Generational Money Stress: A Path To Healing | HDM 428

Have you ever had that weird moment where you realize your money habits aren’t entirely yours? That maybe, just maybe, you’re playing out a script written long before you were born? That’s the exact realization this week’s HDM guest had a few years ago. In this episode, I have a vulnerable and insightful conversation with Antuanett Lopez, where we talk about money stress, her journey from Peru to the US, and the impact this has had on her financial decisions. Let’s jump right in!More often than not, money stories have nothing to do with factual, very much in-your-face numbers; it's about the emotions, the unspoken fears, and the silent lessons we carry. Those first impressions, the ones we often don’t even realize are there, can shape our financial lives in ways we never imagined (yes, money stress is a thing). A simple phrase overheard, a look of stress on a parent’s face, these tiny moments become the foundation of our relationship with wealth. They whisper stories of scarcity or security, fear or freedom, long before we ever balance a checkbook. It’s this undercurrent, the emotional weight behind the numbers, that truly drives our decisions.Understanding how our money stories came to be and how they have shaped our decisions is something that is crucial to reshape our financial futures. This is why, in this week’s HDM episode, we delve into the intricate connections between our upbringing, cultural influences, and the money stress that, more often than not, brings unconscious narratives into our financial lives.Antuanett Lopez is a bilingual mental health therapist dedicated to providing culturally competent care that supports personal development and healing through connection, education, and self-awareness. Antoinett has a private practice with a mission to create healthier generations and focuses.In this episode you will learn: The connection between money, survival, sacrifice, and silence in many Latino families.Antoinett Lopez's journey from Peru to the US and the financial challenges she and her mom faced.The weight of generational expectations and the role of therapy in healing money wounds.For a quick recap of this episode go to https://www.jenhemphill.com/428The post, Generational Money Stress: A Path To Healing | HDM 428 appeared first on the Her Dinero Matters Podcast. Get the clarity, confidence, and tools you need to build the foundations of your personal (and shame-free!) financial plan with my new course. Learn more here: jenhemphill.com/moneyclarity and get 10% with the code REINA!

Have you ever caught yourself reflecting on a past event, only to realize how much your current life situation has changed? Not only that: in hindsight, you can now see how this experience has fundamentally altered the way you understand yourself and your life. If you find yourself nodding along, this episode's journey on resilience and reinvention might just resonate with you. Join me as I welcome back Jackie Velez for a conversation about navigating life-altering shifts and discovering true abundance through adversity.We tend to map out our lives with certain assumptions, believing we know how we'll face major challenges. We imagine ourselves responding with grace, logic, and strength. However, life rarely unfolds according to these plans. Reality often presents circumstances that are much more intricate and transformative than we could have predicted. These events can challenge the core of who we think we are and how we view the world. So, let me ask you this: can you truly picture yourself handling the aftermath of a completely unexpected event? An event that throws your routines into disarray and forces you to question everything you believed to be true about yourself? Can you imagine your relationships, values, and even your definition of what it means to be successful undergoing a fundamental shift after such a disruption?If the thought feels overwhelming, you're not alone. Life's unexpected turns are a universal experience, and the path to navigating them is rarely straightforward —the insights and lessons often unfold along the way. To truly bring this point home, in this week’s HDM episode, Jackie Velez is back on the podcast to share how her life took an unexpected turn following a significant car accident. In this convo, she shares her journey from scarcity to abundance unfolds through music, community, and raw vulnerability.Jackie Velez is a wellness and music practitioner blending music, movement, and neuroscience to guide people into aligned, intentional living. Through a mix of sound journeys, custom meditations, and workshops, she helps others reconnect with their truth. In this episode you will learn: The unforeseen obstacles of dealing with medical systems and financial concerns in a foreign country in the wake of a traumatic event.A powerful transformation from a mindset of scarcity to recognizing the true riches of community and support.How embracing spirituality, music, and deep-seated passions became instrumental in Jacqueline's healing and metamorphosis.For a quick recap of this episode go to https://www.jenhemphill.com/427The post, From Scarcity to Abundance: One Woman’s Journey to Reinvention  | HDM 427 appeared first on the Her Dinero Matters Podcast. Get the clarity, confidence, and tools you need to build the foundations of your personal (and shame-free!) financial plan with my new course. Learn more here: jenhemphill.com/moneyclarity and get 10% with the code REINA!

