Women's Money Wisdom

Even as a CNN business correspondent, Alison Kosik struggled with financial imposter syndrome—a reality many successful women face. In this episode, Melissa Joy and Kosik dive into how women can build financial confidence and take control of their money, drawing from Kosik’s new book, What’s Up With Women and Money: How to Do All the Financial Stuff You’ve Been Avoiding.

With Women’s Equal Pay Day upon us, this conversation is more timely than ever. Women still earn just 84 cents for every dollar men make, and while 70% of women now negotiate their salaries, the remaining 30% contribute to the persistent pay gap. It’s time for real talk about money, confidence, and financial independence—and this episode delivers exactly that.

Takeaways:
 💡 Why women hesitate to take financial control—and how to change that
💰 12 simple steps to start investing today (without the intimidation)
🚗 Car-buying traps to avoid & negotiation hacks
📊 The gender pay gap & why every woman MUST negotiate her salary
📈 How women outperform men as investors (and why we should embrace that confidence!)

💥 This Equal Pay Day, let’s change the conversation. Women deserve more money, more confidence, and more financial power. This episode will help you take the next step toward that.

📢 What’s one financial move you’re committing to today? Drop it in the comments and let’s empower each other!

📖 Follow Alison Kosik on Instagram @AlisonKosik & grab her book at major retailers today!

#WomensMoneyWisdom #EqualPayDay #CloseTheGap #KnowYourWorth #NegotiateYourWorth #WomenAndMoney #MelissaJoy #AllisonKosick

The previous presentation by PEARL PLANNING was intended for general information purposes only.  No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING’s investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING’s current written disclosure Brochure discussing our advisory services and fees is available upon request or at https...

Money is everywhere in our lives, yet talking about it remains one of the biggest taboos. In this episode, we bring together—Kathleen Burns Kingsbury, financial psychologist and author, and Melissa Joy, CFP®, founder of Pearl Planning—to explore why breaking money silence is crucial for financial confidence, wealth-building, and stronger relationships.

Key Takeaways:

💡 The Origins of Money Silence – Kathleen explains how our reluctance to discuss money started centuries ago as a form of protection but now acts as a barrier to financial literacy, confidence, and fair compensation.

🧠 Understanding Your Money Story – Before having important financial conversations with partners, children, or aging parents, self-reflection is key. Both emphasize that knowing your own money story creates a foundation for more authentic and productive discussions.

📊 Money Archetypes & Awareness – There’s no "perfect" money personality. Kathleen introduces different money archetypes and how understanding them can help you make better financial decisions.

👩‍💼 Women, Wealth & Workplace Confidence – Melissa shares why women often undervalue their skills in the workplace and how identifying your financial superpower—the unique value you bring—can help you negotiate with confidence and build wealth.

💰 Breaking the Silence for Financial Growth – Open conversations about wealth, investing, and financial planning are essential. Silence keeps women from maximizing their earning potential, making strategic investments, and stepping into financial leadership roles.

❤️ Money & Relationships – Talking about money isn’t just about numbers—it’s about values, security, and trust. Kathleen and Melissa explain how breaking money silence can strengthen personal and professional relationships.

🎯 Your Action Step: Commit to having one money conversation you wouldn’t have had before. Whether it’s with a partner, boss, or financial advisor, that single step can transform your financial confidence and help break generational money taboos.

Resources Mentioned:

📄 Free Financial Planning Resources – Get insights from Melissa at Pearl Planning

📘 Breaking Money Silence – Learn more from Kathleen at kbkwealthconnection.com

🚀 Connect with Kathleen & Melissa – Follow them for more financial wisdom and strategies tailored for women.

The previous presentation by PEARL PLANNING was intended for general information purposes only.  No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING’s investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING’s current written disclosure Brochure discussing our advisory services and fees is available upon request or at https...

How can mothers find the support they truly need in a world that often leaves them feeling isolated?

In this inspiring episode, Melissa Joy sits down with Ariel Wan, founder of The Mamas Network, a nonprofit dedicated to creating a safe and empowering space for parents. Ariel shares her journey of building third spaces—welcoming environments where moms can connect, share experiences, and navigate the unique challenges of motherhood without fear or judgment.

We explore the economic realities of childcare, the balancing act of work and parenting, and why investing in community support is critical for modern moms. Ariel’s vision includes coworking spaces with onsite childcare, offering flexible solutions for parents striving to maintain both personal and professional fulfillment.

Key Takeaways:
✨ The power of community in reducing isolation for parents
✨ Why third spaces matter & how they help moms thrive
✨ Economic realities of childcare and the need for flexibility
✨ How The Mamas Network is bridging the gap for working moms
✨ The importance of investing in well-being & support networks

Join us for a meaningful conversation about motherhood, financial wellness, and the importance of strong communities. Don’t miss this episode! Subscribe now and let’s continue creating spaces where parents feel seen, heard, and supported.

The previous presentation by PEARL PLANNING was intended for general information purposes only.  No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING’s investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING’s current written disclosure Brochure discussing our advisory services and fees is available upon request or at https...

