Feel like debt is running your life? You’re not lazy, you’re not broken, and you’re not alone -  and this episode will show you how to take back control, one step at a time.

This episode is your life raft when it feels like you're financially underwater. Mortgage arrears, car payments, credit cards, late notices - if any of those words make your chest tighten, this one’s for you.

Hi, I’m Jenny Maxwell - and today’s episode of Who Do You Think You Are Talking To is about one of the most emotionally loaded struggles we face: debt.

If you’re scared to check your bank account… if you’ve stopped opening the post… if you’re lying awake at night wondering “How did it get this bad?” - you are exactly who I recorded this for.

My guest is returning favourite and financial coach Frank Iozzo, who brings two decades of experience and lived wisdom from his own debt story. Together, we talk about what to do when you’re scared to even look at your money, how to interrupt the emotional spiral of financial stress, and the real options most people don’t know they have when it comes to mortgage, car loans, and credit cards.

This conversation isn’t just about numbers - it’s about empowerment. Because on the other side of fear is opportunity. And you can shift your financial reality - without shame, and without doing it alone.

What You’ll Learn in This Episode  -  

-  Why smart, capable people still fall into debt (and how shame keeps you stuck)

-  The exact first 3 steps to take when you’re in mortgage or loan arrears

-  How to speak to lenders (and what to say) when you're behind

-  When it’s time to sell, refinance, or reassess - and how to make that call

-  Why credit card interest is silently draining your future (and how to stop it)

-  The simple mindset shift that stops the midnight spiral of panic

-  How to build financial resilience - even if you feel like you’ve already “failed”

Connect with Frank Iozzo 

Follow Frank Iozzo on LinkedIn

Check out Frank's Website

Come say hi to me on Instagram or LinkedIn

Don’t miss future episodes — hit Follow and leave a ⭐⭐⭐⭐⭐ review!

Resources  

Start with Your Anytime Reset: Your free 10-minute daily practice to shift from reactive to reflective.

Need a quick intervention? Download my free PRESS PAUSE guide.  Create space between your trigger and your next move.

You don’t need fixing.  You just need tools - and someone in your corner reminding you that it’s never too late to start again.  This is your moment to take one step toward peace.

I’m with you.

Feeling steamrolled in conversations? Here’s how to set a boundary without starting a war.

We’ve all been there, face-to-face with someone who always needs to win, dominate, or bulldoze their way through a conversation. And if you’re the one quietly nodding along just to keep the peace? You’re not alone. But here’s the truth: your silence is teaching them how to treat you.

In this episode, I’ll show you a new way to respond, without shouting, shutting down, or becoming just like them. Whether it’s a partner, a parent, or a colleague who constantly pulls you into power struggles, there is a gentler, stronger way through. One that protects your peace and your dignity.

If you’ve been feeling drained, unheard, or like your needs never get airtime, this conversation is your invitation to change that.

In This Episode, I Share: -  

-  The invisible cost of always “keeping the peace”

-  What to say instead of staying silent (without escalating the conflict)

-  A simple phrase that lets you exit the drama without guilt

-  How to hold your ground without losing your calm

-  The mindset shift that frees you from needing to “win” the conversation

-  Why your peace is more valuable than their approval

Resources & Links:

Grab Your Anytime Reset  Before jumping into 1:1 coaching, this is the perfect place to begin. One simple daily practice to help you reflect on your emotional patterns and choose calm over chaos. These 10-minute prompts land in your inbox and shift everything. Don’t wait for the next outburst, start your reset today.

Join the Newsletter  Weekly mindset shifts, boundary tools, and behind-the-scenes stories to keep you grounded and growing.

Listen to Episode 39: When You're the One Who Needs to Be Right → [Episode 39] This is the perfect companion episode for today's topic. Listen to both for the full reset.

Listen & Subscribe:

Don’t miss the next breakthrough, follow Who Do You Think You Are Talking To on Apple Podcasts, Spotify, or wherever you love to listen.

Love What You Heard?

Leave a review and share this episode with a friend who always ends up being the peacekeeper. You never know whose burnout you're helping them avoid.

One Last Thing:

This is your reminder that you don’t need fixing, you need tools. And I’m here to walk that with you, one reset at a time. Your peace is worth protecting. Always.

