The Money Mom Podcast

Rachel Coons

Welcome to The Money Mom Podcast—the ultimate guide for moms who want to take control of their finances, crush debt, and create a life of financial freedom and abundance. Hosted by Rachel Coons, a budgeting expert and mom of three, this podcast is your go-to resource for practical tips, mindset shifts, and empowering strategies to help you manage your money with confidence. Whether you’re navigating grocery budgets, tackling debt, or dreaming of building wealth for your family, each episode offers bite-sized, actionable advice to make money management simple, stress-free, and even enjoyable. With relatable stories, expert insights, and a dose of mom-to-mom encouragement, you'll learn how to transform your finances—one small step at a time. Tune in every week to discover how to save more, spend smarter, and feel empowered to create the financial life you deserve. Because when moms thrive financially, families flourish.

  1. 4D AGO

    102: Why You Still Feel Broke (Even If You Have Money)

    Have you ever looked at your bank account and thought… “Why do I still feel broke?” The bills are paid. Your income might even be decent. But somehow, money still feels stressful, tight, and like it’s constantly slipping through your fingers. In this episode of the Money Mom Podcast, I’m breaking down why you can have money and still feel broke—and what’s actually going on beneath the surface. Because here’s the truth most financial advice won’t tell you:  👉 It’s not just about how much money you make.  👉 It’s about how safe you feel with the money you already have. Inside this episode, we’re diving into: Why making more money doesn’t fix financial stressThe hidden reason your money keeps “disappearing”How emotional spending is quietly keeping you stuckThe difference between reactive vs. intentional spendingHow to stop feeling broke—even before your income changesIf you’ve ever found yourself: Overspending on Amazon, Target, or takeoutWondering where your money went at the end of the monthFeeling guilty, stressed, or anxious about moneyOr stuck in a cycle of “I just need to make more money…”This episode will completely shift how you see your finances. Because the goal isn’t just more money…  It’s creating a calm, confident, and intentional relationship with money. And that starts today. If this episode resonated with you, make sure to subscribe and share it with a friend who needs to hear this. And if you’re ready to feel more in control of your money (without restriction or overwhelm), register for my free LIVE training next week! 💛 JOIN US HERE Keywords: budgeting for moms, why do I feel broke, emotional spending, money mindset, financial stress, grocery budgeting, intentional spending, stop overspending, personal finance for moms, money habits, scarcity vs abundance xoxo, Rachel Where to find me: Instagram: @heyrachelcoons Join me for my free training to cut your grocery bill by $600 every month: Register HERE

    9 min

  2. MAR 17

    101: What Real Money Coaching Sounds Like: Budgeting, Curveballs, and Money Mindset

    In today’s episode, I’m doing something a little different. I’m sitting down with Jenna for a real, unfiltered coaching conversation about the money struggles so many women face but don’t always talk about out loud. We talk about how to budget without feeling restricted, what to do when unexpected expenses hit, and why money stress is often about so much more than the numbers. This conversation gets into the real emotions behind spending, debt payoff, fear, freedom, family, and learning how to trust yourself with money. If you’ve ever felt like you know what to do with your money but still struggle to actually feel calm and confident doing it, this episode is for you. Jenna's podcast: How One Mom Paid off $42,000 of Debt in Just 12 Months! xoxo, Rachel Where to find me: Instagram: @heyrachelcoons Join me for my free training to cut your grocery bill by $600 every month: Register HERE

    36 min

  3. MAR 10

    100: It Started with Groceries… And It Became So Much More

    🎉 Episode 100 of The Money Mom Podcast! 🎉 Today’s episode is extra special because we’re celebrating our 100th episode with a real-life Money Mom Club member story—one that so many moms are going to see themselves in. I’m joined by Stephanie Griffin, a mom of two (including a teen boy + a college kid!) who moved from the East Coast to California and found herself overwhelmed by the cost of living, inflation, and the never-ending “feed everyone all day” cycle—especially after COVID hit. In this conversation, Stephanie shares: How she went from burned out + stressed about food/groceries to feeling organized and confident againThe mindset shift from “I never have enough” (even when the pantry is full) to a calmer, more abundant relationship with moneyWhy grocery delivery (yes, even if it costs money!) became a time-freedom game changerHow Shop the Shelf challenges helped her actually use what she already had and waste less (“cash in the trash” 😅)The ripple effect this had on her family—more teamwork, less stress, and better money conversationsAnd how her language with her kids changed from “we can’t afford that” to “we’re choosing to spend differently right now” (😭 so good)If you’ve been wondering if change is possible for you—especially if you’re already “good with budgeting” but still feel that underlying money stress—this episode is your reminder: you don’t have to overhaul everything overnight. You just need a starting point… and a simple system that actually works in real mom life. 💛 Want to ask a question or connect? DM me on Instagram or email me—I’m cheering you on. xoxo, Rachel Where to find me: Instagram: @heyrachelcoons Join me for my free training to cut your grocery bill by $600 every month: Register HERE

