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Relationships & Mental Health

Shari Rash

Personal Finance

Money Podcast for Women

New York Times Top 4 Money Podcast with over 24 million downloads!

Ever wake up at 3 a.m. in a full-blown panic, wondering if you’ll ever have “enough” money? Maybe you’re making more than ever, but somehow, the worry never goes away. You stress over every purchase, second-guess every money move, and still feel like you’re one wrong decision away from losing it all.

Here’s the truth: It’s not just about the dollars—it’s about what’s happening in your head.

Welcome to Everyone’s Talkin’ Money, the podcast that finally tells it like it is: your emotions, thoughts, and habits around money are what’s keeping you stuck— not just your paycheck. Shari Rash is a money expert who wants to help you ditch shame, rewrite the rules, and help you feel powerful with your finances. Don't worry, this show isn’t another snooze-fest finance podcast. She's here to help you unf*ck your finances and finally build wealth in a way that actually feels good.

If you’re tired of finance bros yelling at you for buying a damn latte and sick of money advice that doesn’t fit your life, hit subscribe. It’s time to unravel your money mess, rewrite your story, and start building wealth—on your terms.

Everyone's Talkin' Money | Personal Finance Tips To Stress Less and Live More

Most people don’t struggle with money because they’re irresponsible. They struggle because their entire financial life is running on willpower and memory—which are terrible tools for long-term success. In this episode, Shari breaks down why motivation-based money management always collapses by March, and how to build real financial systems that actually stick.

Does Your Money System Rely on Willpower or Memory? Get Your Money System here.

Inside, we walk through the four core elements of a “sticky” money system—automation, boundaries, visibility, and realism—and why these matter more than discipline. You’ll learn how to design money flows that match your real income timing, energy cycles, and household complexity, instead of trying to fit your life into a one-size-fits-all budget.

Shari also shares the Minimum Viable Money System: the lowest-lift, most functional framework for managing money without spreadsheets, shame, or perfection. If you’ve ever felt like you “should” be better with money but can’t seem to make habits stick, this episode will help you shift from trying harder to designing smarter.

If you’re ready for money to feel supportive instead of exhausting, this is where it starts.

Talkin’ Points → where your money gets smarter.

Real talk, practical tips, zero guilt straight to your inbox. Sign up here. 

Be sure to like and follow the show on your favorite podcast app!

Keep the conversation going on Instagram @everyonestalkinmoney
Learn more about your ad choices. Visit megaphone.fm/adchoices

How to Build Money Systems That Actually Stick

Most financial advice was built by men, for men — and women have been expected to simply adapt. Spoiler: we haven’t, and we won’t.

In this conversation with Lacy Garcia, founder & CEO of Willow, we get real about:

Why women are about to control two-thirds of U.S. wealth

How the industry talks about money vs. how women actually make financial decisions

What women really want from financial advisors (hint: it’s not alpha charts)

The messy middle of the industry finally changing

What holistic planning really means beyond the buzzword

How to know if an advisor is actually for you — or just painting everything pink

This is the perfect January reset if you’ve been feeling like financial advice wasn’t built with your life in mind. Because the truth is, women are already reshaping the future of wealth — the industry is just catching up.

Learn more about how my firm, GWA Wealth works with women who want to take control of their money. 

Talkin’ Points → where your money gets smarter.

Real talk, practical tips, zero guilt straight to your inbox. Sign up here. 

Be sure to like and follow the show on your favorite podcast app!

Keep the conversation going on Instagram @everyonestalkinmoney
Learn more about your ad choices. Visit megaphone.fm/adchoices

Why Traditional Financial Advice Fails Women — And What a Better Future Looks Like

Every January, money becomes part of the New Year’s resolution conversation. Paying off debt, saving more, getting better with money. And while those goals are common, they’re usually not the real issue.

In this episode of Everyone’s Talkin’ Money, Shari explains why money keeps showing up on your New Year’s resolution list year after year, and what that pattern is actually telling you about your financial life. This isn’t about discipline, motivation, or willpower. It’s about whether your money systems are designed for the life you’re actually living.

