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. 3h ago

    248 | The Accidental Money Pattern: When Your Finances Look Fine on Paper

    You have money in savings. You contribute to your 401(k). Your bills are on autopay, and your credit card gets paid off every month. From the outside, and honestly from the inside too, things look pretty good. But if someone sat down with you and asked what your savings is actually for, whether you are on track for retirement, or what you would do if you needed to rebuild your emergency fund from scratch, you might not have a clear answer. That is what I call the accidental money pattern. And it is one of the more interesting ones to talk about because it does not feel like a problem. There is no crisis, no overdraft, no credit card balance spiraling out of control. But there is a difference between your money accidentally ending up in the right places and your money being directed there on purpose. And that difference matters more than most people realize, especially as your income grows and there are fewer immediate consequences for the financial decisions you are not actually making. In this episode, I am walking you through what accidental money alignment actually looks like, why it is so common for high earners who have automated their finances and never come back to revisit those decisions, and the four things I want you to do to start moving from accidental to aligned so that every dollar you have has a job and you actually know what that job is. In this episode you'll learn... [00:05:20] What the accidental money pattern actually looks like and why you can be saving, contributing to retirement, and paying your bills on time while still having no real clarity on whether any of it is working toward something specific. [00:10:45] Why accidental money alignment is especially common as income grows, and how automating your finances without revisiting those decisions means your old choices are still making your money decisions today. [00:16:30] How to give every dollar in your savings account a specific job, and why separating your emergency fund from your travel fund and your car fund creates more peace of mind and less shame around spending money you have saved. [00:21:15] What to look at when you review your retirement account beyond just the balance, including the questions to ask about contributions, growth, and how much you actually want to spend in retirement. [00:26:40] How to audit your recurring spending and automatic transfers to make sure the money leaving your account every month is intentional and still reflects the life you are living right now, not a decision you made three years ago. Tune in to this episode of Money Files to understand the accidental money pattern and learn the four things you can do to move from accidentally saving money to intentionally building a financial life that reflects where you are now and where you want to go. Get full show notes and the episode transcript: https://wealthovernow.com/the-accidental-money-pattern-when-your-finances-look-fine-on-paper/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Download my FREE spending plan

  2. Sep 29

    247 | The Aspirational Money Pattern: What Lifestyle Creep Actually Looks Like at Six Figures

    This may feel familiar. You have financial goals, you can talk about them, you’ve written them down somewhere. You’ve explored building your emergency fund, retiring early, buying a home, paying off your debt. Your list has all of the “right” moves you think someone responsible should do with their money.  But if you’re being honest with yourself, there’s still a gap in between what you say you want and what you actually do with your money.   In today’s episode, I’m talking about what I call aspirational money patterns. This money pattern is common for six figure and multiple six figure earners. You make decisions based on what you can afford instead of asking what that money could actually create for you.  I am breaking down what the aspirational money pattern actually looks like for a high earner, why your relationship with money tends to shift as your income grows, and how to start making opportunity-based decisions instead of affordability-based ones. I also share three things to do this week to start closing the gap between the financial life you keep describing and the one your money is actually building. In this episode you'll learn... [00:05:15] What the aspirational money pattern actually looks like and why you can have a 401(k), a savings account, and real financial goals while still having a significant gap between what you say you want and what your money is doing. [00:10:30] Why your relationship with money tends to loosen as your income grows, and how the precision you had when you were making less money can quietly disappear when you start making more and give yourself permission to say yes to more things. [00:16:45] Why the question isn't simply whether you can afford something and what to ask instead, including how thinking about opportunity rather than affordability changes the way you make spending decisions. [00:21:20] How lifestyle creep shows up in the small, unintentional purchases, subscriptions, social media impulse buys, and car upgrades—and why none of it feels like a problem until you look back and realize your goals haven't moved in years. [00:26:40] The three things to do this week to start shifting out of the aspirational pattern, including how to identify what your spending has been delaying and how moving even $100 toward one goal before your next round of discretionary spending changes what you are able to see about yourself. Tune in to this episode of Money Files to understand the aspirational money pattern and how shifting from asking what you can afford to asking what your money could create can help you close the gap between the financial life you keep talking about and the one you are actually building. Get full show notes and the episode transcript: https://wealthovernow.com/the-aspirational-money-pattern-what-lifestyle-creep-actually-looks-like-at-six-figures/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Download my FREE spending plan

