Episode Details

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Money has a way of getting under our skin. When Crystal Paine surveyed nearly 4,000 women about money, every single one named some version of fear, whether she was struggling or thriving. If your relationship with money hasn't caught up with the life you've built, listen in to see why.

Crystal, the original Money Saving Mom and one of my business coaching clients, joins me to talk about her new book, The 7 Habits of Financially Healthy Women. We talk about a $3 Starbucks gift card she still won't waste, the financial choices her younger self would never believe, and a question from one of our coaching sessions that changed how she thinks about the future. I also share one of the wildest things I do with money, so listen in to hear it all.

What You'll Learn in This Episode:

• Why money anxiety shows up for women at every income level, and where that fear starts
• The first step when you've been avoiding the numbers (Crystal calls it turning on the light)
• How to build a spending plan by trimming one budget category 1 to 3 percent a month
• The time-is-money test Crystal uses to decide when hiring help is worth it
• The 90-year-old question that reshapes how you spend, save, and give
• How budgeting for the fun stuff lets you enjoy it without guilt

Timestamps:

(00:00) Why Christian women get weird about money (and the Disney myth)

(03:06) The 4,000-woman survey: every woman named fear

(05:07) Why so many women won't look at the numbers

(06:35) Money baggage from childhood and the Amazon cart dopamine hit

(07:36) Alli's puppy sitter revelation

(09:00) Time is money: Crystal's smartest spending

(10:40) The hourly-wage test for saving money (hand soap vs. $5 tomatoes)

(11:46) Where Crystal is still surprisingly frugal

(14:38) Where to start: turn on the light

(16:15) One small tweak a month

(16:49) Step two: a spending plan

(17:57) Alli's money confession

(19:01) The drugstore game, all five levels

(23:52) The 90-year-old question

(25:56) What Crystal's younger self would find outrageous

(30:11) Budget for it, then enjoy it freely

(30:57) Fun questions: TV, music, and books

(34:02) What's making Crystal happy

(35:19) Where to find Crystal and the book

Links to great things we discussed:

• The 7 Habits of Financially Healthy Women
• Crystal’s TV Recommendation: The Mole & Million Dollar Secret
• Crystal’s Song Recommendation: You Cover Me
• Crystal’s Book Recommendation: Soul Care
• Crystal’s Product Recommendation: HU