Everyone's Talkin' Money

Every January, money becomes part of the New Year’s resolution conversation. Paying off debt, saving more, getting better with money. And while those goals are common, they’re usually not the real issue. In this episode of Everyone’s Talkin’ Money, Shari explains why money keeps showing up on your New Year’s resolution list year after year, and what that pattern is actually telling you about your financial life. This isn’t about discipline, motivation, or willpower. It’s about whether your money systems are designed for the life you’re actually living. If you feel like you’re constantly resetting your finances, starting over every January, or promising yourself that this year will be different, this episode will help you understand what’s really underneath that stress. Shari breaks down the root reasons money feels stuck, why resolutions often create relief without real change, and how outdated money systems can create frustration even when your income has grown. Get your Three-Question Money Audit Here! This episode kicks off our January series, New Money Year: Reset, Systems, Goals, and lays the foundation for building financial systems that actually work. Not for the life you had five years ago, but for the one you’re living now. If you’re tired of making the same money resolutions every year, this episode will help you stop trying harder and start building smarter Talkin’ Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here.  Be sure to like and follow the show on your favorite podcast app!Keep the conversation going on Instagram @everyonestalkinmoney Learn more about your ad choices. Visit megaphone.fm/adchoices

If you’ve ever opened your banking app and felt your stomach drop — like the number on the screen said something about who you are — this episode is for you. Many of us have absorbed a quiet but destructive belief: that financial success equals personal value. That debt means you’re irresponsible. That renting means you’re behind. That earning less means you’re not trying hard enough. And that belief doesn’t just hurt emotionally — it shapes how we spend, save, work, and make decisions every day. In this episode, we pull that belief apart and put money back where it belongs. Your net worth is a number. It’s data. It is not a moral scorecard, a personality test, or a measure of your worth as a human being. We talk about where this belief comes from, how it shows up as money shame, avoidance, overspending, comparison, and fear-based decision making, and the real cost of living this way — lost peace, strained relationships, and the constant feeling of never being enough. Then we get practical. I walk you through how to separate the math from the meaning, how to look at your finances without spiraling, how to set boundaries and say no without over-explaining, and how to build a sense of worth that isn’t dependent on your bank balance, income, or credit score. This isn’t about pretending money doesn’t matter. It does. But it was never meant to define you. Money is a tool.You are the treasure. Talkin’ Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here.  Be sure to like and follow the show on your favorite podcast app! Keep the conversation going on Instagram @everyonestalkinmoney Learn more about your ad choices. Visit megaphone.fm/adchoices

Shari is back with another Best of 2025 episode. This time we are talking Boring Money Moves, it is one of her 40 Money Moves at 40 episodes she released in September. Mindset matters — but without solid systems, it won’t get you very far. In this episode of 40 Money Lessons at 40, we’re talking about the unglamorous money moves that quietly build real stability. This is the stuff that doesn’t trend on Instagram but actually changes your financial life: paying yourself first, living one month ahead, setting up simple bank systems, and creating routines that remove stress instead of adding it. We’ll walk through why “leftover money” never works, how to stop feeling behind even when you’re earning more, and why boring consistency beats financial chaos every time. You’ll also hear how small structure creates freedom, how to avoid emotional spending traps, and why the right systems make confidence inevitable. If you’re ready to stop starting over and start feeling steady, this episode is your foundation. Catch all of her 40 at 40 episodes here: ⁠40 Money Lessons at 40 - Part 1⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠40 Money Lessons at 20 - Part 2⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠40 Money Lessons at 40 - Part 3⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠40 Money Lessons at 40 - Part 4⁠⁠⁠ ⁠⁠40 Money Lessons at 40 - Part 5⁠ Talkin’ Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here.  Be sure to like and follow the show on your favorite podcast app! Keep the conversation going on Instagram If this episode hits home, share it with someone who needs a calmer approach to money. Tag me @everyonestalkinmoney and let me know what clicked. Build the foundation. Your future self will thank you. Learn more about your ad choices. Visit megaphone.fm/adchoices

Does the word “budget” still make your shoulders tense? Same. And that reaction isn’t a personal failing—it’s a sign that most budgeting advice was never built for real life. In this rereleased episode, we throw out the guilt, the restriction, and the rules that don’t stick, and replace them with a spending plan that actually works with how you live, earn, and decide. This conversation breaks down why traditional budgets tend to fall apart (hint: it’s not because you lack discipline) and how to build a values-based spending plan that supports growth, security, and joy—at the same time. You’ll learn how to identify what truly matters to you financially and how to align your spending with those priorities instead of fighting yourself every month. We walk through the Three-Bucket Spending Plan as a simpler, more human way to manage money without sacrificing the things you love or want to work toward. Shari also shares her own experience of breaking out of a scarcity mindset and why emotional spending has far more to do with unexamined beliefs and financial baggage than willpower. This episode reframes budgeting from something you “have to do” into a tool that helps you make intentional choices—so you can stop defaulting to “I can’t afford that” and start saying, “I’m choosing this.” If you’re tired of feeling guilty every time you spend, stuck in a cycle of overthinking your money, or ready to build wealth without burning out your nervous system, this episode is for you. Press play, rethink what a budget can be, and start creating a spending plan that finally feels supportive instead of suffocating. Talkin’ Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here. And don’t forget to keep the conversation going—follow us on Instagram @everyonestalkinmoney for more honest money mindset shifts and practical strategies you can actually use. Learn more about your ad choices. Visit megaphone.fm/adchoices

You’ve got the budget app. You’re reading the personal finance books. You know what you should be doing with your money—so why does it still feel so hard to follow through? In this Best of 2025 episode of Everyone’s Talkin’ Money, Shari breaks down six sneaky psychological biases that shape your money decisions without you even realizing it. From anchoring to optimism bias, these aren’t personal flaws—they’re predictable brain glitches. But once you spot them, you can stop them. You’ll walk away understanding: What anchoring bias is and why it makes that $100 dress feel like a steal (when it’s not) Why the fear of losing money feels worse than actually losing it—and how that keeps you stuck How your brain protects old money stories through confirmation bias Why instant gratification keeps winning, even when your future self is begging you to chill How optimism bias tricks you into thinking “next month” will magically fix everything Why social proof bias is fueling lifestyle creep—and what to do instead This is the episode that will make you pause mid-scroll, mid-spend, or mid-self-doubt and say, “Ohhhh, that’s what’s going on.” If any of these biases hit home, share the episode with a friend and DM Shari @everyonestalkinmoney to keep the conversation going Talkin’ Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here. Learn more about your ad choices. Visit megaphone.fm/adchoices