  3. Sep 22

    246 | Why Changing Your Money Starts With Your Financial Identity

    You have been telling yourself the same story about money for a long time. Maybe it has been ten years, maybe twenty, maybe longer. And somewhere along the way, the experiences piled up—the overdrafts, the debt, the decisions you wish you could take back—and they started to feel like evidence that you are just who you are with money. That this is how it is always going to be. But here is what I want you to sit with today: that old financial identity has had decades to practice. It is familiar. You know how to operate from it. You know how to make decisions from inside it. And the new financial identity you are building—the one where you look at your bank account without dreading what you will find, where you make decisions with intention instead of reacting to whatever is in front of you—that identity might be a day old, a week old, over even a year old. And I think we forget that. In this episode, I want to offer you a completely different way to look at where you are in your financial journey, because the way you talk to yourself while you are building something new matters In this episode, you'll learn... [00:05:10] Why your financial identity has been building for decades and why expecting your new one to perform his hindering your progress  [00:10:30] What it actually looks like to treat your new financial identity with the same compassion you would give anyone who is still learning something new [00:15:45] How every decision you make in alignment with who you are becoming reinforces your new financial identity and weakens the old one [00:20:20] How to use reflection to see how far you have actually come, even when you keep moving the goalpost [00:25:40] What to do when new life circumstances show up that you could not have predicted and why the identity you are building right now prepares you for them Get full show notes and the episode transcript: https://wealthovernow.com/why-changing-your-money-starts-with-your-financial-identity/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Download my FREE spending plan

  4. Sep 15

    245 | Are You Avoiding Your Money? 4 Reasons High Earners Avoid Their Finances

    What if avoiding your money does not actually look like avoiding your bank account? You can make six figures, own a home, contribute to your 401k, take vacations, and still have parts of your financial life that you do not want to look at. Maybe you keep saying you will deal with the credit card balance next month. Maybe you move money between accounts to cover the same gap every single month. Maybe you know how much is in savings but have not actually decided how you are going to grow it. Or maybe spending has become a way to get temporary relief when you are stressed, overwhelmed, or just tired from the week. In this episode I am breaking down financial avoidance and why it can be especially sneaky for high earners, because avoidance is not always about ignoring your finances. Sometimes it is about avoiding the discomfort of making a decision. You will hear why making good money can actually allow financial avoidance to continue longer than it should, the four reasons you may be avoiding your finances right now, and how repeatedly handing decisions to your future self can slowly erode the trust you have in yourself. And most importantly, I am giving you three things to practice over the next one to two weeks so you can start changing the pattern without turning your finances into another source of restriction or shame. In this episode you'll learn... What financial avoidance actually looks like for someone making six figures or more Why avoidance is not always about ignoring your bank account How spending, moving money between accounts, and making minimum payments can sometimes become forms of avoidance Why spending money is not automatically a problem and the question to ask yourself instead The four reasons you may be avoiding your finances: discomfort, protecting your identity, not knowing what to do with the information, and having an income that allows you to recover Why a high income can create a cushion between your financial decisions and their consequences How to tell the difference between making good money and actually having a money management system that works Why repeatedly saying I will deal with it later can damage your trust in yourself How to use spending tracking to understand what is actually happening with your money How fake math can keep you from making financial decisions The one financial decision you should make this week instead of handing it to your future self Tune in to this episode of Money Files to understand what financial avoidance really looks like when you make good money, what it is costing you, and what to do this week to finally stop handing uncomfortable financial decisions to your future self. Get full show notes and the episode transcript: https://wealthovernow.com/are-you-avoiding-your-money-4-reasons-high-earners-avoid-their-finances/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Download my FREE spending plan

  5. Sep 8

    244 | The 4 Money Alignment Types: Why Your Money Goals Aren’t Working

    Last week I introduced the say do gap the space between what you say you want financially and what your actions are actually supporting. This week I want to give you a framework for understanding why that gap exists and what it actually looks like in your day to day relationship with money. Because the gap does not look the same for everyone, and understanding your specific pattern is what makes it possible to actually close it. In this episode, I’ll introduce the Four A’s of Money Alignment so you can better understand the gap you need to close to reach your financial goals this year. The Four A’s are not a personality test. They’re a tool to help you illuminate why you might feel financially stuck in this season so you can respond with appropriate action. We’ll explore what it means to be Avoidant, Aspirational, Accidental, or Aligned with your money and how recognizing your current pattern can help you move toward a financial life that actually supports what you say you want. Because the goal isn’t to be perfect with your money. It’s to understand what you’re building and make decisions that help you build it. In this episode you'll learn... [00:05:10] Why the aspirational money pattern is so common among my clients  [00:10:30] What avoidance actually looks like for a high earner, why a six-figure income can make it easier to put off dealing with your money [00:15:45] Why the accidental money pattern can look really good from the outside while still leaving you without ownership of your financial success [00:20:20] What aligned money management actually means and why it has nothing to do with being perfect, never overspending, or having a car that never breaks down. [00:25:40] How to use the Four A’s as a tool for identifying your current money pattern in different areas of your financial life, so you can stop judging yourself for where you are and start making decisions about where you actually want to go. Tune in to this episode of Money Files to learn the four A's of money alignment and identify which pattern is showing up in your financial life right now so you can finally close the gap between what you say you want and the actions that will actually get you there. Get full show notes and the episode transcript: https://wealthovernow.com/the-4-money-alignment-types-why-your-money-goals-arent-working/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Download my FREE spending plan

  6. Sep 1

    243 | How to Identify the Say-Do Gap That Is Keeping You From Your Financial Goals

