Money Files: Money Mindset & Personal Finance

Keina Newell - Personal Finance & Money Mindset Expert
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Is money (or lack thereof) keeping you from fully enjoying your life? Are the stories you tell yourself preventing you from improving your money mindset and having a better relationship with your finances? Join Keina Newell of Wealth Over Now on Money Files: your financial toolkit and a place to start working on your money mindset, learn new financial concepts, and hear candid conversations from her clients who have been right where you are and are on the other side. If you are ready to start your financial journey, head to www.wealthovernow.com and subscribe for new episodes each week.

  1. 4D AGO

    215 | How Frictionless Spending Quietly Drains Your Bank Account

    With one tap, one swipe, or one click, you can buy almost anything instantly. Although  convenience feels normal, it’s quietly changing how we relate to money. In this episode, I name something I see behind so much overspending, debt, and stalled savings. It’s something I call frictionless spending, there’s seldom a pause when we spend anymore because of how our money systems have become more convenient. Join in as I walk you through what frictionless spending actually is, how it fuels spending shame, and why so many people feel confused about where their money went even when they never considered themselves overspenders. I talk about how tools like credit cards, digital wallets, one-click ordering, and buy-now-pay-later remove the natural speed bumps that once provided us with spending pauses. In this episode, you’ll learn how to add  intentional friction back into your spending so you can slow down, stay aware, and keep more money in your account. If you’ve ever felt frustrated by spending that seems to happen on autopilot, this episode will help you see what’s really going on and how to interrupt the cycle without shame. Episode Highlights: [03:10] What frictionless spending actually means [06:55] How spending shame forms after the purchase [10:40] Why modern money tools remove natural pauses [14:25] The connection between frictionless spending and debt cycles [18:50] Why adding friction is not the same as restriction [22:30] Simple ways to slow spending without depriving yourself [27:10] How friction helps you save, pay off debt, and invest faster Tune into this episode of Money Files to learn how frictionless spending quietly drains your money, fuels shame, and how adding simple pauses can help you stay in control and build trust with yourself around money. Get full show notes and the episode transcript: https://wealthovernow.com/how-frictionless-spending-quietly-drains-your-bank-account/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Download my FREE spending plan Mini ​Series ​​On The ​Four ​Reasons ​That ​You ​Are ​Stuck ​With ​Your ​FinancesJoin me Wednesday, February 25 at 12:00 PM ET to learn how to budget for the last time

    20 min

  2. FEB 10

    214 | [MVP] Tracking vs. Budgeting - How to Actively Manage Your Finances

    A lot of people say they “budget,” but what they’re really doing is tracking. They’re watching money move in and out of their account, noticing patterns after the fact, and hoping things look better next month. In this episode, I break down the difference between tracking and budgeting and why that distinction matters more than most people realize. Tracking is passive. Budgeting is active. One keeps you aware. The other helps you change your financial reality. Tune in as I walk you through a real client example to show how this shift plays out in real life, especially for high earners who feel like they should be further ahead but can’t quite see why they aren’t. I talk about how day-to-day spending quietly erodes big goals, why tracking alone doesn’t protect your priorities, and how planning ahead changes the way you think about money in real time. This conversation isn’t about restriction or perfection. It’s about building awareness, choice, and trust with yourself so your money stops feeling reactive and starts feeling intentional. If ​you ​struggle ​with ​budgeting ​or ​you ​feel ​frustrated ​when ​it ​comes ​to ​managing ​your ​money, this conversation will help you understand why. Episode Highlights: [01:40] Why tracking your money feels productive but often changes nothing [03:55] The key difference between passive tracking and active budgeting [06:30] How high earners get stuck watching money instead of directing it [09:10] Why day-to-day spending quietly undermines long-term goals[12:45] How planning ahead creates real financial control [16:20] Using short planning windows to build awareness without overwhelm[19:10] How budgeting helps you protect savings, debt payoff, and future goals Tune into this episode of Money Files to learn why tracking alone keeps you stuck and how active budgeting helps you feel clear, confident, and in control of your money. Get full show notes and the episode transcript: https://wealthovernow.com/mvp-tracking-vs-budgeting-how-to-actively-manage-your-finances/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Download my FREE spending plan Join me Wednesday, February 25 at 12:00 PM ET to learn how to budget for the last time

