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. 5D AGO

    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 'Money RESET 2026' training!: REGISTER HERE

    17 min

  2. 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 'Money RESET 2026' training!: REGISTER HERE

    23 min

  3. 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 'Money RESET 2026' training!: REGISTER HERE

    21 min

  4. 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 'Money RESET 2026' training!: REGISTER HERE

    16 min

  5. 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 'Money RESET 2026' training!: REGISTER HERE

    28 min

  6. 12/30/2025

    90: 5 Money Habits to Leave Behind in 2026

    In this episode, we’re unpacking why money avoidance is so common (and why it’s not a personal failure), how your nervous system plays a role in financial stress, and how awareness, not perfection, is the first step to taking your power back. You’ll hear why: Avoiding your bank account is actually making the problem worseYour brain is trying to protect you, but it’s often lying to you about dangerSimply looking at the numbers (without judgment) can start breaking the negative money cycleGrocery spending is the fastest, least overwhelming place to create real financial momentumMore money won’t fix money problems without a system in placeAll-or-nothing thinking is one of the biggest budget killers for busy momsWe also talk about why restriction, no-spend challenges, and perfectionism don’t work long-term, and what does work instead: flexible systems, realistic habits, and progress you can actually sustain in real life. If you’re heading into 2026 feeling overwhelmed, behind, or stuck in a cycle of stress with money, this episode will help you slow things down, reconnect with your body, and start moving forward—one grounded step at a time. ✨ Plus: I’m sharing details about my upcoming free Money Reset for 2026 workshop, where we’ll break down the 5 pillars busy moms need to stop overspending, get out of debt, and finally feel in control. Without shame or spreadsheets. 👉 Links to the free workshop and my grocery savings classes are here: www.heyrachelcoons.com/class You are not starting over.  You’re leveling up. And you’re more capable than you think. 💛 xoxo, Rachel Where to find me: Instagram: @heyrachelcoons Join me for my 'Money RESET 2026' training!: REGISTER HERE

    24 min

  7. 12/22/2025

    89: From Scarcity to Abundance: Redefining Money Mindset for Moms

    In this special episode, Rachel Coons shares her transformative journey from financial overwhelm to abundance, as she’s interviewed by Monica Packer at the More for Moms Conference.  Rachel opens up about the emotional side of money, the unique challenges moms face, and how shifting your mindset can bring peace—even when life feels chaotic. Discover practical tips for saving on groceries, building a healthier relationship with money, and embracing generosity and gratitude. Whether you’re struggling to make ends meet or simply want to feel more empowered with your finances, this conversation offers hope, actionable advice, and a reminder that you’re not alone. xoxo, Rachel Where to find me: Instagram: @heyrachelcoons Join me for my 'Money RESET 2026' training!: REGISTER HERE

    31 min

  8. 12/15/2025

    88: How to Pay Off Debt When You’re Already Stretched Thin

    Are you living paycheck to paycheck and wondering how you’ll ever pay off your debt when there’s nothing left at the end of the month? In this episode of The Money Mom Podcast, host Rachel Coons—mom of four and grocery budgeting mentor—shares practical, encouraging strategies to help you make real progress on your debt, even when your budget feels impossibly tight. Discover why traditional budgeting advice often falls short, how to shift your money mindset, and the power of small “margin moments” that add up over time.  Rachel breaks down actionable steps like finding hidden savings in your grocery budget, choosing the right debt payoff method for your family, and balancing debt repayment with living your life. If you’re ready to stop feeling stuck and start celebrating every win, no matter how small, this episode is for you. Tune in and learn how to create financial peace, one small choice at a time. Listen now and join a community of moms cheering you on! xoxo, Rachel Where to find me: Instagram: @heyrachelcoons Join me for my 'Money RESET 2026' training!: REGISTER HERE

    15 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
    97
  • Rating
    Clean
  • Copyright
    © 2026 Money Mom Podcast
  • Show Website
    Money Mom Podcast

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