Tired of feeling resentful, overstretched, or reactive? This one boundary changes everything, and the best part? It starts with you.

How often do you catch yourself saying yes when you’re screaming no on the inside?

In this episode, I’m sharing the one boundary that doesn’t just reduce stress, it creates lasting, ripple-effect change in your work, relationships, and self-talk. And here’s the twist: it’s not about holding other people accountable. It’s about learning to hold yourself in a different way.

If you’ve ever felt exhausted from over-giving, frustrated when people don’t take your advice, or silently resentful as you go along with something you didn’t want to do, this is your episode. I’m taking you through real client stories, powerful mindset shifts, and a practical 3-step tool to reset your habits and your energy.

You don’t need to overhaul your life. You just need to pause, get honest, and start saying no to what’s not working, especially when it’s your own patterns that are running the show.

Because boundaries aren’t barriers - they’re invitations. And this one boundary? It will set you free.

What You’ll Learn in This Episode:

- Why the most life-changing boundary is the one you set with yourself

- How to catch yourself before you spiral into people-pleasing, fixing, or overreacting

- The subtle ways your actions override your spoken boundaries (and how to stop)

- Three relatable boundary mistakes I see all the time, and what to do instead

- A powerful mindset shift that helps you respond with clarity instead of autopilot

- How to create an "anchor" in your environment that pulls you back into alignment

Resources & Links:

Start with Your Anytime Reset: Your free 10-minute daily practice to shift from reactive to reflective.

Need a quick intervention? Download my free PRESS PAUSE guide.  Create space between your trigger and your next move.

Love What You Heard?  If this resonated, send it to a friend who needs to hear it.

And if you're doing the work and seeing the shift? I’d love to hear about it.

This is your reminder that you don’t need fixing, you just need tools.

And I’m here with you, every step of the way.

Are student loans worth the cost? In this episode, I sit down with financial planner Frank Iozzo to talk about the real impact of college debt, tuition costs, and student loans on families. We cover the emotional pressure parents feel, why saying “no” to overextending can protect your future, and the alternatives like scholarships, trade school, and community college that open up freedom instead of years of debt.

Frank shares how, at just 17, he chose not to follow the herd into traditional student loans, a decision that shaped his entire life and career. Together we explore how the student loan system (federal vs private) really works, why parents often sacrifice retirement savings for tuition, and how that choice can ripple out for decades.

This conversation isn’t just about money, it’s about values, freedom, and creating the life you want without being anchored by debt.

-  The emotional triggers that push parents into debt for their kids’ education

-  Why saying no to overspending is really a yes to stability and freedom

-  How the student loan system is set up and why it’s stacked against families

-  The long-term impact of student loans on life choices like family, marriage, and home ownership

-  Alternatives to college debt - scholarships, trade schools, apprenticeships, community college

-  How to align money decisions with your values and future goals

Connect with Frank Iozzo 

Follow Frank Iozzo on LinkedIn

Check out Frank's Website

Come say hi to me on Instagram or LinkedIn

Don’t miss future episodes — hit Follow and leave a ⭐⭐⭐⭐⭐ review!

Tired of constant arguments, emotional drama, or feeling misunderstood at work or at home? This episode breaks down how your need to be right could be silently wrecking your relationships - and what to do instead.

If you're ready to stop reacting, start connecting, and finally protect your peace, this is the episode you don't want to miss.

We all know the feeling, that pull to double down, prove a point, win the argument. Whether it's with your partner, your boss, your kids, or that heated comment thread online, the need to be right can take over. But here's the truth: trying to “win” often leads to defensiveness, broken trust, and connection loss, exactly the opposite of what we actually want.

In this episode, I’m sharing a powerful mindset shift (and a simple language swap) that can help you interrupt old patterns, communicate more clearly, and stay grounded, even in the heat of the moment.

What we’re diving into:

-  How the need to be right fuels drama, drains energy, and breaks trust

-  Why “why” questions often lead to defensiveness (and what to ask instead)

-  A real-life shift that helped one of my clients skyrocket their sales

-  How parenting from control raises compliance - not confidence

-  The subtle ways emotional manipulation shows up in conversations

-  A simple, real-time reset to shift from chaos to calm

-  Why awareness is the first step to emotional transformation

Whether you're navigating tricky conversations at home, at work, or online, this episode will help you pause, get curious, and respond in a way that builds trust instead of tension.

