Dr. Sev Talks Money

Severine Bryan, DBA, AFC®

The Dr. Sev Talks Money podcast's mission is to empower women to approach money confidently, reframe their financial habits, and build a future where their money is a tool for opportunity and security. Through Dr. Sev Talks Money YouTube channel and Podcast, I provide actionable advice and inspiration to help you achieve financial freedom. Website: https://www.sevtalksmoney.com/ YouTube: https://www.youtube.com/c/DrSeverineBryan--SevTalksMoney LinkedIn: https://www.linkedin.com/in/severinebryan-financialcoach/

  1. 22h ago

    Divorce After 32 Years: Rebuilding Credit, Confidence, and Life From Scratch

    What does it actually look like to start your life over at 60 — after 32 years of marriage, after losing your identity as a wife, a first lady, and a woman who gave everything to everyone else? Tanya Washington did it, and she didn't just survive — she rebuilt from the ground up. In this episode, Tanya shares how she went from a 498 credit score to a 742, earned two associate degrees later in life, and rediscovered herself after decades of being defined by her roles. Her story is honest, practical, and deeply encouraging for any woman who has ever wondered if it's too late to start again. We cover the identity shift that hits hardest after a long marriage ends, how going back to school gave her a space to just be Tanya, the step-by-step credit journey that changed her financial life, the mindset shift that made rebuilding feel possible, and what she says to women who feel too exhausted or too far behind to even try. If you've been waiting for permission to begin again — this is it. **************************************************** Join Dr. Sev's Wealth Warriors Community for more financial discussions and insights (FREE to join): https://www.skool.com/wealth-warriors-community-1025/about **************************************************** The Dr. Sev Talks Money podcast's mission is to empower women to approach money confidently, reframe their financial habits, and build a future where their money is a tool for opportunity and security. Through Dr. Sev Talks Money YouTube channel and Podcast, I provide actionable advice and inspiration to help you achieve financial freedom. Join me for one-on-one coaching, group sessions, workshops, or speaking engagements as we journey to financial empowerment together. It’s never too late to begin again—let’s make it happen! Here is one way you can support the Dr. Sev Talks Money podcast and YouTube channel: https://www.buymeacoffee.com/DrSevTalksMoney My website: www.sevtalksmoney.com YouTube: https://www.youtube.com/c/DrSeverineBryan--SevTalksMoney LinkedIn: https://www.linkedin.com/in/severinebryan/ **************************************************** Tanya's bio and ways to connect: Tanya "Winningatlife" Washington is a transformational voice for women over 60 who are rebuilding their lives after divorce, loss, and major life transitions. A mother of nine, she spent over three decades in marriage before facing the reality of starting over—emotionally, financially, and personally. After her divorce, Tanya rebuilt her life from the ground up—raising her credit score from 498 to 742, returning to college to earn two associate degrees, and creating financial independence on her own terms. Through her content, coaching, and digital products, she now helps women 60+ reclaim their identity, rebuild confidence, and create a clear path forward without feeling overwhelmed. Known for her calm, honest, and no-nonsense approach, Tanya teaches that it’s never too late to start again—and that rebuilding your life is not failure, it’s transformation. Connect with Tanya: Instagram @IAmTanyaWinningAtLife | Facebook: Tanya Winning at Life 0:00 — What Does Starting Over at 60 Really Look Like? 2:00 — Why She Goes By "Tanya Winning at Life" 5:00 — 32 Years of Marriage, Then Starting From Scratch 10:00 — How Going Back to School Helped Her Find Herself Again 16:00 — From a 498 to a 742 Credit Score: The Real Journey 24:00 — Why Community Is the Secret Weapon Nobody Talks About 26:00 — The Mindset Shift That Made Rebuilding Feel Possible 33:00 — What to Do When You Feel Too Old and Too Exhausted to Rebuild 37:00 — What Tanya Is Working on Now and Where to Find Her

