The Money Mom Podcast

Latest Episodes:

101: What Real Money Coaching Sounds Like: Budgeting, Curveballs, and Money Mindset Mar 17, 2026

Show notes

In today’s episode, I’m doing something a little different. I’m sitting down with Jenna for a real, unfiltered coaching conversation about the money struggles so many women face but don’t always talk about out loud.

We talk about how to budget without feeling restricted, what to do when unexpected expenses hit, and why money stress is often about so much more than the numbers. This conversation gets into the real emotions behind spending, debt payoff, fear, freedom, family, and learning how to trust yourself with money.

If you’ve ever felt like you know what to do with your money but still struggle to actually feel calm and confident doing it, this episode is for you.

Jenna's podcast: How One Mom Paid off $42,000 of Debt in Just 12 Months!

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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100: It Started with Groceries… And It Became So Much More Mar 10, 2026

Show notes

🎉 Episode 100 of The Money Mom Podcast! 🎉
Today’s episode is extra special because we’re celebrating our 100th episode with a real-life Money Mom Club member story—one that so many moms are going to see themselves in.

I’m joined by Stephanie Griffin, a mom of two (including a teen boy + a college kid!) who moved from the East Coast to California and found herself overwhelmed by the cost of living, inflation, and the never-ending “feed everyone all day” cycle—especially after COVID hit.

In this conversation, Stephanie shares:

How she went from burned out + stressed about food/groceries to feeling organized and confident again
The mindset shift from “I never have enough” (even when the pantry is full) to a calmer, more abundant relationship with money
Why grocery delivery (yes, even if it costs money!) became a time-freedom game changer
How Shop the Shelf challenges helped her actually use what she already had and waste less (“cash in the trash” 😅)
The ripple effect this had on her family—more teamwork, less stress, and better money conversations
And how her language with her kids changed from “we can’t afford that” to “we’re choosing to spend differently right now” (😭 so good)

If you’ve been wondering if change is possible for you—especially if you’re already “good with budgeting” but still feel that underlying money stress—this episode is your reminder: you don’t have to overhaul everything overnight. You just need a starting point… and a simple system that actually works in real mom life.

💛 Want to ask a question or connect? DM me on Instagram or email me—I’m cheering you on.

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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99: Money Isn’t Ruining Your Marriage (Here’s What Is) Mar 04, 2026

Show notes

Money isn’t ruining your marriage...but the way you’re approaching it might be.

If conversations about finances with your spouse feel tense, frustrating, or like you’re speaking two different languages, you are not alone. Nearly 50% of divorces involve money issues, but it’s rarely about the numbers.

In this episode, I share how Brad and I shifted from subtle tension and scarcity thinking to feeling truly aligned and at peace around money. And it didn’t happen because we made more income... it happened because we changed our mindset.

You’ll learn:
• Why you and your spouse see money differently
• How to get curious instead of defensive
• 3 practical steps to get on the same page
• How to build a money plan together, without power struggles

If you’re ready to stop letting money create distance in your marriage and start feeling like a team again, this episode is 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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98: How I Feed a Family of 6 for $700 a Month (Without Coupons, Deprivation, or 5 Stores) Feb 23, 2026

Show notes

I’m about to say something that might sound crazy…

I only spend $300–$350 every two weeks on groceries for my family of six.
That’s about $700 a month — in Northern California.

And no — we are not living on rice and beans.
No — I’m not clipping coupons for 10 hours a week.
No — I’m not driving to five different stores chasing sales.

In fact, we’re eating better than we were when we were spending $400+ a week.

If you’re a busy mom who:

Feels completely out of control with grocery spending
Ends up back at the store three times a week
Swipes your card and feels your stomach drop at checkout
Wonders how you make decent money but still have nothing left

This episode is for you.

Because here’s the truth:
If you can get your grocery budget under control, everything else with your money gets easier.

We’re talking about freeing up $600–$800 per month that could go toward:

Paying off debt
Building an emergency fund
Taking your family on vacation
Finally stopping the paycheck-to-paycheck cycle

In this episode, I walk you through:

Why most grocery savings strategies fail
The biggest mistake families make at the store
How food waste is secretly draining 30% of your budget
The simple system I use (The Shop Method) to cut grocery spending in half
Why two-week shopping saves both time and money
How to stop those midweek “oh crap” grocery runs

You don’t need extreme couponing.
You don’t need deprivation.
You don’t need more overwhelm.

