Episodios

  • RIP to the Penny: The Real Reason It’s Gone and the Future of Money

    RIP to the Penny: The Real Reason It’s Gone and the Future of Money
    Nov 18 2025
    The penny has officially been laid to rest — and while most of us won’t shed a tear, its retirement marks a surprisingly big moment in how America handles money. In this quick update, I’m walking you through what happened to the penny, why the U.S. finally pulled the plug, and what this tiny change means for your wallet and the future of cash. You’ll hear: Why the U.S. Mint stopped making pennies and how much money it saves How other countries (like Canada) ditched their low-value coins decades ago What rounding rules mean for your everyday purchases Why this signals a major shift toward a digital-first financial system What to do if you still have jars of pennies hiding in your house A little funeral, a little financial education, and a lot of clarity about where money is heading next. Talkin’ Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here. Be sure to like and follow the show on your favorite podcast app! Keep the conversation going on Instagram @everyonestalkinmoney Learn more about your ad choices. Visit megaphone.fm/adchoices
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    13 m
  • Benefits, Bonuses & Open Enrollment: Don’t Leave Free Money on the Table - Smart Money Moves Before Year-End, Part 3

    Benefits, Bonuses & Open Enrollment: Don’t Leave Free Money on the Table - Smart Money Moves Before Year-End, Part 3
    Nov 13 2025
    If open enrollment season makes your eyes glaze over faster than a holiday spreadsheet, this one’s for you. In Part 3 of the Smart Money Moves Before Year-End series, Shari dives into all the hidden ways you can squeeze more value out of your paycheck before December 31. From health plans to hidden perks, this is your reminder that benefits are part of your compensation — and it’s time they pulled their weight. You’ll walk away with: A step-by-step guide to reviewing your health, dental, and vision plans The real difference between FSAs and HSAs (and how to use them wisely) A strategy for planning your bonus before it hits your account A quick insurance checkup to make sure you’re covered, not overpaying The overlooked perks most people forget they already have access to Because if you’re going to work this hard for your benefits, they should be working just as hard for you. Talkin’ Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here. Be sure to like and follow the show on your favorite podcast app! Keep the conversation going on Instagram @everyonestalkinmoney Learn more about your ad choices. Visit megaphone.fm/adchoices
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    35 m
  • How to Know It’s Time to Leave Your Business (and What “Enough” Really Costs)

    How to Know It’s Time to Leave Your Business (and What “Enough” Really Costs)
    Nov 11 2025
    What happens after the awareness? After you stop spending on autopilot… how do you start building on purpose? In part two, Shari connects money mindfulness to business-building — and why your exit number should be based on the life you actually want, not what Instagram says counts as “success.” Guest Kathryn Finney returns to share how she grew her blog into a real media company, figured out her number, and made the hard call to sell it — even though she could’ve made more by staying. She also breaks down the difference between a startup and a small business (spoiler: you don’t have to build to sell) and why clarity is more profitable than hype. This is your episode if you’re sitting on a side hustle, business, or creative project and wondering: “Do I grow this… or let it go?” Talkin’ Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here. Be sure to like and follow the show on your favorite podcast app! Keep the conversation going on Instagram @everyonestalkinmoney Learn more about your ad choices. Visit megaphone.fm/adchoices
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    28 m
  • Why We Spend When We’re Sad: Turning Emotional Purchases Into Purpose

    Why We Spend When We’re Sad: Turning Emotional Purchases Into Purpose
    Nov 11 2025
    We don’t always spend because we’re “bad with money.” We spend because we’re human — grieving, stressed, lonely, or trying to feel in control. In this episode, Shari breaks down emotional spending as a signal, not a flaw, and shows you how to start asking the one question that changes everything: “What am I actually trying to feel right now?” Then you’ll hear from Kathryn Finney, who was shopping to cope after losing a parent… and ended up turning that emotional spending into The Budget Fashionista, one of the earliest successful fashion blogs. You’ll hear how she redirected that energy, why she started asking “does this match my values?” and how mindful purchasing can actually make you happier. Perfect if you’ve ever looked at your bank statement and thought, “This isn’t even who I am.” Talkin’ Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here. Be sure to like and follow the show on your favorite podcast app! Keep the conversation going on Instagram @everyonestalkinmoney Learn more about your ad choices. Visit megaphone.fm/adchoices
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    27 m
  • Tax Moves That Pay Off: How to Keep More of Your Money Before December 31. Smart Money Moves Before Year-End Part 2

