The Money Mom Podcast

Latest Episodes:

111: I Made 6 Figures in an MLM, Here's My Honest Opinion Jun 02, 2026

Show notes

In this episode, I'm giving you my most honest take on MLMs, the good, the real, and what I actually think you should do if your goal is to make money from home on your own terms.

We cover:

What my MLM experience actually looked like (and why I don't regret it)
The hard truth about why most women don't make money in MLMs
The one thing most people don't realize when they sign up
Why making money from home doesn't have to mean selling someone else's product
What I'd tell any mom who wants to build something real for herself in 2026

If you've been curious about MLMs, or you're already in one and something feels off, this episode will give you the clarity and the permission you've been looking for.

🎧 Listen now and let's talk about what's actually possible for you.

xoxo,
Rachel
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Join me for my free training to learn the 5-step RESET Framework: Register HERE

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110: Why Budgeting Keeps Failing You (And the Simple System That Actually Works) May 26, 2026

Show notes

You've tried the apps.
You've started the spreadsheet.
You tracked your spending for a week (maybe two) and then life happened. Sound familiar?
Here's what I want you to know: this is not a you problem.
You don't have a discipline problem or a willpower problem.
You have a systems problem.
And in this video, I'm going to show you exactly why traditional budgeting fails smart, capable women... and what to do instead.
In this video you'll learn:
Why traditional budgeting was never designed for your real life
Why restriction-based budgets are nearly impossible to stick to
The 3-bucket system that replaces overwhelming budget categories
How to know exactly what you can spend without tracking every dollar
The simple weekly check-in that keeps you in control without burning out
If you've been stuck in the cycle of trying, stopping, and starting over again — this video is for you.
🎓 Save $400–$600/month on groceries → www.heyrachelcoons.com/class
💛 Ready to build a system for your real life? →www.heyrachelcoons.com/moneyreset2
📲 Follow me:
Instagram: www.instagram.com/heyrachelcoons
Facebook: www.facebook.com/heyrachelcoons
Podcast: The Money Mom Podcast → https://podcasts.apple.com/us/podcast/the-money-mom-podcast/id1737544930
YouTube: youtube.com/channel/UCq9FW_MXIT0OO9ZUqT5AfHw/
#budgeting #moneytips #budgetingforwomen #personalfinance #moneymom #financialfreedom #budgetingmoms #moneysystem #savemoney #financetips

xoxo,
Rachel
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Join me for my free training to learn the 5-step RESET Framework: Register HERE

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109: Why Your Grocery Bill Is So High (And Exactly How to Fix It) May 19, 2026

Show notes

How I Feed a Family of 6 for $350–$400 Every Two Weeks (The SHOP Method)

If you're spending $300, $400, or even $500+ a week on groceries and wondering where all your money is going...this episode is for you.

I'm sharing the exact system I use to consistently spend $350–$400 every TWO WEEKS for my family of six in Northern California, without coupons, without depriving my family, and without spending hours planning.

It's called the SHOP Method, and in this video I walk you through every step:

✅ Shop your shelf FIRST before you spend another dollar

✅ Build a simple meal plan (just 3–4 meals — that's it)

✅ Order groceries online to eliminate impulse spending

✅ Space out your grocery trips to save more money automatically

If you're stuck in the paycheck-to-paycheck cycle and grocery spending feels out of control, this is the fastest way to free up real money in your budget... this month, not someday.

🎓 Want the full SHOP Method deep dive? Grab my free training here → [LINK]

—

⏱ TIMESTAMPS

0:00 – What I spend feeding a family of 6

1:30 – The Monday morning grocery store trap

4:00 – Why nothing seems to change (it's not your fault)

6:00 – What actually works: the SHOP Method

7:00 – Step 1: Shop your shelf

9:30 – Step 2: Have a plan

11:00 – Step 3: Order online

13:30 – How to start this week

—

xoxo,
Rachel
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Join me for my free training to learn the 5-step RESET Framework: Register HERE

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108: The Real Reason You're Still Stressed About Money (It's Not What You Think) May 12, 2026

Show notes

You've tried the budgets. You've downloaded the apps. You've tracked the spending.