You need a simple, repeatable system.

And I’m breaking it down for you today.

If you’re ready to finally feel in control of your grocery spending — and use that money to change your financial future — hit play. 🎧

Join my free class to learn EXACTLY how I use the SHOP Method to save over $600 a month on groceries: CLICK HERE

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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97: How Much Should You Spend on Groceries? (And How to Cut $800 a Month) Feb 16, 2026

Show notes

If you’ve ever Googled “How much should I spend on groceries?” and felt more confused than before… this episode is for you.

There are a million answers out there, $100 per person, $200 per person, “it depends where you live”... but what you really want to know is:

👉 Am I spending too much?
👉 And if I am… how do I fix it without feeding my family rice and beans every night?

In today’s episode, I’m breaking down:

The average grocery spending in the U.S. (and Canada)
The real number you should aim for per person
The 3 biggest reasons families overspend
How to figure out if you’re overspending
Simple shifts that can cut hundreds (even $800+) per month

Most families don’t realize how much money is quietly leaking out of their grocery budget. And the truth? Groceries are often the fastest and easiest place to free up cash, especially if you're trying to pay off debt or create margin in your budget.

I’ll walk you through how to:
✔ Track your real spending
✔ Set a realistic per-person goal
✔ Meal plan without overwhelm
✔ Stop wasting 30% of your food
✔ Reduce impulse grocery trips

And if you want the full step-by-step system, you can join my free class where I teach my signature SHOP Method from start to finish.

CLICK HERE TO JOIN

Because saving money on groceries doesn’t have to mean deprivation. It just means intention.

Let’s get into it.

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

CONNECT WITH RACHEL
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96: The #1 Money Habit That Changed Everything for Our Family Feb 09, 2026

Show notes

There’s one money habit that completely changed everything for my family... and it’s probably not what you think.

It wasn’t budgeting.
It wasn’t meal planning.
It wasn’t cutting out coffee or canceling subscriptions.

Those things can help… but they weren’t the thing that actually moved the needle.

In this episode of the Money Mom Podcast, I’m sharing the one simple question my husband and I started asking before every single purchase, and how that tiny pause transformed the way we spend, save, and make decisions as a family.

You’ll learn:

The exact question that stopped our autopilot spending
Why most money problems aren’t about income—but misalignment
How this habit saves hundreds of dollars without feeling restrictive
Why clarity around your goals changes everything
How to spend money without guilt when it actually aligns with what matters to you

If you’ve ever wondered why you know your goals but still feel stuck… or why progress feels so hard even when you’re “doing all the right things,” this episode will connect the dots.

This is a small shift—but it has massive long-term impact.

Press play and let’s change the way you think about spending. 💛

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

CONNECT WITH RACHEL
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95: Why You Keep Self-Sabotaging Your Money (And How to Stop) Feb 02, 2026

Show notes

Have you ever made real progress with your money... only to turn around and undo it? You finally get groceries under control… then spend $300 at Target. You pay off a credit card… and rack it right back up. You save money… and suddenly it’s gone.

It feels like bad luck or bad timing, but it’s not. It’s self-sabotage.

In this episode of the Money Mom Podcast, Rachel breaks down what’s actually happening in your brain when you sabotage your financial progress, why it keeps happening (even when you’re doing “everything right”), and how your subconscious beliefs around money are quietly running the show.

You’ll learn:

What financial self-sabotage really is (and what it isn’t)
Why progress with money can feel unsafe to your brain
How childhood experiences and learned beliefs impact your spending today
Real-life examples of self-sabotage with groceries, savings, debt, and income
The 5 steps to start rewriting your subconscious money patterns
How to stop the cycle without shame, guilt, or perfectionism

If you’ve ever thought “Why do I keep doing this?” or “What’s wrong with me?” — this episode will change the way you see yourself and your money.

You’re not bad with money. You’re not broken. You just have old programming—and now you can change it.

🎧 Tune in and let’s break the cycle together.

