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Beyond The Dollar – Deep and Honest Conversations On How Money Affects Your Well-Being

Host Sarah Li-Cain wants to make money more approachable by having frank and honest conversations. Each episode, her and her guests candidly discuss a topic at the intersection of money and life. It becomes a space where wins, failures, happiness, shame and everything in between gets its turn. Come learn about how topics like financial independence, frugality, budgeting and other major life transitions and events affect your money.

Copyright: © 2019 Li Cain Media LLC

Latest Episodes:

Going Back to a Full-Time Job With Candice, Chonce, and Joshua Sep 01, 2021

In this season finale, we’re going to dig deeper into the idea of what it means to go back to a job after taking a stab at entrepreneurship. How can someone accept the fact that they’ve “failed”, how does one deal with a bruised ego, and well, is it really the end of the world?
And well, if you go back to a job, is it a message to the world that you suck? That you can’t make it or there’s something wrong with you. What will people say?

You see, these questions about your vocation, it’s more than about how you make money. It’s actually a larger question about your worth. About how ‘badass’ you are. You bucked the conventional trajectory, congrats! How cool are you that you get to dictate your own schedule, work from the beach and be your own boss!
What You Hear in This Episode:

What led all three to quit their 9 to 5 jobs
Benefits and challenges when someone strikes it on their own
How to tell if you need to go back to full time job, and not let your ego get in the way
Why you are enough, just as you are

Resources:

*theme music by Donovan Dorrance

Checking into a Mental Health Facility with Julianna Estall Aug 25, 2021

Julianna Estall, a DCR, or designated crisis responder, comes on to talk about the time she checked herself into a mental facility (she suffers from dehabilitating mental illness at times), and how much it really cost her. We also discuss how she’s more empathetic towards others' financial situations when it comes to mental health, and why she does not regret the thousands of dollars she’s spent (and continues to speed to take care of her needs).
What You Hear in This Episode:

What led Julianna to calling 911 and voluntarily going to the emergency room
How much spending five days, plus medication and working with a psychiatrist cost her
How people who can't afford health care can afford to tend to their mental health
Why Julianna is so thankful she is able to afford treatment

Resources:

*theme music by Donovan Dorrance

Communicating Your Financial Needs and Beyond Aug 18, 2021

This week episode recaps last week's conversation with Maggie Germano on motherhood versus ambition. It'll to dive into the “conflict” that is parenthood and your career, why it’s more important than ever to communicate our needs, and why understanding that balance is a total myth will help you with your finances.
What You Hear in This Episode:

Why balance or "having it all" is a total myth
How you can communicate your needs clearly and consistently
What you can do to have a support system around you
Why it's not cheesy to lean into the phrase "expect the unexpected" when it comes to parenthood and ambition

Resources:

*theme music by Donovan Dorrance

Ambition Versus Motherhood With Maggie Germano Aug 11, 2021

Maggie Germano comes on the show to talk about the perceived conflict that is motherhood and ambition. She shares how she’s embrace the uncertainty as to comes to her income and business goals, emotions she’s facing, and what’s she’s not willing to give up as a mother.
What You Hear in This Episode:

What Maggie did to prepare her business for her maternity leave
What has both surprised and drained her juggling both work and motherhood
Why she feels it's important to talk with support systems about needs and boundaries
What ambition, work and rest looks like in this iteration in her life, and how she no defines ambition differently

Resources:

*theme music by Donovan Dorrance

Consequences of Financial Stress on Our Bodies Aug 04, 2021

This week's episode recaps Sarah's conversation with Jen Smith (episode 105) where she shares the story of being laid off at 37 weeks pregnant, and her body going into a seizure as a result of the stress. This episode dives into how your body can react when you’re dealing with high stakes financial situations like Jen did. You'll also learn some simple and practical ways you can manage stress and what to do when an unexpected financial situation happens.
What You Hear in This Episode:

The moments lead up to and after Jen's layoff
Why the concept of mind body connection needs to be taken seriously
How to work with the body when dealing with financial stress
Why self-care (not the hokey stuff!) is crucial to a healthy financial life

Resources:

*theme music by Donovan Dorrance

Losing a Job at 37 Weeks Pregnant With Jen Smith Jul 29, 2021

Jen Smith comes on the show to talk about the time her and her colleagues experienced a massive layoff at her former job, a few weeks before she was to give birth. She shares her experience navigating healthcare insurance, how she grew her income with the help of her network, why her body reacted by going into a seizure, and what this experience taught her about her ambition and relationship to work
What You Hear in This Episode:

The moments lead up to and after Jen's layoff
How Jen navigated healthcare and income concerns
Why she feels she went into a seizure and had to stay in the hospital shortly before giving birth
What ambition, work and rest looks like in her life, and what this experience taught her about forging her own path

Resources:

The Frugal Friends Podast
Modern Frugality
The Layoff Payoff: A Severance Package

*theme music by Donovan Dorrance

Managing Emotional Triggers For Impulse Shopping Jul 21, 2021

This week's episode recaps Sarah's conversation with Alyssa Davies last week, which dives into what really might be going on when you are shopping impulsively, even if it’s not a full-fledged addiction. Plus you'll learn how to recognize your emotional triggers and how to achieve balance when it comes to your shopping habits through reflection questions.
What You Hear in This Episode:

What might be going on when you purchase a lot of the same items
Why impulse shopping isn't something to be ashamed of
How to start recognizing emotional triggers
How you can start learning to spend money for your own joy

Resources:

*theme music by Donovan Dorrance

Overcoming a Shopping Addiction With Alyssa Davies Jul 14, 2021

Alyssa shares her experience of being addicted to clothes shopping in her early 20s. She goes into how she knew it became a problem, the emotional triggers leading her to spend all that money, and what she does now to ensure she has balance and trust in her financial life.
What You Hear in This Episode:

The real reason why Alyssa bought new outfits whenever she went out
How Alyssa discovered she needed to change her financial situation
How Alyssa's relationship to money has changed over the years
What Alyssa would tell her younger self about her financial journey

Resources:

*theme music by Donovan Dorrance

Spending Money Out of Love Jul 07, 2021

This week's episode recaps a conversation with Kassandra Dasent last week, where she shared her experience flying to another country to be at her mother's deathbed before she died of COVID-19. It'll dive into what it means to be a financial caretaker, the exact feeling Kassandra felt when she was able to drop everything to be with her mom knowing she can pay for whatever it cost, and questions you can ask to help you cultivate those same feelings yourself.
What You Hear in This Episode:

What it means to spend money with love and no regrets
How you can begin to get your finances together to spend according to your values
Why it's important to have conversations with aging parents about money
What does anticipatory grief look like and work through it

Resources:

*theme music by Donovan Dorrance

Quarantine, Spending $10,000+ (USD) and Grieving Her Mother with Kassandra Dasent Jun 30, 2021

Kassandra Dasent shares her harrowing experience flying from the U.S. to Canada smack dab in the middle of the COVID pandemic to be by her mother’s death bed. She also goes into detail exactly how much she spent, how she was able to pay for it all in cash, why she has no regrets and what this experience has really taught her.
What You Hear in This Episode:

Why Kassandra does not regret paying for her late mom's long term care and funeral
What was Kassandra's mom's legacy to her and her family
How parents can set their kids up for financial success without money
How to start using money as the value you and others will receive

Resources:

*theme music by Donovan Dorrance

How To Use Money as the Final Filter Jun 23, 2021

This episode dives deeper into the phrase “use money as the final filter” and how last week's guest, Jason Vitug uses this to make his money decisions. A lesson learned where he regretted not so was pushing off a flight to save money, only to not be able to see his late 97-year old grandmother before she passed. You'll learn questions you can think about on how to move beyond the question of survival once you have the financial means to do so.
What You Hear in This Episode:

The real reason Jason and his mother decided to save money on their flight
What regrets and emotions he's still dealing with from this one seemingly small decision
How we can start to spend money with purpose
What it means to talk about money beyond mere survival and the numbers
How using money as the filter helps to break the taboo about money

Resources:

*theme music by Donovan Dorrance

Using Money as the Final Filter with Jason Vitug Jun 16, 2021

Jason decided to save a few hundred dollars (even though he could more than afford it) back at the end of 2019 on flights to the Philippines to see his 97 year old grandmother and pushed the trip to the spring of 2020. Well, we all know what happened, a global pandemic and Jason never got to see his grandmother before she passed. He comes on the show to talk about the regret and raw emotions he feels about the financial decision he made that led to him not seeing his grandmother before her passing, why we need to use money as the final filter since so many of us default to savings, and how we can move beyond the question of survival once we have the financial means to do so.
For resources mentioned, head to http://beyondthedollar.co/99

Introducing Season 8 of Beyond The Dollar May 26, 2021

Join host Sarah Li-Cain as she previews stories and topics of humans who've navigated around life through the lens of money. Season 8 premiers June 16, with honest conversations and questions designed to get you to ask how you can trust yourself to better your relationship with money.

ENCORE: The True Cost of Sexual Trauma With Amanda Holden Apr 14, 2021

***ENCORE EPISODE***
Amanda Holden, founder and investing teacher at Invested Development came on to chat about her sexual assault while on a greyhound bus on the way to a work presentation, why she regrets not reporting the incident to the police, the real opportunity costs as it pertains to sexual trauma and some of the hard questions we need to think about when it happens to us.

Stick around to the end where I’m going to debrief our conversation and what we can all do to support each other during such trying times.

ENCORE: Adopting Kids Overseas With Andrew Wang Mar 31, 2021

***ENCORE EPISODE *** Andrew Wang shares the time he and his wife decided to adopt a child overseas. He shares the financial and emotional journey they went through, including why him and his wife decided to adopt overseas, how much time and money he spent through the entire process and challenges he didn’t anticipate.

Stick around to the end where I’m going to distill some takeaways from our conversation, including resources and questions to ask yourself before seeking an adoption agency.
For more information (including resources mentioned), go to http://beyondthedollar.co/58

Giving Up Alcohol With Friends of Beyond The Dollar Jan 20, 2021

This season finale looks at how alcohol affects your financial life (it's not what you think) and how giving up our vices offers us one of the biggest opportunities to learn about who we are and what we need to thrive. This episode features four people who come from seemingly different walks of life - J.D. Roth, Katie Holte, Marcus Garrett and Scott Maderer. While on the surface it seemed like the journey all four of them went on felt like worlds apart, the humanity they discovered in themselves, the lessons learned, and what it meant in their financial lives and beyond wasn’t all that different.
What You Hear in This Episode:

When all four noticed their relationship with alcohol wasn't healthy
How these four folks decided to give up alcohol
How much all four saved after not buyng alcohol
What the biggest lessons learned were
What your vices teach you about your financial life and beyond

Resources:

*theme music by Donovan Dorrance

Recovering from Addiction Within a Relationship With Brianne Davis-Gantt And Mark Gantt Jan 13, 2021

Brianne is a recovering love addict, and one of her beliefs was that her prince will come and take care of her - to the point where she would hoard her money instead of spending it. Mark, well he happily took on this role, even in the midst of his spending addiction. They both come on the show to talk about their individual addictions, how it affected their finances and what it really took for them to turn it around. Plus, the conversations they have now that their son is in the picture.
What You Hear in This Episode:

When both Brianne and Mark started treating their individual addictions
How both their addictions got themselves into a financial hot mess
How Brianne and Mark were able to get on the same page financially and the types of conversations they had to get there
What the biggest lesson they've learned since becoming parents
How they learned to help each other out despite battling their individual addictions

Resources:

*theme music by Donovan Dorrance

Managing Finances as an Orphaned Teen with Carter Colfield Jan 06, 2021

Doing internet searches can literally save your financial life. That's what happened to Carter. At 16, he was more concerned about where he was going to live, how to pay for college with no financial help from his parents, and the biggest one of all, grieving his parents who died within two years of each other. He talks about how his experience growing up in a dangerous neighborhood -South side of Chicago to be exact - plus his parents' deaths lit a fire under him to to get a better handle on his money and ultimately his life.
What You Hear in This Episode:

How Carter grew up and who he looked up to as a positive role model
Why Carter moved in with father after his parents separated
What happened the moment he found out his father died within two years of his mom
Why he's grateful for internet searches
What he hopes other learns about money and mindset

Resources:

*theme music by Donovan Dorrance

ENCORE: Forming a Supportive Mastermind Dec 30, 2020

ENCORE EPISODE: Host Sarah brought on her close friends and money mastermind group, Jackie Lam – an advocate for freelancers, Kate Dore, a Certified Financial Planner candidate, and Taylor Milam, and English teacher who freelances on the side. They chat about how they met, how they became so open to talking about money (both in their business and personal lives), and what they feel others can do when looking for a support system around their finances.