    You have set the financial goal. You have done the math. You know exactly how much you need to save every month to get there. And then you watch yourself not do it, not because you do not want it badly enough and not because you are bad with money, but because wanting something and doing something are two completely different muscles. And most people have never learned how to check whether their actions actually align with what they say they want. I am calling that the say-do gap. It is the space between what you say you want and what you actually do, and it shows up in every part of your life, not just your finances. You said you wanted more sleep and then stayed up scrolling. You said you wanted to call your mom more and then never made space in your calendar.  In this episode I am sharing the exact exercise I want you to do this week to find your own say do gap that is impacting your financial goals.  In this episode you'll learn... [00:05:10] What the say-do gap is and why it is not a willpower or  math problem  [00:14:30] Why telling yourself the cleanest version of the story about your spending is the exact thing that keeps the gap open [00:19:15] The 30-day spending exercise that shows you what your bank account says you want versus what you say you want [00:24:40] How to use what you find in your 30-day review to identify your specific gap Tune in to this episode of Money Files to learn what the say-do gap is and how identifying yours is the first step to finally closing the space between what you say you want financially and the actions that will actually get you there. Get full show notes and the episode transcript: https://wealthovernow.com/how-to-identify-the-say-do-gap-that-is-keeping-you-from-your-financial-goals/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Download my FREE spending plan

  7. Aug 25

    242 | The Financial Tripod: The 3 Things Your Budget Is Missing

    You know you should budget. You might even want to budget. But somewhere between knowing you should and actually sitting down to do it, something stops you. The thought of putting all of your numbers in a spreadsheet scares you because you are afraid of what the numbers will say. Maybe you think they will affirm that you have never been good with money. In this episode I want to kindly challenge your spreadsheet fears because avoiding the trade-offs in your finances does not actually eliminate them. It just makes them invisible. And invisible trade-offs are exhausting, because now you are constantly asking yourself whether you can afford something, whether you saved enough last month, whether you should book the trip, whether you should put more toward your credit card. You can make really good money and still live in that constant state of uncertainty, and that is exactly what I want to change for you. Today I am introducing what I call the financial tripod, a framework for building a balanced approach to your finances that invites you to look at your money from a completely different perspective. Instead of asking how much you should save or what you have to give up, I want you to start asking how you can manage your money well, spend your money well, and save well all at the same time. I also walk through a real client example where she came in thinking she spent $200 a month eating out and we discovered together that the real number was closer to $600, and why that kind of awareness is not about restriction but about finally being able to make choices that are actually yours. In this episode you'll learn... [00:04:30] Why the real reason most people avoid budgeting is not the spreadsheet itself  [00:09:15] What the financial tripod is [00:14:40] What true balance looks like in a budget  [00:24:45] Why the spreadsheet doesn’t actually matter  [00:29:10] What intentional spending and values-based budgeting actually look like in practice Tune in to this episode of Money Files to learn how the financial tripod reframes what budgeting actually is so you can stop avoiding your numbers and start building a financial life where you are managing your money well, spending your money well, and saving well all at the same time. Get full show notes and the episode transcript: https://wealthovernow.com/the-financial-tripod-the-3-things-your-budget-is-missing/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Download my FREE spending plan

  8. Aug 18

    241 | How to Treat Yourself for Your Birthday Without Derailing Your Financial Goals

    A listener asked me a question that I know has crossed your mind too, especially if your birthday is coming up or you are someone who loves to celebrate. The question was this: Keina, how do I treat myself for my birthday while also honoring my financial goals? And I love this question because it gets to something I think about a lot, which is that treating yourself and being intentional with your money are not two opposing things. You just need a framework for how to do both at the same time. Before you book anything or buy anything, I want you to get clear on what treating yourself actually means to you. Not what social media is telling you it should look like, not what your friends are doing for their birthdays, but what you actually want to feel when it is all over. In this episode I am walking you through a four part framework for thinking about your birthday and how to make a decision about celebrating yourself that you can actually feel good about, both in the moment and when you look at your bank account afterward. I also share how to start planning for your next treat right now so that the next time your birthday comes around, the money is already there and the guilt is not. In this episode you'll learn... [00:04:20] How to define what treating yourself actually means for you [00:08:45] How to build a menu of treat yourself options so you have real choices  [00:18:15] What to do if your birthday is this week and you do not have a plan yet [00:22:40] How to plan for your next treat by creating a dedicated treat yourself savings fund Tune in to this episode of Money Files to learn how to treat yourself for your birthday in a way that feels really good and still honors the financial goals you have set for yourself in this season of your life. Get full show notes and the episode transcript: https://wealthovernow.com/how-to-treat-yourself-for-your-birthday-without-derailing-your-financial-goals/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Download my FREE spending plan

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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
    283
  • Rating
    Clean
  • Copyright
    © Keina Newell - Personal Finance & Money Mindset Expert
  • Show Website
    Money Files: Money Mindset & Personal Finance

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