And you're still stressed.

Here's what nobody is telling you: the problem isn't the numbers. It's what's happening underneath them: the thoughts, the energy, the emotions you bring to every money decision you make.

In this video, I'm breaking down exactly why that is, and what actually needs to shift first before anything else can change.

You'll learn:

Why your mindset is driving your financial decisions (usually without you realizing it)
The real reason avoidance is making your money situation worse
3 simple things you can do this week to start shifting your energy around money

This isn't about doing more or being more disciplined. It's about thinking differently and letting the numbers follow.

👉 Watch my free training — Why Budgets Don't Work for Your Money and What Does: [LINK]

xoxo,
Rachel
---
Join me for my free training to learn the 5-step RESET Framework: Register HERE

CONNECT WITH RACHEL
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107: The Student Loan Strategy Nobody Wants to Talk About May 05, 2026

Show notes

We have $350,000 in student loans...and we're not paying them off early.

When I posted about this on Instagram, the comments were a lot.

So I decided to break down exactly what our strategy is, why we made this decision, and the math behind it.

This isn't about getting a handout. It's about being intentional with debt instead of reactive.

In this video I cover:

Why we chose an income-driven repayment plan over aggressive payoff
How the 20-year forgiveness program actually works
The tax bill that comes with forgiveness (and how we're saving for it)
Why compounding investments beat a 6% linear return on debt payoff
What this means for YOU — whether you have student loans or any other kind of debt

xoxo,
Rachel
---
Join me for my free training to learn the 5-step RESET Framework: Register HERE

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106: 5 Ways to Create a New Money Future Apr 28, 2026

Show notes

Most moms think creating a better financial future means budgeting harder or making more money… but what if that’s not actually the problem?

In this episode, I’m walking you through the exact 5-step process that completely changed my relationship with money, and has helped thousands of moms move from stress and anxiety to feeling safe, confident, and in control.

After years of living paycheck to paycheck (even once we were making six figures), I realized the real issue wasn’t the numbers… it was my identity, my beliefs, and my relationship with money.

Inside this episode, you’ll learn how to:

Let go of the past money stories that are keeping you stuck
Get crystal clear on what your future with money actually looks and feels like
Set powerful intentions that align with who you want to become
Identify and rewire the subconscious beliefs sabotaging your progress
Take aligned action that finally creates lasting change

This isn’t about more discipline or willpower. It’s about becoming the version of you who naturally creates a peaceful, confident financial life.

If you’ve ever felt like no matter how much you make, you still feel stressed about money… this episode is for you.

🎧 Ready to go deeper? I also share how you can join my free training where I walk you through my full reset framework and help you start rewiring your money beliefs right now.

CLICK HERE for my FREE training

xoxo,
Rachel
---
Join me for my free training to learn the 5-step RESET Framework: Register HERE

CONNECT WITH RACHEL
Instagram | Facebook | YouTube | Website

105: You Make Good Money… So Why Are You Still Stressed? Apr 14, 2026

Show notes

You’d think making six figures would finally make you feel secure with money… but what if it doesn’t?

In this episode, I’m breaking down why more income isn’t actually the solution to feeling stressed, anxious, or “bad” with money... and why so many women are still struggling, even at higher income levels. I’m sharing the “leaky bucket” analogy to help you see exactly where your money is slipping away (and why it keeps happening on autopilot).

We’ll talk about the real reasons behind overspending, lifestyle creep, and emotional spending, and how your nervous system, beliefs, and identity are quietly running the show behind the scenes.

Because the truth is: no amount of money will fix a broken relationship with it.

If you’ve ever wondered why your numbers look fine… but it still doesn’t feel good, this episode will connect the dots and show you where to start.