    41 min
  2. 6d ago

    Starting Over After Divorce: 3 Steps to Rebuild Your Finances

    Starting over after 50 is not failure, it is a rebuild. In this video on starting over financially after 50, I walk you through three steps to help you get clear, build stability, and choose one priority as you rebuild your finances after divorce, job loss, or any major life disruption. You will learn$ How to get clear on what you have to work with right now$ How to build financial stability after a major disruption$ How to choose one priority instead of trying to fix debt, credit, and savings all at once$ Why starting over is not the same as starting from zero If you are rebuilding your finances after divorce, recovering your credit score, or just trying to feel less behind with money after 50, this video is for you. You are not behind. You are rebuilding with more wisdom, more clarity, and more intention. **************************************************** The free five-minute money mindset reset resource helps you start. The community helps you keep going. *Grab the free download, 5-Minute Money Mindset Reset: https://www.sevtalksmoney.com/wp-content/uploads/2026/06/5-Minute-Money-Reset.pdf Join Dr. Sev's Wealth Warriors Community for more financial discussions and insights (FREE to join): https://www.skool.com/wealth-warriors-community-1025/about **************************************************** The Dr. Sev Talks Money podcast's mission is to empower women to approach money confidently, reframe their financial habits, and build a future where their money is a tool for opportunity and security. Through Dr. Sev Talks Money YouTube channel and Podcast, I provide actionable advice and inspiration to help you achieve financial freedom. Join me for one-on-one coaching, group sessions, workshops, or speaking engagements as we journey to financial empowerment together. It’s never too late to begin again—let’s make it happen! Here is one way you can support the Dr. Sev Talks Money podcast and YouTube channel: https://www.buymeacoffee.com/DrSevTalksMoney My website: www.sevtalksmoney.com YouTube: https://www.youtube.com/c/DrSeverineBryan--SevTalksMoney LinkedIn: https://www.linkedin.com/in/severinebryan/ 0:00 Intro: Starting Over After 50 Is Not Failure 0:38 Life Events That Disrupt Your Finances 1:00 Reframe: You're Not Starting From Zero 1:24 Step 1: Get Clear On What You Have 2:58 Step 2: Rebuilding After Divorce: Build Financial Stability 4:12 Reduce Financial Chaos 6:35 Create Predictability With Your Money 9:23 Build Your Emergency Fund 11:14 Step 3: Choose One Priority 12:20 Take One Action Today 13:33 Mistakes To Avoid When Rebuilding 14:00 You Are Not Behind, You Are Rebuilding 14:22 Free 5-Minute Money Mindset Reset to get started 14:37 Join The Wealth Warriors Community to continue the conversation

    16 min
  3. Jun 2

    Shame-Free Money: The $60K Debt Payoff Story

    Have you ever assumed that someone with a degree and a good credit score must have their finances together? Many people assume that a good income, a strong career, or an excellent credit score automatically means financial success. Attorney and financial literacy educator Karlesha Hewitt learned firsthand that this isn't always true. In this episode, Karlesha shares how she paid off nearly $60,000 in debt in two years, the money habits she had to change, and why learning the language of money transformed her life. We discuss financial literacy, debt payoff, budgeting, accountability, money mindset, and practical ways to build lasting financial confidence. **************************************************** Join Dr. Sev's Wealth Warriors Community for more financial discussions and insights (FREE to join): https://www.skool.com/wealth-warriors-community-1025/about **************************************************** The Dr. Sev Talks Money podcast's mission is to empower women to approach money confidently, reframe their financial habits, and build a future where their money is a tool for opportunity and security. Through Dr. Sev Talks Money YouTube channel and Podcast, I provide actionable advice and inspiration to help you achieve financial freedom. Join me for one-on-one coaching, group sessions, workshops, or speaking engagements as we journey to financial empowerment together. It’s never too late to begin again—let’s make it happen! Here is one way you can support the Dr. Sev Talks Money podcast and YouTube channel: https://www.buymeacoffee.com/DrSevTalksMoney My website: www.sevtalksmoney.com YouTube: https://www.youtube.com/c/DrSeverineBryan--SevTalksMoney LinkedIn: https://www.linkedin.com/in/severinebryan/ **************************************************** Karlesha's information Karlesha V. Hewitt, Esq. founded WisdomChild Consulting in 2023 with a heart toward equipping people with the tools, resources, and wisdom needed for life changing empowerment and long-term financial stability. Primarily through Financial Literacy Education, she helps people Get Wisdom That Cannot Be Taken! Karlesha's perspective comes from learned and lived experience. After exposure to various perspectives on saving, budgeting, paying off debt, and wealth building as well as practical application, Karlesha paid off close to $60,000 in debt over a two year period (not including student loans). Then she began leading and teaching others through dynamic, interactive, and interpersonal financial literacy workshop courses. Connect with Karlesha: 🌐 wisdomchildconsulting.com 📅 June cohort: search "Money Talks Academy" or "Karlesha Hewitt" on Eventbrite Work she supports: Girls on a Mission with Ambition https://girlsonamissionwa.org/ 00:00 Can You Have a Great Credit Score and Still Struggle With Money?01:53 Karlesha's $60,000 Debt Wake-Up Call05:10 The Podcast That Changed Her Financial Life07:00 Facing Your Financial Reality and Creating a Plan08:45 Support the Show09:10 Signs Someone Looks Wealthy but Isn't Financially Healthy13:05 Financial Shame and Why It Keeps People Stuck15:20 Staying Motivated When Budgeting Feels Overwhelming19:10 Faith, Stewardship, and Financial Goals21:45 Why Community Accountability Matters25:00 Free Ways to Improve Your Financial Literacy28:05 Teaching Money Across Different Life Experiences31:10 Money Talks Academy and Financial Transformation33:05 Information vs Transformation: Why Action Matters34:00 Final Thoughts: Learn the Language of Money

