If you and your money sat down with a therapist, what would your money say about your relationship? Odds are, your money is stressed and overworked. Too often, high-earning individuals designate their financial livelihood to the next client, the next night shift, or the next gig. They get so caught up in reactive day-to-day money management and mental math that they don’t realize where each dollar is going. In today’s episode, I talk about how $1,000 can turn into $10,000 quickly. Managing finances effectively is much more than paying bills or paying down debt. Without a strategic budget, your money works overtime to cover hidden expenses like Christmas shopping, traveling, and car repairs. To experience true financial freedom, you need to understand your money core. Are you ready to feel the impact of extra money? Listen to get started! Stay tuned to hear insights on these key topics during this episode: [04:05] Stop covering expenses with extra work [07:00] What is a money core? [08:30] Why budgeting is essential [10:00] How $1,000 becomes $10,000 [12:45] How to be okay with spending money outside of paying bills [17:00] What happens once you understand your money core Tune into this episode of Money Files to learn how $1,000 turns into $10,000! Get full show notes and the episode transcript: https://wealthovernow.com/how-1000-turns-into-10000/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now

Today, I am interrupting how you spend money during the holidays. So many of us overspend during the holidays because we are programmed to take advantage of Cyber Monday, Black Friday, and the endless brand deals. There is so much pressure to buy right away or risk losing out.  Stores run sales all year round. Odds are, a special holiday deal will be available later on. So, instead of impulsively buying, take a step back and make a plan before you spend.  This holiday season learn new tools to help you enjoy holiday spending without regret in January when you look at your credit card bill.   Listen in as I share how I monitor my finances during the holidays. I give tips on planning and budgeting so you can give gifts you feel comfortable buying without creating unexpected credit card bills. Holiday shopping doesn’t have to destroy your finances. Tune in to learn how! In this episode, I touch on the following topics: [04:54] Building financial awareness [05:50] Don’t fall victim to the pressure of sales and coupons [09:50] Write down what you want & need during the holiday season [12:58] Budget per person & per gift [18:30] The gift closet [19:35] Giving gifts to yourself Tune into this episode of Money Files to learn how to maintain control of your finances and budget during the holiday shopping season.  Get full show notes and the episode transcript: https://wealthovernow.com/how-to-plan-ahead-and-budget-for-holiday-shopping/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Help me celebrate my 100th episode by leaving a 90-second review sharing your favorite episode and why by November 28th. I can't wait to celebrate with you.

It has been FIVE years since I started my coaching business! What better way to celebrate this milestone than to bring my first-ever client on the podcast? In today’s episode, I sat down with my first money coaching client, Amanda. She shares her money journey, including why she decided to work with me, how she paid off all her debt, and how financial coaching has impacted her life. Amanda also talks about the money tools she still uses, including the budgeting tool she learned when we worked together five years ago. Investing in money coaching is a decision that will change how you manage your finances for the rest of your life! Five years later, Amanda is confidently budgeting, managing her finances, and reaching her money goals as a six-figure earner.     The main points Amanda and I talk about in this episode are: [03:00] Why Amanda started working with Keina [11:45] What does budgeting look like for Amanda now? [22:10] How a spending plan helped Amanda become debt-free [28:44] What Amanda’s money dates look like today [31:45] How does Amanda use credit cards now? [35:23] Goals Amanda has accomplished since working with Keina [36:57] Wealth legacy Tune into this episode of Money Files to learn about the long-lasting impact money coaching has on managing your finances! Get full show notes and the episode transcript: https://wealthovernow.com/then-amp-now-how-is-my-first-coaching-client-managing-her-finances/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Join Keina Newell in celebrating 100 podcast episodes of Money Files by leaving a 90 second review of your favorite episode and why. Send a voice message to Keina

Are you considering working with a money coach? This episode is for you! In today's episode, I am joined by my client Sarah. Sarah shares her journey of being a single mom by choice and how getting help with her finances was pivotal to her leaning into motherhood. Sarah has just finished working with me in my five-month partnership and came on the podcast to share her journey working with a money coach. Sarah is a single mother who works in the education sector. She came to me with a list of bills and a desire to get out of the paycheck-to-paycheck cycle. Now, Sarah has all the tools she needs to be empowered to take control of her money goals. Listen in to hear how learning to manage her finances has empowered Sarah. Not only does she feel confident about her ability to earn and budget money, but she knows she is capable of so much more!  The main points Sarah and I talk about in this episode are: [01:30] Why Sarah decided to work with Keina [05:48] What coaching allowed Sarah to do [10:37] Sarah’s proudest moment during coaching [12:30] Finances and motherhood [20:40] Sarah’s experience with Keina’s budgeting system [26:08] Domino effect of money coaching [29:49] Sarah’s unexpected wins Tune into this episode of Money Files to learn what it’s like working with a money coach! Get full show notes and the episode transcript: https://wealthovernow.com/from-finances-to-motherhood-lets-talk-money-coaching/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now

