Money Files: Wealth Over Now

• 200 | How Ellie Grew Her Net Worth by $100K (and Still Traveled)

  Money Files is back with another client check-in!In this episode, I reconnect with my former client Ellie, who first appeared on the show two years ago. Since our time working together, Ellie’s net worth has grown by over $100K, she’s traveled the world, and she’s continued to use the budgeting framework I helped her create.But as Ellie shares, financial growth doesn’t mean every month feels perfect. From revisiting credit card debt to navigating lifestyle changes and dating expenses, she opens up about what it looks like to sustain progress even when new challenges appear.Tune in as Ellie and I discuss how financial coaching helped her develop awareness, systems, and confidence, tools that continue to serve her through each new season of life. Together, we explore how to approach money with curiosity instead of shame, identify patterns that need adjustment, and celebrate the long-term wins that make lasting financial transformation possible.Listen in to learn:[01:25] How Ellie’s net worth grew by six figures in two years[03:40] The truth about “financial backslides” and how to recover without guilt[07:10] How to handle lifestyle shifts like dating and higher living costs[10:50] Why perfection isn’t the goal, but awareness and consistency are[18:35] The power of weekly money dates and how to bring them back[23:45] Building an emergency fund without the overwhelm[30:40] The mindset shift from fear to trust with your finances[44:30] Why financial coaching creates sustainable results years laterTune into this episode of Money Files to hear the real-life impact of financial coaching and how to keep growing your confidence and your bank account, even when things get messy.Get full show notes and the episode transcript: https://wealthovernow.com/how-ellie-grew-her-net-worth-by-100k-and-still-traveled/Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending plan

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• 199 | The Money Legacy: Building Trust and Expanding Possibilities With Your Finances

  You’ve heard me talk about The Money Table, The Money Edit, and The Money Rhythm, but today, I’m closing this series with the final piece of my four-part framework: The Money Legacy.The Money Legacy is where true sustainability begins. It’s not about budgeting or cutting back, it’s about building trust with your money and creating long-term possibilities that reflect your values. This is the phase where my clients go from managing debt and expenses to setting bigger goals, investing in their future, and building a financial legacy that changes what’s possible for them and their families.In this episode of Money Files, I share how The Money Legacy helps you move beyond financial survival mode and into a space of grounded confidence. You’ll hear how clients like Lynae and Clara used this process to redefine their goals, from paying off debt to building savings, changing careers, and even buying their first home.When you build your Money Legacy, you stop operating from urgency and start living from intention. You make decisions based on what matters most and begin to see yourself as someone who manages money well.Listen in to learn:[01:25] What The Money Legacy is and why it’s the key to sustainability[03:40] How to build financial trust and confidence that lasts[05:00] Client story: How Lynae moved from debt payoff to freedom and choice[08:25] Why expanding your goals starts with managing what you already have[10:40] How to plan for your next financial chapter with clarity and confidence[12:10] Why your relationship with money shapes your opportunities[12:45] The truth about shame, perfection, and trusting yourself with moneyTune into this episode of Money Files to learn how to build a Money Legacy that expands your possibilities, strengthens your trust with money, and creates a financial foundation that grows with you.Get full show notes and the episode transcript: https://wealthovernow.com/the-money-legacy-building-trust-and-expanding-possibilities-with-your-finances/ Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending plan

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• 198 | The Money Rhythm: Finding Your Flow for Sustainable Financial Health