Ever wondered how to balance your career ambitions while thriving as a dedicated mom?

In this empowering episode, we’re diving deep into the balancing act of career ambitions and motherhood with an honest, heartfelt conversation about redefining success on your own terms. Melissa Joy, CFP® is joined by the inspiring Hannah Moore, CFP®—a dynamic leader, entrepreneur, and dedicated mom—who shares her journey of embracing multiple roles while staying true to herself.

Whether you’re navigating the complexities of the corporate world, building your own business, or managing family life, this episode offers practical strategies and transformative insights to help you thrive in every aspect of your life.

What You’ll Learn in This Episode:

✨ Embracing Multifaceted Identities: Discover how integrating your roles as a professional, entrepreneur, and mom can empower you both at home and in the workplace.
✨ Navigating Real-Life Challenges: Hear authentic stories of the struggles and successes that come with balancing career and family.
✨ Prioritizing Self-Care: Gain actionable tips for carving out time for yourself amid the daily chaos.
✨ The Power of Support: Learn why asking for help, setting boundaries, and delegating responsibilities are essential to sustainable success.
✨ Redefining Success: Explore how to challenge societal expectations and create a definition of success that truly resonates with your core values.

Tune in for an episode filled with inspiration, actionable advice, and a celebration of the incredible journey of modern womanhood. Join us now and step into a life that celebrates every facet of who you are!

The previous presentation by PEARL PLANNING was intended for general information purposes only.  No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING’s investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING’s current written disclosure Brochure discussing our advisory services and fees is available upon request or at https...

In this special milestone episode, we’re celebrating five years of the podcast and my 50th birthday with an empowering conversation about the transformative power of style! 

Joining her is Morgan Wider, founder of Wider Style and author of The Worthy Wardrobe, to explore how authentic self-expression through style can elevate confidence, impact success, and create alignment between personal and professional identity.

What does your wardrobe say about you? Whether you're navigating rigid dress codes, stepping into leadership roles, or simply seeking a wardrobe that makes you feel powerful and worthy, this episode offers deep insights into the interplay between fashion, self-worth, and success.

What You’ll Learn in This Episode:

✨ The Power of Authenticity in Style: Why dressing as your true self boosts confidence and how to balance self-expression with professional expectations.
✨ Vulnerability & Fashion: How your wardrobe reflects more than just appearance—it’s an emotional and psychological tool for self-acceptance.
✨ Strategic Wardrobe Investments: Where to spend vs. save when building a professional wardrobe, especially for women in male-dominated industries.
✨ Wardrobe as a Career Tool: How personal style impacts the way you're perceived and can open doors to unexpected opportunities.
✨ Smart Fashion Purchases: How to elevate your style on a budget with practical tips on investing in key pieces like blazers, shoes, and accessories.

Resources:

Morgan's online course! Listeners can get 25% off with the code PODCAST

IG: @morganwiderstyle

Connect on LinkedIn with Morgan

The previous presentation by PEARL PLANNING was intended for general information purposes only.  No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING’s investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING’s current written disclosure Brochure discussing our advisory services and fees is available upon request or at https...

Is Your Family Operating Like a Well-Run Business?

In this episode, Melissa Joy, CFP®, explore how families can apply business strategies to create structure and intentionality at home. Our guest, Kelly O'Donnell, an expert in the Entrepreneurial Operating System (EOS), introduces the Vision Traction Organizer (VTO)—a tool that helps families define core values, set a long-term vision, and break goals into actionable steps.

Kelly shares how identifying what truly matters can guide financial decisions, time management, and overall family priorities. She also discusses the benefits of quarterly family meetings and "same page meetings" for spouses to ensure alignment and clarity. By integrating structured planning and financial strategies, families can create a stronger sense of purpose while maintaining flexibility for life’s unexpected changes.

Whether you want to strengthen family bonds, improve communication, or set clear financial and personal goals, this episode offers practical insights to help you build a more organized and intentional family life.

Resources & Links:
📌 Connect with Kelly O'Donnell
📌 Learn more about EOS & the Vision Traction Organizer
📌 Download the VTO template:https://pearlplan.com/wp-content/uploads/2025/02/Family-VTO-Template.pdf

The previous presentation by PEARL PLANNING was intended for general information purposes only.  No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING’s investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING’s current written disclosure Brochure discussing our advisory services and fees is available upon request or at https...

Unlock the secrets of tariffs and their far-reaching impact on our global economy with me, Melissa Joy, CFP®, in this illuminating episode of the Women's Money Wisdom Podcast. Ever wondered how tariffs shape international trade and affect your wallet? Get ready to explore the journey of tariffs from their historical role in federal revenue generation to their modern-day implications under recent U.S. administrations.

In this episode, we dive into:
✅ The history of tariffs and how they were once a major revenue source for governments
✅ Why many economists see tariffs as a negative tax on economic growth
✅ How tariffs increase costs for importers and spark retaliatory trade wars
✅ The role of trade agreements like NAFTA and organizations like the WTO in promoting freer trade
✅ The broader impact of tariffs on everyday consumers and investment portfolios

But that’s not all! While tariffs take center stage, we also shift the conversation to women’s financial education—an essential tool for navigating today’s economic landscape. Financial literacy is the key to making informed money decisions, and we’re here to provide the resources and knowledge to help you thrive.

