MONEY WITHOUT MATH

Karen Coyne, CFP®

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. 6D AGO

    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

    33 min

  2. 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

    37 min

  3. 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

    32 min

  4. APR 9

    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

  5. 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

  6. 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

  7. 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

  8. 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
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5
out of 5
15 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
    148
  • Rating
    Clean
  • Copyright
    © 2026 MONEY WITHOUT MATH
  • Show Website
    MONEY WITHOUT MATH