Buy It Right or Buy It Twice: The Smart Girl’s Guide to Spending Intentionally

Ever catch yourself staring at your overstuffed closet thinking, “How did I spend so much and still feel like I have nothing to wear?” Or scrolling your Amazon order history and realizing half of it is basically regret with free shipping? You’re not alone — and you’re definitely not the only one tossing money at quick fixes that don’t last. In this episode of Everyone’s Talkin’ Money, Shari breaks down the timeless truth behind “buy it right or buy it twice.” We’re tossing out the guilt and rewriting your spending strategy — because you deserve purchases that actually hold up and hold meaning. From shoes that save your back to greeting cards that should never cost seven bucks, this episode is your permission slip to blend value and values, spend intentionally, and stop wasting your money on stuff you secretly hate. You’ll walk away knowing:  Where it makes sense to splurge so you’re not replacing junk every year  When “cheap and cheerful” is actually the smarter move  How to build a personal spending filter you’ll actually stick with  Why buying better is really about your future self — not the price tag Ready to spend with confidence and stop the “buy it twice” cycle? Press play — your wallet will thank you. Learn more about your ad choices. Visit megaphone.fm/adchoices

Are Americans sacrificing their financial future for Instagram-worthy experiences? Not quite. In this episode, Mary Hines Droesch, head of Consumer, Small Business & Wealth Management Banking at Bank of America reveals surprising data about how consumers are navigating the tension between rising living costs and their desire to travel and attend live events. You'll discover: Why 74% of Americans still plan summer vacations despite inflation How "destination dupes" are changing the travel landscape The real reason people are choosing road trips over flights (hint: it's not just about money) Why concerts and sporting events have become travel destinations Whether Americans are going into debt to fund their wanderlust Smart strategies for reverse budgeting your next trip You'll walk away learning: The shift from goods to experiences isn't just a trend—it's a fundamental change in how we value money Social media is driving the "escapism economy" more than we realize Americans are proving to be surprisingly resilient and responsible with their finances The rise of "experiential gifts" is changing how families think about spending Whether you're trying to plan your next vacation on a budget or wondering if your travel spending is getting out of hand, this episode offers practical insights backed by real consumer data. Be sure to keep with with Everyone's Talkin' Money by following us on Instagram  @everyonestalkinmoney Learn more about your ad choices. Visit megaphone.fm/adchoices

In this candid conversation, wealth advisor Tiffany Irving shares her journey as the breadwinner in her family while her husband has been a stay-at-home dad for over 20 years. We explore the financial strategies, mindset shifts, and relationship dynamics that make this arrangement work. You’ll walk away learning: How role reversal can accelerate career growth and wealth building Financial protection strategies for stay-at-home partners Navigating judgment and social stigma around non-traditional family roles Money management tips for breadwinner women The importance of financial education and emergency planning Finding the right financial advisor when you're a high-earning woman Protecting yourself legally and financially in relationships with income gaps This episode is perfect for: High-earning women, couples considering role reversals, anyone interested in modern approaches to financial partnerships, and those seeking expert wealth management insights. Be sure to follow us on Instagram @everyonestalkinmoney to keep up with everything Everyone’s Talkin’ Money Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Everyone’s Talkin’ Money, I sit down with Doug Lynam — Marine Corps officer turned monk turned financial advisor — to explore how your Enneagram type influences your financial habits. Doug unpacks how your core personality patterns, fears, and emotional wiring shape everything from your earning style to your giving habits. You’ll walk away learning: Why your Enneagram type can help you stop self-sabotaging your financial goals How money wounds form — and why they show up in your daily spending, saving, and earning choices What “money monsters” are and how to spot yours before they take the wheel How to use wealth as a force for good and break generational cycles of money trauma Doug also shares powerful insights from his upcoming book Taming Your Money Monster: 9 Paths to Money Mastery with the Enneagram, including practical ways to identify your type and create a plan for ethical wealth building. Pre-order now for July 2025. Get Doug’s first book From Monk to Money Manager: A Former Monk’s Financial Guide to Becoming a Little Bit Wealthy-and Why That’s Okay Stay in the know with everything ETM by following us on Instagram @everyonestalkinmoney Learn more about your ad choices. Visit megaphone.fm/adchoices

