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    Business

    She’s Talkin’ Money

    You make good money. You save. You contribute to retirement. On paper, you are doing well. So why do you still feel unsure whether you are making the right decisions with your money?

    She’s Talkin’ Money is the personal finance podcast for women who have outgrown basic budgeting advice and want more clarity about what comes next.

    Hosted by financial planner and money expert Shari Rash, the show helps you understand how to put your money to work through smarter investing, retirement planning, saving, tax strategy, and intentional spending.

    You will also hear honest conversations about the emotional side of money: fear, guilt, comparison, financial independence, over-saving, and why earning more does not always make you feel more secure.

    Expect practical solo episodes, expert conversations, and real money questions designed to help you stop second-guessing yourself and start making financial decisions with more confidence.

    Because doing well on paper should feel good in real life, too.

    Previously known as Everyone’s Talkin’ Money.

    Advertise

    Copyright: © 2024, Shannah Game

    • Apple Podcasts
    • Google Play
    • Spotify

    Latest Episodes:
    The Radical Middle: Building a Money Reset You’ll Actually Stick With Jan 27, 2026
    Show notes

    Most money advice is either extreme restriction or delusional optimism.

    The truth is that real change happens in the middle, where you build systems that work with your actual lifestyle instead of the one you wish you had.

    This week, I’m joined by Jen and Jill from the Frugal Friends podcast to talk about why we overcomplicate money resets, how to spend based on what we truly value, and what “frugal” really means in 2026.

    We dig into the psychological reason we over-complicate New Year money goals, how values-based spending creates direction without deprivation, what the “radical middle” looks like in real life, the difference between being frugal and being restricted, and why paid-off debt and pretty spreadsheets aren’t a personality.

    If you’ve ever set a financial resolution in January and rage-bought something by February, this episode is for you.

    Talkin’ Points → where your money gets smarter.

    Real talk, practical tips, zero guilt straight to your inbox. Sign up here.

    Be sure to like and follow the show on your favorite podcast app!

    Keep the conversation going on Instagram @everyonestalkinmoney

    Learn more about your ad choices. Visit megaphone.fm/adchoices


    How to Set Money Goals You Won’t Abandon by March Jan 22, 2026
    Show notes

    If you’re tired of setting money goals that quietly die somewhere between Valentine’s Day and tax season, this episode is your intervention.

    We’re talking about why traditional goal setting backfires, how shame-based goals sabotage progress, and what it really takes to set financial targets that fit your season of life—whether you’re growing, stabilizing, repairing, maintaining, or just trying to get through a major transition without losing your mind.

    Get your Supportive Money Goals Workbook here!

    You’ll learn the difference between aspirational goals (“max out my 401(k)”) and supportive goals (“increase my 401(k) by 1% each quarter”), why willpower is the least reliable financial strategy on earth, and how the One-Goal Rule keeps your cash flow focused long enough for you to actually win.

    By the end, you’ll walk away with money goals that are realistic, emotionally grounded, system-supported, and—most importantly—still alive in March.

    Because you don’t need more aggressive goals… you need goals that match your systems, your season, and your capacity.

    Talkin’ Points → where your money gets smarter.

    Real talk, practical tips, zero guilt straight to your inbox. Sign up here.

    Be sure to like and follow the show on your favorite podcast app!

    Keep the conversation going on Instagram @everyonestalkinmoney

    Learn more about your ad choices. Visit megaphone.fm/adchoices


    Fix Your Cash Flow Before You Set Another Financial Goal Jan 20, 2026
    Show notes

    You can make great money and still feel like you’re constantly playing catch-up. You can hit a savings goal one month and have to pull it back out the next. You can earn a six-figure salary and still check your account before you swipe your card. That doesn’t mean you’re bad with money — it usually means your cash flow is broken.

    Get Your Cash Flow Map Here!

    In this episode, Shari breaks down why cash flow matters more than budgets, why financial goals fall apart even when you’re motivated, and the quiet structural issues that make high earners feel stressed, behind, or confused. She explains the five biggest cash flow killers (like income timing mismatch, floating lifestyle expenses, and savings without automation) and the simple framework for stabilizing cash flow so goals actually work in real life.

    This isn’t about cutting spending, skipping coffee, or trying harder. This is about fixing the foundation so your money moves in rhythm with your life instead of against it. If you’ve ever wondered where your money goes even though you’re not overspending, or why your goals never stick, this episode will make everything click.

    Talkin’ Points → where your money gets smarter.

    Real talk, practical tips, zero guilt straight to your inbox. Sign up here.

    Be sure to like and follow the show on your favorite podcast app!

    Keep the conversation going on Instagram @everyonestalkinmoney

    Learn more about your ad choices. Visit megaphone.fm/adchoices


    The Meal Planning Reset: How Jenn Lueke Built a System for Eating Well on a Budget Jan 15, 2026
    Show notes

    In this episode, Shari sits down with Jenn Lueke, the creator behind the viral budget grocery series that helped millions of people eat well for less.