    23 min

  3. FEB 3

    213 | When Financial Comfort Quietly Replaces Financial Growth

    Feeling better about your money is not the same thing as building wealth. For many high earners, things finally feel calm. Bills are paid. Spending feels intentional. You've ​improved ​your ​system. ​Your ​stress ​is ​down. ​You ​feel ​more ​in ​control. ​You might even know what’s going ​in ​and ​out ​of ​your ​account.  ​You're ​proud ​of ​yourself because you’re so much better than you once were. In this episode, I break down what I call the Desire Fulfillment Cycle. The ​desire ​fulfillment ​cycle ​is ​when ​your ​money ​management ​is ​optimized ​to ​say ​yes ​to ​present ​day ​wants ​and ​needs, ​​but ​it's ​not ​designed ​to ​build ​long ​term ​safety ​or ​wealth. And ​this ​is ​where ​a ​lot ​of ​high ​earners get ​tripped ​up ​because ​we ​start ​to ​associate ​certain ​behaviors ​with ​being ​good ​with ​money. Tune in as I walk you through why this cycle forms, how it often shows up after financial healing or income growth, and why feeling good about money can quietly replace the work of building wealth if you are not paying attention. If you have ever thought, “I’m doing better than I used to, so why don’t my numbers reflect that?” this episode will help you see what is actually happening and what needs to shift. Episode Highlights: [01:05] What the Desire Fulfillment Cycle actually is [03:40] Why feeling stable can stall long-term wealth [06:55] How emotional relief quietly replaces financial strategy [10:20] The difference between comfort spending and intentional growth [13:45] Why this cycle is common for high earners [17:10] How to interrupt the cycle without restriction [21:30] Building a system that supports both ease and expansion Tune into this episode of Money Files to understand why feeling good about money is not the same as building wealth and how to create a system that supports both stability and growth. Get full show notes and the episode transcript: https://wealthovernow.com/when-financial-comfort-quietly-replaces-financial-growth/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Download my FREE spending plan

    22 min

  4. JAN 27

    212 | 3 Simple Questions That Will Help You Stay In Control Of Your Money Each Week

    In this episode, I’m teaching you a simple weekly way of thinking about your money that will change how it feels to manage it. This isn’t about  tracking every dollar or building a rigid, restrictive budget. This is a ​simple ​but ​really ​powerful way to create awareness so you stop being surprised by your accounts and start feeling grounded, ​less ​surprised, and more in control. I walk you through three questions I ask my clients to use every week. These questions help close the gap between what you think is happening with your money and what’s actually happening. They also help you slow down spending before it happens, reduce emotional decisions, and stop mentally assigning future money before it exists. If you’re good at managing money in a paycheck cycle but still feel anxious, reactive, or caught in fake math, these questions will lead you into ​a ​much ​clearer, ​steadier ​relationship ​with ​your ​money. In this episode, you’ll learn: [01:18] Why budgeting feels stressful when you only look at money reactively [02:05] The three weekly questions that create clarity across past, present, and future [03:10] What “What did I actually do?” reveals about sneaky spending and money leaks [05:02] How weekly check-ins reduce shame and financial surprises [07:35] Why frictionless spending makes fake math easier than ever [09:20] How asking “What do I want to choose this week?” restores choice [11:55] Why preparation almost always leads to spending less without restriction [14:40] How looking 30 to 90 days ahead prevents future money from being overspent [17:10] Why clarity, not willpower, builds trust with yourself around money Tune into this episode of Money Files to learn how three simple weekly questions can help you stop fake math, reduce stress, and build a steadier relationship with your money. Get full show notes and the episode transcript: https://wealthovernow.com/3-simple-questions-that-will-help-you-stay-in-control-of-your-money-each-week/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Download my FREE spending plan Grab your seat to join me on Wednesday, January 28 at 12:00 PM EST and learn How to Budget for the Last Time