    30 min

  4. MAR 4

    99: Money Isn’t Ruining Your Marriage (Here’s What Is)

    Money isn’t ruining your marriage...but the way you’re approaching it might be. If conversations about finances with your spouse feel tense, frustrating, or like you’re speaking two different languages, you are not alone. Nearly 50% of divorces involve money issues, but it’s rarely about the numbers. In this episode, I share how Brad and I shifted from subtle tension and scarcity thinking to feeling truly aligned and at peace around money. And it didn’t happen because we made more income... it happened because we changed our mindset. You’ll learn:  • Why you and your spouse see money differently  • How to get curious instead of defensive  • 3 practical steps to get on the same page  • How to build a money plan together, without power struggles If you’re ready to stop letting money create distance in your marriage and start feeling like a team again, this episode is for you. xoxo, Rachel Where to find me: Instagram: @heyrachelcoons Join me for my free training to cut your grocery bill by $600 every month: Register HERE

    17 min

  5. FEB 23

    98: How I Feed a Family of 6 for $700 a Month (Without Coupons, Deprivation, or 5 Stores)

    I’m about to say something that might sound crazy… I only spend $300–$350 every two weeks on groceries for my family of six. That’s about $700 a month — in Northern California. And no — we are not living on rice and beans.  No — I’m not clipping coupons for 10 hours a week.  No — I’m not driving to five different stores chasing sales. In fact, we’re eating better than we were when we were spending $400+ a week. If you’re a busy mom who: Feels completely out of control with grocery spendingEnds up back at the store three times a weekSwipes your card and feels your stomach drop at checkoutWonders how you make decent money but still have nothing leftThis episode is for you. Because here’s the truth:  If you can get your grocery budget under control, everything else with your money gets easier. We’re talking about freeing up $600–$800 per month that could go toward: Paying off debtBuilding an emergency fundTaking your family on vacationFinally stopping the paycheck-to-paycheck cycleIn this episode, I walk you through: Why most grocery savings strategies failThe biggest mistake families make at the storeHow food waste is secretly draining 30% of your budgetThe simple system I use (The Shop Method) to cut grocery spending in halfWhy two-week shopping saves both time and moneyHow to stop those midweek “oh crap” grocery runsYou don’t need extreme couponing.  You don’t need deprivation.  You don’t need more overwhelm. You need a simple, repeatable system. And I’m breaking it down for you today. If you’re ready to finally feel in control of your grocery spending — and use that money to change your financial future — hit play. 🎧 Join my free class to learn EXACTLY how I use the SHOP Method to save over $600 a month on groceries: CLICK HERE xoxo, Rachel Where to find me: Instagram: @heyrachelcoons Join me for my free training to cut your grocery bill by $600 every month: Register HERE

    17 min

  6. FEB 16

    97: How Much Should You Spend on Groceries? (And How to Cut $800 a Month)

    If you’ve ever Googled “How much should I spend on groceries?” and felt more confused than before… this episode is for you. There are a million answers out there, $100 per person, $200 per person, “it depends where you live”... but what you really want to know is: 👉 Am I spending too much? 👉 And if I am… how do I fix it without feeding my family rice and beans every night? In today’s episode, I’m breaking down: The average grocery spending in the U.S. (and Canada)The real number you should aim for per personThe 3 biggest reasons families overspendHow to figure out if you’re overspendingSimple shifts that can cut hundreds (even $800+) per monthMost families don’t realize how much money is quietly leaking out of their grocery budget. And the truth? Groceries are often the fastest and easiest place to free up cash, especially if you're trying to pay off debt or create margin in your budget. I’ll walk you through how to:  ✔ Track your real spending  ✔ Set a realistic per-person goal  ✔ Meal plan without overwhelm ✔ Stop wasting 30% of your food ✔ Reduce impulse grocery trips And if you want the full step-by-step system, you can join my free class where I teach my signature SHOP Method from start to finish. CLICK HERE TO JOIN Because saving money on groceries doesn’t have to mean deprivation. It just means intention. Let’s get into it. xoxo, Rachel Where to find me: Instagram: @heyrachelcoons Join me for my free training to cut your grocery bill by $600 every month: Register HERE

