Phenomenally ADHD: Manage Money The ADHD Way

Zarina Boily | Money & ADHD Coach for Women
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Money can bring every ADHD challenge to the surface — impulsive spending, forgotten bills, avoidance, decision fatigue, debt stress, or earning good money and still wondering where it all went. Phenomenally ADHD is a podcast for women with ADHD who want to understand what is really happening with their money and learn to manage it in a way that works with their uniquely wired brain instead of fighting it. If money feels harder than it “should” — whether that means overspending, avoiding your numbers, struggling to save, forgetting financial tasks, feeling overwhelmed by decisions, or having no idea where your money keeps disappearing — you’re in the right place. Hosted by Zarina Boily, ADHD & Money coach and a woman with ADHD herself, this podcast explores ADHD through the lens of money because money touches almost everything: how we plan, decide, spend, earn, save, avoid, recover, and trust ourselves. You’ll learn how ADHD can influence: • impulsive and emotional spending • money avoidance and financial overwhelm • planning, saving, and following through • decision fatigue and executive-function friction • money habits, patterns, and triggers • self-trust and the way you define financial success Outspoken, funny, and enthusiastic, Zarina brings a practical edge to the money struggles so many ADHD women quietly carry, making complicated things feel simpler, more manageable, and far less exhausting. This is not about forcing yourself into budgets, routines, or financial systems that were never built for your brain. It is about understanding your patterns, using your strengths, reducing mental effort, and creating a more intentional and empowering relationship with money. You gain so much when you do money the ADHD way. That is how you move out of chaos and into clarity. You get to define success, money, meaning, and fulfillment on your own terms. Because the goal is not to blend in. The goal is to be true to yourself and phenomenally stand out in your own way. If you’re ready to stop trying to figure it all out alone and investigate what’s really going on with your money, a Breakthrough Coaching Session gives you personalized support to identify the money friction getting in your way and what to do next.

  1. Episode 1

    How to Avoid Back-to-School Overspending With ADHD

    You’re already juggling work, family, schedules, lunches, activities, and a million little decisions—then back-to-school hits and somehow the spending starts adding up faster than expected. If you have ADHD, that may not be a coincidence. Back-to-school can amplify the exact challenges that already make money harder to manage: time blindness, decision overload, last-minute urgency, planning friction, and the pressure to make everything work. And sometimes, overspending isn’t really about impulsiveness. It’s about your brain trying to make life easier. In this episode, I’m breaking down why back-to-school can become especially expensive when you have ADHD—and what you can do to reduce the stress, decisions, and friction that can quietly push your spending higher. You’ll learn: • How back-to-school adds dozens of small decisions that can overload your ADHD brain • Why spending can become a way to reduce friction when you’re stressed • How time blindness can make planning and saving ahead harder • Why traditional advice like “start early” or “compare prices” don't work • How creating defaults helps reduce your mental load • A simple way to make future time more visible • How to start putting money aside AND get a dopamine hit One of the most important questions in this episode is: What problem was I trying to make easier when I decided to buy this? Because when you understand what your ADHD brain was trying to solve, you can start changing the pattern without simply telling yourself to “spend less.” If back-to-school has you feeling overwhelmed, behind, or surprised by how much you’re spending, this episode will help you understand what may actually be happening underneath it. Tell me in the comments: What back-to-school decision drains your brain the fastest—meals, schedules, school supplies, activities, or something else? Any questions? Email me at zb@indigo.coach Free resources 🧠 ADHD Money Friction Quiz 💸 Join the Money Investigation Interest List Socials  📲 Connect on Instagram | Follow us on Facebook How I can help 🌐 Visit the Website 👩‍💻 Breakthrough consultation with Zarina 📚 Order your signed copy of the book A-Bun-Dance 4 Your Finance We love hearing from our listeners! Share your own stories, strategies, or questions. Your insights could be featured in a future episode! New episodes drop every other Sunday. Make sure you hit follow to stay in the loop.  If you enjoyed this episode and want to help spread the word, here’s a couple of things you can do:  Share this podcast with another ADHDer who needs to create a new scenario and change how they view ADHD  Leave a comment and a 5-star review to help other Women with ADHD find the podcast so they too, can tap into their brilliance more 🙂.

