MONEY WITHOUT MATH

Karen Coyne, CFP®
  • 5.0 (14)
  • EDUCATION

We're exploring how money exists in our real, daily lives, not just as numbers on a chart. From managing our emotions to caring for an aging parent, join us for conversations that are practical, sometimes philosophical, and always fresh.  Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC. Investment advisory services offered through Raymond James Financial Services Advisors, Inc. Clarity Planning is not a registered broker/dealer and is independent of Raymond James Financial Services. Content represents the opinions of the speaker and not necessarily those of Raymond James. The rating is not intended to be an endorsement, or any way indicative of the advisors abilities to provide investment advice or management. This podcast is intended for informational purposes only. Important Disclosure Information: http://raymondjames.com/smicd.htm

  1. 1D AGO

    Building Money Skills in Kids with Mary Wilcox Smith

    Parenting around money is messy for almost everyone. Your kid blows through their allowance or your college student burns through the semester’s food budget–and without intention, you might find yourself responding in a way that’s more controlling than it is constructive. In this episode of Money Without Math, Karen Coyne is joined by parenting speaker, author, and coach Mary Wilcox Smith to explore how parents can build real financial skills in children at every age. They discuss why money problems are often skill gaps, not character flaws, and how validation, practice, and modeling are more effective than lectures.  Mary shares simple scripts, small-step strategies, and mindset shifts that help you hold boundaries, give your kids more appropriate control, and build their capacity with money over time. In this episode: The skills gap behind money struggles are not character flawsBuilding capacity instead of punishing mistakesSetting ceilings on spending, even when you have the meansCourse correcting with older teens and young adultsHow to stop bailing them out while still staying connected Connect with Karen: Clarity PlanningLinkedInYouTubeInstagram Connect with our guest:  Mary Wilcox Smith on LinkedInMary Wilcox Smith’s websiteMary Wilcox Smith’s The MicroStep Method for the Overwhelmed Parent

    37 min

  2. MAR 26

    Where You Live Shapes Your Future with Bradley Schurman

    You don’t make decisions about your later life in later life, you make them in midlife. And one of the biggest decisions? Where you choose to live. In this episode of Money Without Math, Karen Coyne is joined by demographic strategist Bradley Schurman to explore how declining birth rates, aging populations, climate risk, and technological disruption are reshaping the future of cities, and what that means for your financial life. They break down the idea that your zip code may be one of the most important drivers of long-term prosperity, and introduce a new way to evaluate where you live beyond just cost of living or tax rates. From the rise of remote work to the hidden risks in “affordable” cities, this conversation offers a more complete framework for thinking about where, and how, you want to live in the years ahead. Whether you're planning for retirement, considering a move, or simply rethinking your current situation, this episode will challenge how you define opportunity, stability, and home. In this episode: How your zip code may influence your long-term financial security and quality of lifeThe five dimensions of the Prosperity Index: population renewal, climate risk, social cohesion, governance, and AI preparednessHowWhy cities like Chattanooga, Tulsa, and Pittsburgh are taking innovative approaches to prepare for the futureHow remote work and demographic shifts are creating new possibilities for relocationKey questions to consider before buying a home or planning for retirement Connect with Karen: Clarity PlanningLinkedInYouTubeInstagram Connect with our guests:  Bradley Schurman on LinkedInPopulation Next PodcastGeography Of Prosperity

    33 min

  3. MAR 12

    Want to Move to Sardinia? What It Really Takes with Michele Collu

    Have you ever dreamed about relocating abroad? As many as 34% of Americans say they would move overseas if they could, and interest is only growing. Concerns about quality of life, cost of living, and a desire for a different pace are motivating more people to explore life beyond the U.S. In this episode of Money Without Math, Karen Coyne is joined by Michele Collu, co‑founder of Sardiamo, a relocation and real estate guidance service based in Sardinia, Italy. Learn what it really takes to move abroad — from visas and local bureaucracy to housing, culture, lifestyle fit, and the emotional and logistical realities of such a major life change. Whether you're considering retirement abroad, working remotely from another country, or simply curious about how people make this leap, Michele’s insights offer a practical look at the journey. In this episode: The main visa paths Americans use to move to ItalyWhy most buyers need to purchase property in cashHow vacation energy can distort relocation decisionsThe lifestyle questions to answer before choosing a town Connect with Karen: Clarity PlanningLinkedInYouTubeInstagramConnect with our guests:  Michele Collu on LinkedInSardiamo

    33 min

  4. FEB 26

    The Etiquette of Empathy: What to Say (and Not Say) in Times of Loss with Kathi Balasek

    In this heartfelt and deeply practical episode, Karen Coyne sits down with Kathi Balasek—educator, grief literacy advocate, and founder of Grief Ready Communications—to talk about how to support someone through loss. Drawing on her experience as a young widow raising five children, Kathi shares why our culture often gets grief wrong, how well‑meaning comments can unintentionally wound, and how to communicate with empathy when someone is hurting. Together, they unpack the idea of becoming “grief literate”: understanding the realities of grief, recognizing that loss extends far beyond death, and learning how to show up with real presence instead of reflexive optimism. With loss, major financial decisions often follow. This episode is also an invitation to have the hard conversations now, long before a crisis.  In this episode: What it truly means to be grief literate and why it changes relationshipsThe phrases we default to that unintentionally disconnect peopleHow loss and money collide in widowhood, divorce, caregiving, and career changeWhy financial conversations belong at the dinner table long before a crisisConnect with Karen: Clarity PlanningLinkedInYouTubeInstagramConnect with our guests:  Kathi Balasek on LinkedInKathibalasek.com