Most people associate money conversations with savings, debt, or salaries. But achieving financial goals is more than just making money. In today’s episode, I share the importance of having a money team. Your money team goes beyond just having a financial advisor. You need a group of people who have already accomplished what you want to do and who can challenge you to think bigger. Everyone needs a money team, and in this episode, I share examples of how my own money team has pushed me to look beyond limiting beliefs, leverage my skills, and ultimately earn more money and achieve my financial goals. Are you ready to start assembling your money team? Listen to learn how!  The main points discussed in this episode are: [04:47] What is a money team? [05:58] Example: negotiating salaries [08:47] Example: raising business rates [10:55] Finding people who challenge you [16:37] Six questions to help you build your money team Tune into this episode of Money Files to learn what a money team is and the difference it can make in achieving your financial goals.  Get full show notes and the episode transcript: https://wealthovernow.com/how-to-build-a-money-team/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now

Today's podcast episode is a cross-replay of my conversation with my friend and client, Lindsay Dotzlaf. Lindsay is a coach specializing in empowering other coaches to enhance their effectiveness and make a more significant impact. Tune in as Lindsay shares her personal journey of working with me as her financial coach and the profound transformation her mindset has undergone in managing her finances.  We also discuss Lindsay's newfound passion for budgeting and how to make a budget work for your unique lifestyle. I hope you enjoy our conversation and gain valuable insights into the experience of partnering with a money coach. Hot topics discussed in this episode include: [12:20] How working with Keina shifted Lindsay’s money mindset [22:45] Balancing debt vs. investing vs. savings as a business owner [27:40] Budgets are about awareness [30:03] Keina’s top financial tips for business owners [40:00] Lindsay’s experience and learnings from working with Keina [53:40] Thinking about educating the next generation about managing money [01:04:01] Managing money as a couple Tune into this episode of Money Files to learn what it’s like to work with and how to fall in love with budgeting! Get full show notes and the episode transcript: https://wealthovernow.com/shifting-your-budgeting-mindset-with-lindsay-dotzlaf/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Guest Info… Website: Lindsay Dotzlaf | Instagram: @lindsaydotzlaf | Podcast: Mastering Coaching Skills

It's no secret weddings are EXPENSIVE. On average, couples spend $30,000-$40,000 on their wedding. Don't let financial stress overshadow your Big Day. I explain how to build the perfect wedding budget in today's episode. The earlier you start financially planning for your wedding, the easier it will be to create the perfect day without overspending or going into debt.  Remember, a wedding budget is the same as any other budget. The key is to assign purpose for every dollar, know your numbers, and check in on your spending. It is possible to have your dream wedding without losing track of your money goals, and I am so excited to share how to make it happen! During the episode, I touch on wedding budget best practices such as: [01:45] Creating a starting budget [06:45] Making time to get real numbers [09:32] The importance of a budget buffer [10:26] Planning where the money is coming from [11:55] Tracking actual expenses vs. projected budget Tune into this episode of Money Files to learn how to build the ultimate financial guide for wedding planning. Get full show notes and the episode transcript: https://wealthovernow.com/how-to-budget-for-a-wedding/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now

I recently was a guest on Sara Fisk's podcast, The Ex-Good Girl, hosted by Sara Fisk. Sara is a female empowerment coach who helps women stop people-pleasing behavior and start living the life they want. With Sara's permission, I am sharing our conversation in this episode of Money Files.  So, listen in as we dive deep into why women aren't naturally confident with managing finances and recommendations you can use to shift into better money habits. Sara and I tackle topics like overspending to please others, what it means to live in restriction, and how to align spending habits with your life goals.  During this episode, I share reasons why paying off debt should not be your sole focus and what to do instead: [04:44] Defining a “good girl” [05:50] Debunking “I don’t know as much about money as my husband” [08:00] Expansion vs. restriction [12:30] Using money to buy positive emotions [19:05] Spending to overcome restlessness [25:15] Does what you want align with your spending? [37:20] How to challenge yourself to think differently about your finances Tune into this episode of Money Files to hear an important conversation about empowering women to regain control of their finances. Get full show notes and the episode transcript: https://wealthovernow.com/good-girls-and-money-with-sara-fisk/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Guest Info… Website: Sara Fisk | Instagram: @sarafiskcoach) | Podcast: The Ex-Good Girl

