Episode Description:

The journey from money chaos to money confidence isn't a straight line - it happens in stages. And understanding exactly where you are can help you focus on what you actually need next.

Fresh off our 3-Day Money Reset Challenge, I'm sharing the 5 stages every woman moves through on her path to financial confidence:

You'll discover:

• Stage 1: Money Avoidance (and why looking is always better than not looking)
• Stage 2: Money Awareness (when you have information but don't know what to do with it)
• Stage 3: Money Management (systems that work most of the time but you still second-guess decisions)
• Stage 4: Money Confidence (frameworks that work automatically without guilt or stress)
• Stage 5: Money Mastery (using money strategically to build wealth and create impact)

Plus, why these stages aren't linear, why you can't skip the foundation-building that happens early on, and how to identify exactly where you are right now.

Most women get stuck between Stages 2 and 3. They manage their money okay but never feel truly secure about their financial choices.

What if 2025 was the year you moved to Stage 4?

Ready to move beyond money management to true money confidence? Applications are open NOW for the Moneywise Mastermind.

www.katyalmstrom.com/moneywise

Join the 3-Day Money Reset Challenge here: https://www.katyalmstrom.com/challenge

Connect with Katy:

IG: www.instagram.com/katy_almstrom
FB Group: www.facebook.com/groups/debtpayoffforwomen

When was the last time you actually looked at where your money went last month? Not just glanced at your bank balance, but really examined where every dollar went and why?

Most of us are running on financial autopilot, making money decisions based on how we feel in the moment or what seems urgent. But we never step back to see the bigger picture.

If you're tired of wondering where your money goes every month, this episode is your wake-up call.

You'll discover:

• What a money reset actually is (and why it's not about shame or judgment)
• The Money Chaos Cycle that keeps smart women feeling broke despite good income
• Why the fear of looking at your money is always worse than actually looking
• What happens when you finally get real awareness of your spending patterns

Plus, I'm sharing details about my FREE 3-Day Money Reset Challenge starting September 23rd in The Debt Payoff for Women Community Facebook group.

Three days, pen and paper, and the kind of financial clarity that changes everything.

Ready to break the Money Chaos Cycle? Let's reset together.

Join the 3-Day Money Reset Challenge: Search "The Debt Payoff for Women Community" on Facebook and request to join!

Join the 3-Day Money Reset Challenge here: https://www.katyalmstrom.com/challenge

Connect with Katy:

IG: www.instagram.com/katy_almstrom
FB Group: www.facebook.com/groups/debtpayoffforwomen

You make decent money. Your friends might even think you're "doing well" financially. So why do you always feel broke?

If you're constantly wondering where your paycheck went, feeling stressed about money despite earning good income, or questioning why you can't seem to get ahead - this episode is for you.

I'm breaking down the three specific reasons why good income doesn't translate to feeling financially secure, and more importantly, I'm showing you the cycle that keeps you stuck (spoiler: it's not about willpower or being "bad with money").

You'll discover:

• Why checking your bank balance is the worst way to make spending decisions
• How "life expenses" mysteriously expand to eat your entire paycheck
• The Money Chaos Cycle that traps even high earners
• What a healthy money decision-making system actually looks like

Plus, I'm sharing details about my FREE 3-Day Money Reset Challenge happening September 23-25 in my Facebook group. If you've been avoiding looking at where your money really goes, this challenge will help you get clarity without the shame or overwhelm.

Ready to break the cycle? Let's dive in.

Join the 3-Day Money Reset Challenge here: https://www.katyalmstrom.com/challenge

Connect with Katy:

IG: www.instagram.com/katy_almstrom
FB Group: www.facebook.com/groups/debtpayoffforwomen

"I can't afford it." If you catch yourself saying this phrase a lot, you're accidentally keeping yourself stuck in scarcity thinking. For years, I said this constantly while simultaneously putting things on credit cards anyway. The problem isn't your bank account - it's the language that makes you feel powerless. In this episode, I'm sharing what to say instead.

You'll learn:

• Why "I can't afford it" shuts down creative thinking and keeps you feeling like a victim
• The choice-based language I use with my kids instead (that actually teaches them about money)
• How to find an affordable version of almost anything you want
• The reseller market secret that makes expensive items accessible
• The one question that changes everything about how you approach money decisions
• Why getting clear on your WHY often reveals you don't actually want the thing
• How to reframe from limitation to empowerment in any money conversation

Stop letting this phrase make you feel powerless. You have more options than you think - it's time to start using language that reflects that truth.