Have you hit that proverbial midlife stage only to realize that, lately, you just don’t feel like your former self? Or maybe you have experienced a series of symptoms that no medical practitioner can properly explain? If this resonates, perimenopause may be behind it all. In this special episode, Amanda Thebe, a fitness and women’s health expert, will walk us through her personal experiences with perimenopause and why educating ourselves is so crucial. If you are a woman, intuitively you know that perimenopause and menopause are a reality you will someday have to live through. But, if I asked you how that day-to-day reality would look, do you trust your ability to paint a detailed picture? Can you see yourself doing things differently? Changing the relationship you have with not only your body, but also with your beliefs? If the answer is no, no need to panic. Menopause (and its little sister, perimenopause) is a reality every woman will have to walk through, but to this day, awareness around this new life stage (what it entails, how it affects your day-to-day life, how to manage it better, etc) is still in development. This is why, in this week’s episode, I’m having a much-needed conversation with Amanda Thebe, a fitness and women’s health expert who has spent the last 10 years of her career talking and generating awareness about menopause. In this slightly out-of-the-ordinary episode, Amanda will share her experience navigating the stages of menopause and demystify what it means to live through the changes. In this episode you will learn: Why getting proper support from professionals in the medical field is so challenging.The impact that perimenopause can have on your finances (and how to ease the transition).One thing you should know about perimenopause to better prepare for it. For a quick recap of this episode go to https://www.jenhemphill.com/426The post, Perimenopause - The Financial Surprise You Didn’t See Coming | HDM 426 appeared first on the Her Dinero Matters Podcast. Get the clarity, confidence, and tools you need to build the foundations of your personal (and shame-free!) financial plan with my new course. Learn more here: jenhemphill.com/moneyclarity and get 10% with the code REINA!

Have you ever thought "If only I knew X back then, Y would be so different now"? If that's a yes (hello, tendency to revise past events under the light of what you know now) you will love this HDM episode! In this part reflection, part gotcha episode, I'll share 5 money lessons I collected through 5 (!) decades on this planet. Shall we dig in?This week I'm celebrating my 50th birthday and, as the saying says, there are some things you can only learn with age. Unsurprisingly, money lessons fit perfectly within that category.Some people still believe that managing your finances effectively is something you only learn to do through seasons of trial and error. While I believe there’s value to that, my years of experience in this industry have taught me that, to get the most out of your experience, you don’t always have to go through the pain of trying and failing. Money lessons can be learned in gentler ways. This is why, in this special episode, I'll share 5 lessons I've learned over five decades on this planet. The goal? Inspire you to adapt these learnings to your life and start taking action. In this episode you will learn: How your formative experiences shape the way you think about money.How to navigate money and relationships (a tricky mix!)Why your beliefs around money are bound to change over time. For a quick recap of this episode go to https://www.jenhemphill.com/425The post, Money Lessons From Midlife: Five Decades of Takeaways | HDM 425 appeared first on the Her Dinero Matters Podcast. Get the clarity, confidence, and tools you need to build the foundations of your personal (and shame-free!) financial plan with my new course. Learn more here: jenhemphill.com/moneyclarity and get 10% with the code REINA!

Over the past few decade, financial empowerment has been one of the core guiding principles in my mission and business. So when the opportunity to become the Director of Financial Empowerment at Empower, a non-profit organization working with the Hispanic community in Wichita found me in late 2023 something inside me clicked. In this episode, I’ll take you to meet the incredible team behind Empower and share how this experience has re-shaped the way I think about money and community. Shall we dig in?If you’ve been listening to this podcast for a while, you know that financial empowerment lies at the heart of all I do: from the products and educational content I create to every speaking engagement or consulting call I’ve ever been involved with. However, as it happens with all the beliefs and definitions we hold dear, I never really questioned if my definition of financial had room for growth. Not until early in 2024,  life’s twists and turns put me in front of Empower, a non-profit doing grassroots work in a historically Hispanic neighborhood in Wichita. Fast forward a year (and a few months) later. If I had to summarize my experience in a few words, I would only need three words: what a ride!In today’s episode, I want to give you a full BTS into the heart of an organization that is doing incredible work for the Hispanic community and creating some real, lasting empowerment. In this episode you will learn: BTS: Meet the Empower team!How has this experience impacted my understanding of money, purpose, and financial empowerment? What my role was all about and how it has reshaped the way I think about money.For a quick recap of this episode go to https://www.jenhemphill.com/424The post, When Financial Empowerment Meets Community | HDM 424 appeared first on the Her Dinero Matters Podcast. Get the clarity, confidence, and tools you need to build the foundations of your personal (and shame-free!) financial plan with my new course. Learn more here: jenhemphill.com/moneyclarity and get 10% with the code REINA!