    36 min
  4. May 25

    Designing Wealth With Purpose, Legacy, and Financial Alignment

    In this episode, Dr. Sev sits down with CPA and legacy strategist, Albert Butler, to discuss the emotional, financial, and personal side of money that often gets ignored. Albert shares why internal wholeness has to come before any financial strategy, how to shift from chasing money to chasing purpose, and what Legacy Over Ledgers looks like in real life — especially for someone navigating a major life transition like divorce or retirement. They also discussed practical insights on budgeting, personal cash flow, scaling yourself before scaling a business, and building a financial legacy that goes beyond wealth accumulation. **************************************************** Join Dr. Sev's Wealth Warriors Community for more financial discussions and insights (FREE to join): https://www.skool.com/wealth-warriors-community-1025/about **************************************************** The Dr. Sev Talks Money podcast's mission is to empower women to approach money confidently, reframe their financial habits, and build a future where their money is a tool for opportunity and security. Through Dr. Sev Talks Money YouTube channel and Podcast, I provide actionable advice and inspiration to help you achieve financial freedom. Join me for one-on-one coaching, group sessions, workshops, or speaking engagements as we journey to financial empowerment together. It’s never too late to begin again—let’s make it happen! Here is one way you can support the Dr. Sev Talks Money podcast and YouTube channel: https://www.buymeacoffee.com/DrSevTalksMoney My website: www.sevtalksmoney.com YouTube: https://www.youtube.com/c/DrSeverineBryan--SevTalksMoney LinkedIn: https://www.linkedin.com/in/severinebryan/ **************************************************** Albert's information Albert Butler, CPA, MBA is an author, nationally recognized CPA, strategic advisor, and creator of the Legacy Alignment System, a framework designed to help leaders, entrepreneurs, and families align purpose, structure, money, and legacy. With more than 25 years of experience in public accounting, business advisory, and executive financial leadership, Albert has built his career around one core belief: Accounting is the Heartbeat of Business. Check out his book here

    37 min
  5. May 19

    Building a Business With Creativity and Limited Money

    Kira Hartley Klinger built her reselling empire one thrift store find at a time as a divorced single mom with no startup capital and no business plan, just the drive to make it work. In this episode, Dr. Sev and Kira get real about free marketing, time management with kids, hard money lessons, and why doing it imperfectly beats not doing it at all. If you've ever wondered whether it's too late to start, Kira's story — from side hustle to Etsy shop to published author to TV — will remind you: it's never too late. You just have to start where you are. **************************************************** Join Dr. Sev's Wealth Warriors Community for more financial discussions and insights (FREE to join): https://www.skool.com/wealth-warriors-community-1025/about **************************************************** The Dr. Sev Talks Money podcast's mission is to empower women to approach money confidently, reframe their financial habits, and build a future where their money is a tool for opportunity and security. Through Dr. Sev Talks Money YouTube channel and Podcast, I provide actionable advice and inspiration to help you achieve financial freedom. Join me for one-on-one coaching, group sessions, workshops, or speaking engagements as we journey to financial empowerment together. It’s never too late to begin again—let’s make it happen! Here is one way you can support the Dr. Sev Talks Money podcast and YouTube channel: https://www.buymeacoffee.com/DrSevTalksMoney My website: www.sevtalksmoney.com YouTube: https://www.youtube.com/c/DrSeverineBryan--SevTalksMoney LinkedIn: https://www.linkedin.com/in/severinebryan/ **************************************************** Kira's information: Kira Hartley Klinger is a longtime internet shop owner and the author behind two books (Fabric Wars) that delve into the entertaining and lucrative world of auctions and resale. She is an entrepreneur, reseller, and creative force who built her business from the ground up as a single mom. Contact Kira here: https://www.etsy.com/shop/DodOddity