ENCORE: The Myth of Success Dec 23, 2020

Rich Jones and Marcus Garrett, hosts of the popular podcast Paychecks and Balances join me to chat about the differences between the idea of outward success and how it’s not always cracked up to be. We also get candid about our feelings on how others respond to our upbringings or our “advantages” in life and it’s merely our parents looking out for our best interest.

Don't Be a Burden on Your Kids with Rosemary Bointon Dec 16, 2020

Rosemary is a UK citizen who has lived in over 13 countries and retired in Portugal. She’s very well aware that there are lots of issues to worry about, like healthcare and contingency plans if something were to happen to her, and her children had to take care of her. She chats about talking about navigating estate planning challenges because her children are in one country and she’s in another. You'll also learn how you can prepare your finances so you're not a burden on your loved ones.
What You Hear in This Episode:

Why Rosemary's unique lifestyle may pose challenges in her estate planning
Why looking at currency and political fluctuations is important when retiring abroad
Why your legacy could mean someone giving up part of their financial life
How Rosemary intends on supporting her and her husband without relying on her children
What Rosemary wants people to know about the types of considerations to think about as you're aging

Resources:

*theme music by Donovan Dorrance

Releasing Your Inferiority Complex with Eugenie George Dec 09, 2020

Learning how an inferiority complex manifests itself into some negative behaviors when it comes to money. Eugenie George, author of Our Money Stories: A Six Week No B.S. Holistic Financial Wellness Plan comes on the show to talk about the time she ended up losing her job, her business and admitting the past trauma and cultural conditioning that got to where she was. She dives into what an inferiority complex really means, how she learned to trust herself, and values are so important when it comes to breaking the cycle.
What You Hear in This Episode:

Why Eugenie stopped certain business mentors online
What inferiority complex means and how it can manifest into your financial life
What happened when Eugenie ignored her feelings (hint: her body shut down)
Why people don't need to hit rock bottom to break the cycle
What Eugenie believes is necessary is order to break the cycle

Resources:

*theme music by Donovan Dorrance

Moving Out of a Gang Infested Neighborhood with Hazel Ortega Dec 02, 2020

Hazel comes on the show to talk about how she grew up in poverty in a gang infested neighborhood in LA. Yet despite experiencing trauma like seeing her best friend being killed at a bus stop, she went on to graduate high school (yes, even if it was at 30 years old) and becoming a multi-million dollar business owner.
What You Hear in This Episode:

What her mom and dad taugth Hazel that was positive in her life
Why Hazel thought it was normal to ditch school
What Hazel's mom taught her about being "safe" in her old neighborhood
How mentors helped Hazel graduate high school and secure a job
Why Hazel started her own business and what she wishes others know about achieving goals and dreams

Resources:

*theme music by Donovan Dorrance

How You Can Break The Cycle in Your Financial Life Nov 25, 2020

Breaking the cycle in your life isn’t supposed to be easy or fun all of the time. So let’s take a short break from the stories and do a recap - what does breaking the cycle mean? What are some ways to recognize your life isn’t working? What are some myths when it comes to breaking the cycle in your own life? And perhaps most importantly, what role does money play in all this?

What You Hear in This Episode:

What exactly does the term breaking the cycle means
Why it's ok to make changes even when things seem fine in your life
Myths around the concept of breaking the cycle
Why money is so important to helping make changes in your life
How you can start making much needed changes in your financial life
Why starting with the basics is key

Resources:

*theme music by Donovan Dorrance

Recovering From a Major House Fire with Jackie Lambert Nov 18, 2020

#91: One night, Jackie's house burnt down through a freak accident. Jackie and her husband had nowhere to go — thank goodness the firefighter staff called the Red Cross for them, got a few hundred dollars so they could go stay a hotel. She comes on the show to talk about the time her house burnt down and had to fight with the insurance company for eight months to pay her the full amount she was owed. She goes into detail who she hired, what she regrets not doing before buying a home insurance policy and what she’s most thankful for through this entire ordeal.

What You Hear in This Episode:

What exactly happened to Jackie and her husband on the night of the house fire
What incidents led to Jackie realizing her home insurance company wasn't on her side
Why she had to hire an third-party insurance professional to help her fight for her claim
How long it took for Jackie to get what she was owed
What Jackie's biggest learned was when it comes to choosing a homeowners insurance policy

Resources:

jaclynlambert.com/
Follow Jackie on Twitter
National Association of Insurance Commissioners (NAIC) complaint index
What happens when I file an insurance claim? - Consumer Financial Protection Bureau
6 things to know before you deal with a home insurance claims adjuster
How to communicate with your insurance company

*theme music by Donovan Dorrance

Speaking Up Against Workplace Harassment with Ashleigh Evans Nov 11, 2020

#90: Ashleigh recounts three incidents that happened before she left — two of them involved some form of sexual harassment , leading her to leave the Navy (and not necessarily in the best terms). Learn why she is thankful for her financial situation to help her cope with what had happened during her time in the Navy, what exactly happened, why she’s so thankful for a community that helped her get better with her finances, and whether or not she feels she’ll ever have closure over what had happened.
What You Hear in This Episode:

Why Ashleigh felt like she couldn't speak up at work, even in a more senior role in the Navy
What happened to Ashleigh that led her to transitioning out of the Navy
Why she had to defer her acceptance to Yale (hint: it wasn't necessarily by choice)
Why her friend ended up calling her to make sure she got the mental health assistance she needed
Why Ashleigh may never feel closure over what happened

Resources:

*theme music by Donovan Dorrance

Releasing Negative Societal Expectations on Kids with Miranda Marquit Nov 04, 2020

#89: Miranda reveals in detail how she shifted from parenting that focused on her worth as a mother to one that was the best for her son. She talks about how she was raised, what her tactics used to be when it came to raising her son, and how she deconstructed her beliefs and most importantly, her relationship with her son to parent in a way that enables him to reach his version of success.
What You Hear in This Episode:

How Miranda grew up and internalized certain beliefs about success
How she discovered she was basing her worth as a parent
Why Miranda believes your children don't owe us anything
How Miranda changed her relationship with her son
What she wants other parents to know about raising independent children

Resources:

*theme music by Donovan Dorrance

Losing $5.5 Million Dollars to Inheritance Theft with Emily Guy Birken Oct 28, 2020

Emily who, after her dad passed away (and was worth 5.5 million dollars) ended up fighting tooth and nail to ensure that her stepmother didn’t steal all of her and her sister's inheritance. Listen to find out why she was going to allow her stepmother to do whatever she wanted with her father’s estate until one incident which led her to saying “oh hell no!” She goes into detail about the legal battle, what was in the estate planning documents that allowed her stepmother to spend all that money and how Emily stopped feeling angry so she could finally grieve her father.
What You Hear in This Episode:

What happened so that Emily's stepmother was able to dip into the money housed in her father's trust
Why Emily was going to let it go until one incident with your stepmother led her to fight for her rights
How much Emily spent on legal fees
How long it took Emily and her sister to come to an "agreement"
Why Emily settled for less than what was "owed"

Resources:

*theme music by Donovan Dorrance

Financial Risks (and Beyond) When Breaking The Cycle with Cait Flanders Oct 21, 2020

Taking a different path in life is hard - but how do you do it without "ruining" your financial life? How can you take these sorts risks when everyone else around you doesn't understand (and let's be honest, aren't supportive)?

Cait Flanders, bestselling author of The Year of Less and her latest book Adventures in Opting Out comes on the show to talk about making why changes in our lives that are so scary, how can we navigate changes if nobody else is supportive, and even what if we *gasp* fail.
Resources:

*theme music by Donovan Dorrance

Introducing Season 7 of Beyond The Dollar Oct 07, 2020

No doubt 2020 has been a wild ride. Join host Sarah Li-Cain as she previews stories of those who were able to break the cycle in their own lives, both financial and beyond. Season 7 premiers October 21, with honest conversations all around "breaking the cycle" from humans just like you. Subscribe for free for updates.
*theme music by Donovan Dorrance

BONUS: Your Financial Legacy Sep 16, 2020

Yup, we're talking about your legacy - both financial and beyond. What does that even mean, and why is it so important to think about it right now, or no matter how young or old you are? And what does legacy have to do with “breaking the cycle” of harmful financial or other forms of behavior for yourself and those around you?
What You Hear in This Episode:

Why the popular or "conventional" way of thinking about money mindset is problematic
How positive thinking can get you into trouble
How to think of money mindset as a shift in perspective
Examples of how a different perspective helps in your financial life /
4.5 questions to help you better your money mindset

Resources:

*theme music by Donovan Dorrance

BONUS: A More Practical Take on Money Mindset Aug 26, 2020

This bonus episode explores why the conventional way of thinking about the concept of money mindset is problematic. Like, what does money mindset even mean and can it help us rake in the dough or solve all our money problems? Let’s tackle this, including why money mindsets as the only solution is problematic, and how we can approach it in a more nuanced and effective manner.
What You Hear in This Episode:

Why the popular or "conventional" way of thinking about money mindset is problematic
How positive thinking can get you into trouble
How to think of money mindset as a shift in perspective
Examples of how a different perspective helps in your financial life /
4.5 questions to help you better your money mindset

*theme music by Donovan Dorrance

BONUS: Cultivating Self-Trust in Your Financial Life Aug 12, 2020

#84: What does self-trust have to do with your financial life? This episode will show you some specifics and offer some guiding questions to help you make some small steps to trust yourself to make the best choices in your financial life.

