calm and confident doing it, this episode is for you.

Jenna's podcast: How One Mom Paid off $42,000 of Debt in Just 12 Months!

xoxo,
Rachel

Where to find me:
Instagram: @heyrachelcoons

Join me for my free training to cut your grocery bill by $600 every month: Register HERE

🎉 Episode 100 of The Money Mom Podcast! 🎉
Today’s episode is extra special because we’re celebrating our 100th episode with a real-life Money Mom Club member story—one that so many moms are going to see themselves in.

I’m joined by Stephanie Griffin, a mom of two (including a teen boy + a college kid!) who moved from the East Coast to California and found herself overwhelmed by the cost of living, inflation, and the never-ending “feed everyone all day” cycle—especially after COVID hit.

In this conversation, Stephanie shares:

• How she went from burned out + stressed about food/groceries to feeling organized and confident again
• The mindset shift from “I never have enough” (even when the pantry is full) to a calmer, more abundant relationship with money
• Why grocery delivery (yes, even if it costs money!) became a time-freedom game changer
• How Shop the Shelf challenges helped her actually use what she already had and waste less (“cash in the trash” 😅)
• The ripple effect this had on her family—more teamwork, less stress, and better money conversations
• And how her language with her kids changed from “we can’t afford that” to “we’re choosing to spend differently right now” (😭 so good)

If you’ve been wondering if change is possible for you—especially if you’re already “good with budgeting” but still feel that underlying money stress—this episode is your reminder: you don’t have to overhaul everything overnight. You just need a starting point… and a simple system that actually works in real mom life.

💛 Want to ask a question or connect? DM me on Instagram or email me—I’m cheering you on.

xoxo,
Rachel

Where to find me:
Instagram: @heyrachelcoons

Join me for my free training to cut your grocery bill by $600 every month: Register HERE

Money isn’t ruining your marriage...but the way you’re approaching it might be.

If conversations about finances with your spouse feel tense, frustrating, or like you’re speaking two different languages, you are not alone. Nearly 50% of divorces involve money issues, but it’s rarely about the numbers.

In this episode, I share how Brad and I shifted from subtle tension and scarcity thinking to feeling truly aligned and at peace around money. And it didn’t happen because we made more income... it happened because we changed our mindset.

You’ll learn:
 • Why you and your spouse see money differently
 • How to get curious instead of defensive
 • 3 practical steps to get on the same page
 • How to build a money plan together, without power struggles

If you’re ready to stop letting money create distance in your marriage and start feeling like a team again, this episode is for you.

xoxo,
Rachel

Where to find me:
Instagram: @heyrachelcoons

Join me for my free training to cut your grocery bill by $600 every month: Register HERE

Money isn’t ruining your marriage...but the way you’re approaching it might be.

If conversations about finances with your spouse feel tense, frustrating, or like you’re speaking two different languages, you are not alone. Nearly 50% of divorces involve money issues, but it’s rarely about the numbers.

In this episode, I share how Brad and I shifted from subtle tension and scarcity thinking to feeling truly aligned and at peace around money. And it didn’t happen because we made more income... it happened because we changed our mindset.

You’ll learn:
 • Why you and your spouse see money differently
 • How to get curious instead of defensive
 • 3 practical steps to get on the same page
 • How to build a money plan together, without power struggles

If you’re ready to stop letting money create distance in your marriage and start feeling like a team again, this episode is for you.

xoxo,
Rachel

Where to find me:
Instagram: @heyrachelcoons

Join me for my free training to cut your grocery bill by $600 every month: Register HERE

I’m about to say something that might sound crazy…

I only spend $300–$350 every two weeks on groceries for my family of six.
That’s about $700 a month — in Northern California.

And no — we are not living on rice and beans.
 No — I’m not clipping coupons for 10 hours a week.
 No — I’m not driving to five different stores chasing sales.

In fact, we’re eating better than we were when we were spending $400+ a week.

If you’re a busy mom who:

• Feels completely out of control with grocery spending
• Ends up back at the store three times a week
• Swipes your card and feels your stomach drop at checkout
• Wonders how you make decent money but still have nothing left

This episode is for you.

Because here’s the truth:
 If you can get your grocery budget under control, everything else with your money gets easier.

We’re talking about freeing up $600–$800 per month that could go toward:

• Paying off debt
• Building an emergency fund
• Taking your family on vacation
• Finally stopping the paycheck-to-paycheck cycle

In this episode, I walk you through:

• Why most grocery savings strategies fail
• The biggest mistake families make at the store
• How food waste is secretly draining 30% of your budget
• The simple system I use (The Shop Method) to cut grocery spending in half
• Why two-week shopping saves both time and money
• How to stop those midweek “oh crap” grocery runs

You don’t need extreme couponing.
 You don’t need deprivation.
 You don’t need more overwhelm.