    How to Avoid Back-to-School Overspending With ADHD

  2. Episode 1 Bonus

    [Coaching Tips] When Knowing What to do With Money Isn't Enough When You Have ADHD (And What to Do About it)

    You’re successful in areas of your life that require far more complicated decisions than paying a bill or checking an account balance. So why can money be the thing you just… can’t make yourself deal with? If you have ADHD, knowing what to do with money and being able to start doing it are not necessarily the same thing. And that distinction matters. In this episode, we’re looking beneath the usual “I just need to be more disciplined” explanation and exploring what may actually be happening when you repeatedly struggle to start financial tasks you know are important. You’ll hear why something as seemingly straightforward as “manage my money” can create so much friction: too many decisions, no obvious starting point, working-memory demands, delayed rewards, boredom, overwhelm, and the emotions money itself can carry. I’ll also share what I personally do on days when my capacity seems to have taken a vacation—and why asking yourself for the three tiniest things you can start and finish may be more useful than trying to force your brain into a task it currently experiences as enormous. In this bonus episode, you’ll learn: • Why knowing what to do doesn’t automatically make starting easier • Why importance and motivation don’t tell the whole story • Four common reasons an ADHD brain can struggle to initiate a task • Why money management contains far more invisible steps than it appears to • How decision fatigue and working-memory overload can show up with finances • Why fear, guilt, frustration, and overwhelm can make ordinary financial tasks feel loaded • What happens when your physical, emotional, or mental capacity is depleted • How the “three tiniest things” approach can help reduce the activation threshold One idea to take with you You may not always need to make yourself try harder. Sometimes you need to make the starting point smaller. As I say in this episode: “Starting becomes easier for your brain when the starting threshold is reduced.” If you know what you want to change with your money but repeatedly struggle to get started or follow through, my Breakthrough Consultation is designed to help identify the ADHD money challenge creating the most friction and turn one financial goal into a personalized strategy and action plan. 👩‍💻 Breakthrough consultation with Zarina Any questions? Email me at zb@indigo.coach Free resources 🧠 ADHD Money Friction Quiz 💸 Join the Money Investigation Interest List Socials  📲 Connect on Instagram | Follow us on Facebook How I can help 🌐 Visit the Website 📚 Order your signed copy of the book A-Bun-Dance 4 Your Finance

    [Coaching Tips] When Knowing What to do With Money Isn't Enough When You Have ADHD (And What to Do About it)