    Tax Moves That Pay Off: How to Keep More of Your Money Before December 31. Smart Money Moves Before Year-End Part 2
    Nov 6 2025
    Simple, legal, and smart ways to shrink your tax bill while boosting your wealth. If you’ve ever filed your taxes in April and thought, “Well… I wish I’d known that sooner,” this episode is your redo moment. In Part 2 of the Smart Money Moves Before Year-End series, Shari breaks down the strategic moves you can still make before December 31 that could literally save you hundreds — or even thousands — next year. Be sure to consult with your tax professional before implementing any of these strategies. You’ll walk away with: A checklist of five smart tax moves to make before year-end Simple steps to lower your taxable income (without complicated math) Smart strategies for charitable giving, retirement contributions, and benefits usage The confidence to approach tax season feeling proactive, not panicked Because you can’t time the market — but you can time your tax bill. Talkin’ Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here. Be sure to like and follow the show on your favorite podcast app! Keep the conversation going on Instagram @everyonestalkinmoney Learn more about your ad choices. Visit megaphone.fm/adchoices
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    35 m
  • Smart Money Moves Before Year-End Part 1 - The Big Picture: Your Year-End Money Checkup

    Smart Money Moves Before Year-End Part 1 - The Big Picture: Your Year-End Money Checkup
    Nov 4 2025
    It’s time for your money’s annual checkup — and no, there’s no waiting room or copay required. In this first episode of our Smart Money Moves Before Year-End series, Shari walks you through a four-part year-end audit to help you see exactly where your money went, what worked, and what needs a little TLC before the clock strikes midnight on December 31st. You’ll walk away with: A clear picture of where your money actually went this year One spending category to rein in before January A strategy to finish the year saving smarter (not harder) A confidence boost that comes from knowing exactly where you stand Because your future self doesn’t need another “I’ll figure it out in January.” She needs clarity — and that starts today. Talkin’ Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here. Be sure to like and follow the show on your favorite podcast app! Keep the conversation going on Instagram @everyonestalkinmoney Learn more about your ad choices. Visit megaphone.fm/adchoices
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    34 m
  • Investing Without Intimidation: From Overthinking to Ownership - Financial Confidence Bootcamp Part 4

    Investing Without Intimidation: From Overthinking to Ownership - Financial Confidence Bootcamp Part 4
    Oct 30 2025
    It’s time to turn confidence into ownership. In the final episode of the Financial Confidence Bootcamp, we’re breaking down the world of investing — minus the Wall Street jargon and overwhelm. Because investing isn’t just for finance bros and millionaires. It’s for anyone who wants their money to grow quietly in the background while they live their life. You’ll learn how to simplify your investing decisions, overcome the fear of “doing it wrong,” and build a portfolio that works for your real life — not someone else’s. You’ll walk away with: A simple, 3-step framework to start investing (even if you feel clueless) The truth about fear, confidence, and analysis paralysis Exactly where to start — from 401(k)s to Roth IRAs to brokerage accounts How to automate your investments so growth happens on autopilot What “staying the course” really means when the market gets bumpy This episode will leave you thinking, “I can actually do this.” Because you can — and it’s time you did. Part 1 - Budgeting That Actually Fits Your Life Part 2- How to Tackle Debt — Without Cutting Coffee, Joy, or Your Sanity Part 3- Save Like You Mean It! Talkin’ Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here. Be sure to like and follow the show on your favorite podcast app! Keep the conversation going on Instagram @everyonestalkinmoney Learn more about your ad choices. Visit megaphone.fm/adchoices
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    34 m
  • Trust Over Transactions: How Financial Planning Finally Put People First

    Trust Over Transactions: How Financial Planning Finally Put People First
    Oct 28 2025
    For too long, financial advice came with strings attached — confusing titles, hidden commissions, and “suitable” recommendations that didn’t always serve you. But the future of financial planning looks a lot different. In this episode, I’m joined by Lori Atwood, CFP®, founder of Fearless Finance, to unpack the evolution from sales-driven advice to fiduciary, fee-for-service financial planning. We get real about what fiduciary actually means, why hourly advice is changing the game, and how women can finally get help with their money — without the pressure or the pitch. You’ll walk away with: The real difference between “suitable” and fiduciary advice (and why it matters for your money) How hourly planning makes expert advice more accessible — and judgment-free The emotional side of money that most advisors completely overlook Why financial adulting isn’t about perfection — it’s about peace of mind If you’ve ever wondered whether your advisor is really acting in your best interest, this episode will help you ask the right questions — and take back control of your financial decisions. Talkin’ Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here. Be sure to like and follow the show on your favorite podcast app! Keep the conversation going on Instagram @everyonestalkinmoney Learn more about your ad choices. Visit megaphone.fm/adchoices
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    45 m