What You Hear in This Episode:

Why self-trust really helps you decision making in your financial life
What it means when you ask others for help or guidance
The myth of how self-trust automatically equals making the best choices
Guiding questions on how to cultivate self-trust in with your money

Resources:

Adventures in Opting Out - Cait's Latest book
Cait Flander's Website
The Year of Less: How I Stopped Shopping, Gave Away My Belongings, and Discovered Life is Worth More Than Anything You Can Buy in a Store
Follow Cait in Instagram

*theme music by Donovan Dorrance

BONUS: Giving Money Advice Jul 29, 2020

Giving money advice is touchy territory, but should you do it? As in, if you see a friend or family member enacting behaviors that look like they’re sabotaging their financial life,should you intervene? What about if someone is directly asking you for advice? If so, how can you approach it in a way that doesn’t end up in disaster?
What You Hear in This Episode:

What happens when you offer suggestions and it comes across as unsolicited advice
What it means when you check both you and the other person's intention around advice giving
Why accountability is a great alternative to giving advice
How to create boundaries around money advice

Music by Donovan Dorrance

Managing Insurmountable Debt While Sick with Sarah Potter Jul 01, 2020

Sarah Potter comes on the season finale to talk about the time she she had to pay half her salary in medical bills, and how long it took for her to finally get a diagnosis for her debilitating illness. She also talks about why she married her now husband (it does have to do with love, but money was also involved), the shame she felt over her financial situation and why “safe” is her word of the year as it relates to her finances.
What You Hear in This Episode:

How many medical tests and months it finally took for Sarah to get a real medical diagnosis
Why she believes her body gave out after dealing with an an abusive ex-husband, a special needs child and managing a business as a single mom
How her and her how husband are tackling her insurmountable debt (and which types)
What Sarah is doing to feel safe around her finances

Resources:

*theme music by Donovan Dorrance

Grieving a Stillborn Child with Winter Redd Jun 24, 2020

Winter Redd, host of the podcast Still A Part of Us, comes on the show to talk about how one year ago she and her husband had to bury their stillborn child. She goes into detail about what the costs were - both at the hospital and for the funeral - the grieving process, and how the power of community was the saving grace during such a trying time.

What You Hear in This Episode:

How far along Winter was in her pregnancy when she couldn't feel her son's heartbeat
What she had to pay in medical costs and funeral bills
How a stranger changed how she viewed using money to help her community
How Winter wants to remember her son Brannan and the legacy she wants to leave to the world

Resources:

The Little Love Foundation (financial assistance for families who need funeral arrangements)
From diagnostics to autopsy to burial, stillbirths are alarmingly expensive in America
Hospital Costs Associated with Stillbirth Delivery

*theme music by Donovan Dorrance

Quitting a Toxic Work Situation with Michelle Jackson Jun 17, 2020

Michelle Jackson comes on the show to talk about the time she quit her extremely stable job without a backup plan and bought a one way ticket to Australia to recuperate from job related stress. She talks about how she managed to still pay off — get this— over 30 different debt accounts, how she found work afterwards, and the one question she asked herself before making such a drastic life change.
What You Hear in This Episode:

What exactly are values and how they relate to your financial life
How the same values can play out differently for different people
How to budget using your values in during leaner times
Why financial experts aren't all they're cracked up to be

Resources:

*theme music by Donovan Dorrance

Why Values Are So Important to Money Jun 10, 2020

This week’s episode is all about why your values with your finances are more important than ever. Using values as way to guide your financial life is going to help you, whether you’re coming to grips with your current money situation or your bank account is stuffed to the max.
What You'll Hear in This Episode:

What exactly are values and how they relate to your financial life
How the same values can play out differently for different people
How to budget using your values in during leaner times
Why financial experts aren't all they're cracked up to be

*theme music by Donovan Dorrance

Financial Costs of Coming Out with Cait Howerton May 27, 2020

Cait Howerton, financial counselor and coach, comes on the show to talk about the time she left for college and her parents finding out she’s a lesbian. She chats about how she was still able to afford college, what the true costs were for her after she came out, and how her money relationship has changed since fully becoming part of the LGBTQ community.
What You Hear in This Episode:

Why Cait didn't feel comfortable talking to her parents about her sexuality growing up
What happened when she came out and not by choice
What some of the opportunity costs are even though Cait is financially stable
What it really cost her to move away from home
How Cait reconciled with her parents, although their relationship isn't the same as before

Resources:

*theme music by Donovan Dorrance

Removing Money From Your Self Worth May 20, 2020

This week’s episode is all about removing your self worth from your net worth. As in, you’re still a person of value whether or not you have a lot of money or earning power. In general, society teaches us that we need to constantly produce or have proof of wealth in order for us to feel good about ourselves. So let’s dig a little bit deeper about what this means and how can we start to remove our financial situation from our self worth.
What You Hear in This Episode:

What exactly is self worth and how that ties into our financial life
Why social media isn't the source of all our problems
What happens when we use money to measure our sense of self
Tools to start removing self worth from your net worth

*theme music by Donovan Dorrance

Mormonism, Money & Motherhood With Elyssa Kirkham May 13, 2020

Elyssa Kirham speaks about the conflict she felt as a member of the Mormon church when it came to becoming financially secure. She talks about how growing up, she was taught being a mom is her only goal in life, why wanting to work is frowned upon, the conflict she felt at wanting her own version of financial freedom, and why it’s OK for moms to want something for themselves.
What You Hear in This Episode:

Why Elyssa had a fatalist approach when it came to her working life
The conflict she experienced growing up seeing her mother work at a young age
Why it’s unusual that she decided to graduate early from college
How Elyssa found a community of similar women
How Elyssa’s views on money has changed since leaving the Mormon church

Resources:

*theme music by Donovan Dorrance

Tackling Emotional Spending May 06, 2020

We're talking about *cue dramatic music* emotional spending. Whether you’ve had a bad day at work, or you’re just feeling down for whatever reason, some of us, myself included, turn to retail therapy. Let’s talk about the good and bad parts of emotional spending are, some practical ways to deal with it and forgive yourself for past mistakes.
What You Hear in This Episode:

What does emotional spending even mean, and why it's not always negative
Using short term solutions to get you to stop spending
What is important long term to curb emotional spending
Why novelty and pattern interrupts are crucial to help assess your spending habits
How Sarah spent $500 in one month on junk food

*theme music by Donovan Dorrance

Adopting Through the Foster Care System With Melissa Becker Apr 29, 2020

Melissa Becker talks about her experience adopting four children - two from the foster care system and two through private agencies. She chats about how much she spent in total (we’re talking about tens of thousands of dollars just on lawyers fees alone), her mental health during that time, and what she’s most thankful for throughout the whole process.
What You Hear in This Episode:

Why Melissa decided to adopt
Why Melissa had to go to court after adopting her first child, and what it cost her
What went through Melissa’s mind when she had to deal with mountains of paperwork
Her thoughts on private adoption agencies and why she went that route even though she would rather adopt through the foster care system
Why she started looking into grants and the frustrating process when asking for money
What it felt like to meet her children for the first time
What Melissa would say to some who is interested in adoption

Resources:

Email Melissa about adoption at resolvemedlegal@msn.com (mention you heard her on this podcast!)
Gift of Adoption
Adopting From Foster Care: Clarifying The Misconceptions To Build A Loving Home
Understanding trauma
How to Adopt: State Adoption Info

*theme music by Donovan Dorrance

Feeling Those Feelings Around Money Apr 22, 2020

Host Sarah Li Cain talks about the overwhelming emotions you may currently be experiencing. Believe it or not, it might actually be grief - it’s a lot more complicated than you may think. She chats about how grief can manifest in different ways in your financial life when you’re experience a major change. Learn what it means to process your emotions, why it’s ok to do what you need to do to take care of yourself, stop thinking you’re failing, and why community is more important than ever.
What You Hear in This Episode:

Why those negative feelings around money may be a form of grief
How grief can manifest into negative financial behaviors
Why it's important and crucial to feel those feelings around money, without judgement
How you can work through your feelings of grief around your finances
How you can cultivate a sense of community to help you become more resilient

Resources:

That Discomfort You’re Feeling Is Grief

*theme music by Donovan Dorrance

Uncoupling Your Finances with Nicole Antoinette Apr 15, 2020

Nicole Antoinette, host of Real Talk Radio, comes on the show to talk about her experience going through the uncoupling process, where her and her ex sat down with homemade vegan pizza while mapping out how they were going to divide their assets on a Google spreadsheet.. We go over why navigating paperwork was fairly messy even though what they went through was Nicole calls the “easy version” of divorice (*hint* it had to do with the house). She also chats about some of her concerns post-divorce, her reason for embracing the van life for now and her hopes moving forward.
What You Hear in This Episode:

Why Nicole and her ex decided to separate
What were some of the first conversations after agreeing to a divorce
How open Nicole was talking about money
How it was both easy and hard for Nicole to uncouple her finances
What prompted her decision to move into a van
What Nicole is still trying to figure out as far as her finances go

Resources:

*theme music by Donovan Dorrance

Resiliency & Finances Part 2 Apr 08, 2020

#71: This is another mid-season bonus episode which continues on the theme of resiliency. Host Sarah Li-Cain looks back at some past episodes from the amazing guests we’ve had on the show so far. That includes Aneesa, who goes by the name Expat Panda, with her story about the time she couldn’t transfer money back to her home country. And Pete McPherson, who moved to a different town and ended up losing a regular source of income or three years. And Beau, who declared bankruptcy because of his gambling debt.
Resources:

*theme music by Donovan Dorrance

Resiliency & Finances Ft. Friends of Beyond The Dollar Apr 01, 2020

#70: This mid-season special bonus episode talks about the theme of resiliency and how that can translate to your financial life. I’ve invited a few friends of the podcast to come on to chat how they’ve moved through adversity in their financial lives and some lessons we can all learn from them.
Resources:

*theme music by Donovan Dorrance

Building Resiliency (and a Practical Money Resource) Mar 25, 2020

Different than our usual format, Sarah talks about what it means to be resilient as a human in terms of your financial and overall life. She shares an example of a time she worked through a financial crisis in her life and introduces you to her friend Jennifer Hemphill of the Her Dinero Matters podcast.
For more, head to http://beyondthedollar.co
*theme music by Donovan Dorrance

Financial Realities of a Former Pastor with Clint Proctor Mar 18, 2020

#69: Clint Proctor, a former pastor, comes on the show to talk about how he and his wife lived on less than $30,000 a year and were still able to meet many of their financial goals. He also shares the emotional realities of the pressure he felt trying to balance a budget and his insecurities when his livelihood was dependent, in his own words “on people making charitable donations.”
Resources:

*theme music by Donovan Dorrance

Navigating Toxic Workplaces with Andie Kramer and Al Harris Mar 11, 2020

Andie Kramer and Al Harris, author of “It’s Not You, It’s the Workplace” chat about why traditional corporate workplaces don’t normally offer a work/home integration, why women feel like it’s a zero sum game when climbing the ranks, why it might be your fault when it comes to working alongside colleagues, and how we can be a better advocate for all in the working world.

Stick around to the end where I’m going to distill takeaways from your conversation including statistics about why the gender gap exists and some practical questions we can all have a better time at work.

Resources:

*theme music by Donovan Dorrance

Family Expectations in Career Choices With Michelle of Savvy History Mar 04, 2020

Michelle from the website Savvy History is a history teacher by day and musician by night. She talks about her upbringing and why academics and music are so intertwined in her life, why her husband decided to leave the music business and how they managed to make their finances work while figuring out their life path. Plus the one thing Michelle’s most grateful for throughout this entire journey.

