Are you among those who believe financial planning is something that only people with big incomes or inherited wealth should do? If so, then you’re not alone. Although planning skills are often seen as a spontaneity killer, the truth is that having a flexible plan under your sleeve is the best way to face uncertain times. In this week’s episode, Elaine King, founder of Family and Money Matters, will share why having a personalized financial plan is so important.

Have you ever wondered why uncertain times always hit us so hard? It is a real paradox. Intuitively, we know that life can change at a moment’s notice. We’ve seen friends and family navigate all kinds of rough patches, and if you were around in the 80s, you have also lived through a couple of recessions and economic downturns.

Intellectually, we understand that uncertainty and change are a part of life. And yet, when it’s time to develop a plan to navigate the huge waves of this ocean called constant change, some of us still resist. We either feel that no plan will ever be able to prepare us enough for the unknown (so why bother), or we overdo it and end up attempting to forecast every small thing. Hitting the proverbial middle ground feels like an impossible task.

This is why, in this week’s podcast, Elaine King, an award-winning certified financial planner, will share what essential mindset shifts you need to implement today to reach your financial goals.

In this episode you will learn:

• How emotions show up in financial planning.
• Why having a Plan B (and even a plan C) is non-negotiable,
• How to shift your mindset around money so it works for you and not against you.

For a quick recap of this episode go to https://www.jenhemphill.com/423

The post, Financial Planning for Uncertain Times | HDM 423 appeared first on the Her Dinero Matters Podcast.

If you are a small business owner or you plan to become one anytime soon, I can almost guarantee that one of your biggest concerns right now (if not the main concern) is how to make your business profitable in the long term without burning yourself down to the ground. Or some version of this. Well, today is your lucky day!. In this week’s episode, our guest, Dr. Karwanna D. Irving (aka, The Queen of Government Contracts) will share her playbook to do just that. Shall we dig in?

Typical advice for new business owners usually emphasizes a few “well-known” things. First things first, being in business is hard –the first few years will feel like an absolute grind (#yikes). Second, you have to start small to test the ground and gain momentum –forget about big contracts in year one. You should focus instead on perfecting our processes. And finally, the most important thing: you need to price yourself competitively –meaning, you have to find a rate that your client is willing to pay.

Well, in today’s HDM episode we will be doing a thorough revision of those deep-rooted beliefs because, let’s be honest, every small business owner out there gets into business for similar reasons. Increasing their incomes is an important part of it, but so is taking back control of their time and gaining a sense of personal freedom. Savvy business owners understand that entrepreneurship doesn’t have to mean fulfillment: trading time for money can only take you so far.

In this episode, Dr. Karwanna D. Irving, CEO and Founder of She’s Got Goals, author and Government Contracts expert, will share with us her playbook to scale your small business using the power of big contracts.

In this episode you will learn:

• Why following typical business advice is not the best way to scale.
• The A to Z of getting started with government contracts.
• The biggest mistakes small businesses make when attempting to secure a government contract.

For a quick recap of this episode go to https://www.jenhemphill.com/422

The post, Scaling Your Business Through Government Contracts | HDM 422 appeared first on the Her Dinero Matters Podcast.

If you are among the 44% of Americans who want to get rid of debt in 2025, but you are still not sure what the best way to achieve this goal, this week’s HDM episode is for you. Today, Rachel Hart, founder of Budget, Save and Blog will walk us through the radical debt-repayment plan that allowed her to slash $78,000 in credit card debt in only 1.5 years. Shall we dig in?

If you’ve ever tried to set up a truly long-term goal (think at least 3+ years from now), you know that doing this falls perfectly in the proverbial easier-said-than-done category.

The main problem? Our brains are wired to privilege short term satisfaction over long term success. Getting an instant $20 cash rebate from a $1000 purchase? Yes, please. Receiving thousands of dollars in ROI after 30 years of investing? Honestly, not that enticing (who is willing to wait 10 long years to see the reward coming, if it ever does?).

This is why paying off debt sometimes feels like an impossible quest, especially if the amount of money you have to repay is substantial (to the point where it surpasses by far your current income levels). With such a huge number living in your head all the time, it's easy to feel discouraged, demotivated, and, sometimes, even hopeless.

But, what if there was a way around this? What if you could build a plan to slash all your debt in record time? What would be the trade-offs? And most importantly, would you be willing to accept them?

Well, this is exactly what we’ll be talking about in this episode. This week we are having a down-to-earth conversation with Rachel Hart, founder of Budget, Save and Blog and host of the Money Moves for Latinas podcast. Back in 2021, Rachel slashed $78,000 in debt in only 1.5 years, a financial feat that must be discussed.