✨ Inside this episode:

Why more money doesn’t equal more security
The 5 “holes” draining your finances (without you realizing it)
How your nervous system and identity shape your money habits
What actually needs to shift to feel calm, confident, and in control

This is deeper than budgeting. This is about finally feeling safe with your money.

xoxo,
Rachel
---
Join me for my free training to learn the 5-step RESET Framework: Register HERE

CONNECT WITH RACHEL
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104: My GLP-1 Update: What No One Talks About Apr 07, 2026

Show notes

Today’s episode is a personal update you’ve been asking for.

A few months ago, I shared my experience starting a GLP-1—and since then, my DMs have been full of questions about what’s changed, what I’m still doing, and how I’m feeling now.

In this episode, I’m giving you an honest, real-life update on my peptide journey, where I’m at today, why I chose to continue, and the biggest differences I’ve experienced over time.

We talk about:

Why I’m still microdosing tirzepatide
The unexpected benefits beyond weight loss
The additional peptides I’ve added (and why)
What I’ve learned about energy, sleep, and muscle growth
Common side effects (like hair loss) and what might actually be causing them
Why this isn’t a “magic fix” and what still matters most

This is not medical advice... just my personal experience and what’s been working for me.

If you’ve been curious about GLP-1s, peptides, or just wanted a real update from my journey, this episode is for you.

And if you still have questions, send me a message on Instagram. I’m always happy to share what I can.

Check out my full GLP-1 story here:
Episode 72

xoxo,
Rachel
---
Join me for my free training to learn the 5-step RESET Framework: Register HERE

CONNECT WITH RACHEL
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103: Your Subconscious Is Controlling Your Money… Here’s How W/Megan Blacksmith Mar 31, 2026

Show notes

If you’ve ever felt like you’re making money… but it just disappears, this episode is going to click.

In this conversation with NLP trainer Megan, we break down:

Why money comes in and goes right back out
The subconscious patterns running your financial decisions
How your beliefs about money were formed (and how to shift them)
A powerful “money = water” metaphor that will completely change how you think about budgeting

This episode will help you stop blaming yourself and start understanding what’s actually going on beneath the surface.

Because when you create safety with money… everything starts to change.

If you loved this episode, register for my free masterclass happening soon: www.heyrachelcoons.com/moneyreset

Catch Megan's "Metaphor to Millions" training HERE

xoxo,
Rachel
---
Join me for my free training to learn the 5-step RESET Framework: Register HERE

CONNECT WITH RACHEL
Instagram | Facebook | YouTube | Website

102: Why You Still Feel Broke (Even If You Have Money) Mar 24, 2026

Show notes

Have you ever looked at your bank account and thought… “Why do I still feel broke?”

The bills are paid. Your income might even be decent. But somehow, money still feels stressful, tight, and like it’s constantly slipping through your fingers.

In this episode of the Money Mom Podcast, I’m breaking down why you can have money and still feel broke—and what’s actually going on beneath the surface.

Because here’s the truth most financial advice won’t tell you:
👉 It’s not just about how much money you make.
👉 It’s about how safe you feel with the money you already have.

Inside this episode, we’re diving into:

Why making more money doesn’t fix financial stress
The hidden reason your money keeps “disappearing”
How emotional spending is quietly keeping you stuck
The difference between reactive vs. intentional spending
How to stop feeling broke—even before your income changes

If you’ve ever found yourself:

Overspending on Amazon, Target, or takeout
Wondering where your money went at the end of the month
Feeling guilty, stressed, or anxious about money
Or stuck in a cycle of “I just need to make more money…”

This episode will completely shift how you see your finances.

Because the goal isn’t just more money…
It’s creating a calm, confident, and intentional relationship with money.

And that starts today.

If this episode resonated with you, make sure to subscribe and share it with a friend who needs to hear this.

And if you’re ready to feel more in control of your money (without restriction or overwhelm), register for my free LIVE training next week! 💛
JOIN US HERE

Keywords: budgeting for moms, why do I feel broke, emotional spending, money mindset, financial stress, grocery budgeting, intentional spending, stop overspending, personal finance for moms, money habits, scarcity vs abundance

xoxo,
Rachel
---
Join me for my free training to learn the 5-step RESET Framework: Register HERE

CONNECT WITH RACHEL
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