Stick around to the end of the episode where you’ll learn some takeaways about why you don’t need to monetize your passion or hobby.

Resources:

*theme music by Donovan Dorrance

Buying a Home in Poverty With Charis Hill Feb 26, 2020

Charis Hill is a professionally disabled writer, speaker and model living with Ankylosing Spondylitis (AS), Major Depressive Disorder, Anxiety and Post-Traumatic Stress Disorder. Charis talks about how they have to rely on food stamps and Medicare while living on $12,000 a year, why they had to do things like keep cash on hand when going through the homebuying process, and why Charis feels lucky despite the many systemic barriers stacked against them.

Stick around to the end of the episode where I’ll distill some takeaways including some insights into the housing situation for lower income residents in the U.S.

Resources:

*theme music by Donovan Dorrance

Ignoring Student Loan Debt With Adam Kol Feb 19, 2020

Adam Kol comes on the show to chat about why and how he’s chosen to "ignore" his $350,000 student debt, how he feels about it from a logistical and emotional point of view and why his strategies might change if he’s in a serious relationship. He is a couples financial counselor who draws on over a decade of experience as a Certified Mediator, relationship coach, financial advisor, and a former tax attorney.

Resources:

*theme music by Donovan Dorrance

Introducing Season 6 of Beyond The Dollar Feb 05, 2020

Join host Sarah Li-Cain as she previews topics for season 6 of Beyond The Dollar, with more honest conversations about how money affects your well-being from humans, just like you, coming February 19th. Subscribe for updates.

BONUS: Figuring Out Your "Enough" Number Jan 22, 2020

This bonus episode will explore the concept of having “enough” in your life and how that can affect your financial life. It’ll also explore what happens when you’re not clear on what your version looks like (hint: it sucks big time) and what some of our fears are around reaching “enough.” Listen to the end of the episode where you’ll learn a simple guideline to figuring out your enough number.

BONUS: Using Core Values in Your Spending Jan 08, 2020

I updated my values based spending guide with more juicy questions to dive into your relationship with money, so I thought why not guide you through it in today’s bonus episode! Grab the free guide (including some simple worksheets) so you can be a total badass with your money.

You can use this process once a year (or as often as you like) to see if you’re on the right track. Since y’all are wondering what to do after you discover your values, there are a few questions that help address that in the guide.

BONUS: Navigating Tricky Money Conversations Dec 18, 2019

This bonus episode will cover navigating tricky conversations about money with those around you. It'll be looking back on two episodes from season 6 (one about talking to your parents and another about negotiating with your boss) to talk about a simple framework you can use to navigate tricky conversations.

A 69 Year Old’s Financial Regrets With John Morrow Dec 04, 2019

John Morrow, a 69 year old retiree from Lakeland, Florida, comes on the show to chat about his financial regrets - including the fact that he’s now relying on a tiny pension and meager Social Security benefits after squandering his 401k funds on multi level marketing companies.

He chats about what it means to live at the U.S. poverty level since his wife passed, the biggest financial regrets he’s had, what he’s doing to take responsibility for his actions now and what he wishes the younger generation learns from his story.

Overcoming Gambling Addiction with Beau Humphreys Nov 27, 2019

Beau Humphreys comes on the show to chat about how he started gambling at a young age, became addicted as an adult, why he used gambling as a coping mechanism for his undiagnosed ADD, why he felt like he had to file for bankruptcy, when his last relapse happened and how he's been doing since that time.
Resources:

The True Cost of Sexual Trauma With Amanda Holden Nov 20, 2019

Amanda Holden, founder and investing teacher at Invested Development came on to chat about her sexual assault while on a greyhound bus on the way to a work presentation, why she regrets not reporting the incident to the police, the real opportunity costs as it pertains to sexual trauma and some of the hard questions we need to think about when it happens to us.

Stick around to the end where I’m going to debrief our conversation and what we can all do to support each other during such trying times.

What You Hear in This Episode:

Why victims feel like we have the weight of responsibility to not inconvenience others, and how it affects our ability to make money
Why Amanda was upset she didn’t report the incident to the police
Other ways sexual trauma can affect our work lives and ability to manage our money
How the aftermath of sexual trauma can lead us to spend more money
What Amanda feels we need to do if we experience traumatic events

Questions to Ponder:

What can you do to budget in ways to make you feel safer when traveling or navigating a toxic environment?
What are some ways you can do to allow yourself to process emotions in a healthy way?

Resources:

Adopting Kids Overseas With Andrew Wang Nov 13, 2019

Starting a family is hard enough - you need to think about stuff like additional health care premiums, parental leave and buying all the things like pregnancy pillows (those things are lifesavers).

Andrew Wang and his wife decided to adopt a child overseas. While it’s about the money — yes, adoption can be expensive — it was about the emotional toll it can take on someone. Andrew comes on the show to chat about why him and his wife decided to adopt overseas, how much time and money he spent through the entire process and challenges he didn’t anticipate.

Stick around to the end where I’m going to distill some takeaways from our conversation, including resources and questions to ask yourself before seeking an adoption agency.
What You Hear in This Episode:

The exact reason why Andrew and his wife decided to adopt overseas
What it cost to adopt their child from Taiwan
How they found out how the adoption process worked and the types of help available
The emotional rollercoaster him and his wife went on when it came to the wait
What it felt like to hold his child for the first time

Questions to Ponder:

Are you looking to adopt domestically or overseas? Why?
Do you have money set aside to adopt? If not, what kinds of grants are available to you?

Resources:

Long-Term Travel With Your Partner with Garrett Philbin Nov 06, 2019

What would you when someone you started dating suggests a trip together? Not a two-day getaway or a week to Cancun. But a 7 month road trip.

True story by the way. Garrett was dating Amelia for all of two months when they suggest this — they wanted to be an enclosed space so there’s nowhere to go but to work on their stuff as a couple.

Well, Garrett and Amelia did go on the road trip. He chats with me about how him and Amelia managed their finances on the road, some tough lessons as they learned to communicate as a couple and why they decided to end their trip early.

If his voice sounds familiar, it’s because Garrett is the former co-host of Beyond The Dollar throughout seasons 1 to 3

Stick around to the end where I’m going to take what Garrett learned on his trip and how you can use it to strengthen your finances as a couple.

What You Hear in This Episode:

Why Amelia and Garrett decided to embark on a seven month road trip together
How they worked out their income situation and budget
What crept up when it came to money management and communication skills while on the road
What Garrett learned about himself and his tendencies with money during the trip
Why Amelia and Garrett decided to end their trip early
Garrett’s hopes for the future

Questions to Ponder:

How can you open up the lines of communication about money?
What’s one thing you do in regards to money that really annoys your partner and vice versa?
How can you start expressing your wants in a relationship?

Resources:

Buying a Fixer Upper With Bethany and Charles Oct 30, 2019

Think homeownership is out of reach for you?

Well, there are these types of properties called fixer uppers you can look into. They’re typically older homes and have outdated decor - you know, think 70s paneling and shag carpeting (no offense if you like that stuff)

Anyway, you get the house, replace the carpet, slap on some paint. And you’re done...right?

Not so fast. Bethany and her partner Charles from HisandHerFI.com relied mostly on Youtube videos to do much of the renovations themselves for their new home. The arbitrary budget of $10,000 they set? Yup, they totally went over.

Join me in this episode as we chat about why they decided to buy a fixer upper (despite the foul smells), why their renovations aren’t what you’d see on HGTV and how much money they really spent. We also go over how much money they saved buying a fixer upper and some of the lessons they’ve learned next time they try to tackle a huge project like this.

Stick around to the end where I’m going to show you how you can make housing more affordable, especially if you’re interested in buying a fixer upper (no white hair I promise)

What You Hear in This Episode:

Why Bethany and Charlies decided to buy a fixer upper and what Charles had to do to convince her
How much they really spent on the renovations
What projects they decided to DIY and which they ended up having to hire
Some of the many mishaps and badass moments when it came to their renovations

Questions to Ponder:

What is your comfort level with doing renovations and cleaning for an older home?
Have you sought out the advice of a licensed contractor for estimates and quotes?
Will you really save money by buying a fixer upper, or will you be better off renting for the time being?

Resources:

*Thanks to Donovan Dorrance for the awesome theme music

Surviving on Zero Income with Pete McPherson Oct 23, 2019

Pete comes on the show to chat about the exact moment why he decided to leave his CPA job and move to a new town with his wife, why his plans to take on a new job totally failed (resulting in no income source for three years), and what the unsexy things he and his wife did to get back on track.

What You'll Hear in This Episode:

The reason Pete decided he wanted to quit his CPA job (hint: it involves passing off his kid to his wife at a gas station)
Why Pete’s best laid plans didn’t work out
How Pete managed to survive on no official income sources for three years
What he did to get some immediate cash flow in his then side hustle
What Pete wishes he did differently before he quit his job

Questions to Ponder:

Can you find $5 here and there to start a buffer savings account or an emergency fund?
If you want to make a transition and it will affect your finances in a big way, what plans can you make for the worst case scenario?

Resources:

*Thanks to Donovan Dorrance for the awesome theme music

Keep Sane Pursuing Early Retirement with Gwen Merz Oct 16, 2019

Gwen Merz, blogger at Fiery Millennials, came on the show to chat about the time when she got caught up working almost obsessively at accumulating mass amounts of wealth to retire early. She describes in detail how it affected her sanity when she saved up to 70% of her take home pay, and some of the hard lessons she learned. We also go into whether or not she regrets what she did and if she would recommend someone do the same things she did.

What You'll Hear in This Episode:

Gwen’s crazy savings rate and how she felt when she fell into the comparison trap
The multiple ways Gwen did to earn side hustle income
Her breaking point which led her to stop aggressively pursuing FIRE
What she’s doing now to take care of her mental health
Why Gwen doesn’t regret going hard and fast to pursue early retirement
What her best financial decision was

Questions to Ponder:

How can you pursue a form of early retirement that won’t come at the expense of your mental health?
What can you do now to feel like you’re retired?

Resources:

Fiery Millennials
The Basics of FIRE (Financial Independence and Early Retirement)
Fincon - where we met

*Thanks to Donovan Dorrance for the awesome theme music

Stress-Free Investing with Michelle Waymire Oct 09, 2019

Michelle Waymire, founder of Young + Scrappy, a specialty practice chats about some of the ways our brain is wired to work against us when it comes to investing, how we can get out of our way and being empathetic to yourself even if you’ve made mistakes in the past.

What You Hear in This Episode:

The main difference between saving and investing
What the underlying fear is around getting good with investing
Mistakes Michelle has made when it came to her old 401k account
What you can do before looking at your investing statements
How someone can approach learning about investing
How someone can commit to investing
Tips and tricks to overcome the fear of investing your cash

Questions to Ponder:

What do you think you’re really scared of when it comes to investing?
What can you commit to when it comes to one small action to do with investing?
What’s one hard thing you did that is even harder than investing?