In this episode you will learn:

• Rachel’s radical plan, explained.
• The trade-offs behind an aggressive debt repayment plan.
• A key piece of (unconventional) advice for those who are in a debt-repayment journey.

For a quick recap of this episode go to https://www.jenhemphill.com/421

The post, Fast-Track Your Way Out of Debt | HDM 421 appeared first on the Her Dinero Matters Podcast.

If you love to plan for things, you already know that thinking ahead has some serious benefits in the mental peace department –when you plan things in advance, you remove some of the uncertainty that our brains tend to associate with all future-related events. In this week’s episode, I’ll share with you what the financial benefits of thinking ahead are and how you can put yourself in future-me thinking mode.

You don’t need to specialize in financial forecasting to understand that, when it comes to personal finances, making decisions and planning with your future self in mind has some major advantages. Intuitively, we all know that long-term planning (aka, thinking ahead) coupled with consistency is, admittedly, one of the best strategies out there.

However, when you are immersed in the day-to-day grind, where the rhythms of life pulse in a never-ending staccato, it's easy to forget that there’s more to the day than your never-ending to-do list. You also have goals and dreams, future projects and plans that are brewing in the back, a vision of how you want your life to be. And none of that will come to fruition today, or even over the next few days.

The only way to access that well of possibilities is by harvesting the power of thinking ahead and planning for your future success.

Although every human being is already equipped with all the tools needed to plan and think about their future selves, not everyone knows how to intentionally tap into that pool of possibilities. This is why in today’s episode, I’ll share with you what the benefits of thinking ahead are and how you can put yourself in future-me thinking mode.

In this episode you will learn:

• Five reasons why thinking about your future money self matters.
• A practical exercise to start listening to your future money self.
• A recap of the main lessons that you’ll get once you start thinking about your future money self.

For a quick recap of this episode go to https://www.jenhemphill.com/420

The post, The Magic of Thinking Ahead: Meet Your Future Financial Self | HDM 420 appeared first on the Her Dinero Matters Podcast.

Achieving financial stability doesn’t have to feel like an uphill climb all the time. In fact, it’s possible to build a strong financial foundation without feeling overwhelmed by your own numbers (spoiler alert: the whole journey can even be fun!). In today’s episode, Dr. Darla Bishop will share why being “good” with money doesn’t require an advanced degree in economics or superior mathematical knowledge. Shall we dig in?

If you are a regular listener of personal finances podcasts, chances are you know someone who is really “good” with money. Meaning: for as long as you’ve known them, this person has never shown visible signs of financial struggle. From ongoing conversations, you know they’ve been working the same job for quite some time, paid their bills consistently, took regular vacations with their families, and even managed to offer support for their college-aged kids.

The most surprising thing? You know, for a fact, that generational wealth is not at play here. Your acquaintance didn’t inherit a massive state or is supported by a hefty trust fund. They are a regular, everyday person, with a regular job and half a dozen bills to pay, just like you. And yet, their lives couldn’t feel more different, and deep down inside, you can’t stop wondering why.

What exactly gave them their advantage? What’s at play here?

In this week’s episode, we are going to dig deep into this in an open convo with Dr. Darla Bishop, the author of How to Afford Everything, a practical guide for those who are starting to figure out their money. Darla will share her insights on the steps you need to take now to finally become “good” with money.

In this episode you will learn:

• Why small financial wins are so important.
• How everyday people can attain financial stability (plot twist: it all starts with a mind shift).
• The real impact of changing your mindset.

For a quick recap of this episode go to https://www.jenhemphill.com/419

The post, Financial Stability for Everyday People: How To Get There | HDM 419 appeared first on the Her Dinero Matters Podcast.

When you are living in a financial situation filled with dramatic ups and downs, sometimes you start to sense that maybe, just maybe, the real culprit behind the craziness is everything… but the money itself. Yes, you might not be bringing in the income you want, but something inside you suspects that, even if you did, your current situation would still be a thing. If this paradox feels familiar, this is your episode. This week, Jessica Moorhouse is back on the podcast to share her insights on why, sometimes, our financial struggles have nothing to do with actual money. Shall we dig in?

If you are a long-time listener of this podcast, chances are you’re also the proud owner of solid financial knowledge. You’ve probably read your fair share of money books, are constantly on the lookout for down-to-earth financial advice, and, overall, you do have a good understanding of where your finances currently stand. The ups and downs of your daily money management are not that new to you.