In this deeply honest episode of Everyone’s Talkin’ Money, Shari sits down with Dr. Rachel Piltch-Loeb — public health expert and author of The Millennial Caregiver — to explore the hidden reality of caregiving during the busiest years of your life. You'll walk away learning: You’re not alone — why millennials are increasingly becoming caregivers and why it feels so shocking How to have critical conversations with aging parents early, before a crisis hits Practical strategies for balancing caregiving, parenting, and work without burning out The financial truths of caregiving — what you need to budget for now and how to set boundaries Skills caregiving builds that you should add to your resume How to use social media thoughtfully on your caregiving journey Whether you’re already in a caregiving role or know it’s on the horizon, this episode will help you feel seen, supported, and prepared. Buy Rachael’s Book: The Millennial Caregiver: Caring for Loved Ones in the Busiest Years of Your Life Learn more about Rachael at: https://www.rpiltchloeb.com/ Stay up to date with everything Everyone’s Talkin’ Money on Instagram at  @everyonestalkinmoney Learn more about your ad choices. Visit megaphone.fm/adchoices

What happens when you get everything you thought you wanted—and you still feel exhausted, invisible, or like it’s not enough? In this episode, I sit down with executive coach, author, and chronic illness advocate Amina AlTai to talk about the ambition trap that so many women find themselves stuck in. We’re talking burnout, people-pleasing, invisible labor, and the deeply ingrained systems that convince us our worth is tied to how much we produce. Amina shares insights from her new book The Ambition Trap: How to Stop Chasing and Start Living, including why redefining ambition is key to healing, how codependency and chronic overachievement are related, and what high-performing women often get wrong about success. If you’ve ever felt like you're doing everything and it’s still not enough—this conversation is your wake-up call and your permission slip to do it differently. In this episode, you'll walk away learning: How the cultural definition of ambition keeps women stuck in burnout cycles Why burnout isn’t a personal failure—it’s a systemic setup The hidden cost of invisible labor, especially for women and mothers How your core wounds shape your ambition, your money mindset, and your relationships A practical framework to move from painful ambition to purposeful ambition Why even women who “have it all” still struggle to believe in their zone of genius—and how to reclaim it Follow Amina on Instagram @aminaaltai Stay up to date with everything Everyone's Talkin' Money on Instagram @everyonestalkinmoney Learn more about your ad choices. Visit megaphone.fm/adchoices

What if this summer wasn’t just about Aperol spritzes and beach days—but also about building the kind of wealth that sticks? In this solo episode, Shari kicks off your Rich Girl Summer with real-talk financial and lifestyle moves that boost your net worth and your peace of mind. Forget the hype around luxury for show—this is about intentional habits, small wins, and making your future self proud. You’ll walk away with: A smarter system for managing your bank accounts and subscriptions Easy, impactful upgrades to your Roth IRA, emergency fund, and insurance Practical tips for decluttering your closet, your calendar, and your mind Low-key life tasks that save you real money (like getting your taxes in order now) Mindset shifts that turn therapy, boundaries, and maintenance into financial power moves This isn’t about deprivation—it’s about alignment. And it’s your permission slip to spend your summer building a life that feels rich in every way. Follow the show on your favorite podcast app so you never miss an episode. Leave a quick rating and review to help us reach more amazing listeners. Keep the conversation going on Instagram @everyonestalkinmoney. Remember: Money should be a tool to live life on your term Learn more about your ad choices. Visit megaphone.fm/adchoices