    39 min

  5. FEB 12

    The Missing Piece to Living to 100 (It’s Not What You Think) with Ken Stern

    In this thought-provoking conversation, Karen Coyne sits down with Ken Stern, author of Healthy to 100, founder of the Longevity Project, and former CEO of NPR, to explore the critical but often overlooked role of social health in living longer, healthier lives. Drawing from global research and firsthand reporting from places like Japan, Singapore, and Italy, Ken reveals why countries with the highest life expectancies are intentional about fostering intergenerational relationships, purpose-filled work, and community connection, especially in the second half of life.  Ken shares surprising longevity insights from around the globe, including why a poor Texas county outperforms wealthier regions in life expectancy, how Japan redesigned work for older adults, and why loneliness poses health risks equivalent to smoking 15 cigarettes a day. Together, Karen and Ken examine cultural norms, policies, and personal choices that shape how we age, as well as how our own internalized ageism may unknowingly limit our health and happiness.  Tune in and walk away with practical steps to build meaningful social connections, rethink retirement, and intentionally design a more purposeful, connected life, no matter your age. In this episode: Why social health may be the most overlooked factor in long-term wellbeingHow other countries intentionally design connection into later lifeThe role work, purpose, and proximity play beyond traditional retirementHow ageism and mindset quietly influence health and longevitySimple ways to plan for connection, not just financial security— Ask Ken: subscribe for access to his newsletter and send him the questions you have about social connection → https://www.longevity-project.com/ht100-newsletter  Connect with Karen: Clarity PlanningLinkedInYouTubeInstagram Connect with our guest:  Ken Stern on LinkedInThe Longevity Project

    35 min

  6. JAN 29

    Ask Better Questions, Save More Money with Matt Schulz

    What do medical bills, group dinners, canceled flights, and even premarital counseling all have in common? According to Matt Schulz—Chief Consumer Finance Analyst at LendingTree and author of Ask Questions, Save Money, Make More—they’re all opportunities to take back control of your financial life simply by asking the right questions. In this insightful conversation, Matt and Karen uncover the everyday moments where speaking up can save you money, strengthen relationships, and reduce stress. From negotiating medical bills and navigating travel chaos, to smoothing out friendship friction at big group dinners, Matt shares practical scripts, real-life stories, and the empowering reminder that you have more power over your money than you think. In this episode: Why most people underestimate how much leverage they actually haveHow asking early can prevent awkward or expensive situations laterWhy tone and timing matter more than having the perfect wordsHow everyday money moments reveal deeper communication patternsSmall mindset shifts that make money feel less intimidating Connect with Karen: Clarity PlanningLinkedInYouTubeInstagram Connect with our guests:  Matt Schulz’s websiteMatt Schulz on LinkedIn

    35 min

  7. JAN 15

    The Surprising Value of Advice with Dr. Daniel Crosby

    Money has a way of slipping into every corner of life, shaping how we feel, how we make decisions, and even how we show up for the people we love. So when the online noise insists that “nobody needs an advisor anymore,” it ignores the part of money that isn’t mechanical at all. In this conversation, Daniel Crosby brings a grounded, deeply human view of what advice actually does for people — the calm it creates, the guardrails it provides, and the way it helps us carry what feels heavy on our own. In this episode: Why online critics misunderstand what advisors really doThe emotional and time value hidden behind good adviceHow trust and rapport shape financial decisionsWhen DIY investing starts to work against youWhy simple conversations can be more powerful than complex strategiesThe role advisors play in helping clients stay steady during uncertain moments Connect with Karen: Clarity PlanningLinkedInYouTubeInstagramConnect with our guests:  Daniel Crosby on LinkedInOrion Advisor Solutions

    33 min

  8. JAN 1

    Understanding Our Hidden Patterns with Bukola Oguntala

    Patterns shape the way we lead, work, spend, save, and even show up in our relationships, and still, most of us rarely stop to notice the ones shaping us behind the scenes. In this conversation, Karen sits down with leadership strategist and keynote speaker Bukola Oguntala, whose work centers on helping people recognize the unconscious behaviors that drive burnout, miscommunication, and resistance. Bukola’s perspective comes from her own experience. As a first-generation Nigerian American who lost both parents at 12, she learned early how patterns can help you, and how they can also work against you. Her experience spans a 20-year career across consulting, pharmaceuticals, manufacturing, and HR leadership, and now informs the SHIFT™ framework she teaches to leaders who feel stretched thin. In this episode: How early experiences shape our patterns as adultsWhy high performers often cling to habits that eventually hold them backThe role of culture and context in how we show up at workWhat burnout can reveal about the patterns we’ve outgrownSmall shifts that help create space for new ways of leading and living Connect with Karen: Clarity PlanningLinkedInYouTubeInstagram Connect with our guests:  Bukola Oguntala on LinkedInBukola Oguntala Website

    38 min
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5
out of 5
14 Ratings

About

We're exploring how money exists in our real, daily lives, not just as numbers on a chart. From managing our emotions to caring for an aging parent, join us for conversations that are practical, sometimes philosophical, and always fresh.  Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC. Investment advisory services offered through Raymond James Financial Services Advisors, Inc. Clarity Planning is not a registered broker/dealer and is independent of Raymond James Financial Services. Content represents the opinions of the speaker and not necessarily those of Raymond James. The rating is not intended to be an endorsement, or any way indicative of the advisors abilities to provide investment advice or management. This podcast is intended for informational purposes only. Important Disclosure Information: http://raymondjames.com/smicd.htm

Information

  • Creator
    Karen Coyne, CFP®
  • Years Active
    2K
  • Episodes
    145
  • Rating
    Clean
  • Copyright
    © 2026 MONEY WITHOUT MATH
  • Show Website
    MONEY WITHOUT MATH