  If you’ve ever said, “I just need to be more disciplined with money,” this episode is for you.In this episode of Money Files, I introduce you to The Money Rhythm which is the third step in my coaching framework, following The Money Table and The Money Edit. While the first two steps are about clarity and structure, The Money Rhythm is about sustainability and putting your plan into motion and learning how to trust yourself with money.This is where my clients stop chasing perfection and start finding flow. We look at how their plan actually works in real life: the grocery trips, the forgotten birthday parties, the unexpected car repairs, the promotions, the slow months, and everything in between. The Money Rhythm is about building flexibility into your system so you can respond to life instead of reacting with guilt or shame.Through real client examples, you’ll hear how we catch fake math, make realistic budget adjustments, and create systems that help clients make confident, proactive money decisions. This is the stage where coaching truly pays for itself, not just through the dollars saved, but in the peace, control, and confidence you gain.Listen in to learn:[01:15] What The Money Rhythm is and why it matters[03:50] How to build sustainability into your money system[06:45] Why perfection isn’t the goal and honesty is[10:10] How to stop fake math and create realistic numbers that work[13:25] Client stories: adjusting for real-life expenses without shame[17:40] Why discipline isn’t the answer. What you need is rhythm[19:00] How finding your rhythm builds confidence and trust in yourselfTune into this episode of Money Files to learn how to create a rhythm with your money that helps you sustain financial peace, build consistency, and finally feel in control.Get full show notes and the episode transcript: https://wealthovernow.com/the-money-rhythm-finding-your-flow-for-sustainable-financial-health/ Links mentioned in this episode…160 | Financial Grazing: How Little Habits Can Derail Big GoalsSet up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending plan

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• 197 | Financial Predictability: How Clara Created Financial Ease as a Hairstylist

  What does it look like to go from feeling financially overwhelmed to fully owning your money story?In this episode of Money Files, I sit down with my client Clara, a hairstylist in Washington, D.C., who transformed the way she managed her finances. Before working together, Clara earned good money but constantly wondered, “Where is it all going?” Like many 1099 earners, her income fluctuated, and without a system, that led to stress, uncertainty, and missed opportunities.Together, we built a framework that gave her structure, clarity, and confidence. Clara learned how to separate her business and personal finances, plan for taxes, and create a simple system that helped her build savings and prepare for slower seasons. With her new mindset and money plan, she stopped stressing about her finances, bought her first home, and even planned an international trip, without panic or guilt.This conversation is about more than numbers; it’s about what happens when you finally take ownership of your financial life.Listen in to learn:[02:15] How Clara realized she needed help managing her money[05:00] Why accountability and structure are key to financial success[08:25] How she stopped stressing over inconsistent income[11:40] How she prepared for slow business seasons with confidence[15:20] The mindset shift that helped her buy her first home[18:40] How she learned to fit her lifestyle into her budget instead of restricting it[21:45] Building confidence to earn more and plan for retirementTune into this episode of Money Files to hear how Clara went from overwhelmed to empowered and how financial coaching helped her build a system that supports her goals and her peace of mind.Get full show notes and the episode transcript: https://wealthovernow.com/financial-predictability-how-clara-created-financial-ease-as-a-hairstylist/Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending plan

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• 196 | The Money Edit: Stop the Leaks and Create More Choice With Your Money

  Paying your bills on time isn’t the same as being in control of your money.In this episode of Money Files, I walk you through The Money Edit, the second step in my coaching framework that helps clients create 25% more choice with their money without earning more or cutting out everything fun.The Money Edit is where we stop the leaks and clean up financial clutter. Instead of restrictive “no-spend challenges” or quick fixes, this process helps you decide what to keep, revisit, or cancel so your money reflects the life you actually want. From subscriptions you’ve forgotten to household expenses that no longer serve you, the Money Edit gives you back control and clarity.You’ll hear client stories that show how one decision, like changing a cleaning schedule or canceling overlapping subscriptions, freed up thousands of dollars each year to redirect toward savings, debt payoff, and lifestyle goals that matter.Listen in to learn:[02:30] Why no-spend challenges don’t fix long-term habits[06:45] How to identify leaks and financial clutter in your budget[11:15] Client story: saving $9,600 a year by shifting one expense[17:20] How canceling overlapping subscriptions saved $380 instantly[22:40] How small edits uncovered over $3,200 in annuals savings in one call [28:15] Why The Money Edit gives you freedom to reallocate, not restrict, your moneyTune into this episode of Money Files to learn how The Money Edit can help you keep more of what you earn and finally create a plan that feels good and works.Get full show notes and the episode transcript: https://wealthovernow.com/the-money-edit-stop-the-leaks-and-create-more-choice-with-your-money/Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending planEP. 195 | The Money Table: How to Create a Real Budget (and Stop Fake Math)

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