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

In this follow-up to last week’s episode, Brad and I go deeper into the exact mindset work that transformed how we experience money, and why that shift changed our marriage, careers, and day-to-day peace (even while still carrying student loans). If you missed Part 1, start there, it lays the foundation for today’s conversation.

We talk about the moment Brad realized he had given power to money, how reframing money as neutral (a simple tool and flow of energy) dissolved shame and anxiety, and the practical exercises we used to rewrite old money stories like “money is evil” or “we never have enough.” We also unpack worthiness, judgment, and why more income alone rarely fixes the stress.

In this episode:

• Identifying your “money story” and testing whether it’s universally true
• Replacing fear-based beliefs with evidence-based, empowering ones
• Experiencing money as flow, giving and receiving without guilt
• Letting go of judgment (of others and yourself) and finding real freedom
• Why transformation follows a commitment (“transaction before transformation”)
• How mindset shifts can improve work, relationships, and financial decisions

If you’re ready to heal your relationship with money, we’re kicking off a Money Mindset Challenge inside Money Mom Club, you’ll go through my guided audios and join live calls with a supportive community. Members get access included.

—
🎧 Start with Part 1: [Apple Podcasts] [Spotify]
💗 Join Money Mom Club & the Money Mindset Challenge: [Click Here]
📩 Share your takeaways with me on IG @heyrachelcoons

xoxo,
Rachel

Where to find me:
Instagram: @heyrachelcoons

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

Today I’m joined by a very special guest, my husband, Dr. Brad Coons. We’re pulling back the curtain on:

• Brad’s personal experience with a GLP-1 (tirzepatide): why he started, what changed, and how he approached it alongside strength training and nutrition
• The “behind-the-scenes” of our Instagram love story (and a few wild details we’ve never shared)
• How healing our relationship with money transformed our marriage, stress, and daily life, and the exact mindset shifts that started it all

This is Part 1 of a two-part series. Next week we dive deeper into the practicals of changing your money story as a couple.

Timestamps
00:00 Intro & why Brad’s here
03:10 Brad’s health journey & GLP-1 experience (tirzepatide)
17:40 Side effects, results, and lifestyle supports
23:15 Our IG love story, bonus details
28:20 Money, marriage, and the moment everything shifted (Money Mindset)
36:50 What’s coming in Part 2

Disclaimer: We are sharing personal experiences only. This is not medical advice. Always consult your healthcare professional about medications or treatments.

If this episode resonates, share it with a friend and follow for Part 2 next week!

xoxo,
Rachel

Where to find me:
Instagram: @heyrachelcoons

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

This week’s episode is extra special because I’m bringing on a Money Mom Club member to share her real experience inside the club.

Debbie is a homeschooling mom of four who thought she had her grocery spending under control, until she actually tracked it and realized she was spending nearly $1,500 a month.

Within just a few weeks of applying the SHOP Method, Debbie cut her bill in HALF, down to around $700 a month, while also saving time, stress, and energy. In this conversation, she opens up about what changed for her, how the Money Mom Club has simplified her life, and why the investment was worth it.

If you’ve been on the fence about joining Money Mom Club, you’ll want to listen to this insider perspective. And remember: this is the very last week you can join for just $33/month before the price increases to $47. Don’t miss your chance to save money, reclaim your peace, and transform your relationship with money.

👉 Join here before the price goes up: CLICK HERE TO JOIN

xoxo,
Rachel

Where to find me:
Instagram: @heyrachelcoons

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

Have you ever tried budgeting and felt like a total failure, or just completely overwhelmed by the process? You’re not alone, and the problem isn’t you…it’s the way most of us have been taught to think about budgeting.

In this episode of The Money Mom Podcast, I’m pulling back the curtain on why traditional budgeting often doesn’t work for moms and how you can approach money in a way that actually feels doable.

No more endless spreadsheets, confusing apps, or shame-filled restrictions. Instead, I’ll show you how focusing on just one budget category—your groceries—can simplify your entire financial picture and help you save hundreds of dollars each month.

You’ll hear:

• Why budgeting feels so heavy for most moms (and how to take that weight off)
• The one category you should focus on first to see the biggest results
• How my family cut our grocery spending by nearly $500/month without sacrificing health or convenience
• Stories from moms in our community who’ve saved thousands and even funded family vacations, just from this one shift

If you’re tired of feeling stuck, overwhelmed, or restricted by traditional budgeting, this episode is your permission slip to keep it simple and finally find financial breathing room.

✨ Want to learn the exact method? Join my free live training on September 8th: www.heyrachelcoons.com/beyondthebudget

xoxo,
Rachel

Where to find me:
Instagram: @heyrachelcoons

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

In today’s episode of The Money Mom Podcast, I’m getting personal and answering one of the most common questions I’ve been getting lately: “Have you been on a GLP-1?”

The truth is, yes. For the first time, I’m sharing my full journey with GLP-1s: why I decided to try it, what it’s been like for me and Brad, the results we’ve experienced, and the honest pros and cons. From weight loss and energy shifts, to how we’ve prioritized lifting weights and protein intake to protect muscle, I’m pulling back the curtain on what life has looked like for us these past nine months.

I’ll also answer some of your top questions, including:

• Do I recommend GLP-1s to others?
• What side effects have I experienced?
• How have we approached dosage (and why we’ve kept it low)?
• What do I think about long-term use?
• And what role food, fitness, and mindset really play in the process.

This is not medical advice, just my story. My goal is to share openly, remove the shame, and hopefully give you clarity if you’ve been curious about GLP-1s yourself.

✨ If you’ve ever wondered about GLP-1s or just want an honest, balanced perspective, 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