    They discuss how grocery system failures quietly drain time and money, why meal planning is really an inventory problem, and how Jenn turned a January budget grocery video into a community, a cookbook, and a system that actually sticks. Get Jenn's book here: https://jenneatsgoood.com/cookbook/

    Jenn breaks down how to build a realistic pantry, the plant-based and protein swaps that cut costs without sacrificing nutrition, how to shop without waste, and why homemade sauces are the sleeper money saver everyone misses. They also talk about inflation, food psychology, decision fatigue at dinner, and Jenn’s eight keys to success in the kitchen. Follow Jenn on Instagram @jenneatsgood

    Talkin’ Points → where your money gets smarter.

    Real talk, practical tips, zero guilt straight to your inbox. Sign up here.

    Be sure to like and follow the show on your favorite podcast app!
    Keep the conversation going on Instagram @everyonestalkinmoney

    Learn more about your ad choices. Visit megaphone.fm/adchoices


    How to Build Money Systems That Actually Stick Jan 14, 2026
    Show notes

    Most people don’t struggle with money because they’re irresponsible. They struggle because their entire financial life is running on willpower and memory—which are terrible tools for long-term success. In this episode, Shari breaks down why motivation-based money management always collapses by March, and how to build real financial systems that actually stick.

    Does Your Money System Rely on Willpower or Memory? Get your Money System here!

    Inside, we walk through the four core elements of a “sticky” money system—automation, boundaries, visibility, and realism—and why these matter more than discipline. You’ll learn how to design money flows that match your real income timing, energy cycles, and household complexity, instead of trying to fit your life into a one-size-fits-all budget.

    Shari also shares the Minimum Viable Money System: the lowest-lift, most functional framework for managing money without spreadsheets, shame, or perfection. If you’ve ever felt like you “should” be better with money but can’t seem to make habits stick, this episode will help you shift from trying harder to designing smarter.

    If you’re ready for money to feel supportive instead of exhausting, this is where it starts.

    Talkin’ Points → where your money gets smarter.

    Real talk, practical tips, zero guilt straight to your inbox. Sign up here.

    Be sure to like and follow the show on your favorite podcast app!

    Keep the conversation going on Instagram @everyonestalkinmoney

    Learn more about your ad choices. Visit megaphone.fm/adchoices


    Why Traditional Financial Advice Fails Women — And What a Better Future Looks Like Jan 13, 2026
    Show notes

    Most financial advice was built by men, for men — and women have been expected to simply adapt. Spoiler: we haven’t, and we won’t.

    In this conversation with Lacy Garcia, founder & CEO of Willow, we get real about:

    Why women are about to control two-thirds of U.S. wealth

    How the industry talks about money vs. how women actually make financial decisions

    What women really want from financial advisors (hint: it’s not alpha charts)

    The messy middle of the industry finally changing

    What holistic planning really means beyond the buzzword

    How to know if an advisor is actually for you — or just painting everything pink

    This is the perfect January reset if you’ve been feeling like financial advice wasn’t built with your life in mind. Because the truth is, women are already reshaping the future of wealth — the industry is just catching up.

    Learn more about how my firm, GWA Wealth works with women who want to take control of their money.

    Talkin’ Points → where your money gets smarter.

    Real talk, practical tips, zero guilt straight to your inbox. Sign up here.

    Be sure to like and follow the show on your favorite podcast app!

    Keep the conversation going on Instagram @everyonestalkinmoney

    Learn more about your ad choices. Visit megaphone.fm/adchoices


    Why Money Keeps Becoming Your New Year’s Resolution Jan 08, 2026
    Show notes

    Every January, money becomes part of the New Year’s resolution conversation. Paying off debt, saving more, getting better with money. And while those goals are common, they’re usually not the real issue.

    In this episode of Everyone’s Talkin’ Money, Shari explains why money keeps showing up on your New Year’s resolution list year after year, and what that pattern is actually telling you about your financial life. This isn’t about discipline, motivation, or willpower. It’s about whether your money systems are designed for the life you’re actually living.

    If you feel like you’re constantly resetting your finances, starting over every January, or promising yourself that this year will be different, this episode will help you understand what’s really underneath that stress. Shari breaks down the root reasons money feels stuck, why resolutions often create relief without real change, and how outdated money systems can create frustration even when your income has grown.

    Get Your Three-Question Money Audit here!

    This episode kicks off our January series, New Money Year: Reset, Systems, Goals, and lays the foundation for building financial systems that actually work. Not for the life you had five years ago, but for the one you’re living now.

    If you’re tired of making the same money resolutions every year, this episode will help you stop trying harder and start building smarter

    Talkin’ Points → where your money gets smarter.

    Real talk, practical tips, zero guilt straight to your inbox. Sign up here.

    Be sure to like and follow the show on your favorite podcast app!
    Keep the conversation going on Instagram @everyonestalkinmoney

    Learn more about your ad choices. Visit megaphone.fm/adchoices


    You Are Not Your Bank Account: Separating Self-Worth from Net Worth Jan 03, 2026
    Show notes

    If you’ve ever opened your banking app and felt your stomach drop — like the number on the screen said something about who you are — this episode is for you.

