MONEY WITHOUT MATH

Karen Coyne, CFP®
  • 5.0 (16)
  • 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

    Design a Life You Love with Dr. Katie Sandoe

    What if you approached your life with the same intentionality that organizations bring to strategic planning? In this episode of Money Without Math, Karen Coyne sits down with leadership strategist, speaker, and "Sparkologist" Dr. Katie Sandoe to explore her personal strategic planning process. Inspired by years of leading strategic planning sessions for organizations, Dr. Katie adapted many of those same principles to help create greater clarity, purpose, and alignment in her own life.  Together, they discuss the power of deep reflection, creating space away from everyday distractions, identifying what truly deserves your time and energy, and building a roadmap for the next season of your life. Dr. Katie shares the questions she asks herself each year, the tools she uses to make intentional decisions, and how this process ultimately led her to launch her own business and design a life she loves. Whether you dedicate a full week, a single day, or just an hour, this conversation will inspire you to stop drifting and start living with greater intention. In this episode: 00:00 Why You Need a Personal Strategic Plan 01:12 Turning Strategic Planning Into a Life Plan 03:33 Four Rules for a Successful Planning Retreat 06:35 How to Design Your Personal Retreat 10:43 Making Time for What Matters Most 12:35 The Questions to Clarify Your Next Chapter 17:56 Using the Wheel of Life to Find Clarity 19:31 Creating Your Personal Strategic Roadmap 21:28 Build Your Own Board of Directors 23:56 What You Need to Let Go Of 28:33 Turning Reflection Into Action 30:49 How Personal Strategic Planning Changed My Life 33:25 The Secret to Loving Your Life Connect with Karen: Clarity PlanningLinkedInYouTubeInstagram Connect with our guests:  Katie Sandoe on LinkedInSpark Something New

  2. Jul 16

    The Unexpected Role Your Home Plays in Healthy Aging with Esther Greenhouse

    Nearly 95% of older adults are aging in place. But studies suggest that as little as 1% to 5% of U.S. homes actually have the key features needed to make that possible. Most people assume aging in place is about installing grab bars or making renovations after a health crisis; today’s guest says that’s exactly backwards. In this episode, Karen is joined by Esther Greenhouse, environmental gerontologist and longevity strategist. Together, they explore the often-overlooked connection between housing design, independence, caregiving, and financial planning. Drawing on decades of research and her own caregiving experience, Esther explains how the environments we live in can shape our health, abilities, and quality of life long before a crisis occurs. They discuss why successful aging in place begins decades before someone needs care. From person-environment fit and universal design to caregiving and preserving independence, Esther shares practical ways to create homes that support people throughout their lives instead of forcing costly, reactive changes later on. The conversation also explores why housing deserves a place in comprehensive financial planning. Thoughtful design can help reduce caregiver burden, preserve assets, delay the need for long-term care, and create better outcomes for families over time. Whether you're planning for your own future, helping an aging parent, or advising clients through life's later chapters, this episode offers a fresh perspective on how the places we live can shape the lives we lead.  In this episode: 0:00 Why Homes Aren’t Built For Aging 0:44 Money Without Math Show Intro 1:27 Aging In Place Starts Years Earlier 8:25 Person Environment Fit And Forced Frailty 14:35 Five Features That Change Everything 24:12 Universal Design That Helps Everyone 26:40 Caregiving Planning And Real Cost Savings 32:45 How To Follow Plus Disclosures Connect with Karen: Clarity PlanningLinkedInYouTubeInstagram Connect with our guests:  Esther Greenhouse on LinkedInContact Esther GreenhouseSilver to Gold Strategic Consulting

  3. Jul 2

    Love Richer: Building Stronger Relationships Through Better Money Conversations with Jackie Combs

