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. 2d ago

    110: Why Budgeting Keeps Failing You (And the Simple System That Actually Works)

    You've tried the apps. You've started the spreadsheet. You tracked your spending for a week (maybe two) and then life happened. Sound familiar? Here's what I want you to know: this is not a you problem. You don't have a discipline problem or a willpower problem. You have a systems problem. And in this video, I'm going to show you exactly why traditional budgeting fails smart, capable women... and what to do instead. In this video you'll learn: Why traditional budgeting was never designed for your real life Why restriction-based budgets are nearly impossible to stick to The 3-bucket system that replaces overwhelming budget categories How to know exactly what you can spend without tracking every dollar The simple weekly check-in that keeps you in control without burning out If you've been stuck in the cycle of trying, stopping, and starting over again — this video is for you. 🎓 Save $400–$600/month on groceries → www.heyrachelcoons.com/class 💛 Ready to build a system for your real life? →www.heyrachelcoons.com/moneyreset2 📲 Follow me: Instagram: www.instagram.com/heyrachelcoons Facebook: www.facebook.com/heyrachelcoons Podcast: The Money Mom Podcast → https://podcasts.apple.com/us/podcast/the-money-mom-podcast/id1737544930 YouTube: youtube.com/channel/UCq9FW_MXIT0OO9ZUqT5AfHw/ #budgeting #moneytips #budgetingforwomen #personalfinance #moneymom #financialfreedom #budgetingmoms #moneysystem #savemoney #financetips xoxo, Rachel Where to find me: Instagram: @heyrachelcoons Join me for my free training to learn the 5-step RESET Framework: Register HERE

    17 min

  2. May 19

    109: Why Your Grocery Bill Is So High (And Exactly How to Fix It)

    How I Feed a Family of 6 for $350–$400 Every Two Weeks (The SHOP Method) If you're spending $300, $400, or even $500+ a week on groceries and wondering where all your money is going...this episode is for you. I'm sharing the exact system I use to consistently spend $350–$400 every TWO WEEKS for my family of six in Northern California, without coupons, without depriving my family, and without spending hours planning. It's called the SHOP Method, and in this video I walk you through every step: ✅ Shop your shelf FIRST before you spend another dollar  ✅ Build a simple meal plan (just 3–4 meals — that's it)  ✅ Order groceries online to eliminate impulse spending  ✅ Space out your grocery trips to save more money automatically If you're stuck in the paycheck-to-paycheck cycle and grocery spending feels out of control, this is the fastest way to free up real money in your budget... this month, not someday. 🎓 Want the full SHOP Method deep dive? Grab my free training here → [LINK] — ⏱ TIMESTAMPS  0:00 – What I spend feeding a family of 6  1:30 – The Monday morning grocery store trap  4:00 – Why nothing seems to change (it's not your fault)  6:00 – What actually works: the SHOP Method  7:00 – Step 1: Shop your shelf  9:30 – Step 2: Have a plan  11:00 – Step 3: Order online  13:30 – How to start this week — xoxo, Rachel Where to find me: Instagram: @heyrachelcoons Join me for my free training to learn the 5-step RESET Framework: Register HERE

    15 min

  3. May 12

    108: The Real Reason You're Still Stressed About Money (It's Not What You Think)

    You've tried the budgets. You've downloaded the apps. You've tracked the spending. And you're still stressed. Here's what nobody is telling you: the problem isn't the numbers. It's what's happening underneath them: the thoughts, the energy, the emotions you bring to every money decision you make. In this video, I'm breaking down exactly why that is, and what actually needs to shift first before anything else can change. You'll learn: Why your mindset is driving your financial decisions (usually without you realizing it)The real reason avoidance is making your money situation worse3 simple things you can do this week to start shifting your energy around moneyThis isn't about doing more or being more disciplined. It's about thinking differently and letting the numbers follow. 👉 Watch my free training — Why Budgets Don't Work for Your Money and What Does: [LINK] xoxo, Rachel Where to find me: Instagram: @heyrachelcoons Join me for my free training to learn the 5-step RESET Framework: Register HERE

    16 min

  4. May 5

    107: The Student Loan Strategy Nobody Wants to Talk About

    We have $350,000 in student loans...and we're not paying them off early.  When I posted about this on Instagram, the comments were a lot.  So I decided to break down exactly what our strategy is, why we made this decision, and the math behind it. This isn't about getting a handout. It's about being intentional with debt instead of reactive. In this video I cover: Why we chose an income-driven repayment plan over aggressive payoffHow the 20-year forgiveness program actually worksThe tax bill that comes with forgiveness (and how we're saving for it)Why compounding investments beat a 6% linear return on debt payoffWhat this means for YOU — whether you have student loans or any other kind of debtxoxo, Rachel Where to find me: Instagram: @heyrachelcoons Join me for my free training to learn the 5-step RESET Framework: Register HERE