Join the 3-Day Money Reset Challenge here: https://www.katyalmstrom.com/challenge

Connect with Katy:

IG: www.instagram.com/katy_almstrom
FB Group: www.facebook.com/groups/debtpayoffforwomen

What if your money wasn't your enemy, but your teammate? Most of us have been conditioned to see money as something scary to fight or control, but this mindset keeps us stuck in anxiety and bad decisions. In this Money Mindset Minute, I'm sharing the simple shift that completely transformed how money feels in my life.

You'll discover:

• Why treating money like a supportive friend changes everything
• The mindset shift that turns spending guilt into spending joy
• How I went from urges to spend everything to excitement about building wealth
• The automation strategy that makes money decisions guilt-free
• What to think instead when you look at your bank account
• The simple reframe that makes saving feel like teamwork, not deprivation

This isn't about talking to your money (though you could!). It's about partnering with your money instead of fighting it. When you make this shift, every financial decision becomes easier.

Join the 3-Day Money Reset Challenge here: https://www.katyalmstrom.com/challenge

Connect with Katy:

IG: www.instagram.com/katy_almstrom
FB Group: www.facebook.com/groups/debtpayoffforwomen

Summer doesn't have to be a budget buster, but most people fall into the same expensive traps every year. They start with good intentions, say yes to everything without a plan, and then avoid looking at their bank account until fall hits with back-to-school stress. Sound familiar? In this episode, I'm sharing our family's real approach to enjoying summer without going broke - and it's way simpler than you think.

You'll learn:

• The year-long planning strategy that makes summer expenses feel manageable
• How to create the "summer activities list" that keeps costs low and fun high
• Why most summer magic is actually free (and how to lean into that)
• The scheduling trick that spreads out bigger expenses without the guilt
• How to avoid the dangerous summer money avoidance spiral
• What to do right now if you're already feeling behind

Stop thinking you need to spend your way to a good summer. I'll show you how slowing down and being intentional creates better memories than any expensive activity ever could.

Join the 3-Day Money Reset Challenge here: https://www.katyalmstrom.com/challenge

Connect with Katy:

IG: www.instagram.com/katy_almstrom
FB Group: www.facebook.com/groups/debtpayoffforwomen

Feeling stuck in the same money patterns you started 2025 with? Like you're going through the motions but not making real progress? You're not alone. This week I ran a special mid-year workshop for my Moneywise clients and waitlist members, and what happened was so powerful I had to bring it to the podcast.

You'll learn:

• How to identify the hidden money pattern that's been secretly running your financial life
• The December 2025 vision exercise that creates clarity instantly
• Why your money emotions matter more than your budget
• The ONE decision framework that bridges where you are to where you want to be
• How to turn "inevitable" financial progress instead of hoping and wishing

Instead of typical goal-setting that never sticks, this episode goes deep on rewriting the money stories that have been holding you back. If you've been spinning your wheels financially and want your second half of 2025 to feel completely different, this reset will show you exactly how to make it happen.

Join the 3-Day Money Reset Challenge here: https://www.katyalmstrom.com/challenge

Connect with Katy:

IG: www.instagram.com/katy_almstrom
FB Group: www.facebook.com/groups/debtpayoffforwomen

Overwhelmed by budgeting apps and complicated money systems that never stick?

You're not alone. In this episode, I'm sharing insights from my special mid-year workshop where my clients revealed what's actually working for them - and it's refreshingly simple.

You'll learn:

• Why most money management systems fail (and it's not what you think)
• The two-part approach my clients swear by that requires zero apps
• How to stay connected to your money without obsessive tracking
• Why simple beats perfect every single time
• The 15-minute monthly habit that prevents money stress

If you've been struggling to find a sustainable approach to managing your money, this episode will be a breath of fresh air. No complicated spreadsheets, no daily maintenance, just practical strategies that work even when life gets messy.

Join the 3-Day Money Reset Challenge here: https://www.katyalmstrom.com/challenge

Connect with Katy:

IG: www.instagram.com/katy_almstrom
FB Group: www.facebook.com/groups/debtpayoffforwomen