You’ll walk away with practical tools to help you communicate more effectively, and protect your peace while you’re at it.

 Tune in and ask yourself: Is this about connection… or is this about control?

Resources & Links Mentioned:

Your Anytime Reset Tool – Your real-time guide to choosing calm over chaos

Make sure you're on my newsletter for more tools and insights

I share how my comfort zone turned into stagnancy, the boundary that set me free, and the small steps that brought curiosity and growth back

________

My mornings all looked the same. The book. The coffee. The cosy spot on the porch I love. It was peaceful. Restorative. Safe.

But somewhere between “just one more chapter” and deciding not to make that trip into the city… my life was starting to feel smaller.

In this episode of Who Do You Think You Are Talking To, I share how I realised my comfort zone had quietly turned into stagnancy, and the moment I saw that what I thought was self-care was actually self-sabotage.

From skipping plans with a new friend to telling myself the weather was a reason to stay home, I unpack the real emotions behind my choices and the fear I didn’t want to admit. I’ll walk you through my Trigger, Pause, Respond method, the one boundary that changed everything, and why small, consistent steps are the key to lasting change.

If you’ve ever looked up and thought, “When did I stop saying yes to life?”, this episode will help you find your way back to curiosity, connection, and growth.

What You’ll Hear in This Episode - How comfort can quietly become avoidance

- The sneaky ways self-sabotage can disguise itself as self-care

- Why your brain loves the familiar (even when it’s not making you happy)

- The one boundary with yourself that creates the most freedom

- How to use small, repeatable actions to build real momentum

Resources  Free Press Pause Guide – My simple framework for stopping autopilot reactions and making intentional choices. 

Share this episode with a friend who’s been playing it safe for too long, they might need this nudge.

Does your life look perfect on paper but feel totally wrong in your gut? This episode is your sign to stop ignoring that inner voice.

If you’re stuck in a “successful” life that leaves you exhausted, resentful, or hollow, especially on Sunday nights, this conversation is going to speak directly to you.

In this honest & real episode, I’m joined by Josephine Wanner, a former corporate executive who had it all on paper, and felt miserable underneath. From corporate burnout to a cancer diagnosis that forced her to slow down and reevaluate everything, Josephine shares how she broke free from her golden cage and rebuilt a life that actually feels like her own.

We dig into the real questions people are afraid to ask:

- How do you know when your job is draining your soul, even if it pays well?

- What’s the cost of staying silent to “keep the peace”?

- How Sunday night dread is trying to get your attention

- What to do when resentment builds in your relationships and work

- How to break out of people-pleasing and put yourself first (without guilt)

- What it really takes to walk away from a career that doesn’t fit anymore

- Why waiting for “someday” to start your life is a trap, and what to do instead

- How to reconnect with your joy using the “fun-tastic list” method

If you're feeling stuck, burnt out, or secretly dreaming of something more, this episode is packed with stories and insights that will help you take the next brave step.

You’re not alone, and you don’t have to stay in the version of success that’s slowly stealing your spark.

Resources mentioned:

The Artist’s Way by Julia Cameron

Related episodes: Episode 22 & 23 on silence, resentment & self-abandonment

Connect with Josephine Wanner - LinkedIn / Josephine's Website

Check out Josephine's FREE Resources

Don't forget to complete your FUNLIST 

I used to live in constant reaction mode, rage, tears, silence and it was exhausting. But learning to pause, reflect, and respond instead of react changed everything. My parenting, my relationships, my peace of mind. In this episode, I’m sharing the raw truth of how I did it, so you can too.

If you're stuck in old emotional habits, feeling triggered all the time, or just sick of bottling things up until you explode, I want you to hear this one. This is a deeply personal episode where I walk you through exactly how habit change coaching helped me reclaim my calm, my confidence, and my connection, with others and, more importantly, with myself.

Here’s what I share with you in this episode:

• Why emotional reactions kept me trapped, and how I finally broke free

• How noticing my triggers helped me step away from toxic dynamics

• The truth about habit change (spoiler: it’s not 21 days, and that’s a good thing)

• The shift from judgment to curiosity that transformed my communication

• How I stopped trying to “fix” everything and started really listening

• What the “messy middle” of growth taught me, and why it’s so powerful

• The one question I now ask before I speak or act in heated moments

• Why the hardest patterns to break are often the ones we pass down

This episode is for anyone who’s tired of feeling stuck, who’s been waiting for things to get easier, and who’s finally ready to get off the fence and take action. You don’t need to be perfect, you just need to start. And I’ll walk right alongside you.

