The Money Mom Podcast

Latest Episodes:

91: Why Budgeting Alone Keeps Moms Stuck in Money Stress Jan 05, 2026

Show notes

Have you ever downloaded a new budgeting app, opened a fresh spreadsheet, and promised yourself this time will be different... only to fall right back into the same money stress a few weeks later?

You’re not broken.
And you don’t have a willpower problem.

In this episode of The Money Mom Podcast, I’m breaking down why budgeting alone doesn’t actually lead to financial peace, confidence, or debt freedom, and what’s really going on beneath the surface when money systems don’t stick.

We’ll talk about why numbers don’t change habits, how your emotions and subconscious beliefs drive spending, and why so many moms stay stuck in the same cycle even when they “know what to do.”

You’ll also learn about the four money personalities I see most often in moms:

The Avoider who doesn’t want to look at the numbers
The Emotional Spender who shops to cope with stress
The Scarcity Saver who budgets well but never feels at peace
And the Confident Money Mom — the version of you who feels calm, grounded, and in control of her money (without obsession or restriction)

This episode isn’t about shame, restriction, or another spreadsheet.
It’s about understanding why you show up the way you do with money — so you can finally change it.

If you’ve ever felt:

Overwhelmed by budgeting
Stressed about debt
Guilty for spending
Afraid to check your bank account
Or tired of money running your emotions, marriage, or mental space

…this episode will meet you exactly where you are.

✨ And if you’re ready to do the deeper work — combining practical money skills and mindset — I’ll also share how you can join us inside Money Mom Club, a supportive community of women learning how to save, spend, invest, and feel confident with money.

🎧 Press play and let’s stop budgeting around the problem — and finally address the root.

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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90: 5 Money Habits to Leave Behind in 2026 Dec 30, 2025

Show notes

In this episode, we’re unpacking why money avoidance is so common (and why it’s not a personal failure), how your nervous system plays a role in financial stress, and how awareness, not perfection, is the first step to taking your power back.

You’ll hear why:

Avoiding your bank account is actually making the problem worse
Your brain is trying to protect you, but it’s often lying to you about danger
Simply looking at the numbers (without judgment) can start breaking the negative money cycle
Grocery spending is the fastest, least overwhelming place to create real financial momentum
More money won’t fix money problems without a system in place
All-or-nothing thinking is one of the biggest budget killers for busy moms

We also talk about why restriction, no-spend challenges, and perfectionism don’t work long-term, and what does work instead: flexible systems, realistic habits, and progress you can actually sustain in real life.

If you’re heading into 2026 feeling overwhelmed, behind, or stuck in a cycle of stress with money, this episode will help you slow things down, reconnect with your body, and start moving forward—one grounded step at a time.

✨ Plus: I’m sharing details about my upcoming free Money Reset for 2026 workshop, where we’ll break down the 5 pillars busy moms need to stop overspending, get out of debt, and finally feel in control. Without shame or spreadsheets.

👉 Links to the free workshop and my grocery savings classes are here:

www.heyrachelcoons.com/class

You are not starting over.
You’re leveling up.
And you’re more capable than you think. 💛

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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89: From Scarcity to Abundance: Redefining Money Mindset for Moms Dec 22, 2025

Show notes

In this special episode, Rachel Coons shares her transformative journey from financial overwhelm to abundance, as she’s interviewed by Monica Packer at the More for Moms Conference.

Rachel opens up about the emotional side of money, the unique challenges moms face, and how shifting your mindset can bring peace—even when life feels chaotic.

Discover practical tips for saving on groceries, building a healthier relationship with money, and embracing generosity and gratitude.

Whether you’re struggling to make ends meet or simply want to feel more empowered with your finances, this conversation offers hope, actionable advice, and a reminder that you’re not alone.

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

CONNECT WITH RACHEL
Instagram | Facebook | YouTube | Website

88: How to Pay Off Debt When You’re Already Stretched Thin Dec 15, 2025

Show notes

Are you living paycheck to paycheck and wondering how you’ll ever pay off your debt when there’s nothing left at the end of the month? In this episode of The Money Mom Podcast, host Rachel Coons—mom of four and grocery budgeting mentor—shares practical, encouraging strategies to help you make real progress on your debt, even when your budget feels impossibly tight.

Discover why traditional budgeting advice often falls short, how to shift your money mindset, and the power of small “margin moments” that add up over time.

Rachel breaks down actionable steps like finding hidden savings in your grocery budget, choosing the right debt payoff method for your family, and balancing debt repayment with living your life.

If you’re ready to stop feeling stuck and start celebrating every win, no matter how small, this episode is for you. Tune in and learn how to create financial peace, one small choice at a time.

Listen now and join a community of moms cheering you on!

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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87: Attracting Abundance: The Emotional Side of Money Dec 08, 2025

Show notes

Are you a mom ready to transform your money mindset, attract financial abundance, and create lasting wealth for your family?

In this episode of the Money Mom Podcast, host Rachel Coons dives deep into the powerful connection between money, energy, and emotions.

Discover practical strategies for building an abundance mindset, mastering personal finance, and overcoming financial stress.

Learn how your thoughts, beliefs, and energy around money can impact your financial success.

Rachel shares actionable tips for practicing gratitude, managing money with confidence, and breaking free from scarcity thinking. Whether you’re looking to pay off debt, save more, or simply feel empowered in your financial journey, this episode is packed with financial wellness advice, money management tools, and mindset shifts specifically for moms.

Tune in to unlock the secrets of financial freedom, positive money energy, and wealth-building strategies that work for busy moms. Join the Money Mom community and start your journey toward abundance, confidence, and a brighter financial future today!