If wealth is up, why is happiness down? In this soulful episode of Everyone’s Talkin’ Money, Shari sits down with educator and award-winning author Jeff Golden to explore one of the biggest contradictions in modern life: we have more money than ever, yet we’re more disconnected and unfulfilled. Drawing from his book Reclaiming the Sacred, Jeff shares how we’ve been conditioned to chase the wrong things—and how to realign with what truly matters. You’ll hear: Why money only accounts for 2–4% of happiness What really drives our well-being (and it’s not what you think) How our culture of consumption is numbing us, not fulfilling us What “enough” actually looks like—and how to know when you’ve reached it Why micro-actions are more powerful than big life overhauls How to model a healthier money narrative for your kids (and yourself) Reclaiming the Sacred, Healing Our Relationships with Ourselves and the World was named Best Environmental Book of 2023 by IndieReader, and winner of the Grand Prize at the Nautilus Book Awards (previous winners include the Dalai Lama, Brené Brown, and Barbara Kingsolver). Buy Jeff's Book: Reclaiming the Sacred Follow us on Instagram: @everyonestalkinmoney Learn more about your ad choices. Visit megaphone.fm/adchoices

What if you’re not broke—you’re just pre-rich? In this powerhouse episode of Everyone’s Talkin’ Money, Shari sits down with Rachel Rodgers—CEO and founder of Hello Seven, wealth coach to thousands, and bestselling author of We Should All Be Millionaires and her latest, Future Millionaire—to talk about what it really takes to create wealth in a world that wasn’t built for you. Rachel is a trailblazer helping women, BIPOC, and LGBTQIA communities build seven-figure businesses and dismantle the generational cycle of overworking and under-earning. Her latest book, Future Millionaire, is designed to empower the next generation with the tools, mindset, and strategy to make wealth inevitable—and trust me, it’s not just for the teens. You’re going to want this roadmap too. We talk about abundance without delusion, raising money-smart kids in a cashless world, and how to finally stop shrinking your dreams to fit your paycheck. YOU’LL WALK AWAY LEARNING: Why Rachel says wealth is a choice—but not without calculated risk How to talk to your kids about money in a way that’s real, relatable, and builds financial confidence Why Gen Z isn’t lazy—they’re overwhelmed, and what they need instead of shameHow to use a job as seed capital—not a financial destination What Rachel means by “million dollar decisions” and how to start making them now How parents can shift from financial gatekeepers to financial guides Why saving isn’t the only goal—and sometimes spending is the smarter move What it takes to build wealth as an adult when you feel like you’re already behind The money conversations every family needs to start having ASAP CONNECT WITH RACHEL RODGERS: Website: https://www.helloseven.co Instagram: @rachrodgersesq Book: Future Millionaire (Available wherever books are sold) More Books & Resources: We Should All Be Millionaires, Million Dollar Habits, Plan Your Year Like a Millionaire, Six Figure Side Hustle Follow the show on your favorite podcast app so you never miss an episode! Please leave a quick rating and review to help us reach more listeners like you Keep the conversation going on Instagram @everyonestalkinmoney And remember: money should be a tool to live life on your terms—not a source of guilt or confusion Learn more about your ad choices. Visit megaphone.fm/adchoices

You’ve got the budget app. You’re reading the personal finance books. You know what you should be doing with your money—so why does it still feel so hard to follow through? In this episode of Everyone’s Talkin’ Money, Shari breaks down six sneaky psychological biases that shape your money decisions without you even realizing it. From anchoring to optimism bias, these aren’t personal flaws—they’re predictable brain glitches. But once you spot them, you can stop them. You’ll walk away understanding: What anchoring bias is and why it makes that $100 dress feel like a steal (when it’s not) Why the fear of losing money feels worse than actually losing it—and how that keeps you stuck How your brain protects old money stories through confirmation bias Why instant gratification keeps winning, even when your future self is begging you to chill How optimism bias tricks you into thinking “next month” will magically fix everything Why social proof bias is fueling lifestyle creep—and what to do instead This is the episode that will make you pause mid-scroll, mid-spend, or mid-self-doubt and say, “Ohhhh, that’s what’s going on.” If any of these biases hit home, share the episode with a friend and DM Shari @everyonestalkinmoney to keep the conversation going Learn more about your ad choices. Visit megaphone.fm/adchoices