If you feel like you’re constantly resetting your finances, starting over every January, or promising yourself that this year will be different, this episode will help you understand what’s really underneath that stress. Shari breaks down the root reasons money feels stuck, why resolutions often create relief without real change, and how outdated money systems can create frustration even when your income has grown.

Get Your Three-Question Money Audit here!

This episode kicks off our January series, New Money Year: Reset, Systems, Goals, and lays the foundation for building financial systems that actually work. Not for the life you had five years ago, but for the one you’re living now.

If you’re tired of making the same money resolutions every year, this episode will help you stop trying harder and start building smarter

Talkin’ Points → where your money gets smarter.

Real talk, practical tips, zero guilt straight to your inbox. Sign up here. 

Be sure to like and follow the show on your favorite podcast app!Keep the conversation going on Instagram @everyonestalkinmoney
Learn more about your ad choices. Visit megaphone.fm/adchoices

Why Money Keeps Becoming Your New Year’s Resolution

If you’ve ever opened your banking app and felt your stomach drop — like the number on the screen said something about who you are — this episode is for you.

Many of us have absorbed a quiet but destructive belief: that financial success equals personal value. That debt means you’re irresponsible. That renting means you’re behind. That earning less means you’re not trying hard enough. And that belief doesn’t just hurt emotionally — it shapes how we spend, save, work, and make decisions every day.

In this episode, we pull that belief apart and put money back where it belongs. Your net worth is a number. It’s data. It is not a moral scorecard, a personality test, or a measure of your worth as a human being.

We talk about where this belief comes from, how it shows up as money shame, avoidance, overspending, comparison, and fear-based decision making, and the real cost of living this way — lost peace, strained relationships, and the constant feeling of never being enough.

Then we get practical. I walk you through how to separate the math from the meaning, how to look at your finances without spiraling, how to set boundaries and say no without over-explaining, and how to build a sense of worth that isn’t dependent on your bank balance, income, or credit score.

This isn’t about pretending money doesn’t matter. It does. But it was never meant to define you.

Money is a tool.You are the treasure.

Talkin’ Points → where your money gets smarter.

Real talk, practical tips, zero guilt straight to your inbox. Sign up here. 

Be sure to like and follow the show on your favorite podcast app!

Keep the conversation going on Instagram @everyonestalkinmoney
Learn more about your ad choices. Visit megaphone.fm/adchoices

You Are Not Your Bank Account: Separating Self-Worth from Net Worth

Shari is back with another Best of 2025 episode. This time we are talking Boring Money Moves, it is one of her 40 Money Moves at 40 episodes she released in September. 

Mindset matters — but without solid systems, it won’t get you very far. In this episode of 40 Money Lessons at 40, we’re talking about the unglamorous money moves that quietly build real stability.

This is the stuff that doesn’t trend on Instagram but actually changes your financial life: paying yourself first, living one month ahead, setting up simple bank systems, and creating routines that remove stress instead of adding it.

We’ll walk through why “leftover money” never works, how to stop feeling behind even when you’re earning more, and why boring consistency beats financial chaos every time. You’ll also hear how small structure creates freedom, how to avoid emotional spending traps, and why the right systems make confidence inevitable.

If you’re ready to stop starting over and start feeling steady, this episode is your foundation.

Catch all of her 40 at 40 episodes here: 

⁠40 Money Lessons at 40 - Part 1⁠⁠⁠⁠⁠⁠⁠⁠

⁠⁠40 Money Lessons at 20 - Part 2⁠⁠⁠⁠⁠⁠⁠⁠

⁠⁠40 Money Lessons at 40 - Part 3⁠⁠⁠⁠⁠⁠⁠⁠

⁠⁠40 Money Lessons at 40 - Part 4⁠⁠⁠

⁠⁠40 Money Lessons at 40 - Part 5⁠

Talkin’ Points → where your money gets smarter.

Real talk, practical tips, zero guilt straight to your inbox. Sign up here. 

Be sure to like and follow the show on your favorite podcast app!

Keep the conversation going on Instagram 

If this episode hits home, share it with someone who needs a calmer approach to money. Tag me @everyonestalkinmoney and let me know what clicked.