Are you among those who believe financial planning is something that only people with big incomes or inherited wealth should do? If so, then you’re not alone. Although planning skills are often seen as a spontaneity killer, the truth is that having a flexible plan under your sleeve is the best way to face uncertain times. In this week’s episode, Elaine King, founder of Family and Money Matters, will share why having a personalized financial plan is so important. Have you ever wondered why uncertain times always hit us so hard? It is a real paradox. Intuitively, we know that life can change at a moment’s notice. We’ve seen friends and family navigate all kinds of rough patches, and if you were around in the 80s, you have also lived through a couple of recessions and economic downturns. Intellectually, we understand that uncertainty and change are a part of life. And yet, when it’s time to develop a plan to navigate the huge waves of this ocean called constant change, some of us still resist. We either feel that no plan will ever be able to prepare us enough for the unknown (so why bother), or we overdo it and end up attempting to forecast every small thing. Hitting the proverbial middle ground feels like an impossible task. This is why, in this week’s podcast, Elaine King, an award-winning certified financial planner, will share what essential mindset shifts you need to implement today to reach your financial goals. In this episode you will learn: How emotions show up in financial planning.Why having a Plan B (and even a plan C) is non-negotiable, How to shift your mindset around money so it works for you and not against you.For a quick recap of this episode go to https://www.jenhemphill.com/423The post, Financial Planning for Uncertain Times | HDM 423 appeared first on the Her Dinero Matters Podcast. Get the clarity, confidence, and tools you need to build the foundations of your personal (and shame-free!) financial plan with my new course. Learn more here: jenhemphill.com/moneyclarity and get 10% with the code REINA!

If you are a small business owner or you plan to become one anytime soon, I can almost guarantee that one of your biggest concerns right now (if not the main concern) is how to make your business profitable in the long term without burning yourself down to the ground. Or some version of this. Well, today is your lucky day!. In this week’s episode, our guest, Dr. Karwanna D. Irving (aka, The Queen of Government Contracts) will share her playbook to do just that. Shall we dig in?Typical advice for new business owners usually emphasizes a few “well-known” things. First things first, being in business is hard –the first few years will feel like an absolute grind (#yikes). Second, you have to start small to test the ground and gain momentum –forget about big contracts in year one. You should focus instead on perfecting our processes. And finally, the most important thing: you need to price yourself competitively –meaning, you have to find a rate that your client is willing to pay. Well, in today’s HDM episode we will be doing a thorough revision of those deep-rooted beliefs because, let’s be honest, every small business owner out there gets into business for similar reasons. Increasing their incomes is an important part of it, but so is taking back control of their time and gaining a sense of personal freedom. Savvy business owners understand that entrepreneurship doesn’t have to mean fulfillment: trading time for money can only take you so far.In this episode, Dr. Karwanna D. Irving, CEO and Founder of She’s Got Goals, author and Government Contracts expert, will share with us her playbook to scale your small business using the power of big contracts.In this episode you will learn: Why following typical business advice is not the best way to scale.The A to Z of getting started with government contracts.The biggest mistakes small businesses make when attempting to secure a government contract.For a quick recap of this episode go to https://www.jenhemphill.com/422The post, Scaling Your Business Through Government Contracts | HDM 422 appeared first on the Her Dinero Matters Podcast. Get the clarity, confidence, and tools you need to build the foundations of your personal (and shame-free!) financial plan with my new course. Learn more here: jenhemphill.com/moneyclarity and get 10% with the code REINA!

If you are among the 44% of Americans who want to get rid of debt in 2025, but you are still not sure what the best way to achieve this goal, this week’s HDM episode is for you. Today, Rachel Hart, founder of Budget, Save and Blog will walk us through the radical debt-repayment plan that allowed her to slash $78,000 in credit card debt in only 1.5 years. Shall we dig in?If you’ve ever tried to set up a truly long-term goal (think at least 3+ years from now), you know that doing this falls perfectly in the proverbial easier-said-than-done category. The main problem? Our brains are wired to privilege short term satisfaction over long term success. Getting an instant $20 cash rebate from a $1000 purchase? Yes, please. Receiving thousands of dollars in ROI after 30 years of investing? Honestly, not that enticing (who is willing to wait 10 long years to see the reward coming, if it ever does?).This is why paying off debt sometimes feels like an impossible quest, especially if the amount of money you have to repay is substantial (to the point where it surpasses by far your current income levels). With such a huge number living in your head all the time, it's easy to feel discouraged, demotivated, and, sometimes, even hopeless. But, what if there was a way around this? What if you could build a plan to slash all your debt in record time? What would be the trade-offs? And most importantly, would you be willing to accept them?Well, this is exactly what we’ll be talking about in this episode. This week we are having a down-to-earth conversation with Rachel Hart, founder of Budget, Save and Blog and host of the Money Moves for Latinas podcast. Back in 2021, Rachel slashed $78,000 in debt in only 1.5 years, a financial feat that must be discussed. In this episode you will learn: Rachel’s radical plan, explained.The trade-offs behind an aggressive debt repayment plan.A key piece of (unconventional) advice for those who are in a debt-repayment journey.For a quick recap of this episode go to https://www.jenhemphill.com/421The post, Fast-Track Your Way Out of Debt | HDM 421 appeared first on the Her Dinero Matters Podcast. Get the clarity, confidence, and tools you need to build the foundations of your personal (and shame-free!) financial plan with my new course. Learn more here: jenhemphill.com/moneyclarity and get 10% with the code REINA!

