What happens when a financial coach faces real-life money struggles? In this powerful and transparent episode, Coach Nino Villa shares his personal financial journey, including navigating credit card debt, fluctuating income seasons, and difficult financial decisions. Nino opens up about the emotional weight of money, the lessons learned through financial setbacks, and how his perspective on debt, accountability, and stewardship has evolved over time.

This episode explores the importance of financial transparency, trusting God during challenging seasons, and staying grounded in basic financial principles even when circumstances feel overwhelming. Nino also discusses the role of giving, tithing, and faith in his financial decisions, offering encouragement to anyone walking through financial uncertainty.

Whether you’re working through debt, facing income instability, or seeking peace in your financial life, this episode provides honest insight, practical wisdom, and hope for moving forward with clarity and confidence.

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Helpful Resources Mentioned in This Episode

Watch on YouTube: Full video version of this episode

Payday Power Planner (FREE): Streamline your budgeting process
https://www.newmoneyhabits.com/budgeteers/helpful-tools 

Food Number Calculator (FREE): Simplify food budgeting and planning
https://www.newmoneyhabits.com/budgeteers/helpful-tools 

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Online Course: How to Create a Better Budget: Your Foundation to Financial Freedom
https://www.newmoneyhabits.com/bootcamp 

Music Credits
This episode features music by Summer School.

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