Resources:

*Thanks to Donovan Dorrance for the awesome theme music

Negotiating Like a Badass with Tori Dunlap Oct 02, 2019

Tori Dunlap, founder of Her First $100k chats about how to approach negotiations from a mindset standpoint, why using some online resources can backfire on you when determining salary and small tips on how to boost your confidence when negotiating.
What You Hear in This Episode:

Why Tori feels she needs to fight back over sexist comments she used to hear at her old job
What the common myths around negotiation are and how we can approach it as a conversation
Other ways negotiation can affect your work and personal life
How you can start flexing your negotiation muscles
Why salary databases like Glassdoor aren’t always accurate when it comes to helping you negotiate for more

Questions to Ponder:

What you do in your daily life to practice your negotiating muscles?
What will you put in your “brag binder” to psych yourself up at how valuable your skills are?

Resources:

*Thanks to Donovan Dorrance for the awesome theme music

Having "The Talk" With Your Parents With Cameron Huddleston Sep 25, 2019

Cameron is an award-winning journalist and author of Mom and Dad, We Need to Talk: How to Have Essential Conversations With Your Parents About Their Finances. We chat about her experience becoming the power of attorney of her mom’s finances, how you can approach talking with your parents about how they’re going to handle their golden years all the way to the nitty gritty of the paperwork involved.

What You Hear in This Episode:

Why Cameron was hesitant to talk to her mom initially about her finances
How Cameron approached the conversation about estate planning and power of attorney with her mom (and suggests you do the same)
What the consequences are if you don’t approach your parents about their finances
How to start the conversation (hint: it has nothing to do with the numbers)
Where you can find resources and help to write a will, healthcare directives and power of attorney

Questions to Ponder:

How can you start the conversation about money with your parents?
When can you schedule a meeting with your siblings before you approach your parents?

Resources:

*Thanks to Donovan Dorrance for the awesome theme music

Be a Financial Weirdo with Jason Zook Sep 18, 2019

Jason Zook is a self-described unconventional entrepreneur (come on, he got paid to wear t-shirts at one point) who chats about how comparison and not understanding our core values can lead to working the bone to earn more (or whatever people define as “success” in their financial life) and why having an “enough” number is essential for your well being.

What You Hear in This Episode:

Why Jason decided to lean into his weird personality in his business and life
What happened when he went all in to “hustle porn” and working 24/7
Challenges he’s dealing with when it comes to his new business ventures
Why Jason believes in doing your own thing when it comes to money and life
What is an “enough” number and why Jason believes we should all strive for it

Questions to Ponder:

What is your “enough” number?

Resources:

*Thanks to Donovan Dorrance for the awesome theme music

Using Creativity to Boost Your Income with Grace Chon May 29, 2019

Grace Chon is a commercial pet photographer who worked for big brands such as Purina and Tinder. We chat about her money story and upbringing as an Asian female, and why we need to stop hiding from the fact that creativity isn’t for everyone - it’s not just about creating art - and how we can cultivate this skill in all professions to help improve our bottom line.

What You Hear in This Episode:

How Grace Chon got into commercial pet photography and turned it into a wildly profitable business
What Grace Chon learned about money growing up with immigrant parents
Why it's not necessary to monetize your creativity
Why Grace believes that everyone is creative and can cultivate their skills to earn money to do what they love

Questions to Ponder:

What are some ways you can hone in on your skills whether you believe it's related to what you do, to improve what you do at your job or career?

Resources:

*Thanks to Donovan Dorrance for the awesome theme music

Utilizing Financial Therapy with Lindsay Bryan-Podvin May 22, 2019

Lindsay Bryan-Podvin is a practicing financial therapist in the Midwest.
We chat about why someone would want to go into financial therapy, common stressors about money and how to use your body to understand what’s going in your financial life.

This episode is brought to you by Fabric, a one-stop shop to organize your family's financial life. They have a few neat features: Fabric Wills and Fabric Vault a free and easy way to share financial information with each other. To find out more and get started by creating a free account for both Fabric Wills and Fabric Vault, head to https://www.meetfabric.com

What You Hear in This Episode:

Why Lindsay decided to transition into financial therapy
How individuals and couples can navigate boundaries to better their financial situations
How anyone can tune into their body to uncover issues around money
What the differences are between a financial therapist, money coach and financial planner are
What is really happening under the surface when couples argue about money

Questions to Ponder:

Can you identify the sorts of challenges you want to work through in our financial so that you know which professional to ask?

Resources:

*Thanks to Donovan Dorrance for the awesome theme music

Life as a South African Teacher Abroad with Aneesa May 15, 2019

Aneesa who’s better known as Expat Panda, is a South African teacher who’s been living and traveling overseas. We chat about her journey into becoming an expat teacher and what’s it been like experiencing different cultures. We also dive deep into the many challenges of living and working in another country as well as how you can prepare both emotionally and financially if you’re considering working overseas.

This episode is brought to you by Fabric, a one-stop shop to organize your family's financial life. They have a few neat features: Fabric Wills and Fabric Vault a free and easy way to share financial information with each other. To find out more and get started by creating a free account for both Fabric Wills and Fabric Vault, head to https://www.meetfabric.com

What You Hear in This Episode:

How and why Aneesa decided to teach overseas
How Aneesa navigates finances as an expat overseas
How being an expat can give you more opportunities to travel
What Aneesa faced as challenges and setbacks as a expat
What Anessa feels is one of the biggest misconceptions of being an expat
What Aneesa wants people to know if they're considering moving overseas

Questions to Ponder:

If you’re considering traveling, why?
Are you willing to get out of your comfort zone? What are some ways you can test your tolerance for unknown situations in small doses?
If you’re ready to go overseas, what’s your plan for saving enough money or in case it doesn't’ work out in the new country?

Resources:

*Thanks to Donovan Dorrance for the awesome theme music

Infertility and Finances with Andrea Woroch May 08, 2019

I chat with Andrea Woroch, a nationally recognized consumer and money saving expert who’s appeared in places like NBC's Today Show, Dr. OZ, Good Morning America, FOX & Friends, MSNBC, CNN, ABC News with Diane Sawyer. We chat about her story of going through infertility treatments and how she had to advocate for herself when it came to her health insurance company. We also dive into what someone can do to when it comes to the emotions of working through infertility and how to manage your finances during this time.
What You Hear in This Episode:

What led Andrea and her husband to go through with fertility treatments
A breakdown of the costs and how complicated it was to deal with their health insurance
What emotional experiences her and her husband went through
How people can “afford” these treatments. Is it something that can make people broke?
What people can say or do for those going through this experience

Questions to Ponder:

What can you do to prepare for a big life transition?
What can you learn about your health insurance policy today than can help you in the future?

*remember, let me know in the comments below your answers! If you’re a social media person, come find me on Instagram (@beyondthedollar) and send me a DM or comment on any one of my posts. I read every single one!

Resources:

This episode is brought to you by Fabric, a one-stop shop to organize your family's financial life. They have a few neat features: Fabric Wills and Fabric Vault a free and easy way to share financial information with each other. To find out more and get started by creating a free account for both Fabric Wills and Fabric Vault, head to https://www.meetfabric.com/

*Thanks to Donovan Dorrance for the awesome theme music

Giving Yourself Permission May 01, 2019

It's just me, Sarah today chatting with you about what it really means to give yourself in your financial life and beyond. I share a candid view about what's going in my financial life and what happens when I didn't give myself permission.

This episode is brought to you by Fabric, a one-stop shop to organize your family's financial life. They have a few neat features: Fabric Wills and Fabric Vault a free and easy way to share financial information with each other. To find out more and get started by creating a free account for both Fabric Wills and Fabric Vault, head to https://try.meetfabric.com/beyond

Striving for “Enough” with Sarah Von Bargen Apr 24, 2019

Sarah von Bargen founder of Yes and Yes, chats about the idea of having “enough” when it comes to our financial and by extension our entire lives. She also goes into how understanding this concept of enough frees us in so many ways and how to start asking honest questions to figure out what “enoughness” is in our lives.
What You Hear in This Episode:

How Sarah knows when she has enough in her life
Why Sarah feels that society pressures us to want more in our lives and money
How we can tell if we simply have enough or we really want to strive for more but we're just scared
How we can use this place of "enoughness" to make better financial decisions
Money mistakes Sarah's made (I offer some doozies as well!)

Questions to Ponder:

How do you know when you’ve reached “enough” in your financial life?

*remember, let me know in the comments below your answers! If you’re a social media person, come find me on Instagram (@beyondthedollar) and send me a DM or comment on any one of my posts. I read every single one!

Resources:

*Thanks to Donovan Dorrance for the awesome theme music

This episode is brought to you by Fabric, a one-stop shop to organize your family's financial life. They have a few neat features: Fabric Wills and Fabric Vault a free and easy way to share financial information with each other. To find out more and get started by creating a free account for both Fabric Wills and Fabric Vault, head to https://www.meetfabric.com

Balancing Family With a Side Hustle Apr 17, 2019

Marc, the founder of VitalDollar.com comes on to chat about about how to balance a growing side hustle, career and a relationship. He gets candid about his journey to self-employment while married, the types of conversations he had to have with his wife so they were both on the same page, and what’s changed since they have kids.
What You Hear in This Episode:

The turning point when Marc decided he wanted to work for himself
What kinds of conversations Marc had with his wife as he transitioned into self-employment
The downsides of trying to juggle self-employment, side hustling while being there for a family
How Marc has learned to maintain his work schedule by having honest conversations with his wife

Questions to Ponder:

What’s one conversation you can have with your partner today that will move you toward your financial and life goals? How will you start the conversation?

Resources:

*Thanks to Donovan Dorrance for the awesome theme music

This episode is brought to you by Fabric, a one-stop shop to organize your family's financial life. They have a few neat features: Fabric Wills and Fabric Vault a free and easy way to share financial information with each other. To find out more and get started by creating a free account for both Fabric Wills and Fabric Vault, head to https://try.meetfabric.com/beyond

The Myth of Success with Paychecks & Balances Apr 10, 2019

Rich Jones and Marcus Garrett, hosts of the popular podcast Paychecks and Balances join me in this episode. We chat about the differences between the idea of outward success and how it’s not always cracked up to be. We also get candid about our feelings on how others respond to our upbringings or our “advantages” in life and it’s merely our parents looking out for our best interest.

What You Hear in This Episode:

What Rich and Marcus felt like growing up, being perceived as more “successful” compared to others
How their experiences affect how they talk about money or interact with other people IRL when it comes to money
The idea of “success” and feeling like it’s less acceptable to talk about the struggle to get to where both Rich and Marcus are
How they’ve both found gratitude and non-judgement in their situations

Questions to Ponder:

What are you grateful for?
What’s one hardship you went through and in retrospect helped you thrive in your financial situation?

Resources:

Paychecks and Balances

*Thanks to Donovan Dorrance for the awesome theme music

How to talk to Friends About Money with Joel and Matt Apr 03, 2019

In this episode, I chat with Joel and Matt, hosts of the How To Money Podcast. We go into how they became close friends -sharing their life and intimate details about their financial life. We discuss why it’s so crucial to find people around you that you can trust to have these emotional conversations about money, what to share and not share when first talking about money, and where to go find support systems even when you feel like you don’t have any.

What You Hear in This Episode:

Why Joel and Matt still feel that money is still more taboo
How they’ve opened up or started conversations with friends
How does hanging out with people help you with your financial habits
How Joel and Matt have made talking about money fun
How their friendship helped each other in their financial lives
Is it possible to get FOMO when NOT talking about finances?
What Joel and Matt recommend when someone is nervous how can they start conversations about money without “rocking the boat?”

