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. 4h ago

    126: Why You Keep Ending Up Back in Debt (It’s Not What You Think)

    You worked so hard. You found the extra money every month. You finally got that credit card balance down to zero. And then the car needed new tires. Or a medical bill showed up. And just like that, the balance is back. If that cycle feels familiar, this episode is for you. Inside my 12-week Inner Circle program, I get to work closely with women on their money, and there’s one pattern I see over and over again. Debt is the symptom. Overspending is usually what’s underneath it. We cover: The kind of debt I’m talking about (high-interest credit card debt) and why it feels so suffocatingWhy so many women pay off their debt and then slide right back into itMy $30 TikTok sweatsuit purchase and what it says about how easy spending has becomeThe leaky faucet analogy and why paying off debt is only mopping up the waterWhy more discipline and willpower won’t fix overspendingThe two ends of the stick: the overspender and the scarcity saver (that one is me)The emotions that drive most overspending: stress, overwhelm, anxiety, loneliness, and boredomThe 10-minute pause, a simple tool to help you spend with intentionMy free masterclass on the three hidden reasons women overspendYou don’t have to stop buying things you love. You just need a pause long enough to ask yourself what you really need. 🎧 Press play. Let’s fix the leaky faucet together. Register for the free masterclass here: https://www.heyrachelcoons.com/spend xoxo, Rachel --- FREE LIVE TRAINING! 3 Hidden Reasons You Overspend: Register HERE CONNECT WITH RACHEL Instagram | Facebook | YouTube | Website

  2. Oct 27

    125: 3 Ways to Make Change Easier (For You and Your Money)

    I’m recording this one with a stuffy nose. I just came off the gnarliest cold and flu after a week of cross-country travel, my first ever keynote speech, and hosting our annual Halloween party in my backyard. My body said no, and for once I listened. It turns out there’s a name for what happened to me. It’s called the transformation flu. In this episode, I’m sharing what I learned at a live event in Virginia Beach, the small decision this week that felt huge for me, and the three things I want you to focus on when you’re trying to change anything in your life, including your money. We cover: My first ever keynote speech and what the women in the room shared with me afterwardThe transformation flu and why your body can crash after a big breakthroughWhy I canceled the Cardio Combat class I’ve taught for 11 years, and why that small choice was a big deal for meWhy letting go of the old version of you is often the hardest part of changeTip #1: Start small, plus two tiny money habits that create a ripple effectTip #2: Protect your self-care while you’re changing, and simple ways to fill your cup that don’t cost a thingTip #3: Build an environment that supports your change by finding the right communities for different parts of your lifeHow the people you spend the most time with shape who you become, and how getting in the right rooms has shaped my businessChange can be small. It can be gentle. And it gets so much easier when you have the right people beside you. 🎧 Press play. Let’s make change a little easier together. Timestamps 00:00 Introduction and Recovering From Being Sick 01:15 Traveling to a Live Event in Virginia Beach 02:00 My First Keynote and the Halloween Party Crash 03:00 What Is the Transformation Flu 04:15 Saying No to My Cardio Combat Class 06:00 How I Landed My First Keynote Speech 09:00 Why Change Feels So Uncomfortable 10:30 You Have to Let Go Before You Can Let In 11:30 3 Ways to Make Change Easier 13:00 Tip #1: Start Small 14:00 Tiny Money Habits That Create a Ripple Effect 15:30 Tip #2: Protect Your Self-Care 18:15 What Self-Care Looks Like for Me 20:30 Tip #3: Create an Environment That Supports Change 22:15 Different Communities for Different Needs 24:00 You Are the Sum of the 5 People You Spend the Most Time With 26:00 Recap and Final Thoughts xoxo, Rachel --- FREE LIVE TRAINING! 3 Hidden Reasons You Overspend: Register HERE CONNECT WITH RACHEL Instagram | Facebook | YouTube | Website

  3. Oct 20

    124: You Don’t Know How Blurry Your Money Vision Is (Until You Fix It)