Debt can make you feel anxious and shameful. As a six-figure earner, I know how tempting it is to put all of your focus on paying off credit cards or loans. But when you are only working at paying down debt, you lose sight of all your other financial goals. In today's episode, I share the five main reasons I tell my clients to look beyond paying off debt. I explain how creating a budget that incorporates debt payments is an essential tool for financial management. You deserve to enjoy life and spend money on what brings you joy. Every extra dollar you earn should not go towards paying off debt. Financial freedom starts with intentional spending, knowing your numbers, and leveraging a budget that works for your lifestyle. Paying off debt is only a small factor in creating financial freedom.  During this episode, I share reasons why paying off debt should not be your sole focus and what to do instead: [07:55] Paying off credit cards isn’t the only marker of success [09:00] Focusing on paying down debt overshadows intentional spending [10:08] There is no plan for what to do when debt is paid off [11:05] Miss opportunities to invest in yourself [12:00] What you SHOULD be doing: the importance of budgeting If you are ready to learn how to think beyond paying off debt, tune into this episode of Money Files! Get full show notes and the episode transcript: https://wealthovernow.com/5-reasons-why-you-shouldnt-only-focus-on-paying-off-debt/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now

Saving money $10,000 can be an intimidating goal, especially if you are someone who doesn't identify as a saver. But reaching a savings goal is easier than you think! In today's episode, I share my special 'Magic Ten' process to save $10,000. This is the method I coach my clients on, and it is successful for anyone. Not only will the Magic Ten process help you achieve your savings goal, but it will also help you shift your mindset and build financial confidence. If you feel like you don't know how to save, are constantly dipping into your savings, or feel like money just slips through your fingers, this episode is for you! So tune in and get started on a $10k savings plan!  During this episode, I share my Magic Ten process to save $10,000. Follow along with these key points: [02:20] Intro to my ‘Magic 10’ process to save $10,000 [05:30] Adopt the belief you are a saver [06:50] Build a $10k plan [12:06] Identify and reframe your roadblocks If you are ready to learn how to save $10,000, tune into this episode of Money Files! Get full show notes and the episode transcript: https://wealthovernow.com/a-stress-free-way-to-save-10000/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Download my free five-day Financial Habit Tracker.

You can save money, pay down debt, and still spend money on things that make you happy! When you are focused on money goals like increasing savings and paying off credit card debt, it is easy to feel shameful about spending money. But you work too hard as a six-figure earner not to invest in fun. In today’s episode, I share the importance of a personal allowance. By establishing an allowance in your spending plan or budget, you give yourself permission to treat yourself to a manicure, fancy dinner, or special treat in a controlled way that still aligns with your financial goals.  If you make good money but can’t get out of the paycheck-to-paycheck cycle, are hyper-focused on paying down debt, or feel shame about spending on items that make you feel good, this episode is for you!  During this episode, I offer five reasons why you need a personal allowance: [04:25] Align spending with financial goals [06:08] Permission to invest in yourself [07:07] Overcome shame of spending money [08:11] Promotes financial wellness [10:07] Give couples permission to spend, maintain financial autonomy, and reach partnership savings goals without impacting bills or debt If you are ready to learn how to spend guilt-free and still hit all your money goals, tune into this episode of Money Files! Get full show notes and the episode transcript: https://wealthovernow.com/why-you-need-a-personal-allowance/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now

Do you want to gain control of your spending? No matter how much money you earn, now is the right time to start building financial awareness and creating healthy spending behaviors. If you are someone who wants to gain control of your spending because you are tired of being up at night thinking about your finances, this episode is for you! Today, I share the process I use during coaching sessions to help clients who feel like they are out of control with money. My judgment-free method focuses on how you think about your finances so that you can start shifting your spending habits so your spending is in alignment with your financial goals. I will take you through how to complete these exercises at home so you start feeling more confident about how you manage your money.   During this episode, I share comprehensive steps to start gaining control of your spending habits: [02:06] Why do you think you aren’t in control of your spending? [04:40] How would you know if you were in control? [06:35] Track your spending for the next five days [07:57] Observe your spending habits [11:35] Continue the habit & create a plan [13:40] Evaluate your purchases If you are ready to take back control of your spending, tune into this episode of Money Files! Get full show notes and the episode transcript: https://wealthovernow.com/how-to-take-control-of-your-spending/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Download my free five-day Financial Habit Tracker