Resources:

How to Money podcast

Questions to Ponder:

What is your current priority when it comes to your financial life, and who can you approach so you can share this, thereby starting a support system around your money?
How can you start talking about money just by sharing your life goals or interest?

*Thanks to Donovan Dorrance for the awesome theme music

Grieving a Spouse with Daniel Knopp Mar 27, 2019

Daniel Knopp is a fee-only financial planner and founder of Wise Stewardship Financial Planning where he works to help young widowed spouses as well as service members get their financial lives in order by aligning their values with their money. We chat about how he went through the grieving process when his wife suddenly became ill when he was in active duty as an Air Battle Manager. We chat about the finances involved and why he’s thankful that his finances were in order and the grief counselling he received. We also go into the nitty gritty of estate planning, why it’s essential and should be considered an act of love towards your family.

What You Hear in This Episode:

What happened to Daniel and his late wife when it came to her medical concerns
How she suddenly went from bad to worse, landing her in hospice with six weeks to live
Daniel’s experience leaving the Air Force to care for his wife
What Daniel’s financial life was affected and he felt both lucky and relieved
Daniel’s recount of his grieving process and his encouragement to seek counselling even if you don’t think you need it
How Daniel and his late wife managed their estate planning and why he feels it was an act of live
Daniel’s biggest money lessons and what he did to remember her
How Daniel found new love and how they’re managing their finances together

Questions to Ponder:

What can you do today to start a conversation with your partner about estate planning?
Who can you talk to about what you need in order to create a will?

Resources:

*Thanks to Donovan Dorrance for the awesome theme music

The True Cost of Diet Culture with Melissa Burton Mar 20, 2019

This week’s guest is Melissa Burton, a non-diet Registered Dietitian Nutritionist that empowers women to break free from diet culture and finally feel positive about their relationship with food and their bodies. We chat about the current state of diet culture and how it leads us to spend money because we don't’ feel like we’re enough. We also talk about why diets don’t work, leading us to spend more, and how we can look within ourselves to help make better food choices so that we can empower ourselves in our entire lives, including how to be more mindful when it comes to spending money on food.

What You Hear in This Episode:

Melissa’s definition of diet culture
How the current view of diet culture leads us to make mindless decisions around our finances
Melissa’s experience with diet culture and how it led her to feel like she wasn’t enough and spending gobs of money
How marketing, psychology and the effect messaging has on the relationship that people (especially women) have with food
What we can do when faced with messages of us being not enough
How we can use money in a way that supports our bodies and even help others rediscover that they’re enough
What is intuitive eating and other types of non-diets

Questions to Ponder:

What can you spend money on today to feel GOOD about your body?
Or, what’s a purchase or financial decision where you feel like you’re enough, and it’s not simply to be skinnier, but helps you feel healthy inside and out?

Resources:

*Thanks to Donovan Dorrance for the awesome theme music

Handling Work Conflicts Using Emotional Intelligence with Razwana Wahid Mar 13, 2019

Today’s guest is Razwana Wahid, a trainer specializing in conflict management using strategies from the world of psychology and neuroscience. We chat about how to effectively use emotional intelligence in the workplace so that you can effectively be happier at work and maybe increase your income to boot. Razwana also goes deep into tools to start feeling good about your work situation now and how to keep going even when you may not like your job.

What You Hear in This Episode:

What the heck emotional intelligence means and how it relates to our work and our financial lives
What Razwana thinks are some of the main reasons we feel unmotivated or resentful of our jobs — whether or not our jobs actually suck
How empathy plays a role in emotional intelligence and to use it to improve your work situation
Tips and tricks to use emotional intelligence to navigate your financial life (including a super practical way to increase your salary!)
Why it’s important to be self-aware and using that to create boundaries in our work and money
What is intrinsic motivation what does it have to do with emotional intelligence?

Questions to Ponder:

Go back to an emotionally charged situation at your job or any aspect of your financial life. What would you do differently now that you know a bit more about emotional intelligence and how you can articulate yourself better?
What can you do to feel less responsible for someone’s financial actions, or something your coworker did at work?

*Thanks to Donovan Dorrance for the awesome theme music

Forming a Supportive Money Mastermind Feb 28, 2019

In this episode, I brought on my close friends and money mastermind group, Jackie Lam – an advocate for freelancers, Kate Dore, who is studying for her certified financial planner designation, and Taylor Milam, and English teacher who freelances on the side. We chat about how we met, how we became so open to talking about money (both in our business and personal lives), and what we feel others can do when looking for a support system around their finances.

What You Hear in This Episode:

How our humble little group started (it had nothing to do with our personal finances) and how we grew to be money BFFs
What topics we talk about and how we cultivated a supportive environment
Challenges that come with not having people around you to chat about money openly and honestly
Pros and cons of free and paid money masterminds
What Jackie, Kate and Taylor feel are the questions you need to ask when talking to others about money

Questions to Ponder:

What do you hope to get by talking openly and honestly about money with friends?
How and where will you seek these people out?
Are you wanting something more structured (like a formal mastermind or accountability group) or just looking for a safe space to talk about whatever comes up with your financial situation?
How will you make sure you enforce boundaries for all involved?

Resources:

*Thanks to Donovan Dorrance for the awesome theme music

When It’s Time to Move On Jan 16, 2019

Sarah chats about knowing when it’s time to move on, both in business and their personal lives. Her and former co-host Garrett Philbin explore what it means to let go of income streams and spending habits, and the challenges that can cause, in order to take advantage of life’s opportunities. And they have some news about Beyond The Dollar - don’t worry it’s not going away - but stay tuned to learn what it is and how they’re embracing the changes.

What You Hear in This Episode:

The BIG news about Beyond The Dollar moving forward
What it means to say no to something, even if you enjoy doing it
What it has been like to work together despite these changes
Why you need to be present and consistently take time to reflect what’s working and not working in your life
The benefits of saying no
How you can stop from feeling overwhelmed and make the best decision for you

Resources:

The Untethered Soul

Leaving a $1 Million Business For Your Values with Tara McMullin Jan 09, 2019

Tara McMullin, founder of CoCommercial, talks about why she decided to walk away from a business that earned her over a million dollar in sales because of her values. Sarah and (former co-host) Garrett also get into the nitty gritty of what she did to build another business that both earns her money and helps her customers thrive without her. Tara also shares what business owners and consumers can do to be more informed about the choices they make so that they’re purchasing or creating products in an ethical way.

Resources:

You Don't Have to Quit Your Day Job Jan 02, 2019

Sarah and (former co-host) Garrett chat with Chris Browning - financial analyst by day, and host of the award winning podcast Popcorn Finance by night. We discuss why having a side hustle is not the answer to your career problems, and how it can simply be a fun hobby that makes some money. We also talk about why it’s important to get support around your side hustle, how to maintain a healthy hustle/life balance, and why it’s perfectly ok not to make the leap into entrepreneurship.
What You Hear in This Episode:

Why earning a livable wage from side hustles is overrated
Why Chris chooses to focus on his career first
How Chris started his podcast and the intangible benefits he gets from producing it
What keeps people from loving their jobs
Possible downsides to using your side hustle to transition into full-time entrepreneurship

Resources:

Learning Money From Your Parents With Allison Kade Dec 26, 2018

Sarah and (former co-host) Garrett chat with Allison Kade, the Editorial Director of Fabric, where she's building a personal finance publication for young families. She’s also written about money in places like Bloomberg, Forbes, Real Simple, and The Today Show. We talk about how her parents taught her how to be responsible with money, which are skills she still uses to this day. We also get into the nitty gritty of her upbringing and how she was prepared to adult with her finances. Allison also shares how those who weren’t taught to be confident around money can become so, even if they don’t know where to start.

For more information on Fabric, head to https://www.meetfabric.com

Create a Money-Life Manifesto With Chad Carson Dec 19, 2018

Sarah and (former co-host) Garrett chat with Chad Carson, the author of Retire Early With Real Estate, a book that teaches others to retire early just like he did using real estate investing. Chad and his family recently spent almost 1.5 years living abroad in Ecuador. We chat about what it means to do meaningful work, and how creating a money-life manifesto can help you life your best life. We also talk about how financial independence (and by extension, real estate investing) are merely tools to help you get what you want, but not the destination.

What You Hear in This Episode:

Why Chad decided not to pursue medical school in order to focus on more “meaningful” projects
What the golden mean of money really is
Chad’s experience taking a mini-retirement in Ecuador with his family and how he was able to make that a reality
Why real estate and financial independence are merely vehicles for living your best life
What Chad says to those who don’t believe a financially independent life is a possibility for them
What impressed Chad the most about the people he interviewed for his book

Resources:

Why Self-Care is Good for your Money Dec 12, 2018

Sarah and (former co-host) Garrett chat about self-care and how that translates to our finances. We cover the myths and misconceptions of what self-care is, and how it’s not about just treating yo self. We also talk about the costs of not incorporating a self-care routine, and what we can do to take care of ourselves even on a limited time schedule.

How Our Mental Health Affects Our Finances Dec 05, 2018

Sarah and (former co-host) Garrett chat with Melanie Lockert, the founder of Dear Debt, a blog that aims to help people remove the stigma around mental health and debt. She is also the co-founder of the Lola Retreat, which helps bold women face their fears, own their dreams, and figure out a plan to be in control of their finances. We chat about her history with mental illness, how that’s impacted her financial life, what sparked her desire to help those feeling suicidal over their debt, and how money can be the most important (and useless) thing in the world.

What You Hear in This Episode:

Melanie’s family history with mental illness
Money’s role in helping Melanie manage the impact of mental illness
What she learned about debt and suicide when she started her blog
What people can do to maintain a sense of normalcy when they’re overwhelmed
Why money is both the most and least important thing in the world

Resources:

How to No Longer Let Fear Stop You Nov 28, 2018

Sarah and (former co-host) Garrett chat about how our fears around money prevent us from getting what we truly want. We discuss why we are scared of things that no longer threaten us physically but threaten our sense of self, like rejection or not meeting our own expectations. We also talk about the types of questions we can ask ourselves to move past financial and other fears.

What You Hear in This Episode:

Why so many people (including Garrett and Sarah) feel so much anxiety around money
How media and our biological makeup contribute to our scarcity mindset
What we can do to start feeling less scared about money
Practical ways to learn to spend money in a way that makes us truly happy
How to tap into your purpose (aka what the heck that actually means)
Three questions to ask yourself every time you feel scared

Resources:

Keeping Separate Finances in Your Marriage Nov 21, 2018

Sarah and (former co-host) Garrett chat with Brynne Conroy, the author of The Feminist Financial Handbook. Her book provides real motivation and resources for women who may be struggling—not only those who have already accumulated wealth. We talk about what it means to maintain autonomy in your relationship when it comes to finances, including what separate accounts may be necessary and how to look out for your best interest as well as your partners.

What You Hear in This Episode:

The staggering statistics related to divorce, and why married couples need to pay attention
The pivotal moment Brynne realized she could maintain autonomy
What is the difference between separate and secret finances?
How couples can navigate setting up separate finances
How couples can encourage each other to be more confident in their finances

Resources:

Change Your Unconscious Money Patterns Nov 14, 2018

Sarah and (former co-host) Garrett chat about what you can do once you recognize your unconscious money patterns. They go over what money archetypes are and how to use them to make changes - including taking responsibility for our own financial lives. Sarah also puts Garrett on the spot, asking him what her money personality is - and she did not pay him to say any of those nice things, she swears!

