Personal Finance With Molly

Molly Ford-Coates

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INVESTING

Where personal finance, behavior, and mindset intersect!

DEC 18

Waiting For the Right Time is Wasting Time

Waiting for the “perfect moment” to start saving, investing, or budgeting is a trap that silently steals time, growth, and confidence. In this episode, we explore why ideal timing rarely exists, how procrastination disguised as preparation can cost you financially, and practical strategies to take immediate, consistent action. You’ll learn how small, imperfect steps taken today compound into wealth, security, and peace of mind, and why momentum beats perfection every time. What You’ll Learn: Why the “right time” is an illusion in personal financeHow waiting delays compounding, habit-building, and financial freedomPractical steps to take immediate action, even in small amountsHow to shift your mindset from waiting to doingKey Quote: “The best time to start isn’t tomorrow, next month, or ‘when everything aligns.’ It’s today. Waiting is wasting time.” Episode Challenge: Identify one financial action you’ve been postponing. Take one small step this week to start — open an account, set up automatic payments, or contribute even a small amount. Momentum compounds. Waiting does not.

10 min
DEC 15

Excuses Don't Pay Bills

Excuses feel safe, but they don’t pay bills. In this episode, we explore why excuses hold us back financially, how they distort spending and saving decisions, and how consistent action — even small steps — builds real financial freedom. You’ll learn practical strategies to move past fear, hesitation, and procrastination, and replace excuses with habits that compound into wealth, confidence, and peace of mind. What You’ll Learn: Why excuses are comfort traps that stall growthThe behavioral and psychological reasons we cling to excusesPractical steps to take consistent action on bills, savings, and investmentsHow to turn excuses into signals for growthKey Quote: “Excuses don’t pay bills — action does. Every small step counts toward freedom.” Episode Challenge: Identify one financial excuse you’ve been making. Take one small, intentional action this week to move past it. Track your progress and celebrate the win.

13 min
DEC 11

Comparison Kills Joy

Comparison silently sabotages your financial journey. In this episode, we explore why comparing your money, spending, and financial milestones to others kills joy and clouds judgment — and how shifting your focus to your own path can restore peace and clarity. You’ll learn how to identify comparison triggers, align your choices with your values, and celebrate progress on your own terms — building habits that compound into confidence and financial security. What You’ll Learn: Why comparison is natural but harmful to financial growthHow it distorts spending, saving, and investing decisionsPractical strategies to break the comparison habitThe long-term benefits of focusing on alignment instead of benchmarksA simple reflection exercise to start reclaiming joy in your financesKey Quote: “Comparison steals joy. Alignment builds it. Focus on your journey, not someone else’s highlight reel.” Episode Challenge: Identify one area where you’ve been comparing yourself financially. Define your own goal and take one aligned action this week, ignoring external pressures.

11 min
DEC 8

Setbacks are Teachers, Not Punishments

Setbacks aren’t failures — they’re lessons. In this episode, we explore how missed goals, unexpected expenses, and market dips can be your most valuable teachers. You’ll learn how to shift your mindset from shame to curiosity, how to turn financial missteps into actionable insights, and how to build resilience that compounds alongside your money. What You’ll Learn: Why setbacks are inevitable — and invaluableHow behavioral traps make setbacks feel like punishmentReal stories of financial challenges that became breakthroughsA practical five-step process to learn from setbacksHow to reframe challenges as opportunities for growthKey Quote: “Setbacks are data, not drama. Every challenge carries a lesson — and every lesson compounds over time.” Episode Challenge: Write down one recent financial setback. Identify what you learned, and take one small action to improve your system this week.

14 min
DEC 4

The Best Investment is in Yourself

Your greatest appreciating asset isn’t your 401(k), your real estate, or your portfolio — it’s you. In this episode, we explore what it really means to “invest in yourself” — not as a cliché, but as a core principle of financial growth. You’ll learn why personal development compounds like interest, how to identify which investments in yourself bring real returns, and how to build your own “personal investment plan” that strengthens your skills, health, and mindset. Because no matter what’s happening in the economy or the market, there’s one investment that always pays dividends — the one you make in your own growth. What You’ll Learn: Why you are the first and most important asset on your balance sheetThe difference between education and consumptionHow health and energy impact financial decisionsHow to design a yearly “personal investment plan”The compounding effect of small, daily growthKey Quote: “You can’t buy confidence, consistency, or clarity — but you can build them. And that’s the best investment you’ll ever make.” Episode Challenge: Pick one way to invest in yourself this week — learn, rest, connect, or take a risk that builds your future capacity.

14 min
DEC 1

Small Steps Compound Into Big Wins!

Big wins don’t come from massive leaps — they come from tiny, consistent steps that add up over time. In this episode, we explore the quiet power of compounding — not just in your money, but in your mindset. You’ll learn why small steps stick when big goals don’t, how to use the “Start Small, Stay Steady, Stack Wins” method to build financial momentum, and how to shift from feeling behind to building belief in your ability to grow. This isn’t about perfection or overnight success. It’s about showing up, making small moves, and trusting that over time, those small steps will lead to big wins. What You’ll Learn: Why waiting for perfect kills financial progressThe difference between compounding money and compounding habitsHow small, consistent actions reshape identity and build self-trustReal stories of everyday people turning small starts into life-changing resultsHow to design your own “small step system” for savings, debt, and investingThe 1% Better Challenge — a simple way to start todayKey Quote: “You don’t leap into financial freedom — you compound your way there, one small step at a time.” Episode Challenge: Pick one small step — save $10, pay $20 extra on debt, or reduce one unnecessary expense — and commit to doing it every week for a month. Track your progress and celebrate the consistency, not the number.

14 min
NOV 24

Consistency Turns Average Into Unstoppable

Today we’re diving into one of my favorite truths about both life and money: 👉 Consistency turns average into unstoppable. Now, I know that might sound like one of those Instagram motivational quotes — but stick with me, because we’re going deeper than inspiration today. We’re going to break down why consistency is the secret ingredient behind every lasting financial success story — and how you can use it to build real wealth, no matter where you’re starting from.

11 min
NOV 20

Discipline Beats Motivation!

Today we’re talking about one of the hardest, most misunderstood truths in personal finance — and in life: Discipline beats motivation. Because let’s be honest — we all love the feeling of being motivated. Motivation feels exciting, inspiring, full of potential. But motivation fades. It’s an emotion — and emotions are fleeting. Discipline, on the other hand, is what carries you through when motivation runs out. And in the world of money, discipline is the quiet, unglamorous superpower that builds every kind of success — from paying off debt to saving consistently to building wealth over decades. Today, we’re going to explore why motivation can’t be your strategy, how discipline actually works in real life, and how to design financial systems that stay steady — even when you don’t feel like it.

15 min

Where personal finance, behavior, and mindset intersect!

Creator

Molly Ford-Coates
Years Active

2K
Episodes

29
Rating

Clean
Copyright

© 2025 Personal Finance With Molly
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Personal Finance With Molly