You need a simple, repeatable system.

And I’m breaking it down for you today.

If you’re ready to finally feel in control of your grocery spending — and use that money to change your financial future — hit play. 🎧

Join my free class to learn EXACTLY how I use the SHOP Method to save over $600 a month on groceries: CLICK HERE

xoxo,
Rachel

Where to find me:
Instagram: @heyrachelcoons

Join me for my free training to cut your grocery bill by $600 every month: Register HERE

If you’ve ever Googled “How much should I spend on groceries?” and felt more confused than before… this episode is for you.

There are a million answers out there, $100 per person, $200 per person, “it depends where you live”... but what you really want to know is:

👉 Am I spending too much?
👉 And if I am… how do I fix it without feeding my family rice and beans every night?

In today’s episode, I’m breaking down:

• The average grocery spending in the U.S. (and Canada)
• The real number you should aim for per person
• The 3 biggest reasons families overspend
• How to figure out if you’re overspending
• Simple shifts that can cut hundreds (even $800+) per month

Most families don’t realize how much money is quietly leaking out of their grocery budget. And the truth? Groceries are often the fastest and easiest place to free up cash, especially if you're trying to pay off debt or create margin in your budget.

I’ll walk you through how to:
 ✔ Track your real spending
 ✔ Set a realistic per-person goal
 ✔ Meal plan without overwhelm
✔ Stop wasting 30% of your food
✔ Reduce impulse grocery trips

And if you want the full step-by-step system, you can join my free class where I teach my signature SHOP Method from start to finish.

CLICK HERE TO JOIN

Because saving money on groceries doesn’t have to mean deprivation. It just means intention.

Let’s get into it.

xoxo,
Rachel

Where to find me:
Instagram: @heyrachelcoons

Join me for my free training to cut your grocery bill by $600 every month: Register HERE

There’s one money habit that completely changed everything for my family... and it’s probably not what you think.

It wasn’t budgeting.
 It wasn’t meal planning.
 It wasn’t cutting out coffee or canceling subscriptions.

Those things can help… but they weren’t the thing that actually moved the needle.

In this episode of the Money Mom Podcast, I’m sharing the one simple question my husband and I started asking before every single purchase, and how that tiny pause transformed the way we spend, save, and make decisions as a family.

You’ll learn:

• The exact question that stopped our autopilot spending
• Why most money problems aren’t about income—but misalignment
• How this habit saves hundreds of dollars without feeling restrictive
• Why clarity around your goals changes everything
• How to spend money without guilt when it actually aligns with what matters to you

If you’ve ever wondered why you know your goals but still feel stuck… or why progress feels so hard even when you’re “doing all the right things,” this episode will connect the dots.

This is a small shift—but it has massive long-term impact.

Press play and let’s change the way you think about spending. 💛

xoxo,
Rachel

Where to find me:
Instagram: @heyrachelcoons

Join me for my free training to cut your grocery bill by $600 every month: Register HERE

Have you ever made real progress with your money... only to turn around and undo it? You finally get groceries under control… then spend $300 at Target. You pay off a credit card… and rack it right back up. You save money… and suddenly it’s gone.

It feels like bad luck or bad timing, but it’s not. It’s self-sabotage.

In this episode of the Money Mom Podcast, Rachel breaks down what’s actually happening in your brain when you sabotage your financial progress, why it keeps happening (even when you’re doing “everything right”), and how your subconscious beliefs around money are quietly running the show.

You’ll learn:

• What financial self-sabotage really is (and what it isn’t)
• Why progress with money can feel unsafe to your brain
• How childhood experiences and learned beliefs impact your spending today
• Real-life examples of self-sabotage with groceries, savings, debt, and income
• The 5 steps to start rewriting your subconscious money patterns
• How to stop the cycle without shame, guilt, or perfectionism

If you’ve ever thought “Why do I keep doing this?” or “What’s wrong with me?” — this episode will change the way you see yourself and your money.

You’re not bad with money. You’re not broken. You just have old programming—and now you can change it.

🎧 Tune in and let’s break the cycle together.

xoxo,
Rachel

Where to find me:
Instagram: @heyrachelcoons

Join me for my free training to cut your grocery bill by $600 every month: Register HERE

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 free training to cut your grocery bill by $600 every month: Register HERE