    19 min

  5. JAN 20

    211 | Permission Spending: The Hidden Reason You Feel Broke With a Six-Figure Income

    Have you ever said yes to something that felt so good in the moment and then later you’re looking at your accounts like, “Wait. Why did I do that?”  That’s permission spending. Permission spending is spending from a feeling instead of a plan. It’s when you say yes, without seeing what your money is already responsible for. In this episode, I’m walking you through the difference between permission spending and permission budgeting, and why tracking your expenses, even with a budgeting software, is not the same thing as having a real plan for the life you’re living.  You’ll learn the three jobs your money needs to do, how my three money bucket system creates clarity, and why budgeting is not meant to restrict you, it’s meant to enable you to say yes to the things that ​make ​life ​feel ​good ​for ​you, without guilt, stress, or regret afterward. Episode Highlights: [03:10] What permission spending actually is and why it feels so justified [05:00] Where money shame comes from after the “yes” [06:25] Why tracking isn’t budgeting and what gets missed when you only plan monthly bills [08:40] Permission budgeting and the 3 jobs your money must do [10:00] The three money buckets that protects money for your needs, your future, and your fun [16:10] What we do in coaching and how to budget for the last time Press play on this episode of Money Files to learn how permission budgeting stops the “I’ll figure it out later” cycle, so your needs are covered, your future is funded, and your spending is intentional. Get full show notes and the episode transcript: https://wealthovernow.com/permission-spending-the-hidden-reason-you-feel-broke-with-a-six-figure-income/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Download my FREE spending plan Grab your seat to join me on Wednesday, January 28 at 12:00 PM EST and learn How to Budget for the Last Time

    16 min

  6. JAN 13

    210 | Why Spending Urges Are Normal and How to Respond Without Shame

    Before we talk strategy, I want to normalize something. Having the urge to spend money is a normal human response to the world we live in. Everyone has spending urges. Just like everyone has a belly button. What actually matters is not whether you have spending urges. It’s how you respond to them. In this episode, I’m walking you through why spending urges show up, what fuels them, and how to respond in a way that doesn’t rely on shame or self punishment. You’ll hear why willpower is not the solution and why awareness, choice, and self trust matter far more.  When you learn how to pause, respond, and reflect, you stop feeling out of control with your finances and start building financial trust with yourself.  If you’ve ever felt frustrated by your spending patterns or confused about why you keep reaching for your card even when your goals are clear, this episode will help you understand what’s really happening beneath the surface. Episode Highlights: [01:11] Why spending urges are a normal human experience [05:00] The emotional states that trigger spending [09:30] How marketing and accessibility shorten the spending cycle [14:45] Recognition, response, and reflection explained [20:10] Why delayed gratification creates more satisfaction [25:00] How small “not right now” decisions have a compounding effect Tune into this episode of Money Files to learn how to work with spending urges in a way that protects your goals, honors your humanness, and builds long-term financial confidence. Get full show notes and the episode transcript: https://wealthovernow.com/why-spending-urges-are-normal-and-how-to-respond-without-shame/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Download my FREE spending plan

    27 min

  7. JAN 6

    209 | [Debt Identity Series] Understanding Survival Debt: Why Your Debt Is Not a Personal Failure