Build the foundation. Your future self will thank you.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Best of 2025: Boring Money Moves that Actually Work

Does the word “budget” still make your shoulders tense? Same. And that reaction isn’t a personal failing—it’s a sign that most budgeting advice was never built for real life. In this rereleased episode, we throw out the guilt, the restriction, and the rules that don’t stick, and replace them with a spending plan that actually works with how you live, earn, and decide.

This conversation breaks down why traditional budgets tend to fall apart (hint: it’s not because you lack discipline) and how to build a values-based spending plan that supports growth, security, and joy—at the same time. 

You’ll learn how to identify what truly matters to you financially and how to align your spending with those priorities instead of fighting yourself every month. 

We walk through the Three-Bucket Spending Plan as a simpler, more human way to manage money without sacrificing the things you love or want to work toward.

Shari also shares her own experience of breaking out of a scarcity mindset and why emotional spending has far more to do with unexamined beliefs and financial baggage than willpower. 

This episode reframes budgeting from something you “have to do” into a tool that helps you make intentional choices—so you can stop defaulting to “I can’t afford that” and start saying, “I’m choosing this.”

If you’re tired of feeling guilty every time you spend, stuck in a cycle of overthinking your money, or ready to build wealth without burning out your nervous system, this episode is for you. Press play, rethink what a budget can be, and start creating a spending plan that finally feels supportive instead of suffocating.

Talkin’ Points → where your money gets smarter.

Real talk, practical tips, zero guilt straight to your inbox. Sign up here. 

And don’t forget to keep the conversation going—follow us on Instagram @everyonestalkinmoney for more honest money mindset shifts and practical strategies you can actually use.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Best of 2025 Stop Budgeting, Start Choosing: Why traditional budgets fail and what to do instead

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 Best of 2025 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

Talkin’ Points → where your money gets smarter.

Real talk, practical tips, zero guilt straight to your inbox. Sign up here. 
Learn more about your ad choices. Visit megaphone.fm/adchoices

Best of 2025: 6 Money Biases That are Sabotaging Your Money Goals

You did the work.

You earn good money.

You’re saving, investing—or at least trying to.

So why does it still feel unsettled?

In this Ask Shari episode, Shari Rash, founder of GWA Wealth, answers real listener questions from women who are objectively doing well with money—but emotionally stuck in doubt, comparison, and quiet anxiety.

You’ll hear questions like:

“How do I start investing without feeling reckless?” 

“Why do I keep moving the financial goalposts?”

 “How do I know if I actually need to do more—or if I’m just comparing myself to everyone else?”

Want to ask Shari your own question? CLICK HERE!

This episode is for the woman who’s no longer in survival mode—but hasn’t fully defined what enough looks like yet.

Because money isn’t meant to be a constant test of your worth or intelligence.

It’s a tool—to support your life, your values, and your peace of mind.
Learn more about your ad choices. Visit megaphone.fm/adchoices

If I’m Doing Everything Right, Why Doesn’t This Feel Better? - Listener Q&A!

If you’ve been saying yes to the wrong clients, under-pricing out of fear, or treating exhaustion like a strategy, this one’s for you. 

Bianca D'Alessio, CEO/founder of The Masters Division, Managing Director at Nest Seekers Development Marketing, #1 Real Estate Broker in NYC & NY State, and author of Mastering Intentions—joins Shari to unpack how high-achieving women move from scarcity to self-trust. 

We get into values-aligned decisions, setting real boundaries, building simple systems that compound, and a grown-woman version of “manifestation” you can actually use.

Get your Seven Day Sprint here!

You’ll hear: 

 The compounding effect of small, intentional decisions (not one “big break”) 

 How to spot scarcity in your behavior—and replace it with self-trust

 Boundaries that protect time, energy, and revenue (without feeling mean)

 The winner’s mindset vs. toxic positivity (and why the difference matters)

You’ll walk away with:

 Recognizable tells of scarcity you can stop this week

 A 7-day plan to set boundaries and redirect your time to aligned work

 A simple systems checklist to track leads, costs, and ROIA 

 practical mindset shift to make confident money moves

Grab Bianca’s book Mastering Intentions. Show notes and more at everyonestalkinmoneypodcast.com. Follow the show so you never miss an episode, leave a quick rating/review, and come say hi on IG 
@everyonestalkinmoney⁠Talkin’ Points → where your money gets smarter.