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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94: The Health Insurance Episode: All Your Options + How to Save Thousands Jan 26, 2026

Show notes

Tired of paying sky-high premiums for health insurance? In this episode, Rachel Coons breaks down all your health coverage options... from traditional insurance and marketplace subsidies to cost-sharing plans that could save you thousands every year.

As a former licensed health insurance agent, Rachel shares insider knowledge about the four main ways to handle health coverage in America. She explains why health insurance became so expensive, what most people don't know about their options, and how her family saves over $15,000 annually using an alternative to traditional insurance.

What You'll Learn:

Why health insurance costs are so high (and why you might be overpaying)
The pros and cons of employer coverage, marketplace plans, and going without insurance
How cost-sharing plans work and whether they're right for your family
Real-world example: How Rachel's family handled a $17,000 emergency room bill
Who should (and shouldn't) consider alternatives to traditional insurance

Whether you're a small business owner, self-employed, or just frustrated with your current premiums, this episode will help you make an informed decision that works for your family's health needs and budget.

Christian Health Ministries (cost-sharing plan with 50% off first month available) Click here to learn more about the cost sharing plan Rachel recommneds

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

CONNECT WITH RACHEL
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93: Impulse Buying Isn’t the Problem (This Is) Jan 19, 2026

Show notes

In this episode of The Money Mom Podcast, we’re breaking down one of the most misunderstood money behaviors: impulse spending. If you’ve ever told yourself you just need “more discipline,” this conversation is going to change everything.

Instead of shaming habits like Target runs, late-night TikTok shopping, or drive-through treats, we’re getting to the real root of why impulse purchases happen in the first place. Spoiler: it has nothing to do with budgeting better... and everything to do with unmet emotional needs.

You’ll learn why traditional financial advice gets this wrong, how impulse spending actually works in your brain, and what to do instead, without guilt, restriction, or deprivation.

In this episode, we cover:

Why “just stop impulse buying” is terrible financial advice
The emotional reason impulse spending feels so good (and why it never lasts)
The 7 emotional needs that most impulse purchases are really trying to meet
How stress, boredom, deprivation, identity, control, and connection show up in your spending
Why awareness, not restriction, is the first step to lasting change
How to start budgeting for your emotional needs instead of fighting them

If you’ve ever felt confused, ashamed, or frustrated by your spending habits, this episode will help you feel seen, and give you a completely new lens for understanding your relationship with money.

Because your impulse buys aren’t random.
And once you understand what’s underneath them, everything changes.

🎧 Listen in, and if this episode resonates, don’t forget to leave a review, it helps us keep creating deeper, more meaningful conversations about money.

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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92: How to Set Money Goals That Actually Stick (and Lead to Real Success in 2026) Jan 12, 2026

Show notes

Have you ever started the new year determined to “finally get your money together”… only to feel burned out, discouraged, or back in the same place a few months later?

In this episode of The Money Mom Podcast, Rachel breaks down why most financial goals don’t stick, and it has nothing to do with discipline, motivation, or willpower.

Most money goals are created from panic, shame, or urgency. And while that energy can spark change for a moment, it never lasts, especially for busy moms carrying the mental, emotional, and physical load of family life.

In this episode, you’ll learn:

Why motivation-based and willpower-only goals collapse when real life happens
How to stop setting “panic goals” that create pressure instead of progress
Why money is emotional, and why your goals must account for your nervous system
The difference between outcome-based goals and identity-based goals
How focusing on who you’re becoming leads to lasting financial change
Why doing less, not more, is often the key to momentum
How to create money goals that feel calm, safe, and doable... even in hard seasons

Rachel also shares personal stories from early motherhood, explains why “trying harder” isn’t the answer, and walks you through a gentler, smarter approach to goal setting that works with your life, not against it.

If you’ve struggled to stick with financial goals in the past, this episode is your reminder:
You’re not broken. You don’t need more discipline. You need better systems and a supportive identity.

✨ And if you’re ready to build money goals that actually stick, Rachel shares how you can join Money Mom Club, where moms learn to create sustainable systems, calm their money stress, and feel confident with their finances — without pressure or shame.

You can join for 50% off this week only: www.heyrachelcoons.com/moneymomclubmoney

🎧 Press play and start 2026 with a calmer, more intentional relationship with 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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