  3. Episode 2

    How to Make Boring Money Tasks Interesting for Your ADHD Brain

    You make good money. You know what you should be doing with it. But staying interested enough to actually manage it? That can be a completely different story with ADHD. When money feels boring, repetitive, overwhelming, or too far removed from any immediate reward, even simple financial tasks can become surprisingly difficult to start and stick with. In this episode, I’m exploring why interest matters so much for the ADHD brain and how making money more engaging can reduce some of the friction around saving, planning, tracking, and following through. We’ll talk about why retirement can feel too far away to motivate action, why money tasks that seem “simple” can be mentally exhausting, and why your brain may naturally look for shortcuts when something feels complicated. I’ll also share a real coaching example of how simplifying a monthly cash flow plan helped one of my clients make the process much easier to complete. And I’ll give you one question you can use immediately. Because the goal isn’t to force yourself to become fascinated by money. It’s to make managing it interesting enough, simple enough, and rewarding enough that your brain is more willing to engage. If money is the one part of your life where you keep thinking, “Why can’t I just get this together?” this episode is for you. 💬 What part of managing money bores your brain the most? Tell me in the comments. If you want more conversations about ADHD, women, money, and creating financial systems that work with the way your brain actually functions, subscribe to the channel. Key Takeaways Earning enough money doesn’t automatically make managing it easier. You can be intelligent, successful and responsible while financial tasks still demand disproportionate mental effort. A distant reward is a weak motivator for an interest-based brain. That helps explain why retirement or long-term saving can feel abstract even when you know they matter. You don’t have to make money fascinating. You’re looking for a small enough spark of interest to make taking action easier. The number of steps matters. Statements, balances, minimum payments and decisions that seem tiny individually can become exhausting when they pile up. Any questions? Email me at zb@indigo.coach 👩‍💻 Breakthrough consultation with Zarina Free resources 🧠 ADHD Money Friction Quiz 💸 Join the Money Investigation Interest List Socials  📲 Connect on Instagram | Follow us on Facebook How I can help 🌐 Visit the Website 📚 Order your signed copy of the book A-Bun-Dance 4 Your Finance We love hearing from our listeners! Share your own stories, strategies, or questions. Your insights could be featured in a future episode! New episodes drop every other Sunday. Make sure you hit follow to stay in the loop.  If you enjoyed this episode and want to help spread the word, here’s a couple of things you can do:  Share this podcast with another ADHDer who needs to create a new scenario and change how they view ADHD.  Leave a comment and a 5-star review to help other Women with ADHD find the podcast so they too, can tap into their brilliance more 🙂.

    How to Make Boring Money Tasks Interesting for Your ADHD Brain

  4. Episode 2 Bonus

    [Coaching Tips] How I Self-Regulate as a Late-Diagnosed Women with ADHD

    You arrive home after a demanding day—but instead of immediately going inside, you sit quietly in the car for a few minutes. Sound familiar? For women with ADHD, seemingly small behaviors like this can reveal something important about how our brains handle transitions, stimulation and the constant starting and stopping that fills a typical workday. In this episode, I’m sharing why I’ve learned to stop fighting some of the things my brain naturally wants to do and start asking a much more useful question. I’ll share how sitting quietly in my car helps me transition after a busy day, what an uncomfortable moment during a work meeting taught me about advocating for my ADHD brain, and why the exact same principle can change the way we approach money. Because managing money isn’t one simple task. It involves checking, deciding, starting, stopping, remembering and transitioning—and when the system you’re using doesn’t fit your brain, every one of those steps can become harder than it needs to be. In this episode, you’ll learn: Why you may crave silence before transitioning from work to home How constant starting, stopping and decision-making can affect an ADHD brain Why a behavior other people misunderstand may actually help you focus What self-advocacy can look like after an adult ADHD diagnosis Why traditional money systems may create additional friction for ADHD women How to start approaching financial tasks differently instead of simply trying harder Why financial self-trust is an important part of changing your relationship with money Episode Highlight One of the most useful questions I’ve learned to ask myself when something isn’t working is: “How can I do this differently?” The goal isn’t to become better at forcing yourself through a system that doesn’t work for you. It’s to find a way of doing the task that does. Also in This Episode I introduce Money Investigation, a five-mission experience where you become a “money PI” and investigate your own finances—what your numbers are, where your money goes and what’s creating the financial chaos or uncertainty you’re experiencing. It’s intentionally designed around things the ADHD brain responds to: interest, creativity, simplicity and play. The bigger goal? Building your financial self-trust. If this episode makes you think of another woman with ADHD who keeps trying harder when she may simply need a different approach, share it with her. Any questions? Email me at zb@indigo.coach Free resources 🧠 ADHD Money Friction Quiz 💸 Join the Money Investigation Interest List Socials  📲 Connect on Instagram | Follow us on Facebook How I can help 🌐 Visit the Website 👩‍💻 Breakthrough consultation with Zarina 📚 Order your signed copy of the book A-Bun-Dance 4 Your Finance