Resources mentioned in this episode:

Grab your FREE Press Pause Guide 

Your Anytime Reset

Let this be your reminder: You’re not behind. You’re just getting started. And everything you need to create real change is already inside you.

Summer chaos derailing your peace? Discover 5 simple ways to reclaim calm, even if your routine’s gone out the window.

If the long sunny days are leaving you more frazzled than free, you're not alone. In this episode of Who Do You Think You Are Talking To, we’re tackling the very real emotional cost of summer disruption, and how to press pause and reset when everything feels like it’s swirling.

Summer is marketed as a time to unwind, but for many, it’s a perfect storm of thrown-off schedules, endless social obligations, and creeping burnout. If you're saying yes to everything (and everyone) but feeling more drained by the day, this one’s for you.

In this episode, you’ll learn:

- Why summer often triggers stress, overwhelm, and emotional reactivity

- How disrupted routines sabotage your calm, and how to take back control

- Real coaching stories from clients navigating summer stress (meet Frank and Kathy!)

- The #1 question to stop the cycle of people-pleasing and overspending

- Five grounded, actionable strategies to stay calm and connected (without a 50-step plan)

- Why boundaries aren’t selfish, they’re the key to protecting your peace

- A powerful self-reflective question to guide your next step

Whether your kids are home 24/7, your sleep is all over the place, or you just can’t seem to catch your breath, this episode offers doable steps to help you say yes to yourself and create a summer that supports your mental and emotional wellbeing.

Tune in now to trade chaos for calm, reclaim your routines, and show up as the version of you that feels grounded, present, and in charge.

Resources mentioned:

Want 5 more tips to stay calm this summer, join my newsletter where I share these and so many more tips everyweek - CLICK HERE

Grab your FREE Press Pause Guide 

Discover how Chris Hennessey transformed grief, addiction, and incarceration into a mission-driven nonprofit. If you’ve ever struggled with addiction, loss, or feeling stuck, and wondered if a meaningful life on the other side is possible, this episode is your lifeline.

Struggling with loss, addiction, or feeling powerless? This episode unpacks Chris's journey from spiraling into meth addiction and prison, through rediscovering purpose in faith and deepening self-awareness, to launching The Raven Is Here, a nonprofit meeting people right where they are and changing futures.

In this episode, you’ll hear how Chris:

• Grew up as the strictest-raised sibling among seven, leaving home at 19 and encountering newfound freedom that spiraled into substance abuse.
• Fell into a destructive cycle of meth and cocaine use that led to legal trouble, probation, and eight years in prison.
• Found a crucial shift during incarceration, experiencing the love of God personally through worship, and rebuilt his identity beyond addiction.
• Witnessed the devastating impact of fentanyl firsthand when he lost his brother in March 2024, and how that loss ignited his purpose.
• Co-founded The Raven Is HERE, a grassroots nonprofit inspired in part by We Fight Monsters in Memphis, focused on meeting people’s needs in the streets, in the moment, with compassion and practical help.
• Built programs and housing using a relationship-first, bottom-up model, supporting people exactly where they are rather than imposing systems on them.
• Adopted a simple yet profound action step: do something, take your time and energy out of your bubble and give it to a cause that matters to you, no matter how small.

Why listen to this episode? If you’ve ever felt stuck in guilt, regret, or loneliness, Chris’s story shows it’s possible to rebuild from the ashes, and live a deeply purposeful life. He’s brutally honest about his mistakes, but even more so about the healing, growth, and service that came after. This is faith, transformation, and mission lived out loud.

Resources  Connect with Chris:  Facebook, TikTok

The Raven Is HERE: Facebook, LinkedIn,

The Raven is HERE website

Thanks for tuning in, and remember: you don’t have to walk through this alone. Let Chris’s journey remind you that a messy past doesn’t define your future. And if you feel moved, just do something, volunteer, reach out, take one small action that breaks you out of your comfort zone to help someone else.