    Love and money are deeply connected—even when we avoid the conversation. In this episode of Money Without Math, Karen Coyne sits down with attorney and Love Richer creator Jackie Combs to explore how women can set themselves up for financial success at every stage of life—single, dating, engaged, or married. From subtle money conversations you can have on a first date, to the truth about prenups, to recognizing financial red flags before they become real problems, Jackie shares the legal and practical insights many women don’t learn until it’s too late. You’ll also learn why “doing nothing” is still a financial decision, how to build true financial intimacy in a relationship, and the four-part framework that can transform how you talk about money with a partner. This episode is your guide to building a relationship where you feel informed, protected, and confident—because love can feel good and make financial sense. In this episode: 0:00 - Money Values Start Early 1:04 - Show Focus And Guest 3:48 - Why Love Richer Started 5:02 - First Date Money Questions 7:38 - The Default Rules If You Do Nothing 9:50 - Prenups For Wealth And Caregiving 12:38 - What If You Are Already Married 14:48 - Transparency For Life Curveballs 19:05 - Relationship Money Red Flags 23:28 - How To Have Better Money Talks 26:06 - Four Dimensions Of Financial Intimacy 30:02 - Closing And Listener Next Steps Connect with Karen: Clarity PlanningLinkedInYouTubeInstagram Connect with our guests:  Jackie Combs on LinkedInLove RicherJackie Combs (@love.richer) • Instagram photos and videos

  4. Jun 18

    Place Planning for Health, Wealth, & Longevity with Ryan Frederick

    Where you live shapes more than your lifestyle—it influences your health, relationships, and long-term financial outcomes. In this episode, Karen sits down with Ryan Frederick, founder of HERE and author of Right Place, Right Time, to explore why place is one of the most overlooked drivers of well-being and wealth. They discuss how your environment shapes your habits, why most people underestimate the impact of their surroundings, and how to think more intentionally about where—and how—you live. Ryan introduces the four key dimensions of place—environment, health, community, and finances—and explains why place planning isn’t just about moving. In many cases, it’s about making better use of where you already are. They also tackle common pitfalls—like aging in place without a real plan, overconfidence in big relocation decisions, and the tendency to think of ourselves as younger than we are when making long-term choices. Whether you're considering a move, approaching retirement, helping aging parents, or simply want to feel more aligned in your day-to-day life, this conversation offers a framework for thinking about place in a more intentional way. In this episode: 0:00 - Introduction  1:16 - What Place Planning Means  2:25 - How Place Shapes Us  8:23 - Aging In Place Without A Plan  14:03 - The Four Quadrants Of Place  22:06 - Feeling Younger Versus Planning Realistically  26:34 - Reimagining Home And Advisor Questions  35:02 - The Fast Assessment And Closing Connect with Karen: Clarity PlanningLinkedInYouTubeInstagramConnect with our guests:  Ryan Frederick on LinkedInHere.Life

  5. Jun 4

    Why More Money Still Feels Stressful: Sudden Wealth, Inheritance, and Identity with Marin Laukka

    You might assume that receiving a financial windfall would feel exciting, freeing, or even relieving. But for many people, sudden wealth brings something much more complicated: overwhelm, identity shifts, grief, uncertainty, and emotional paralysis. In this episode of Money Without Math, Karen Coyne is joined by financial coach and speaker Marin Laukka to explore the psychology of sudden wealth and why financial transitions are often far more emotional than people expect. Drawing from personal experience, research, and conversations with families navigating wealth transfers, Marin shares why gain and grief can often coexist and why even financially savvy people can feel overwhelmed or lost when money changes overnight. The conversation also explores how financial professionals can better support clients through major life and financial transitions with more empathy, awareness, and human connection.  If you’ve experienced a major financial shift, are preparing for a future inheritance, or want to better understand the emotional side of wealth, this conversation offers an important perspective that often gets overlooked. Connect with Karen: Clarity PlanningLinkedInYouTubeInstagram Connect with our guests:  Marin Laukka on LinkedInJoyful Budgeting

  6. May 21

    You’re Negotiating Already—How to Do It Better with Ranieka Weston

    Negotiation is often equated with high-stakes conversations: salary offers, contracts, or tense back-and-forths across a conference table. But leadership coach and consultant Ranieka Weston says negotiation is happening constantly, often in the smallest moments of everyday life. In this episode of Money Without Math, Karen Coyne sits down with Ranieka to unpack the mindset behind effective negotiation and why so many people struggle to ask for what they want, even when the stakes are low. From restaurant orders and parenting conversations to workplace boundaries and compensation discussions, they explore how negotiation is less about conflict and more about clarity, self-trust, timing, and emotional awareness. Ranieka shares practical ways to strengthen your “negotiation muscle,” including how to approach difficult asks without becoming combative, why psychological safety matters at work and at home, and the hidden cost of shrinking your own value in important conversations. She also explains why many people don’t actually have a confidence problem; they have a negotiation problem. If you’ve ever avoided asking, worried about being perceived as difficult, or walked away from a conversation thinking “I should’ve said something,” this episode offers a grounded approach to advocating for yourself—one small ask at a time. In this episode: 0:00 - Know Your Value First  1:17 - Negotiation Happens Every Day  5:20 - The Vegas Margarita Win Win  10:09 - Mindset Shapes Every Ask  14:52 - Clarity Value And Timing  16:32 - Negotiating With Your Teen  20:47 - Boundaries Nonnegotiables And Safety  25:18 - Weekly Practice Questions That Work  27:37 - How To Ask Without Feeling Cheap  30:50 - Final Takeaways And Next Steps Connect with Karen: Clarity PlanningLinkedInYouTubeInstagram Connect with our guests:  Ranieka Weston on LinkedInYour Next Thought

