Warning: this one’s a little spicy. In today’s episode of the Money Mom Podcast, Rachel Coons is laying down five hard truths about money that every mom needs to hear.

These truths may feel uncomfortable (and you might even feel called out), but they come from a place of love, abundance, and wanting more for you and your family.

Inside, Rachel unpacks the blind spots that keep moms stuck, why no one is coming to “save” your finances, how debt carries more than just numbers, why more income isn’t the fix you think it is, how grocery spending can secretly sabotage your budget, and why mindset must come before any budgeting app.

If you’re ready for some tough love, honest perspective, and real talk about what it takes to create lasting financial change, this episode is for you.

xoxo,
Rachel

Where to find me:
Instagram: @heyrachelcoons

Join me for my next LIVE training 'Save $600 On Groceries'!: REGISTER HERE

Have you ever downloaded a new app or opened a fresh spreadsheet and told yourself, “This time my budget will finally work”, only to give up a few weeks later?

You’re not alone. The truth is, budgeting alone isn’t enough to fix money stress, get out of debt, or create lasting confidence with your finances.

In this episode of The Money Mom Podcast, I break down:
✨ Why traditional budgeting doesn’t stick (and what’s really going on underneath)
✨ How money habits and emotions—often learned in childhood—drive your financial patterns
✨ The 4 common money personalities and how each one shows up with money
✨ Practical ways to move beyond the numbers and finally feel peace, control, and confidence with your finances

If you’ve ever thought, “I don’t have a budgeting problem, I have a me problem”, this episode will show you the deeper truth: you’re not broken, you just need a new way of approaching money.

xoxo,
Rachel

Where to find me:
Instagram: @heyrachelcoons

Join me for my next LIVE training 'Save $600 On Groceries'!: REGISTER HERE

You’re in for a treat. Today I’m sitting down with licensed psychotherapist and nervous system expert Eliza Kingsford, the woman whose work quite literally changed my life and my marriage. We get practical about what “nervous system work” really means (no jargon, promise), why your reactions aren’t “personality flaws” but state-based responses, and how understanding your nervous system can transform your parenting, partnership, and even your relationship with money.

If you’ve ever wondered why the same argument keeps repeating, why small things suddenly feel huge, or why budgeting feels chaotic even when “the math should math,” this episode will land. We cover Eliza’s “nervous system bank account” (deposits vs. withdrawals), how to spot when you’re in the yellow before you hit the red, and the game-changing phrase: “Story follows state.”

In this episode, you’ll learn:

• What nervous system regulation actually is, and how it shows up in everyday mom life
• Why couples keep looping the same fight (and how to step out of it)
• The “nervous system bank account” model for staying out of overdraft
• How hormones, stress, and state distort tone, facial cues, and interpretation
• Why mindset alone can’t override bottom-up safety signals (and what does)
• How regulation impacts money behaviors, budgeting, and financial peace

Highlights & Takeaways:

• “State first, story second.” Solve the body state before the problem.
• Learn your personal deposits (they’re different for everyone!).
• Spot the yellow zone early to prevent red-zone blowups.
• Money triggers survival wiring, work with your nervous system, not against it.

Resources & Links:

• Connect with Eliza: @elizakingsford | elizakingsford.com (use code HEYRACHEL50 to save 50%!)
• Eliza’s podcast: Brain Powered Weight Loss with Eliza Kingsford
• Join Money Mom Club for our upcoming session with Eliza on nervous system + money (inside the 21-day money mindset series)

If this episode resonated:
Send me a DM or share your biggest “aha.” And if Eliza’s work is calling to you, reach out to her, tell her Rachel sent you. 💛

xoxo,
Rachel

Where to find me:
Instagram: @heyrachelcoons

Join me for my next LIVE training 'Save $600 On Groceries'!: REGISTER HERE