Most of my clients are scared of debt. Society has created rules and regulations around when it is “okay” to get into debt. Going into debt for a house or car is normalized, but accumulating debt on shopping or healthcare is taboo. There is so much negative talk about debt that you might feel shame about your own credit card balance or the need to use credit. Today’s episode is about changing how you think and feel about debt. I share several helpful tips for managing debt, strategizing a payment plan, and overcoming feelings of overwhelm and shame. Debt can afford you amazing things, and having debt does not mean you are bad with money. So tune in to learn how you can make peace with your debt and take back control of your finances. Are you ready to make peace with your debt? Start with these steps to improve your relationship with money, overcome feelings of shame, and start paying down debt with confidence. [01:08] Learn to think of debt as being neutral. [05:10] Make peace with your debt. [08:20] Create a budget so you can see where your money is going. [09:12] Prepare to pay off the debt with a clear strategy. [11:18] Be consistent with your plan to pay off debt. [12:35] Celebrate along your debt payoff journey. If you want to change how you think about debt, tune into this episode of Money Files! Get full show notes and the episode transcript: https://wealthovernow.com/simple-steps-to-pay-down-debt/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now

One of the top questions I get asked is, "How do I stick to a budget?" Society tells us we have to budget to manage our money well, but most teachings focus on restriction. If you are someone who has tried spreadsheets and apps and still struggle to maintain a budget, this episode is for you! Today, I talk specifically about maintaining the habit of budgeting. I am excited to share this episode because it gives you five practical ways to navigate maintaining your budget. This easy five-step plan will help you create a budget that works for you.  Listen as I explain five steps to help you maintain the habit of budgeting: [04:30] Define the purpose of budgeting in your life [07:37] How did you feel the last time you went over your budget? [11:28] What does it mean when you say you want to stick to the budget? [14:25] Make space in your budget for fun [15:18] Schedule weekly money dates If you are ready to change how you think about budgeting, tune into this episode of Money Files! Get full show notes and the episode transcript:  https://wealthovernow.com/5-ways-to-maintain-the-habit-of-budgeting/ Links mentioned in this episode... Set up a call | Financial Coach Washington, DC | Wealth Over Now

The home buying process can feel overwhelming whether you’re looking to buy your first home or you want to make the transition to a new home. Today, I’m sharing four steps I used to prepare for homeownership. If you want to feel financially prepared to buy a home tune into this episode. In this episode, I share four financial tips to get ready to buy a house. Whether you are a new home buyer or looking to upgrade to a larger property, my four-step process makes purchasing property a seamless and stress-free experience. Learn what to budget for, how to prepare for mortgage payments, and which type of loans could benefit you. This is the same process I’ve used to help my clients  realize their dreams of homeownership, and I am excited to share this financial strategy plan with you! Listen as I explain the importance of taking these four financial steps before considering home ownership:  [06:00] create a budget to see what you can afford [07:06] create a budget for home ownership [09:50] save money and pay off debt [13:23] get prequalified for the house you want to buy If you are considering buying a home, don’t miss this episode of Money Files! Get full show notes and the episode transcript: https://wealthovernow.com/4-financial-tips-to-help-plan-for-homeownership/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now

On today’s episode, I am joined by former client and career coach, Kim Tran.  Kim is a hiring manager and owner of Your Work Inspired, a company with a mission to provide a holistic approach to closing the wage and wealth gap for women of color regardless of job titles and industry.  In this episode, we discuss the perceived challenges of pivoting in your career. It might feel familiar to maintain the status quo when it comes to your career but there is also power in pursuing new careers with curiosity. As a hiring manager, Kim shares three key insights on: Leveraging networking to build valuable relationships Determining what you love vs. what you are good at Knowing when to take the leap and make a career pivot Tune in as Kim, and I share our personal stories and client experiences. We hope this episode inspires you to overcome feelings of fear and overwhelm to apply for new roles.  In this episode, Kim and I discuss these points about career pivots:  deciding to pivot your career: [06:00] Why you might want to pivot your career [09:00] Figuring out how to network in a way that is comfortable to you [19:15] How to identify where you go next in your career [23:50] How to apply for a job that you don’t meet every requirement for [34:54] The importance of constructive voices [35:00] When to know it’s the time to pivot in your career [39:57] Benefits of “dating around” in the job world Listen to this episode of Money Files for an insightful discussion about pivoting your career and getting the salary you deserve. Get full show notes and the episode transcript: https://wealthovernow.com/how-to-make-a-career-pivot-with-kim-tran/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Negotiating for the Salary You Desire & Deserve with Kim Tran - Wealth Over Now CliftonStrengths Online Talent Assessment | EN - Gallup Salary.com