    14 min

  5. Apr 28

    106: 5 Ways to Create a New Money Future

    Most moms think creating a better financial future means budgeting harder or making more money… but what if that’s not actually the problem? In this episode, I’m walking you through the exact 5-step process that completely changed my relationship with money, and has helped thousands of moms move from stress and anxiety to feeling safe, confident, and in control. After years of living paycheck to paycheck (even once we were making six figures), I realized the real issue wasn’t the numbers… it was my identity, my beliefs, and my relationship with money. Inside this episode, you’ll learn how to: Let go of the past money stories that are keeping you stuckGet crystal clear on what your future with money actually looks and feels likeSet powerful intentions that align with who you want to becomeIdentify and rewire the subconscious beliefs sabotaging your progressTake aligned action that finally creates lasting changeThis isn’t about more discipline or willpower. It’s about becoming the version of you who naturally creates a peaceful, confident financial life. If you’ve ever felt like no matter how much you make, you still feel stressed about money… this episode is for you. 🎧 Ready to go deeper? I also share how you can join my free training where I walk you through my full reset framework and help you start rewiring your money beliefs right now. CLICK HERE for my FREE training xoxo, Rachel Where to find me: Instagram: @heyrachelcoons Join me for my free training to learn the 5-step RESET Framework: Register HERE

    13 min

  6. Apr 14

    105: You Make Good Money… So Why Are You Still Stressed?

    You’d think making six figures would finally make you feel secure with money… but what if it doesn’t? In this episode, I’m breaking down why more income isn’t actually the solution to feeling stressed, anxious, or “bad” with money... and why so many women are still struggling, even at higher income levels. I’m sharing the “leaky bucket” analogy to help you see exactly where your money is slipping away (and why it keeps happening on autopilot). We’ll talk about the real reasons behind overspending, lifestyle creep, and emotional spending, and how your nervous system, beliefs, and identity are quietly running the show behind the scenes. Because the truth is: no amount of money will fix a broken relationship with it. If you’ve ever wondered why your numbers look fine… but it still doesn’t feel good, this episode will connect the dots and show you where to start. ✨ Inside this episode:  Why more money doesn’t equal more security  The 5 “holes” draining your finances (without you realizing it)  How your nervous system and identity shape your money habits  What actually needs to shift to feel calm, confident, and in control This is deeper than budgeting. This is about finally feeling safe with your money. xoxo, Rachel Where to find me: Instagram: @heyrachelcoons Join me for my free training to learn the 5-step RESET Framework: Register HERE

    9 min

  7. Apr 7

    104: My GLP-1 Update: What No One Talks About

    Today’s episode is a personal update you’ve been asking for. A few months ago, I shared my experience starting a GLP-1—and since then, my DMs have been full of questions about what’s changed, what I’m still doing, and how I’m feeling now. In this episode, I’m giving you an honest, real-life update on my peptide journey, where I’m at today, why I chose to continue, and the biggest differences I’ve experienced over time. We talk about: Why I’m still microdosing tirzepatideThe unexpected benefits beyond weight lossThe additional peptides I’ve added (and why)What I’ve learned about energy, sleep, and muscle growthCommon side effects (like hair loss) and what might actually be causing themWhy this isn’t a “magic fix” and what still matters mostThis is not medical advice... just my personal experience and what’s been working for me. If you’ve been curious about GLP-1s, peptides, or just wanted a real update from my journey, this episode is for you. And if you still have questions, send me a message on Instagram. I’m always happy to share what I can. Check out my full GLP-1 story here: Episode 72 xoxo, Rachel Where to find me: Instagram: @heyrachelcoons Join me for my free training to learn the 5-step RESET Framework: Register HERE

    11 min

  8. Mar 31

    103: Your Subconscious Is Controlling Your Money… Here’s How W/Megan Blacksmith

    If you’ve ever felt like you’re making money… but it just disappears, this episode is going to click. In this conversation with NLP trainer Megan, we break down:  Why money comes in and goes right back out  The subconscious patterns running your financial decisions  How your beliefs about money were formed (and how to shift them)  A powerful “money = water” metaphor that will completely change how you think about budgeting This episode will help you stop blaming yourself and start understanding what’s actually going on beneath the surface. Because when you create safety with money… everything starts to change. If you loved this episode, register for my free masterclass happening soon: www.heyrachelcoons.com/moneyreset Catch Megan's "Metaphor to Millions" training HERE xoxo, Rachel Where to find me: Instagram: @heyrachelcoons Join me for my free training to learn the 5-step RESET Framework: Register HERE

    37 min
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Trailer

5
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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
    112
  • Rating
    Clean
  • Copyright
    © 2026 The Money Mom Podcast
  • Show Website
    The Money Mom Podcast

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