  7. May 7

    Inheritocracy: When Family Wealth Matters More Than Your Paycheck with Dr. Eliza Filby

    Historian and generational expert Dr. Eliza Filby, author of Inheritocracy: It's Time to Talk About the Bank of Mum and Dad, joins Karen Coyne to explore why economic outcomes increasingly depend more on access to parental support and less on income or education. An estimated $80-$120 trillion is set to pass from Baby Boomers down family trees over the next two decades, but this transfer is lumpy, complicated, and loaded with unspoken expectations.  Together, they dive into the uncomfortable details: why parenting has become a 30-year financial commitment, how parental support can quietly erode a young person's drive and resilience, and the very real control dynamics that come with financial help, even when everyone calls it a "gift." They also talk about the families getting this right, including a father who turned the Bank of Mom and Dad into an actual bank.  Dr. Filby also brings in the gender dimension, as women tend to gift earlier, take fewer financial risks, and carry the care burden as parents age. She makes a strong argument for why these conversations can't just happen between the patriarch and a financial advisor on a golf course.  For families navigating support, inheritance, or just trying to figure out how to talk about money across generations, this one is worth a full listen. In this episode: 0:00 – What is an inheritocracy?  3:30 – The great wealth transfer and why it's uneven  7:00 – Why young adults are still financially dependent  9:45 – Housing, wages, and what actually got expensive  14:00 – When parental support becomes reckless  17:00 – The connection between financial help and resilience  19:45 – AI, work, and why Gen Z questions the career ladder  20:10 – Control, obligation, and the strings on "gifts"  26:10 – How to start these conversations in your family  29:00 – Prenups and the mass affluent  33:00 – Gender and who holds the emotional vs financial power Connect with Karen: Clarity PlanningLinkedInYouTubeInstagram Connect with our guests:  Dr. Eliza Filby on LinkedInDr. Eliza Filby’s websiteDr. Eliza Filby on Instagram

  8. Apr 23

    Gratitude As a Way of Life with Dr. Peggy DeLong

    What if the key to feeling more financially secure, more successful, and more at peace had nothing to do with your account balance? Gratitude might sound like a soft skill, but the science says otherwise. In this episode of Money Without Math, Karen Coyne is joined by Dr. Peggy DeLong, the Gratitude Psychologist, to explore how a daily gratitude practice can literally rewire the brain, shift your sense of identity, and move you from a scarcity mindset to one of abundance. Dr. Peggy shares her own deeply personal journey, from an ungrateful young adult to discovering gratitude's power during one of the most devastating seasons of her life, and how that discovery now informs her work as a psychologist, speaker, and author. Whether you're stuck in comparison mode, caught on the never ending treadmill of "never enough," or simply looking for small ways to feel better every day, this episode offers research backed tools that take as little as two seconds to practice. In this episode: How grief and adversity led Dr. Peggy to discover the power of gratitudeWhy gratitude changes brain structure and how pessimists become optimistsMoving from a scarcity mindset to an abundant oneHow gratitude reduces comparison and redefines success beyond financesThe Grateful Day: micro practices you can start today, including the two second morning reset, setting your intention, and writing appreciation emails to counter "email apnea" Connect with Karen: Clarity PlanningLinkedInYouTubeInstagram Connect with our guests:  Peggy DeLong on LinkedInMidlife Awakening Sisterhood

See All (153)

5
out of 5
16 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
    2026
  • Episodes
    153
  • Rating
    Clean
  • Copyright
    © 2026 MONEY WITHOUT MATH
  • Show Website
    MONEY WITHOUT MATH