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

CONNECT WITH RACHEL
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86: Money Lessons Women Were Never Taught... And How to Build Wealth in 2026 With Madison Aldini Dec 01, 2025

Show notes

As we close out 2025 and set our sights on an abundant, empowered 2026, this episode is the perfect way to reset your mindset, refresh your money goals, and learn how to actually build wealth in the new year.

Today on The Money Mom Podcast, Rachel is joined by special guest Madison from New Money Madison. A money + mindset coach who blends neuroscience, personal finance strategy, and manifestation to help women become first-generation millionaires.

Together, we dive into:

💸 How to start 2026 feeling financially strong
🧠 Money mindset shifts that change everything
📈 The simple truth about compound interest, investing, and building wealth
🔥 How to navigate debt, fear, and uncertainty with confidence
🙌 Why women are uniquely powerful investors
💡 What to do now to take advantage of market dips
🛠️ The exact steps to start investing without confusion or overwhelm

Madison also shares her personal story... from moving out at 17 to paying her way through college to completely transforming her financial life and how she now helps women rewrite their money identity and build long-term wealth with ease.

PLUS! Madison will be teaching an exclusive Investing Masterclass inside the Money Mom Club on December 9th. If you’re ready for 2026 to be the year you finally feel confident with your money, you won’t want to miss it.

Connect with Madison:
Instagram: @newmoneymadison
Podcast: Busy Getting Better

Join the Money Mom Club & register for the December masterclass:
www.heyrachelcoons.com/moneymomclubsept

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

CONNECT WITH RACHEL
Instagram | Facebook | YouTube | Website

85: Making the Holidays Magical (Without Breaking the Bank): Stress-Free Tips for a Meaningful Season Nov 24, 2025

Show notes

Feeling overwhelmed by holiday spending, family expectations, and the pressure to create a “perfect” season? In this episode of the Money Mom Podcast, host Rachel Coons shares heartfelt stories and practical strategies to help you reclaim the magic of the holidays—without breaking the bank.
Rachel dives into:

Setting boundaries around money and energy
Creating meaningful family traditions that don’t cost a fortune
Navigating Black Friday and holiday sales with intention
Communicating your financial goals with loved ones
Focusing on presence, connection, and giving back

Tune in for inspiration, relatable stories, and actionable tips to make this holiday season joyful, intentional, and stress-free. Whether you’re looking to avoid January remorse or simply want to bring more peace and meaning to your celebrations, this episode is for you! Listen now and start creating the holiday season you truly want.

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

CONNECT WITH RACHEL
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84: Which Grocery Store Should You Shop At? Nov 17, 2025

Show notes

Which Grocery Store Should You Shop At? (And Why It Might Not Matter As Much As You Think)

If you’re trying to spend less on groceries every month, where you shop does matter, but not nearly as much as how you shop.

In this episode, Rachel breaks down the pros and cons of different types of grocery stores. From discount stores like Aldi and WinCo to big box retailers, warehouse clubs, and organic markets and reveals which ones can truly help you save. You’ll learn why the secret to slashing your grocery bill isn’t about chasing the lowest prices, but about creating a simple, sustainable system that fits your family’s lifestyle.

If you’re ready to grocery shop smarter (not harder), this episode will help you find your perfect store strategy without the stress or overwhelm.

👉 Learn The SHOP Method in Rachel’s free training here: [CLICK 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

83: How to Save Enough on Groceries to Pay for Christmas Starting NOW Nov 10, 2025

Show notes

🎄 The holidays are coming fast... and if you’re already stressing about how to pay for all the gifts, gatherings, and extra expenses without adding to your credit card balance, this episode is for you.

Inside, Rachel breaks down real, actionable steps you can take starting today to free up cash for Christmas, simply by adjusting how you shop for groceries. You’ll learn how to:
✅ Cut your grocery bill by 30–50% without sacrificing quality
✅ Meal plan using what’s already in your pantry and freezer
✅ Avoid food waste and impulse buys
✅ Create a grocery strategy that funds your holiday spending

By the end, you’ll see how your grocery budget can actually pay for Christmas... no extra income required.

Tune in for practical, mom-friendly tips that can help you head into the holidays with peace, confidence, and money left in the bank.

🎧 Listen now and start saving for a stress-free Christmas!

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

CONNECT WITH RACHEL
Instagram | Facebook | YouTube | Website

82: The Three Shifts Every Mom Needs for Confidence and Calm with Megan Caldwell Nov 03, 2025

Show notes

Today on the Money Mom Podcast, Rachel sits down with transformational coach and Rockstar Mom founder Megan Caldwell to talk about ditching burnout, perfectionism, and people-pleasing so you can create a life that actually feels good. Megan shares why “balance” is often a trap and how to pursue alignment instead. Plus the simple foundations that help busy moms reclaim energy, presence, and peace.

You’ll learn:

The difference between chasing balance and living in alignment
How to build a personal foundation of priorities, values, and vision
The “Fab Five” well-being habits and how mindset work makes them stick
Ways to regulate your nervous system so you respond instead of react
Why community and real accountability make change sustainable

We also chat about the Rockstar Mom Virtual Event where Rachel is a featured speaker. It’s free to join, packed with actionable sessions, and comes with generous gifts from each presenter.

Links & Mentions

Rockstar Mom Virtual Event: https://megancaldwellpdx.com/therockstarmom2025/rachelcoons
Connect with Megan: Rockstar Mom Podcast, Instagram @megancaldwellpdx
Website: www.megancaldwellpdx.com
Connect with Rachel: Money Mom Podcast and Money Mom Club

If you’re ready to trade overwhelm for alignment and start leading your family from a calmer, more confident place, this conversation is for you. Subscribe, share with a friend, and let us know your favorite takeaway.

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

CONNECT WITH RACHEL
Instagram | Facebook | YouTube | Website

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