    Many of us have absorbed a quiet but destructive belief: that financial success equals personal value. That debt means you’re irresponsible. That renting means you’re behind. That earning less means you’re not trying hard enough. And that belief doesn’t just hurt emotionally — it shapes how we spend, save, work, and make decisions every day.

    In this episode, we pull that belief apart and put money back where it belongs. Your net worth is a number. It’s data. It is not a moral scorecard, a personality test, or a measure of your worth as a human being.

    We talk about where this belief comes from, how it shows up as money shame, avoidance, overspending, comparison, and fear-based decision making, and the real cost of living this way — lost peace, strained relationships, and the constant feeling of never being enough.

    Then we get practical. I walk you through how to separate the math from the meaning, how to look at your finances without spiraling, how to set boundaries and say no without over-explaining, and how to build a sense of worth that isn’t dependent on your bank balance, income, or credit score.

    This isn’t about pretending money doesn’t matter. It does. But it was never meant to define you.

    Money is a tool.
    You are the treasure.


    Talkin’ Points → where your money gets smarter.

    Real talk, practical tips, zero guilt straight to your inbox. Sign up here.

    Be sure to like and follow the show on your favorite podcast app!

    Keep the conversation going on Instagram @everyonestalkinmoney

    Learn more about your ad choices. Visit megaphone.fm/adchoices


    Best of 2025: Boring Money Moves that Actually Work Dec 30, 2025
    Show notes

    Shari is back with another Best of 2025 episode. This time we are talking Boring Money Moves, it is one of her 40 Money Moves at 40 episodes she released in September.

    Mindset matters — but without solid systems, it won’t get you very far. In this episode of 40 Money Lessons at 40, we’re talking about the unglamorous money moves that quietly build real stability.

    This is the stuff that doesn’t trend on Instagram but actually changes your financial life: paying yourself first, living one month ahead, setting up simple bank systems, and creating routines that remove stress instead of adding it.

    We’ll walk through why “leftover money” never works, how to stop feeling behind even when you’re earning more, and why boring consistency beats financial chaos every time. You’ll also hear how small structure creates freedom, how to avoid emotional spending traps, and why the right systems make confidence inevitable.

    If you’re ready to stop starting over and start feeling steady, this episode is your foundation.

    Catch all of her 40 at 40 episodes here:

    ⁠40 Money Lessons at 40 - Part 1⁠⁠⁠⁠⁠⁠⁠⁠

    ⁠⁠40 Money Lessons at 20 - Part 2⁠⁠⁠⁠⁠⁠⁠⁠

    ⁠⁠40 Money Lessons at 40 - Part 3⁠⁠⁠⁠⁠⁠⁠⁠

    ⁠⁠40 Money Lessons at 40 - Part 4⁠⁠⁠

    ⁠⁠40 Money Lessons at 40 - Part 5⁠

    Talkin’ Points → where your money gets smarter.

    Real talk, practical tips, zero guilt straight to your inbox. Sign up here.

    Be sure to like and follow the show on your favorite podcast app!

    Keep the conversation going on Instagram

    If this episode hits home, share it with someone who needs a calmer approach to money. Tag me @everyonestalkinmoney and let me know what clicked.

    Build the foundation. Your future self will thank you.

    Learn more about your ad choices. Visit megaphone.fm/adchoices


    Best of 2025 Stop Budgeting, Start Choosing: Why traditional budgets fail and what to do instead Dec 25, 2025
    Show notes

    Does the word “budget” still make your shoulders tense? Same. And that reaction isn’t a personal failing—it’s a sign that most budgeting advice was never built for real life. In this rereleased episode, we throw out the guilt, the restriction, and the rules that don’t stick, and replace them with a spending plan that actually works with how you live, earn, and decide.

    This conversation breaks down why traditional budgets tend to fall apart (hint: it’s not because you lack discipline) and how to build a values-based spending plan that supports growth, security, and joy—at the same time.

    You’ll learn how to identify what truly matters to you financially and how to align your spending with those priorities instead of fighting yourself every month.

    We walk through the Three-Bucket Spending Plan as a simpler, more human way to manage money without sacrificing the things you love or want to work toward.

    Shari also shares her own experience of breaking out of a scarcity mindset and why emotional spending has far more to do with unexamined beliefs and financial baggage than willpower.

    This episode reframes budgeting from something you “have to do” into a tool that helps you make intentional choices—so you can stop defaulting to “I can’t afford that” and start saying, “I’m choosing this.”

    If you’re tired of feeling guilty every time you spend, stuck in a cycle of overthinking your money, or ready to build wealth without burning out your nervous system, this episode is for you. Press play, rethink what a budget can be, and start creating a spending plan that finally feels supportive instead of suffocating.

    Talkin’ Points → where your money gets smarter.

    Real talk, practical tips, zero guilt straight to your inbox. Sign up here.

    And don’t forget to keep the conversation going—follow us on Instagram @everyonestalkinmoney for more honest money mindset shifts and practical strategies you can actually use.

    Learn more about your ad choices. Visit megaphone.fm/adchoices


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