    Happy New Year! And welcome back to another episode of Money Files.  This is the ​last ​episode ​of the ​debt ​identity ​series ​and ​I ​am ​going ​to ​be ​talking ​to ​you ​about ​survival ​debt. The kind of debt that shows up after a divorce, a medical issue, a job loss, a major income shift, or a season you could not have planned for. Survival debt does not come from overspending or poor discipline. It comes from life happening faster than your savings could keep up, and it may be flavored with ​a ​little ​bit ​of the ​multiple ​types ​of ​debt that we’ve discussed in this series. ​ When you understand why the debt exists, you stop treating it like a personal failure and start managing it with clarity instead of shame. Join me as I walk you through how survival debt often gets misclassified as a spending problem, how fake math shows up when emotions are high, and why paying off debt aggressively without changing the story usually leads to burnout and repeat cycles. If you have ever felt shame by debt that came from trying to survive a hard season, this episode will help you breathe again and move forward without self punishment. Episode Highlights: [01:47] Why naming your debt matters [02:10] What survival debt actually is [05:00] Life events that create survival debt [08:45] When debt becomes a story about who you are [11:30] How fake math shows up after hard seasons [14:20] Why rushing payoff plans lead to burnout [16:50] Renaming debt to reclaim control [19:40] Five questions to neutralize survival debt What did ​this ​debt ​allow ​me ​to ​survive ​or ​protect? What ​story ​am ​I ​telling ​myself ​about ​what ​this ​debt ​means? How ​would ​I ​view ​this ​debt ​if ​it ​belonged ​to ​someone ​I love? What ​would ​neutralizing ​this ​debt ​emotionally ​look ​like ​for me? What would ​change ​if ​this ​debt ​wasn't ​treated ​as ​a ​personal ​failure? [23:00] Choosing a calmer path forward Tune into this episode of Money Files to learn how naming survival debt helps you release shame, stop fake math, and build a sustainable plan rooted in clarity and self trust. Get full show notes and the episode transcript: https://wealthovernow.com/debt-identity-series-understanding-survival-debt-why-your-debt-is-not-a-personal-failure/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Download my FREE spending plan

    24 min

  8. 12/30/2025

    208 | [Debt Identity Series] When “Free Points” Keep You Broke

    Do you put everything on your credit card because you want the points, cashback, or “free travel”? The Points Chaser identity feels smart and strategic at first. But without a real money system behind it, your card becomes a second bank account, your balance becomes unpredictable, and your savings stall out. In this episode, I break down how the Points Chaser mindset forms, why it hides overspending, and what needs to shift so your credit card works with your financial system instead of against it. I explain the real mechanics behind unpredictable balances, why paying your card off monthly is not a sign of financial mastery, and how weekly payoffs reconnect you to your spending in real time. You’ll learn how to create structure around your card use, how to limit categories, and how to align your spending with your income so the points you earn actually feel like a reward and not a trap. If you’ve ever wondered why your balance keeps surprising you or why you aren’t saving more even though your income is high, this episode will give you the clarity you’ve been missing. In this episode you'll learn... ​​ [00:42] Who the Points Chaser is and why it feels so strategic [03:18] How credit cards quietly become a second spending account [06:11] Why monthly payoffs do not mean you are good with money [09:48] How points hide overspending and disrupt your cash flow [13:03] The three money bucket system and how it fixes visibility [17:22] Weekly credit card payoffs and how they reconnect you to your spending [23:12] Five reflection questions every Points Chaser should ask Tune into this episode of Money Files to discover how to build a credit card system that keeps you connected to your spending and supports your financial goals. Get full show notes and the episode transcript: https://wealthovernow.com/debt-identity-series-when-free-points-keep-you-broke/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Download my FREE spending plan

    21 min
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Is money (or lack thereof) keeping you from fully enjoying your life? Are the stories you tell yourself preventing you from improving your money mindset and having a better relationship with your finances? Join Keina Newell of Wealth Over Now on Money Files: your financial toolkit and a place to start working on your money mindset, learn new financial concepts, and hear candid conversations from her clients who have been right where you are and are on the other side. If you are ready to start your financial journey, head to www.wealthovernow.com and subscribe for new episodes each week.

Information

  • Creator
    Keina Newell - Personal Finance & Money Mindset Expert
  • Years Active
    2020 - 2026
  • Episodes
    250
  • Rating
    Clean
  • Copyright
    © Keina Newell - Personal Finance & Money Mindset Expert
  • Show Website
    Money Files: Money Mindset & Personal Finance