What You Hear in This Episode:

Why it’s important to go beyond the numbers when it comes to money
How Sarah changed her pattern of being in debt
Why your money issues will never go away, and what you can do about it
Money stories versus money facts - what’s the difference?
What are money archetypes and how can they help us with our financial issues?
Garrett coaches Sarah on her money archetypes
How to reverse engineer your money goals
Simple ways to combat overwhelm

Resources:

The True Definition of “Enough” with Kathleen Shannon Nov 07, 2018

Sarah and (former co-host) Garrett with Kathleen Shannon, co-host of the Being Boss podcast - with almost 6 million downloads- where she shares her insights and experience on what it takes to be a small business owner and side-hustler. She’s also the founder and partner at Braid Creative - a Branding Agency for creative entrepreneurs and purpose-driven businesses where she helps her clients blend more of who they are into the work they do. We talk about how getting clarity and knowing your values helps you in all aspects in your life, perceived vs actual risks in entrepreneurship, and a whole lot more.

What You Hear in This Episode:

How Kathleen’s desire to climb Mount Everest motivated her to quit her job
The difference between real and perceived risks
What people need to consider before taking a financial risk
Why values are key in deciding what to do with your finances
How to shift your thinking about using money
What it means to have enough and feel abundant in your life
Where Kathleen spends at least 2 hours each day (hint - not at work!)
How to have confidence in your financial situation

Resources:

How To Carve Out a Meaningful Career Oct 31, 2018

Sarah and (former co-host) Garrett chat about how they’ve used money to get a high ROH - return on happiness. They talk about what it means to work in a meaningful job, examples of when they didn’t love their work and how they worked through it. They also include examples on what you can do to create a career path you love. It doesn’t mean you’ve figured it all out, but it’ll give you a head start.

What You Hear in This Episode:

What it means to work in a way that is ethical and in line with your values
What happened when Garrett and Sarah were in jobs they hated
How to figure out your “why” when it comes to your work and career
Can you really have it all figured out?
How to transition into a more meaningful career, especially if it means a big career change
How Garrett and Sarah are living beyond the dollar in their careers

Resources:

Your Burning Money Questions - Answered! Sep 12, 2018

In this episode Sarah and (former co-host) Garrett are featuring you, our listeners! We’ve received lots of questions throughout the season and so wanted to answer a few of them live!. We answer your questions on how to navigate work/life balance, money mindset strategies, resources we recommend and much more.

What You Hear in This Episode:

How you can balance your career with your life goals
How to know what career path to try next
Money mindsets we overcame and how we did it
Our top money book and app recommendations
What you can ask a financial coach or advisor before deciding on working with them

Resources:

Money & Life as a Disabled Adult With Yulia Stenshenko Sep 05, 2018

Sarah and (former co-host) Garrett chat with Yulia Steshenko, a certified financial planner who is committed to inclusive financial planning and disability advocacy. We talk about how her disabilities and receiving government assistance has shaped her relationship with money, and why she still struggles with a need to prove herself to others.

What You Hear in This Episode:

Why Yulia needed to think about retirement planning even before she graduated college
What it was like putting pressure on herself to succeed professionally, in spite of her disability
How her disability shaped Yulia’s relationship to money
Why Yulia feels so strongly about giving back
How Yulia is able to thrive despite a meager supplemental income
How she maintains a deep sense of gratitude for her life

Resources:

How to Crush Your Financial (and Life) Goals with Ryan Hildebrandt Aug 29, 2018

Sarah and (former co-host) Garrett chat with Ryan Hildebrandt, founder of Viral Message Lab, a company that helps writers craft their message for TED talks. Ryan shares a simple method he uses to achieve big goals, financially and in other areas in his life. We chat about what makes up his weekly review, and why this simple process can give you more confidence and permission to go after big scary goals.

What You Hear in This Episode:

Ryan’s surprisingly simple habit and how it’s helped him in his financial life
How you can motivate yourself to tackle scary things
How reviewing past accomplishments can help you stay on track towards larger goals
Why consistency is the key to success
What happens if you aren’t consistent with this weekly habit (hint: it’s not the end of the world!)
How something that’s considered boring can actually contribute to our overall happiness

Resources:

How to Travel More With Dale Thomas Vaughn Aug 22, 2018

You love the idea of traveling more often, but you’re scared at how much it’ll cost you.

Sarah and (former co-host) Garrett sit down with Dale Thomas Vaughn, marketing director at AirTreks, a company that helps travelers arrange multi destination itineraries. We learn about how he’s made travel a priority and part of his lifestyle. We also talk about what is possible when we decide to say “yes” to opportunities, and how travel is really a tool for making the world a better place.

What You Hear in This Episode:

Why you don’t need to leave your hometown to have mind-blowing experiences
When Dale decided that travel was going to be a priority in his life
How opportunities open up when you just start saying “yes”
How you can integrate travel in your life, no matter your budget
Why travel is so valuable to keep you grounded and maintaining a curious mind

Resources:

How Money Myths Stop Us From Kicking Butt in Life Aug 15, 2018

Sarah and (former co-host) Garrett explore common money myths and how they can prevent us from living our best lives. We share examples of how these have manifested in our own lives and what we’ve done to combat them.
What You Hear in This Episode:

What the three most common myths are (you may be surprised)
How Sarah and Garrett have seen these myths play out their own lives
What you can focus on when you realize you’ve been manifesting these myths in your life
How you can start to see money myths as simply that, myths
What happens when you start to shift away from these myths and everyone around you still does

Resources:

Scaling a Service Based Business With Prerna Malik Aug 08, 2018

Sarah and (former co-host) Garrett chat with Prerna Malik, co-founder of Content Bistro, a company that writes content for entrepreneurs to help them convert potential clients into customers. We talk about what she did to turn her side business into a full-time venture when her husband fell ill, some of the mindset challenges she had to overcome when it came to growing her income, and how she gives herself permission to thrive in her personal and professional life.

What You Hear in This Episode:

Why Prerna was forced to grow her business in order to support her family
What she suggests others do when it comes to learning new skills
How to deal with blocks when it comes to “the struggle” and how to move through them
Why giving yourself permission is the best thing you can do for your financial life
How your core values can help you grow your business or career
How everyone can build confidence when it comes to asking for money (you may be surprised)

Resources:

How to Give Without Guilt Aug 01, 2018

Sarah and (former co-host) Garrett chat about the benefits of giving, and share practical ways you can begin to find both time and money if giving is important. We talk about why we’ve personally felt that giving money seems more impactful than volunteering time, how our happiness levels change when we do give, and how you can be intentional about giving so that it’s not based out of guilt or obligation.

What You Hear in This Episode:

The differences between giving time and giving money to a worthy cause
What constitutes as giving (you may be surprised)
How anyone can support others in the community or a worthy cause
What you can do if you feel obligation or guilt about giving (or lack thereof)
Practical ways you can give as part of your daily routine
How giving actually benefits you as well

Resources:

- I Went to Africa and I Didn't Help
- Money Spent On Others Can Buy Happiness
- Before You Pay to Volunteer Abroad, Think of The Harm You Might Do
- His Holiness the Dalai Lama’s Favorite Prayer
- Chime - round up your purchases and the change will be set aside for you in savings
- You Need a Budget
- ProActive Budget - virtual cash envelope budgeting system
- Qapital
- Coin Up
- Jay Shetty
- 7 Scientific Benefits of Helping Others
107 Effective Self Care Practices That Won’t Break the Bank

Getting Financially Intimate With Your Spouse Jul 25, 2018

Sarah and (former co-host) Garrett sit down with Andy Hill from the Marriage Kids and Money Podcast to talk about how couples can get on the same page when it comes to their finances. We chat about how fights about money aren’t really about money, how to communicate with your partner so neither feels like it’s an attack, and the mindset strategies you both need when it comes to accomplishing big financial goals.

What You Hear in This Episode:

What it really means when you and your spouse argue or disagree about money
How Andy and his wife worked around their competing money mindsets to achieve lofty financial goals (including paying off their mortgage in five years!)
Why couples need to see beyond the surface level when it comes to conversations around money (well frankly, on all matters)
What (and why) Andy wants to teach his kids about money
How couples can enter into a discussion about money when they’re getting serious or are first married (hint: it’s about the future)

Resources:

Overcoming the Financial Effects of Divorce With the Cash Wise Ex-Wives Jul 18, 2018

Dealing with a divorce is challenging enough emotionally, but you’re also managing financial stress as well. How are you supposed to navigate these uncertainties in your life, both during and after a divorce?

Sarah and (former co-host) Garrett talk with Kayla and Shanah of Cash Wise Ex Wives, an online community where they help divorcees navigate money.

What You Hear in This Episode:

Kayla and Shanah’s story of divorce and how it affected their finances.
What Kayla and Shanah both believe to be the cause of money fights and ones that lead to a breakdown to a marriage
How Kayla and Shanah saw through to the other side and thrived financially
Why they believe it’s essential that divorcees get support from like-minded people to deal with the difficulties surrounding divorce
What the differences are between women and men post-divorce, particularly those who participated in more traditional gender roles
Why Kayla and Shanah both started their online community
What Kayla and Shanah both wish they knew right when their respective divorces happened

Resources:

The Power of Accountability Jul 11, 2018

Sarah and (former co-host) Garrett talk about how finding like-minded community is crucial when making progress toward your financial goals. We also talk about how to engage in conversations with friend andfamily around money, and what to do if you’re worried about talking directly about finances.

What You Hear in This Episode:

The crucial reason why it’s important to surround yourself with people who are already doing what you’re doing
What you can do if people around you aren’t open to supporting you in your financial journey
How you can build your tribe or an accountability network
Examples of how both Garrett and Sarah have found success with accountability groups
Advantages and disadvantages of paid versus free accountability groups
Why finding accountability or your tribe doesn’t mean just searching for people (hint: books count!)

Resources:

The Success Alliance
Freelance Writer’s Den
You Are A Badass At Making Money by Jen Sincero
Loaded by Sarah Newcomb
The Soul of Money by Lynn Twist
Money Magic by Deborah Price
Women’s Personal Finance Group
ChooseFI - Facebook group
Money and Happy - Facebook group
Money.Life.Balance - Facebook group
Meetup.com

Dealing With Money as an Artist or Creative With Jackie Lam Jul 04, 2018

Does the whole starving artist mentality still ring true within the creative community? If so, how can artists and creatives (yes, the two are different) identify their limiting mindsets and learn to thrive while pursuing a career they love?

Sarah and (former co-host) Garrett sit down with Jackie Lam, a freelance writer and advocate for creatives and artists. We talk about her relationship with money and the perceived conflicts artists feel around selling out and the starving artist mentality.

What You Hear in This Episode:

Jackie’s conflicted relationship with money and how she’s overcome it
Why Jackie feels the starving artist mentality is still so prevalent
The main differences between an artist and creative, and how they’re perceived financially
What artists and creatives need to do to shift their mindset when it comes to making more money
What “selling out” really means, not just for the art and creative community
Why a creative pow-wow is so important
What creatives, artists and entrepreneurs have in common
How artists and creatives can shift their perception to believing their work has “real” value

Resources:

Commanding Our Worth Jun 27, 2018

Sarah and (former co-host) Garrett talk about what commanding your worth means in practice, and how your feeling of self-worth impacts your ability to ask for more. We dive into the idea of rejection, and how someone saying “no’ to your offer doesn’t reflect who you are as a person.