The previous presentation by PEARL PLANNING was intended for general information purposes only.  No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING’s investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING’s current written disclosure Brochure discussing our advisory services and fees is available upon request or at https...

How does addiction impact financial planning, and why is it so often left out of the conversation? In this thought-provoking episode, Melissa Joy, CFP®, dives deep into this sensitive yet critical topic alongside Karen Coyne, CFP® of Clarity Planning. Karen shares her personal journey and highlights the significant gap in financial planning education when it comes to addiction and its far-reaching effects on individuals and families.

Melissa and Karen explore practical tools for addressing these challenging conversations and discuss how financial advisors can better support clients navigating the complexities of addiction. They also delve into the psychological allure of risky financial behaviors like cryptocurrency and meme stocks and the impulsive decisions these trends can inspire.

Plus, Karen shares a personal story about teaching her son the importance of financial education, emphasizing the value of open, honest communication in safeguarding your financial future.

What You’ll Learn:

• The often-overlooked link between addiction and financial planning
• Practical ways financial advisors can approach sensitive client challenges with empathy
• The psychological appeal of high-risk financial behaviors like crypto and meme stocks
• Strategies for fostering transparency and self-awareness in financial discussions

Resources & Mentions:

• Clarity Planning with Karen Coyne
• Related Episode: Tackling Mental Health in Financial Planning

The previous presentation by PEARL PLANNING was intended for general information purposes only.  No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING’s investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING’s current written disclosure Brochure discussing our advisory services and fees is available upon request or at https...

In this insightful episode, Melissa Joy, CFP® is joined by Ashley Waddell-Tingstad, founder of Treetown Law, to explore the vital yet often misunderstood world of estate planning. 

Together, they uncover the significance of preparing for life’s expected and unexpected moments with key documents such as powers of attorney and healthcare directives. Ashley’s expertise brings clarity to the complexities of estate planning, emphasizing the importance of building strong foundations for navigating transitions and crises smoothly. 

What You'll Learn in This Episode: 

• Why estate planning matters: How essential documents like powers of attorney and healthcare directives prepare you for life’s uncertainties. 
• Probate vs. trusts: Understanding the burdens of probate and how trusts can simplify asset management, especially for families with minor children. 
• Beneficiary designations: Strategies for minimizing the probate process by keeping beneficiary designations up to date. 
• Revocable living trusts: The privacy, flexibility, and tax advantages they offer, and why they’re not just for the wealthy. 
• State-specific planning: The importance of consulting a local attorney to ensure your estate plan complies with unique state laws. 
• Post-death planning: How trusts can protect assets from legal and financial vulnerabilities. 

Resources:

Treetown Law LinkedIn

Ashley on LinkedIn

Treetown Law on FB 

The previous presentation by PEARL PLANNING was intended for general information purposes only.  No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING’s investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING’s current written disclosure Brochure discussing our advisory services and fees is available upon request or at https...

In this enlightening episode, we sit down with Sharon McRill, founder of Betty Brigade, to explore the transformative power of professional organizing, outsourcing, and future-proofing your life. Sharon shares her journey from corporate burnout to building a business that helps clients manage home organization, relocation, and vendor coordination with ease.

We delve into the challenges faced by the "sandwich generation," juggling belongings and responsibilities for their children, spouses, and aging parents. Sharon shares a powerful story of how her team helped an overworked attorney reclaim his home and peace of mind, showing just how life-changing professional organizing can be.

Discover the art of maximizing your personal time by outsourcing tasks, rethinking the 'do-it-yourself' mindset, and focusing on what matters most. Learn how to cherish and use your treasured possessions rather than letting them gather dust and how clearing your physical space can enhance your mental well-being.

Sharon highlights her book, Downsizing the Silver Tsunami, a must-read guide for managing trusts, estates, and the emotional process of decluttering.

Listen and Learn:

• Reclaiming Your Space: How professional organizing can transform your home and well-being.
• The Sandwich Generation Struggle: Strategies to balance belongings and responsibilities across generations.
• Outsourcing for Success: Why letting go of the 'do-it-yourself' mindset can free your time and reduce stress.
• Cherishing Your Possessions: Using what you love and finding joy in your space.
• Future-Proof Your Life: The benefits of home inventories, wills, and trusts for peace of mind.
• Motivation and Momentum: How to tackle overwhelming projects and clear spaces faster.
• Expert Advice: Practical tips from Sharon's book, Downsizing the Silver Tsunami, on managing estates and trusts.

Resources Mentioned

• Downsizing the Silver Tsunami by Sharon McRill 
• Betty Brigade Services 
• IG  @bettybrigade
• https://www.bettybrigade.com/request-a-consult
• https://www.bettybrigade.com/referrals

The previous presentation by PEARL PLANNING was intended for general information purposes only.  No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING’s investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING’s current written disclosure Brochure discussing our advisory services and fees is available upon request or at https...