    I have a story to tell you. It starts with LASIK surgery, a compromised cornea, and two years of thinking my vision was fine. And it ends with what I think is one of the most powerful analogies I’ve ever used to describe what a strained relationship with money actually looks like. Plus I have a quick update on the ads account situation from last month, because you deserve to know what happened. We cover: The full update on what happened with my Meta ads account and the wave of emotions that came with itThe LASIK story and what happened two years after surgery that I never saw comingWhy most women have no idea how strained their relationship with money actually is because it becomes their new normalThe financial symptoms and the emotional symptoms of a money relationship that needs healingWhy money is one of the most powerful triggers and glimmers in our lives and what that tells us about the power we’re giving itThe first step toward healing that relationship and why awareness alone is more powerful than any budget or appThis episode is the start of a series. Over the next few weeks I am walking you through what it actually looks like to heal your relationship with money from the inside out. Start here. Notice what comes up. And send me a DM when it does. 🎧 Press play. Let’s get your money vision to 20/20. xoxo, Rachel --- FREE LIVE TRAINING! 3 Hidden Reasons You Overspend: Register HERE CONNECT WITH RACHEL Instagram | Facebook | YouTube | Website

  4. Oct 13

    123: Taking Back Your Personal Power With Brad Bizjack

    When my Meta ads account got shut down and 95% of my revenue disappeared overnight, I had a choice. Give my power away to the circumstance, or stay grounded in what I could actually control. Why was I able to stay grounded? The work I've done with today's guest. Brad Bizjack is a mindset coach who has helped thousands of people break through the hidden patterns keeping them stuck, and in this conversation, we get into some of the most powerful ideas I've heard around emotions, resistance, personal power, and why your circumstances are never actually the problem. We cover: Why giving your power away to a circumstance leaves you with nothing left to change itThe red versus blue exercise that completely reframes where your focus is goingThe RULER acronym for moving through heavy emotions without suppressing them or letting them take overThe three patterns of focus running in your subconscious 24/7 and the emotional recipe they createWhy whatever you avoid controls you, and what to do insteadThe feathers, bricks, and trucks framework for understanding why life keeps throwing the same lesson at youWhy we don't heal to handle the hard. We heal to handle the joy.This conversation hit me deeply, especially right now in the middle of everything I've been going through. I think it will do the same for you. Brad is also hosting a free 5-day experience called the Success Accelerator starting October 19th. You can register on this link: http://www.bradbizjack.com/a/2148328314/sQca629S xoxo, Rachel --- FREE LIVE TRAINING! 3 Hidden Reasons You Overspend: Register HERE CONNECT WITH RACHEL Instagram | Facebook | YouTube | Website

  5. Oct 6

    122: 6 Lessons I'm Learning While My Business Falls Apart

    Thank you for all the love, prayers, and offers to help after last week's episode. I honestly went back and forth for weeks about whether to share what I'm going through. But if my messy middle can help even one person feel less alone in theirs, it's worth it. Instead of waiting for the storm to pass, I've been doing the inner work: journaling, coaching, regulating my nervous system, and writing down everything I'm learning in this season. Today I'm sharing six of those lessons with you. We cover: Why scarcity is a state of mind even when your bank account says otherwiseWhere personal power actually comes from and how quickly it leaves when you focus on what you can't controlWhy receiving is harder than giving and what that has to do with your relationship with money and your own worthThe identity crisis that happens when your income disappears and what it reveals about self-worthWhy God, the universe, or whatever you believe in that's bigger than yourself is always playing on your teamWhy you never actually start from scratch, no matter how much it feels like you doI'm not sharing this from a place of having it all figured out. I'm sharing it because I'm in it, and I think you might see yourself in some of these lessons too. 🎧 Press play and let's figure this out together. xoxo, Rachel --- FREE LIVE TRAINING! 3 Hidden Reasons You Overspend: Register HERE CONNECT WITH RACHEL Instagram | Facebook | YouTube | Website