    39 min
  6. May 12

    Personality Type and Money Mindset: What's Driving Your Financial Behavior?

    Doug Lynam spent 20 years as a Benedictine monk before becoming a financial advisor, and that unusual path gave him a front-row seat to something most financial professionals miss entirely. In this episode, Doug explains how your Enneagram personality type shapes the way you earn, save, invest, and give, and introduces his concept of the "sacred wound", the emotional pattern from your past that's been running your money decisions ever since. This isn't about budgets or discipline. It's about understanding why you do what you do, so you can finally start doing something different. **************************************************** Join Dr. Sev's Wealth Warriors Community for more financial discussions and insights (FREE to join): https://www.skool.com/wealth-warriors-community-1025/about **************************************************** The Dr. Sev Talks Money podcast's mission is to empower women to approach money confidently, reframe their financial habits, and build a future where their money is a tool for opportunity and security. Through Dr. Sev Talks Money YouTube channel and Podcast, I provide actionable advice and inspiration to help you achieve financial freedom. Join me for one-on-one coaching, group sessions, workshops, or speaking engagements as we journey to financial empowerment together. It’s never too late to begin again—let’s make it happen! Here is one way you can support the Dr. Sev Talks Money podcast and YouTube channel: https://www.buymeacoffee.com/DrSevTalksMoney My website: www.sevtalksmoney.com YouTube: https://www.youtube.com/c/DrSeverineBryan--SevTalksMoney LinkedIn: https://www.linkedin.com/in/severinebryan/ **************************************************** Doug's information: Book Doug as a coach or keynote speaker, purchase his books, or hire him as an investment advisor. His goal is to help you master your money so you can live a life that makes your soul sing. Website: https://www.douglynam.com/ Substack: https://substack.com/@douglynam Facebook: https://www.facebook.com/douglynam/ LinkedIn: https://www.linkedin.com/in/doug-lynam/ Instagram: https://www.instagram.com/douglynam/ YouTube: https://www.youtube.com/@douglynam Amazon Link to Taming Your Money Monster: Nine Paths To Money Mastery With The Enneagram: https://bit.ly/4pvyLvQ Amazon Link to From Monk To Money Manager: A Former Monk’s Financial Guide To Becoming A Little Bit Wealthy – And Why That’s Okay: https://bit.ly/45zwNDC IEQ9 Enneagram Test: https://www.integrative9.com/DougLynam/enneagram/test/individual/