If you love to plan for things, you already know that thinking ahead has some serious benefits in the mental peace department –when you plan things in advance, you remove some of the uncertainty that our brains tend to associate with all future-related events. In this week’s episode, I’ll share with you what the financial benefits of thinking ahead are and how you can put yourself in future-me thinking mode.You don’t need to specialize in financial forecasting to understand that, when it comes to personal finances, making decisions and planning with your future self in mind has some major advantages. Intuitively, we all know that long-term planning (aka, thinking ahead) coupled with consistency is, admittedly, one of the best strategies out there. However, when you are immersed in the day-to-day grind, where the rhythms of life pulse in a never-ending staccato, it's easy to forget that there’s more to the day than your never-ending to-do list. You also have goals and dreams, future projects and plans that are brewing in the back, a vision of how you want your life to be. And none of that will come to fruition today, or even over the next few days.The only way to access that well of possibilities is by harvesting the power of thinking ahead and planning for your future success. Although every human being is already equipped with all the tools needed to plan and think about their future selves, not everyone knows how to intentionally tap into that pool of possibilities. This is why in today’s episode, I’ll share with you what the benefits of thinking ahead are and how you can put yourself in future-me thinking mode. In this episode you will learn: Five reasons why thinking about your future money self matters.  A practical exercise to start listening to your future money self.A recap of the main lessons that you’ll get once you start thinking about your future money self.For a quick recap of this episode go to https://www.jenhemphill.com/420The post, The Magic of Thinking Ahead: Meet Your Future Financial Self | HDM 420 appeared first on the Her Dinero Matters Podcast. Get the clarity, confidence, and tools you need to build the foundations of your personal (and shame-free!) financial plan with my new course. Learn more here: jenhemphill.com/moneyclarity and get 10% with the code REINA!

Achieving financial stability doesn’t have to feel like an uphill climb all the time. In fact, it’s possible to build a strong financial foundation without feeling overwhelmed by your own numbers (spoiler alert: the whole journey can even be fun!). In today’s episode, Dr. Darla Bishop will share why being “good” with money doesn’t require an advanced degree in economics or superior mathematical knowledge. Shall we dig in?If you are a regular listener of personal finances podcasts, chances are you know someone who is really “good” with money. Meaning: for as long as you’ve known them, this person has never shown visible signs of financial struggle. From ongoing conversations, you know they’ve been working the same job for quite some time, paid their bills consistently, took regular vacations with their families, and even managed to offer support for their college-aged kids. The most surprising thing? You know, for a fact, that generational wealth is not at play here. Your acquaintance didn’t inherit a massive state or is supported by a hefty trust fund. They are a regular, everyday person, with a regular job and half a dozen bills to pay,  just like you. And yet, their lives couldn’t feel more different, and deep down inside, you can’t stop wondering why.What exactly gave them their advantage? What’s at play here? In this week’s episode, we are going to dig deep into this in an open convo with Dr. Darla Bishop, the author of How to Afford Everything, a practical guide for those who are starting to figure out their money. Darla will share her insights on the steps you need to take now to finally become “good” with money. In this episode you will learn: Why small financial wins are so important.How everyday people can attain financial stability (plot twist: it all starts with a mind shift).The real impact of changing your mindset. For a quick recap of this episode go to https://www.jenhemphill.com/419The post, Financial Stability for Everyday People: How To Get There | HDM 419 appeared first on the Her Dinero Matters Podcast. Get the clarity, confidence, and tools you need to build the foundations of your personal (and shame-free!) financial plan with my new course. Learn more here: jenhemphill.com/moneyclarity and get 10% with the code REINA!