What You Hear in This Episode:

What does commanding your worth even mean?
What rejection really means when you’re negotiating
What Sarah and Garrett have done to command their worth (it’s not always about earning more money)
Practical tips of how you can command your worth (hint: it’s not always about being more confident)
How the wage gap may affect how men and women negotiate
Why you shouldn’t shy away from a position you don’t believe you’re fully qualified for
The one question you need to ask yourself when commanding your worth

Resources:

The Landmark Forum
Hire for Attitude, Train for Skill - Harvard Business Review
The weekly review habit I’ve been doing for 8 years - Ryan Hildebrandt
A Nourishing (and hopefully painless!) Money Ritual
Overcoming Underearning by Barbara Stanny

How we took the Entrepreneurial Leap May 16, 2018

Sarah and (former co-host) Garrett bear all in this episode - the good, the bad and the ugly - about what it’s been like starting and growing our businesses. Both of us get super specific about why we actually took the leap and our thought processes along the way. We also talk about how entrepreneurship, just like money, is simply a tool that can help us live the lives we want, and we share simple questions you can ask to feel more comfortable when making tough decisions in your financial lives and beyond.
What You Hear in This Episode:

(Former co-host) Garrett’s decision to leave Sony, start a music production company with his friends, and ultimately leaving that to start his money coaching business (aka he’s a badass)
Sarah’s accidental leap into side hustling and the practical reasons she decided to go full-time in her own business
Challenges both Garrett and Sarah continue to face in their respective businesses (hint: it’s NOT about the money)
The unexpected benefits from taking the entrepreneurial leap
Why it’s so easy for people to see working for themselves as a cure-all
How we can all practice stretching our “fear” muscles

Resources:
Why I Haven’t Blogged in 8 Weeks

Being True to Who You Are Can Help you Thrive Financially - An Interview With the Debt Free Guys May 09, 2018

Sarah and (former co-host) Garrett sit down with The Debt Free Guys, John Schneider and David Auten. They are the only gay couple openly talking about money in the queer community. We talk about the financial expectations and challenges facing the LGBT community, how they made the decision to dig themselves out of $51,000 in credit card debt, and how being their authentic selves helped them thrive in their financial lives.

What You Hear in This Episode:

The moment John and David realized they can’t live their self-described fabulous lifestyle anymore
Why they both felt they had to spend money once they came out of the closet
What it was like to get out of $51,000 worth of debt and whether their family and friends supported them on their journey
Why John and David are the only openly gay couple talking about money in the media
How being their authentic selves helped David and John thrive in their financial lives
Why it’s so important to empower the LGBTQ community around their finances

Resources:

Financial Follies of the Comparison Trap May 02, 2018

Sarah and (former co-host) Garrett talk about how comparing ourselves to others takes a toll on both our financial and emotional well-being. We talk about how “keeping up with the Joneses” has evolved and been exacerbated by social media, how to catch ourselves when we fall into the comparison trap, and how getting clear on our priorities and values allows us to break that cycle.

What You Hear in This Episode:

The crucial difference between intrinsic and extrinsic motivation
How it’s easier to fall into the comparison trap today compared to even five years ago
What we can do to stop feeling negative when we find ourselves looking at other people’s lives
An extreme example of someone who pretended to go on a trip to Southeast Asia (and nobody knew she was faking!)
Why Sarah decided to delete her Instagram account

Resources:

Taking Financial Leaps of Faith With Jared Easley Apr 25, 2018

Taking leaps of faith - Exciting? Hella scary? Worth it? All three?

Sarah and (former co-host) Garrett sit down with Jared Easley, who has had to take many of these leaps to help grow Podcast Movement, the world’s largest podcast only conference with his business partner, Dan Franks. We talk about how to take leaps of faith, both financially and in our careers, and how you can approach these life changes when there is someone else in your life to consider.
What You Hear in This Episode:

What Jared’s biggest lesson has been from continually taking risks
What is a financial leap (hint: it doesn’t always mean quitting your job to start a business)
How we can develop the mindset to be confident in our choices in our financial lives
Why failure isn’t as scary as we think it is
How you balance family and relationships with taking risks
How using the power of curiosity can help you take leaps in a much more organic way

Resources:

Navigating Financial Expectations from Friends and Families Apr 18, 2018

Sarah and (former co-host) Garrett talk about how to manage financial expectations and set boundaries with our friends and family. How does our confidence (or lack thereof) affect our ability to set boundaries? How can we move on from a friendship that is no longer serving us, financially or otherwise? And what are the positive outcomes we’ve experienced from creating our own financial boundaries?

What You Hear in This Episode:

Why it can be hard to help friends and family when you’re growing and changing
What you can do if you feel scared about setting boundaries or financial expectations
How do you know when you’ve outgrown a relationship? (hint: it’s scary to admit!)
How creating boundaries can actually create positive outcomes for your friends and family

Understanding our Unconscious Money Patterns Apr 11, 2018

Sarah and (former co-host) Garrett dive into what they experienced growing up, and how those things had both a positive and negative impact on their personal finances. They also explore how willpower isn’t the answer to your money problems, how to create lasting changes, and where to start looking to uncover your unconscious money beliefs.

What You Hear in This Episode:

What are some of the most common lessons people learn about money growing up
essages we receive, even in our adult years, affect how we feel and think about money
What simple techniques we can use to overcome the negative beliefs we have money (hint: it has nothing to do with forgetting about it)
How tools and budgeting systems fail us when we aren’t aware of our underlying behaviors
Why it’s important to acknowledge our “past money scripts” before we can move on n our financial lives

Resources:

Til Debt Do Us Part
Money Magic: Unleashing Your True Potential for Prosperity and Fulfillment by Deborah Price

How Fear And Confidence Affect Our Money Decisions With Jen Hemphill Apr 04, 2018

In this episode Sarah and (former co-host) Garrett sit down with Jen Hemphill, a Money Confidence Coach, an AFC® (Accredited Financial Counselor), and host of the Her Money Matters® Podcast.

We dive into how we can begin to shift our fears into being more confident in our financials lives. We also share how to incorporate self-care practices to relieve stress and fear (it doesn’t cost a lot, trust us!), ways to find the community to help you grow, and so much more.

What You Hear in This Episode:

What fear looks like in our financial lives
What is a past and present money story, and why those two are crucial when it comes to uncovering our fears
What does it mean to be confident with our money? How does that help us make better decisions?
How we tend to make poor choices when we’re maxed out on our “mental bandwidth”
Simple shifts we can all make to feel better about our money (hint: it’s not spending hundreds of dollars on self-care)

Resources:

How Money Can Help Us Create a More Meaningful Life With Leisa Peterson Mar 28, 2018

What is a meaningful life and how can money become a tool to create it?

In this episode, Sarah and (former co-host) Garrett sit down with Leisa Peterson, founder of WealthClinic and the host of the Art of Abundance podcast. We dive into how to define what a meaningful life looks like, how you know if you’re using money to achieve it, and the work we need to do in order to find meaning around money and our lives.

What You Hear in This Episode:

How Leisa approaches her relationship with money, and how it’s now has nothing to do with earning and saving
Some of the ways we unknowingly sabotage our happiness by treating having money as the end goal.
How your relationship with money can change as you work on creating a meaningful life
Common misconceptions of a what a meaningful life is and money’s role in it
Pivotal moments (including your rock bottom) that can help you shift the trajectory of your financial life
How Leisa’s upbringing influenced negative feelings she had with money, and how she released these “invisible scripts”
How anyone can start diving into their blocks to a meaningful life

Resources:

Wealthclinic
Wealth Flower Assessment
Art of Abundance Podcast
The Soul of Money by Lynne Twist
What is a Meaningful Life? - Psychology Today
It’s The Truth Will Set You Free by Alice Miller
The Desire Map by Danielle Laporte
The Real Value of Money - Mark Manson

How to Practice Forgiveness in Your Financial Decisions Mar 21, 2018

Is forgiveness really that crucial to a healthy financial life? If so, how can we incorporate it into our daily lives?

Sarah and (former co-host) Garrett explore why forgiveness doesn’t mean talking about the “dumb” mistakes we make with money. In fact, it has nothing to do with forgetting the decisions we’ve made or the situations we find ourselves in. This time, Garrett is under the microscope as him and Sarah talk about who forgiveness is really for, how to let go of expectations, and exercises to practice forgiveness in our financial lives.

What You Hear in This Episode:

The common myths around the concept of forgiveness and how they prevent people from moving on in their financial lives
Why it’s important to forgive and stop avoiding negative emotions (hint: it’s meant to help you)
How expectations with people, situations and actions lead us to spiral into shame, guilt and hurt
The simple steps anyone can implement today to start forgiving anyone and anything, particularly when it comes to money

Resources:

What Does Having “Enough” Money Look Like? Mar 14, 2018

What does “enough” look like in our financial lives? Sarah and (former co-host) Garrett explore how the idea of “enough” has both prevented and helped us lead better financial lives. We also explore negative feelings with money, how society has taught us to avoid them.
What You Hear in This Episode:

What the heck is a scarcity mindset and how it leads to poor decision making
The concept of instant gratification and our constant need to buy and consume
Where everyone needs to be seeking answers when it comes to financial and life challenges (hint: it’s not anything external)
What is really at the core when we use money to mask our feelings

Resources:

On Trust Funds and the Challenges With Being Rich - An Interview With Megan Gill Mar 07, 2018

This episode is equal parts uncomfortable and uplifting as Megan shares the shame and guilt with Sarah Sarah and (former co-host) Garrett that comes with being a “trust fund” kid. She lays it all out there, from the need to hide in her shell, to working through the shame in therapy, and her desire to be seen as a valid member of society.

What You Hear in This Episode:

How Megan grew up surrounded by wealth and how she learned of her privilege
Her guilt at having more money and why she felt she’s had to hide it
The types of inappropriate questions others have asked regarding her status
How Megan plans on use her privilege as a force of good in the world

Resources:

Can Money Buy You Happiness? Feb 28, 2018

Can money increase our levels of happiness?

Sarah and (former co-host) Garrett explore this question and how the idea of happiness has manifested in our financial lives. Sarah shares a story which left Garrett saying “Oh, S(#T.”

What You Hear in This Episode:

Why Sarah feels she needs to make more money to be happy, and her journey to discover the emotional connection to her lofty income goal.
What it actually means to be intentional with money and how that ties into our overall happiness
How using money to avoid tough life decisions can lead you down a dark path
The myth that having a lot of money can solve all your problems
The role gratitude plays when it comes to money and happiness

Resources:

Coming February 28th! Beyond The Dollar Feb 15, 2018

Introducing Beyond The Dollar, a podcast by Sarah Li Cain and (former host) Garrett Philbin. It's about deep and honest conversations about how money affects our well-being. You won't hear the latest money hacks or budgeting tips. Rather, it's a space to explore the highs and lows around our finances and how it bleeds into every area of our lives. Subscribe now!

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