And yet, if a random stranger were to ask you how satisfied you are with your current financial situation, I suspect your answer wouldn’t be super enthusiastic. Maybe you feel nowhere near hitting your goals. Or maybe you’ve made progress, but you just don’t feel a real sense of achievement. Maybe you’ve been learning a lot and following sensible advice down to the T, but you don’t see objective improvements in your current financial situation.

If any of these scenarios feel familiar, you’ve landed on the right episode. This week on Her Dinero Matters, we are having the amazing Jessica Moorhouse back in the podcast. Jessica will share her insights and learnings on those pesky hidden barriers preventing you from attaining financial freedom, once and for all.

In this episode you will learn:

• Why financial literacy alone is not enough.
• How emotions and past experiences shape the way you think (and act) around money.
• The role that privilege plays in our financial journeys.

For a quick recap of this episode go to https://www.jenhemphill.com/418

The post, Money IS NOT the Problem: The Invisible Wall Between You and Financial Freedom | HDM 418

appeared first on the Her Dinero Matters Podcast.

Are you tired of creating complex spreadsheets (sophisticated expense categories and advanced formulas included) only to realize a few weeks later that you are not following your carefully crafted plan? If you are still chasing the proverbial one-step budgeting/financial solution that will put your finances on the road to guaranteed success, this episode is for you. This week, Nicole Stanley, founder of Arise Financial Coaching, will share what you can do today to inject a dose of Money Momentum into your finances.

“Spend less and save more.”

“You can’t take vacations if you’re in debt”.

“Before getting groceries, always check prices in different places.”.

“Don’t buy things you don’t need.”

“Stop buying $5 lattes.”

When was the last time you heard this type of money “advice”? If you’re anything like me, the answer is probably “far too often”. While the intentions of the advice-giver usually come from a place of genuine care and desire to help, the unfortunate truth is that, when taken at face value, these pieces of advice rarely fix anything. Instead, they make us feel ashamed, unfit, or just plain incapable of fixing this big can of worms that is your finances.

But, what if there was a way to not only “get” financial knowledge, but also act on it and thus gain momentum in the process? What if you had a framework that walked you through the essential steps you need to take to finally put your finances in order without the shame or the limiting stories that may be feeding some misaligned beliefs?

Well, that’s exactly what Nicole Stanley is sharing with us today.

This week in Her Dinero Matters, Nicole will share with us 3 major truths she discovered in her own journey toward financial success. Nicole Stanley is the founder of Arise Financial Coaching, where she offers shame-free financial education that empowers women.

In this episode you will learn:

• The importance of reshaping your own financial narrative.
• The steps you can take today to inject your finances with momentum.
• Why “being frugal” is not always the answer (plot twist: yes, you can take that too far!)

For a quick recap of this episode go to https://www.jenhemphill.com/417

The post, When Money Meets Momentum: 3 Truths To Reset Your Finances | HDM 417

appeared first on the Her Dinero Matters Podcast.

If you feel that 2025 kicked off with an excess of horsepower —to the point where you are already holding on for dear life just to stay afloat (and it’s not even spring!)— this brand new episode of Her Dinero Matters may be just what you need. This week, we are finally kicking off a new season with a much-needed opening convo: What do you do when overwhelm starts knocking at your door?

Intellectually, we all know the world is constantly changing. No matter where we are or what we do for a living, every day we wake up to the realization that our environments and circumstances are always adjusting. However, one thing is experiencing a few “normal” changes here and there, and quite another is being immersed in a world that shifts and turns at a breakneck speed, without having enough time to properly accept and integrate all the newness.

If you’ve ever felt that everything around you is changing at an impossible speed, you’re not alone. In fact, a recent Globe Scan survey revealed that 8 in 10 respondents acknowledged feeling that the world is changing too quickly. If you’d ask me, I’d say this is a recipe for anxious thinking.

This is why I want to launch a brand new season of the Her Dinero Matters podcast with a much-needed convo around chaos and overwhelm. How do you navigate a world that sometimes feels like a non-stop source of uncertainty? Let’s talk about it.

In this episode you will learn:

• Update time! What has happened in the past few months?
• My vision for this new podcast season!
• 4 steps you can take today to deal with those pesky stressors (financial or not) that are impacting your life.

For a quick recap of this episode go to https://www.jenhemphill.com/416

The post, Navigating Chaos and Overwhelm: A 4-Step Survival Guide | HDM 416 appeared first on the Her Dinero Matters Podcast.