MONEY WITHOUT MATH

Karen Coyne, CFP®
  • 5.0 (13)
  • 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. 2D AGO

    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

  2. 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

  3. 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

  4. 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

  5. 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

  6. 12/18/2025

    How Gen X Can Fix a Late Start On Retirement with Kerry Hannon and Janna Herron

    Generation X has officially entered the “wait… how close is retirement?” era. And while most of us still feel mentally 35, the numbers are inching closer whether we’re ready or not. This conversation with Kerry Hannon and Janna Herron, co-authors of Retirement Bites: A Gen X Guide to Securing Your Financial Future, feels like a warm, clear-eyed check-in about where we stand, what we can do now, and why it’s not too late to build a retirement that actually feels good. In this episode: How lifestyle creep reshapes your financial picture.Why Gen X often feels behind and what’s actually within your control.The role of work, reinvention, and staying relevant in midlife.Ways your home, health, and network can support a stronger retirement. Get the book Retirement Bites: A Gen X Guide to Securing Your Financial Future: https://www.amazon.com/dp/154170584X  Connect with Karen: Clarity PlanningLinkedInYouTubeInstagramConnect with our guests:  Kerry Hannon on LinkedInJanna Herron on LinkedIn

    35 min

  7. 12/04/2025

    Doing Money Together with Heather Boneparth

    Building a life with someone means blending histories, emotions, habits, and hopes, and money is woven through all of it. In this conversation, Karen is joined by author Heather Boneparth, who spent two years interviewing couples and experts to understand what truly helps partners feel seen, supported, and financially aligned.  Together, they explore how couples can move toward more fairness, more teamwork, and more empathy, even when life gets messy. Heather shares why caregiving is as valuable as earning, why communication needs to stay constant, and how staying curious about your partner can transform your financial life and your relationship. In this episode: Why your early money “scripts” still influence you todayHow couples can approach risk when they were raised differentlyThe deeper story behind a “croissant fight” and what resentment revealsWhy contributions at home deserve equal weight to contributions at workThe one habit Heather believes every couple should practiceConnect with Karen: Clarity PlanningLinkedInYouTubeInstagramConnect with our guests:  Heather Boneparth on LinkedInBone Fide Wealth

    38 min

  8. 11/20/2025

    How to Age Well (and Love It) with Dr. Kerry Burnight

    We spend so much time thinking about how to live longer, but not nearly enough time thinking about how to live better. In this episode, Karen sits down with Dr. Kerry Burnight, known as America’s Gerontologist and author of Joyspan: The Art and Science of Thriving in Life’s Second Half, to explore what truly drives quality of life as we age. They go through the habits, mindsets, and small daily choices that influence not only how long we live but how deeply we enjoy those years. If we were to choose one takeaway from Dr. Burnight’s words, it’s that joy is an inside job. In this episode: The four elements of joyful longevity: grow, connect, adapt, and giveWhy your mindset about aging can add years to your lifeHow asking for help actually strengthens connectionSmall gratitude habits that change how we experience each dayConnect with Karen: Clarity PlanningLinkedInYouTubeInstagramConnect with our guests:  Dr. Kerry Burnight on LinkedInDr. Kerry Burnight’s website

    36 min
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5
out of 5
13 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
    142
  • Rating
    Clean
  • Copyright
    © 2026 MONEY WITHOUT MATH
  • Show Website
    MONEY WITHOUT MATH