Real talk, practical tips, zero guilt straight to your inbox. Sign up here. 
Learn more about your ad choices. Visit megaphone.fm/adchoices

Scarcity Isn’t About Money—It’s About Self-Trust

If you’ve already blown your holiday gift budget… breathe. You are not the only one scrolling through your cart at 11 p.m., refreshing the screen, praying the total magically drops by $200. Your holiday spending didn’t “get away from you.” It sprinted off in glitter-covered sneakers — and today we’re going to get you back in control.

In this episode, Shari breaks down why the holidays turn even the savviest women into overspending zombies, how guilt and obligation collide with Pinterest-level expectations, and what really causes December budgets to explode (hint: it’s not just the gifts). 

You’ll learn how to rebuild your gift budget in 10 minutes, how to set real boundaries with group gifts and family expectations, and what to do right now if you’ve already overspent.

We’ll also dive into the forgotten budget busters — the holiday parties, school events, matching pajamas, cookie swaps, travel incidentals, and “small traditions” that add up faster than a Target cart on a Tuesday. And yes, we’ll walk through a step-by-step damage-control plan so you can fix this month without sacrificing your entire January.

If you want more practical, shame-free money help (and frankly, fewer financial plot twists in December), join the newsletter at everyonestalkinmoneypodcast.com. And if you’re ready for personal planning support designed for real life, not Pinterest perfection, connect with Shari at GWAwealth.com to build a financial plan that won’t collapse at the first sight of twinkle lights.

Stay merry — without the money stress.

Talkin’ Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here. 

Be sure to like and follow the show on your favorite podcast app!

Keep the conversation going on Instagram @everyonestalkinmoney
Learn more about your ad choices. Visit megaphone.fm/adchoices

Holiday Spending Survival Guide: The How-Much-Is-Too-Much Budget

Day 7 of our 12 Days of Holiday episodes: Raise your hand if you’re sleepy. According to our guest, Terry Cralle, a registered nurse, certified clinical sleep educator, and author of Sleeping Your Way to the Top, we are ALL not getting enough sleep. As she describes, it’s a vicious cycle between the lack of sleep and money stress, so no wonder you’re probably stressed out and pretty sleepy. Terry’s got some great tricks up her sleeve that can help you both sleep better and worry a little less about money. This episode is guaranteed to help you sleep better and stress less.
LINKS
The Better Sleep Council - https://bettersleep.org/
Terry's website - https://terrycrallern.com/
Terry's Books - https://terrycrallern.com/books/
SPONSORS
Thanks to Monarch for sponsoring the show. ​​After trying out Monarch for myself, I understand why it’s the top-rated personal finance app. Listeners of this show will get an extended thirty-day free trial when you go to www.monarchmoney.com/ETM. 
Thanks to Uncommon Goods for sponsoring the show. Get 15% off your next gift by going to www.uncommongoods.com/ETM. 
Thanks to EarnIn for sponsoring the show. Just download the EarnIn app in Google Play of the Apple App store and use code Talkin Money under Podcast.
Thanks to Noom for sponsoring the show. Start taking control of your weight management and join the millions who have lost weight with Noom. Sign up for your TRIAL today at www.noom.com. 
Thanks to ButcherBox for sponsoring the show. Sign up today at www.butcherbox.com/etm and use code ETM to get $20 off your first order.

How To Connect with Shannah:

Download 10 Money Questions to Ask Yourself Free Money Guide https://etmpod.link/10moneyq 

Ask Shannah a question on Instagram https://www.instagram.com/shannahgame/ 

Submit a money question for Shannah to answer in an upcoming episode https://tinyurl.com/askshannahq 

Leave a 5-star Review here https://ratethispodcast.com/etm 

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Day 7: The Connection Between Sleep and Money with Terry Cralle

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