    14 min

  7. FEB 9

    96: The #1 Money Habit That Changed Everything for Our Family

    There’s one money habit that completely changed everything for my family... and it’s probably not what you think. It wasn’t budgeting.  It wasn’t meal planning.  It wasn’t cutting out coffee or canceling subscriptions. Those things can help… but they weren’t the thing that actually moved the needle. In this episode of the Money Mom Podcast, I’m sharing the one simple question my husband and I started asking before every single purchase, and how that tiny pause transformed the way we spend, save, and make decisions as a family. You’ll learn: The exact question that stopped our autopilot spendingWhy most money problems aren’t about income—but misalignmentHow this habit saves hundreds of dollars without feeling restrictiveWhy clarity around your goals changes everythingHow to spend money without guilt when it actually aligns with what matters to youIf you’ve ever wondered why you know your goals but still feel stuck… or why progress feels so hard even when you’re “doing all the right things,” this episode will connect the dots. This is a small shift—but it has massive long-term impact. Press play and let’s change the way you think about spending. 💛 xoxo, Rachel Where to find me: Instagram: @heyrachelcoons Join me for my free training to cut your grocery bill by $600 every month: Register HERE

    12 min

  8. FEB 2

    95: Why You Keep Self-Sabotaging Your Money (And How to Stop)

    Have you ever made real progress with your money... only to turn around and undo it? You finally get groceries under control… then spend $300 at Target. You pay off a credit card… and rack it right back up. You save money… and suddenly it’s gone. It feels like bad luck or bad timing, but it’s not. It’s self-sabotage. In this episode of the Money Mom Podcast, Rachel breaks down what’s actually happening in your brain when you sabotage your financial progress, why it keeps happening (even when you’re doing “everything right”), and how your subconscious beliefs around money are quietly running the show. You’ll learn: What financial self-sabotage really is (and what it isn’t)Why progress with money can feel unsafe to your brainHow childhood experiences and learned beliefs impact your spending todayReal-life examples of self-sabotage with groceries, savings, debt, and incomeThe 5 steps to start rewriting your subconscious money patternsHow to stop the cycle without shame, guilt, or perfectionismIf you’ve ever thought “Why do I keep doing this?” or “What’s wrong with me?” — this episode will change the way you see yourself and your money. You’re not bad with money. You’re not broken. You just have old programming—and now you can change it. 🎧 Tune in and let’s break the cycle together. xoxo, Rachel Where to find me: Instagram: @heyrachelcoons Join me for my free training to cut your grocery bill by $600 every month: Register HERE

    17 min
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Trailer

5
out of 5
27 Ratings

About

Welcome to The Money Mom Podcast—the ultimate guide for moms who want to take control of their finances, crush debt, and create a life of financial freedom and abundance. Hosted by Rachel Coons, a budgeting expert and mom of three, this podcast is your go-to resource for practical tips, mindset shifts, and empowering strategies to help you manage your money with confidence. Whether you’re navigating grocery budgets, tackling debt, or dreaming of building wealth for your family, each episode offers bite-sized, actionable advice to make money management simple, stress-free, and even enjoyable. With relatable stories, expert insights, and a dose of mom-to-mom encouragement, you'll learn how to transform your finances—one small step at a time. Tune in every week to discover how to save more, spend smarter, and feel empowered to create the financial life you deserve. Because when moms thrive financially, families flourish.

Information

  • Creator
    Rachel Coons
  • Years Active
    2024 - 2026
  • Episodes
    104
  • Rating
    Clean
  • Copyright
    © 2026 The Money Mom Podcast
  • Show Website
    The Money Mom Podcast

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