The Money Mom Podcast

Rachel Coons
  • 5.0 (27)
  • EDUCATION
  • UPDATED WEEKLY

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. 5D AGO

    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

  2. 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

  3. 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

  4. 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

  5. JAN 26

    94: The Health Insurance Episode: All Your Options + How to Save Thousands

    Tired of paying sky-high premiums for health insurance? In this episode, Rachel Coons breaks down all your health coverage options... from traditional insurance and marketplace subsidies to cost-sharing plans that could save you thousands every year. As a former licensed health insurance agent, Rachel shares insider knowledge about the four main ways to handle health coverage in America. She explains why health insurance became so expensive, what most people don't know about their options, and how her family saves over $15,000 annually using an alternative to traditional insurance. What You'll Learn: Why health insurance costs are so high (and why you might be overpaying)The pros and cons of employer coverage, marketplace plans, and going without insuranceHow cost-sharing plans work and whether they're right for your familyReal-world example: How Rachel's family handled a $17,000 emergency room billWho should (and shouldn't) consider alternatives to traditional insuranceWhether you're a small business owner, self-employed, or just frustrated with your current premiums, this episode will help you make an informed decision that works for your family's health needs and budget. Christian Health Ministries (cost-sharing plan with 50% off first month available) Click here to learn more about the cost sharing plan Rachel recommneds 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

    23 min

  6. JAN 19

    93: Impulse Buying Isn’t the Problem (This Is)

    In this episode of The Money Mom Podcast, we’re breaking down one of the most misunderstood money behaviors: impulse spending. If you’ve ever told yourself you just need “more discipline,” this conversation is going to change everything. Instead of shaming habits like Target runs, late-night TikTok shopping, or drive-through treats, we’re getting to the real root of why impulse purchases happen in the first place. Spoiler: it has nothing to do with budgeting better... and everything to do with unmet emotional needs. You’ll learn why traditional financial advice gets this wrong, how impulse spending actually works in your brain, and what to do instead, without guilt, restriction, or deprivation. In this episode, we cover: Why “just stop impulse buying” is terrible financial adviceThe emotional reason impulse spending feels so good (and why it never lasts)The 7 emotional needs that most impulse purchases are really trying to meetHow stress, boredom, deprivation, identity, control, and connection show up in your spendingWhy awareness, not restriction, is the first step to lasting changeHow to start budgeting for your emotional needs instead of fighting themIf you’ve ever felt confused, ashamed, or frustrated by your spending habits, this episode will help you feel seen, and give you a completely new lens for understanding your relationship with money. Because your impulse buys aren’t random.  And once you understand what’s underneath them, everything changes. 🎧 Listen in, and if this episode resonates, don’t forget to leave a review, it helps us keep creating deeper, more meaningful conversations about money. 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

    21 min

  7. JAN 12

    92: How to Set Money Goals That Actually Stick (and Lead to Real Success in 2026)

    Have you ever started the new year determined to “finally get your money together”… only to feel burned out, discouraged, or back in the same place a few months later? In this episode of The Money Mom Podcast, Rachel breaks down why most financial goals don’t stick, and it has nothing to do with discipline, motivation, or willpower. Most money goals are created from panic, shame, or urgency. And while that energy can spark change for a moment, it never lasts, especially for busy moms carrying the mental, emotional, and physical load of family life. In this episode, you’ll learn: Why motivation-based and willpower-only goals collapse when real life happensHow to stop setting “panic goals” that create pressure instead of progressWhy money is emotional, and why your goals must account for your nervous systemThe difference between outcome-based goals and identity-based goalsHow focusing on who you’re becoming leads to lasting financial changeWhy doing less, not more, is often the key to momentumHow to create money goals that feel calm, safe, and doable... even in hard seasonsRachel also shares personal stories from early motherhood, explains why “trying harder” isn’t the answer, and walks you through a gentler, smarter approach to goal setting that works with your life, not against it. If you’ve struggled to stick with financial goals in the past, this episode is your reminder:  You’re not broken. You don’t need more discipline. You need better systems and a supportive identity. ✨ And if you’re ready to build money goals that actually stick, Rachel shares how you can join Money Mom Club, where moms learn to create sustainable systems, calm their money stress, and feel confident with their finances — without pressure or shame. You can join for 50% off this week only: www.heyrachelcoons.com/moneymomclubmoney 🎧 Press play and start 2026 with a calmer, more intentional relationship with money. 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

    16 min

  8. JAN 5

    91: Why Budgeting Alone Keeps Moms Stuck in Money Stress

    Have you ever downloaded a new budgeting app, opened a fresh spreadsheet, and promised yourself this time will be different... only to fall right back into the same money stress a few weeks later? You’re not broken. And you don’t have a willpower problem. In this episode of The Money Mom Podcast, I’m breaking down why budgeting alone doesn’t actually lead to financial peace, confidence, or debt freedom, and what’s really going on beneath the surface when money systems don’t stick. We’ll talk about why numbers don’t change habits, how your emotions and subconscious beliefs drive spending, and why so many moms stay stuck in the same cycle even when they “know what to do.” You’ll also learn about the four money personalities I see most often in moms: The Avoider who doesn’t want to look at the numbersThe Emotional Spender who shops to cope with stressThe Scarcity Saver who budgets well but never feels at peaceAnd the Confident Money Mom — the version of you who feels calm, grounded, and in control of her money (without obsession or restriction)This episode isn’t about shame, restriction, or another spreadsheet.  It’s about understanding why you show up the way you do with money — so you can finally change it. If you’ve ever felt: Overwhelmed by budgetingStressed about debtGuilty for spendingAfraid to check your bank accountOr tired of money running your emotions, marriage, or mental space…this episode will meet you exactly where you are. ✨ And if you’re ready to do the deeper work — combining practical money skills and mindset — I’ll also share how you can join us inside Money Mom Club, a supportive community of women learning how to save, spend, invest, and feel confident with money. 🎧 Press play and let’s stop budgeting around the problem — and finally address the root. 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

    28 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
    100
  • Rating
    Clean
  • Copyright
    © 2026 The Money Mom Podcast
  • Show Website
    The Money Mom Podcast

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