  6. Sep 29

    121: The Shamanic Death I'm Currently Living Through

    I tried to record a completely different episode four times this week. And every single time, nothing came out. So I stopped fighting it and let myself talk about what's actually happening right now. This one is raw. This is the messy middle. And I'm sharing it anyway. In this episode, I'm opening up about the shamanic death I'm currently going through, what it actually means, why I believe we all go through them, and what mine looks like right now in real time inside my business and my life. We cover: What a shamanic death actually is and why you've probably been through one without having a name for itHow the seasons of nature mirror the seasons of our own lives, including the winters we don't chooseThe shamanic death I went through in early 2024 and what it forced me to completely let go ofWhat happened on September 3rd that turned off 95% of my business revenue overnightWhy I'm questioning everything about the Money Mom Club and where my energy actually wants to goWhat it looks and feels like to sit in the unknown without forcing an answerWhy this is happening for me and not to me, and how I'm choosing to hold onto that even when it's hardI'm not sharing this because I have it figured out. I'm sharing it because I think you'll see yourself in it. Because we all have seasons where things have to fall away before something new can grow. And if you're in your own winter right now, this episode is for you. 🎧 Press play. Let's sit in this one together. One More Thing... I am so excited to share that I will be speaking at the More For Moms Conference, and my talk is all about your relationship with money. This is a free event, and if you want the all access pass, you can get $10 off with my code RACHELCOONS. Grab your spot here: https://www.aboutprogress.com/a/2148318954/zA79vEFy I would love to see you there! xoxo, Rachel --- FREE LIVE TRAINING! 3 Hidden Reasons You Overspend: Register HERE CONNECT WITH RACHEL Instagram | Facebook | YouTube | Website

  7. Sep 22

    120: How to Feel Confident With Money (Even When Everything Falls Apart)

    I'm going to be honest with you. This week has been one of the hardest weeks I've had in my business in a long time. Something completely out of my control happened, and it knocked me off my feet. And I'm still here. Still confident. Still showing up. In this episode, I'm sharing what happened, how I'm working through it, and the exact mindset shift that has kept me grounded even when everything feels uncertain. Plus we're diving into something that came up on my very first Inner Circle coaching call this week, because every single woman in that room said the same thing. They just want to feel confident with their money. So that's what we're talking about today. We cover: Why confidence is one of the trickiest goals to chase and what most people get wrong about itThe mismatch between what confidence looks like on the outside and what it actually feels like on the insideWhy your past money experiences are quietly projecting themselves onto your futureHow confidence is actually a choice you make before the results show upWhat it looks like to take aligned actions as the person you want to become, starting right nowWhy hard seasons are not evidence that you're failing, and what they're actually forThis episode starts with a breath, because honestly, we all needed one this week. If you've ever felt like confidence is something that happens after you get your money together, this episode is going to completely reframe that for you. 🎧 Press play and breathe this one in. One More Thing... I am so excited to share that I will be speaking at the More For Moms Conference, and my talk is all about your relationship with money. This is a free event, and if you want the all access pass, you can get $10 off with my code RACHELCOONS. Grab your spot here: https://www.aboutprogress.com/a/2148318954/zA79vEFy I would love to see you there! xoxo, Rachel --- FREE LIVE TRAINING! 3 Hidden Reasons You Overspend: Register HERE CONNECT WITH RACHEL Instagram | Facebook | YouTube | Website

  8. Sep 15

    119: Why Abundance Has Nothing to Do With Money (And How to Actually Get There)

    Abundance. Everyone wants it. But most of us have it completely backwards. We think abundance means having more money. So we chase the number, stress about the gap, and wonder why we still feel like there's never enough even when things are going okay. In this episode, I'm breaking down what abundance actually is, why scarcity and money are not the same thing, and the one simple shift that can start moving you out of scarcity thinking today. We cover: Why detaching abundance from money is the first real step toward an abundance mindsetWhere you can find genuine abundance in your life right now, even if your bank account doesn't reflect it yetWhy nature is one of the most powerful tools for shifting out of scarcityHow gratitude actually works as an abundance practice and why it has to feel real to workWhat came out of the Money Rewire Experience and why the women in that room said they felt hope for the first timeThe have, do, be model most people are living by and why it keeps them stuckPlus I'm sharing a product I genuinely love that has completely changed how present I am with my family after 3pm. Not sponsored, just obsessed. If you've been trying to think your way into abundance and it keeps not working, this episode is going to show you a completely different way in. 🎧 Press play and let's start there. One More Thing... I am so excited to share that I will be speaking at the More For Moms Conference, and my talk is all about your relationship with money. This is a free event, and if you want the all access pass, you can get $10 off with my code RACHELCOONS. Grab your spot here: https://www.aboutprogress.com/a/2148318954/zA79vEFy I would love to see you there! xoxo, Rachel --- FREE LIVE TRAINING! 3 Hidden Reasons You Overspend: Register HERE CONNECT WITH RACHEL Instagram | Facebook | YouTube | Website

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4.9
out of 5
28 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
    129
  • Rating
    Clean
  • Copyright
    © 2026 The Money Mom Podcast
  • Show Website
    The Money Mom Podcast

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