    35 min
  7. May 5

    Rethinking Debt, Habits, and Money Stress

    In this episode of the Dr. Sev Talks Money podcast, Dr. Sev and Andy Bennetts, financial empowerment coach, explore why many people struggle with money even when budgeting, paying bills, and trying to do everything right. They break down common money beliefs that may be holding us back, the emotional and mental weight of debt, and how to move from financial overwhelm to financial clarity with simple, practical changes. They also unpack the emotional and spiritual impact of debt, question popular financial advice like “never use a credit card,” and discuss how the banking system profits when we don’t fully understand how money works.   **************************************************** Join Dr. Sev's Wealth Warriors Community for more financial discussions and insights (FREE to join): https://www.skool.com/wealth-warriors-community-1025/about **************************************************** The Dr. Sev Talks Money podcast's mission is to empower women to approach money confidently, reframe their financial habits, and build a future where their money is a tool for opportunity and security. Through Dr. Sev Talks Money YouTube channel and Podcast, I provide actionable advice and inspiration to help you achieve financial freedom. Join me for one-on-one coaching, group sessions, workshops, or speaking engagements as we journey to financial empowerment together. It’s never too late to begin again—let’s make it happen! Here is one way you can support the Dr. Sev Talks Money podcast and YouTube channel: https://www.buymeacoffee.com/DrSevTalksMoney My website: www.sevtalksmoney.com YouTube: https://www.youtube.com/c/DrSeverineBryan--SevTalksMoney LinkedIn: https://www.linkedin.com/in/severinebryan/ **************************************************** Andy's information: If today’s conversation inspired you to take charge of your finances, visit EmpowerWealth.Solutions and click Get Started. There you’ll find free tools, resources, and a way to book your own ‘Debt Behind Me, Wealth Before Me’ session. Because debt isn’t a life sentence — you really can change your financial future. Andy Bennetts is a former educator turned financial empowerment coach and the founder of Empowered Wealth Solutions, partnered with United Financial Freedom. He is known for helping families break free from long-term debt, rethink traditional banking math, and build financial futures rooted in faith, stewardship, and freedom. Through his work, Andy helps families eliminate debt years faster, including their mortgage, save tens to hundreds of thousands of dollars in unnecessary interest, and replace financial stress with clarity, peace, and long-term vision using a proven, math-based financial strategy. Website: https://empowerwealth.solutions/ YouTube: https://www.youtube.com/@Empower-Wealth-2024 Facebook: https://www.facebook.com/andy.bennetts.2024

    32 min
  8. Apr 28

    The Invisible Cost of a Budget You Hate

    Do you hate your budget, or does your budget hate you? In this episode, Dr. Sev and Linda Grizely unpack why most budgets fail: they're built against your personality, not with it. Linda shares how one simple experiment led to the ME Money Method — a framework that helps you spend without guilt and save without deprivation. You'll discover why your money personality matters more than any spreadsheet, how to give yourself permission to enjoy the money you've worked hard for, and why understanding your emotions around money is the real first step toward financial confidence. **************************************************** Join Dr. Sev's Wealth Warriors Community for more financial discussions and insights (FREE to join): https://www.skool.com/wealth-warriors-community-1025/about **************************************************** The Dr. Sev Talks Money podcast's mission is to empower women to approach money confidently, reframe their financial habits, and build a future where their money is a tool for opportunity and security. Through Dr. Sev Talks Money YouTube channel and Podcast, I provide actionable advice and inspiration to help you achieve financial freedom. Join me for one-on-one coaching, group sessions, workshops, or speaking engagements as we journey to financial empowerment together. It’s never too late to begin again—let’s make it happen! Here is one way you can support the Dr. Sev Talks Money podcast and YouTube channel: https://www.buymeacoffee.com/DrSevTalksMoney My website: www.sevtalksmoney.com YouTube: https://www.youtube.com/c/DrSeverineBryan--SevTalksMoney LinkedIn: https://www.linkedin.com/in/severinebryan/ **************************************************** Linda's links Website: https://www.LindaGriz.comInstagram: https://www.instagram.com/lindagrizelyFacebook: https://www.facebook.com/thelindagrizelyLinkedIn: https://www.linkedin.com/in/linda-grizelyYouTube: https://www.youtube.com/@LindaGrizelyResources/Freebies: https://www.lindagriz.com/resources (Free Money Personality and Financial Confidence quizzes and more) Linda's Bio: Linda Grizely (pronounced Grizzly, like the bear) is a personal finance educator, motivational speaker, and the creator of the MeMoney™ method - an approach that helps women stop putting themselves last. Because you can’t build a life you love on a budget you hate. Linda offers online courses in all things personal finance, blending practical tools with deep emotional clarity. A former teen mom who went back to college at 48 and built a multi six-figure financial career, she now helps women reclaim financial confidence and think bigger about what’s possible. She’s a personal growth junkie - continually learning -consistently working on leveling up - and always trying to think bigger

    28 min

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About

The Dr. Sev Talks Money podcast's mission is to empower women to approach money confidently, reframe their financial habits, and build a future where their money is a tool for opportunity and security. Through Dr. Sev Talks Money YouTube channel and Podcast, I provide actionable advice and inspiration to help you achieve financial freedom. Website: https://www.sevtalksmoney.com/ YouTube: https://www.youtube.com/c/DrSeverineBryan--SevTalksMoney LinkedIn: https://www.linkedin.com/in/severinebryan-financialcoach/