    [Coaching Tips] How I Self-Regulate as a Late-Diagnosed Women with ADHD

  5. Episode 3

    A Simple Money Routine for ADHD Women When Energy Drops

    You may be perfectly capable of managing your money when you have enough energy, focus, and bandwidth. Then your capacity drops. Life gets busy. You're tired. Your brain has too many other things competing for attention. And suddenly the financial tasks you normally know how to handle start slipping out of view. If you have ADHD, that change in capacity can make staying connected to your money much harder—and trying to fix it by demanding even more consistency from yourself isn't the answer. In this episode of Phenomenally ADHD, we're looking at a simpler way to manage money when your energy and attention aren't always predictable. I walk you through three practical financial checkpoints that create a way to reconnect with your money without requiring you to monitor everything perfectly every day. You'll learn: • Why changing capacity can make financial routines harder to maintain• How frequent checkpoints can help you reconnect when money falls out of focus• Why making some decisions in advance can reduce pressure later• How reviewing your numbers can replace vague financial worry with useful information• Why ADHD-friendly consistency doesn't have to mean doing the same thing perfectly forever• How reliable reset points can make a financial system easier to return to when life gets harder The goal isn't to build a money routine for the version of you who always has plenty of time, focus, and energy. It's to create one you can still find your way back to when you don't. Any questions? Email me at zb@indigo.coach Free resources 🧠 ADHD Money Friction Quiz 💸 Join the Money Investigation Interest List Socials 📲 Connect on Instagram | Follow us on Facebook How I can help 🌐 Visit the Website 👩‍💻 Breakthrough Consultation with Zarina 📚 Order your signed copy of the book A-Bun-Dance 4 Your Finance We love hearing from our listeners! Share your own stories, strategies, or questions. Your insights could be featured in a future episode! New episodes drop every week. Make sure you hit follow to stay in the loop. If you enjoyed this episode and want to help spread the word, here’s a couple of things you can do: 1. Share this podcast with another ADHDer who needs to create a new scenario and change how they view ADHD. 2. Leave a comment and a 5-star review to help other Women with ADHD find the podcast so they too, can tap into their brilliance more 🙂.

    A Simple Money Routine for ADHD Women When Energy Drops
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Money can bring every ADHD challenge to the surface — impulsive spending, forgotten bills, avoidance, decision fatigue, debt stress, or earning good money and still wondering where it all went. Phenomenally ADHD is a podcast for women with ADHD who want to understand what is really happening with their money and learn to manage it in a way that works with their uniquely wired brain instead of fighting it. If money feels harder than it “should” — whether that means overspending, avoiding your numbers, struggling to save, forgetting financial tasks, feeling overwhelmed by decisions, or having no idea where your money keeps disappearing — you’re in the right place. Hosted by Zarina Boily, ADHD & Money coach and a woman with ADHD herself, this podcast explores ADHD through the lens of money because money touches almost everything: how we plan, decide, spend, earn, save, avoid, recover, and trust ourselves. You’ll learn how ADHD can influence: • impulsive and emotional spending • money avoidance and financial overwhelm • planning, saving, and following through • decision fatigue and executive-function friction • money habits, patterns, and triggers • self-trust and the way you define financial success Outspoken, funny, and enthusiastic, Zarina brings a practical edge to the money struggles so many ADHD women quietly carry, making complicated things feel simpler, more manageable, and far less exhausting. This is not about forcing yourself into budgets, routines, or financial systems that were never built for your brain. It is about understanding your patterns, using your strengths, reducing mental effort, and creating a more intentional and empowering relationship with money. You gain so much when you do money the ADHD way. That is how you move out of chaos and into clarity. You get to define success, money, meaning, and fulfillment on your own terms. Because the goal is not to blend in. The goal is to be true to yourself and phenomenally stand out in your own way. If you’re ready to stop trying to figure it all out alone and investigate what’s really going on with your money, a Breakthrough Coaching Session gives you personalized support to identify the money friction getting in your way and what to do next.

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