Today I discuss a problem that impacts current clients, past clients, and potential clients. There’s a sneaky thought you might have when it comes to managing your finances: I’m afraid I’ll fall back into bad financial habits. This fear can hold you back from applying to work with a financial coach. It can cause you to freeze and go into a downward spiral when you have to put an expense on a credit card unexpectedly. Do not let this sneaky thought prevent you from reaching your money goals. These powerful questions will help you find the reason behind your financial choices and keep you moving forward by helping you to… [08:32] Identify your fears [09:45] Reflect on success [13:39] Be your own lifesaver [16:06] Embrace continuous growth Tune into this episode for six steps to overcome the fear of falling back into bad money habits.  Get full show notes and the episode transcript: https://wealthovernow.com/personal-finances-budgeting-financial-habits-financial-self-concept-money-problems-self-doubt-bad-habits/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now 76 | Defining And Understanding Your Financial Self Concept 37 | How Brent Ditched Perfectionism and Got Intentional with His Spending

Today I share 15 things you need to start doing right now to stay on top of your financial health. Managing your money successfully is about more than just paying off debt, saving money, and sticking to a budget. These 15 tips are designed to help you see the big picture so you can manage your money with current and future goals in mind. I will cover every aspect of personal finances today! Listen in for tips on everything from saving for retirement to monitoring automatic bill payments. This episode is all about practical advice that you can add to your financial wellness toolkit.  I designed this episode with these goals in mind… [01:17] I want you to have a holistic approach to your financial health. [02:00] I wanted to give you 15 things to think about and so you can go through and say: Am I doing this? How do I consider this? Where is this in terms of my tool kit and how I think about money? Tune in to this episode of Money Files for 15 of my best tips to improve your overall financial health.  Get full show notes and the episode transcript: https://wealthovernow.com/personal-finances-budgeting-bill-tracking-paying-down-debt-saving-money-financial-management-retirement-high-yield-savings-credit-card-debt-bill-autopay/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now

In today's episode, I answer TEN of the most frequently asked questions I get from people who are thinking about working with me. As a former teacher, I know that if one person has a question, there are multiple people wondering the same thing! I also understand the feeling of knowing you need to do something to help yourself but also feeling unsure about taking that next step. This episode is designed to help you overcome feelings of hesitation and paint a clearer picture of what it would be like to have me as your coach! Remember, working with me is a one-time investment that's going to pay for itself for the rest of your life. So I wanted to use this episode to answer some questions for people still on the fence. Maybe you follow me on Instagram, or maybe you have opened up the application to work with me several times and are having a hard time saying 'yes' to yourself - Wherever you are in the decision cycle, I am always here to answer your questions. My goal is to create a comfortable space to talk about finances.  Tune into this week's episode to get the answers to questions I am asked all the time, such as… [01:29] Do you only coach women? [07:28] I’m not in debt. Can I still sign up to work with you? [10:44] What happens after I start working with you? [24:32] Do I have to stop using my credit cards? Listen to this episode of Money Files and learn the answers to ten of the most frequently asked questions from clients! Get full show notes and the episode transcript: https://wealthovernow.com/personal-finances-budgeting-financial-coaching-money-questions-frequently-asked-questions/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now

The Supreme Court has overturned Biden’s student debt forgiveness plan. While student loan payments were suspended during COVID, interest fees will resume in October 2023. It is essential to understand your numbers now to avoid feeling stressed and overwhelmed in a few months. I had over $70,000 in student loan debt. My payments were between $500 and $700 a month. I never fought or got angry with the payment because I knew that $500-$700 would always be needed in my budget. It might have different names in the future, like “car payment” or “childcare,” but I would always have a similar payment. That is why I encourage you to plan your student loan payments into your budget now! If you aren’t sure how much you will owe, make an estimate and start allocating that money aside. Not only will this put you ahead of the game in October, but it will save you so much stress. So don’t get discouraged. Stay in control of your finances with these four easy tips to pay down student loans drama-free! As you prepare to start repaying student loans again, consider… [08:16] I want you to incorporate your student loan payment into your budget now.  [10:13] I want you to put a reminder in your calendar to set up auto pay on your student  loan payments. Tune in to this episode of Money Files to learn four tips to help with repaying student loan debt.  Get full show notes and the episode transcript: https://wealthovernow.com/personal-finances-budgeting-student-loan-payment-student-loan-forgiveness-student-debt/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Join The Waitlist For My Next Money Class