Have you ever downloaded a new budgeting app, opened a fresh spreadsheet, and promised yourself this time will be different... only to fall right back into the same money stress a few weeks later?

You’re not broken.
And you don’t have a willpower problem.

In this episode of The Money Mom Podcast, I’m breaking down why budgeting alone doesn’t actually lead to financial peace, confidence, or debt freedom, and what’s really going on beneath the surface when money systems don’t stick.

We’ll talk about why numbers don’t change habits, how your emotions and subconscious beliefs drive spending, and why so many moms stay stuck in the same cycle even when they “know what to do.”

You’ll also learn about the four money personalities I see most often in moms:

• The Avoider who doesn’t want to look at the numbers
• The Emotional Spender who shops to cope with stress
• The Scarcity Saver who budgets well but never feels at peace
• And the Confident Money Mom — the version of you who feels calm, grounded, and in control of her money (without obsession or restriction)

This episode isn’t about shame, restriction, or another spreadsheet.
It’s about understanding why you show up the way you do with money — so you can finally change it.

If you’ve ever felt:

• Overwhelmed by budgeting
• Stressed about debt
• Guilty for spending
• Afraid to check your bank account
• Or tired of money running your emotions, marriage, or mental space

…this episode will meet you exactly where you are.

✨ And if you’re ready to do the deeper work — combining practical money skills and mindset — I’ll also share how you can join us inside Money Mom Club, a supportive community of women learning how to save, spend, invest, and feel confident with money.

🎧 Press play and let’s stop budgeting around the problem — and finally address the root.

xoxo,
Rachel

Where to find me:
Instagram: @heyrachelcoons

Join me for my next LIVE training 'Money RESET 2026'!: REGISTER HERE

In this episode, we’re unpacking why money avoidance is so common (and why it’s not a personal failure), how your nervous system plays a role in financial stress, and how awareness, not perfection, is the first step to taking your power back.

You’ll hear why:

• Avoiding your bank account is actually making the problem worse
• Your brain is trying to protect you, but it’s often lying to you about danger
• Simply looking at the numbers (without judgment) can start breaking the negative money cycle
• Grocery spending is the fastest, least overwhelming place to create real financial momentum
• More money won’t fix money problems without a system in place
• All-or-nothing thinking is one of the biggest budget killers for busy moms

We also talk about why restriction, no-spend challenges, and perfectionism don’t work long-term, and what does work instead: flexible systems, realistic habits, and progress you can actually sustain in real life.

If you’re heading into 2026 feeling overwhelmed, behind, or stuck in a cycle of stress with money, this episode will help you slow things down, reconnect with your body, and start moving forward—one grounded step at a time.

✨ Plus: I’m sharing details about my upcoming free Money Reset for 2026 workshop, where we’ll break down the 5 pillars busy moms need to stop overspending, get out of debt, and finally feel in control. Without shame or spreadsheets.

👉 Links to the free workshop and my grocery savings classes are here:

www.heyrachelcoons.com/class

You are not starting over.
You’re leveling up.
And you’re more capable than you think. 💛

xoxo,
Rachel

Where to find me:
Instagram: @heyrachelcoons

Join me for my next LIVE training 'Money RESET 2026'!: REGISTER HERE

In this special episode, Rachel Coons shares her transformative journey from financial overwhelm to abundance, as she’s interviewed by Monica Packer at the More for Moms Conference.

Rachel opens up about the emotional side of money, the unique challenges moms face, and how shifting your mindset can bring peace—even when life feels chaotic.

Discover practical tips for saving on groceries, building a healthier relationship with money, and embracing generosity and gratitude.

Whether you’re struggling to make ends meet or simply want to feel more empowered with your finances, this conversation offers hope, actionable advice, and a reminder that you’re not alone.

xoxo,
Rachel

Where to find me:
Instagram: @heyrachelcoons

Join me for my next LIVE training 'Money RESET 2026'!: REGISTER HERE