Finance for Christian Moms | Save Money, Debt Free, Investing for Beginners, Cash Flow, Build Wealth

Carolina Martinez ChFC® - Christian Financial Coach
  • 5.0 (48)
  • Investing
  • Weekly

This is the podcast for you, the busy mom who wants to understand your finances, invest with confidence, and enjoy life now - while building a God honoring legacy for your family. ***TOP 3% GLOBALLY RANKED PODCAST *** Do you feel like your money is always reacting to life instead of working for your family’s future? Do you worry your kids will inherit stress, scarcity, or shame around money… just like you did? Do you wish you could enjoy family life now and still build wealth for tomorrow? Hey, I’m Carolina. I am wife, boy mom, financial advisor (ChFC®) and money coach. I used to swipe first and think later… and call it normal. Even with a background in finance, I still had to learn how to create a flexible, faith led plan that fits real life motherhood (not a perfect spreadsheet). God showed me a better way: stewardship that brings peace today and builds legacy for tomorrow. Now I help busy moms invest confidently, enjoy life now, and create Kingdom impact, one simple decision at a time. If you’re ready to stop wondering if you’re “doing it right” and start leading your finances with wisdom, faith, and confidence… press play. Sign up for my FREE weekly newsletter Connect with me on IG: @cashflowwithcarolina www.cashflowwithcarolina.com Greater Financial is a Registered Investment Adviser in the state of Florida. Advisory services are only offered to clients or prospective clients where Greater Financial and its representatives are properly registered or exempt from registration. This podcast is for informational purposes only and does not constitute individualized advice or a guarantee that you will achieve a desired result. You should consult with appropriate tax and/or financial advisors for advice specific to your situation.All expressions of opinion reflect the judgment of the host/interviewee on the date of the program and are subject to change. Carolina Martinez is an investment adviser representative of Greater Financial. The firm is a registered investment adviser and only conducts business in jurisdictions where it is properly registered, or is excluded from registration requirements. Registration as an investment adviser is not an endorsement of the firm or by securities regulators and does not mean the adviser has achieve a specific level of skill or ability.

  1. 2d ago

    39 | Debt Is Keeping You From the Life You Actually Want - Here’s How We Got Out

    Eight years ago this week we made our final payment on $87,469 of debt -- 10/31/18 was the day we made our last payment on our car. In this episode I am taking you behind the scenes of exactly how we did it -- from the brand new Toyota Camry we had no business buying two weeks after our honeymoon, to living in a tiny one bedroom apartment overlooking a parking lot, to each having $25 of fun money a month. It was not glamorous, but it changed everything. And because most of you listening are moms, I am giving you four tactical tips for crushing your debt in this season without losing your mind in the process. We talk celebration parameters, the expenses that need to go, tithing through the hard season, and when it actually makes sense to increase your income. This one is personal. This one is practical. And if you are in the middle of your debt payoff journey right now -- this episode is for you. How $10 Can Become $20,000 By Their 18th Birthday - Join the free calls happening on 10/26 + 11/16 when you purchase FREE Contribution Journal FREE No Debt Christmas Tracker Get the FREE High Yield Savings Account Guide Connect with me on Instagram Get a custom financial plan with Greater Financial This content is for educational and informational purposes only and should not be considered personalized financial advice. Please consult a licensed financial professional for guidance specific to your situation.

  2. Oct 21

    38 | Your Money Story Was Written Before You Were 7. Here's How To Rewrite It.

    Your money mindset was formed by the age of seven. Before you ever had a paycheck. Before you ever had a choice. But here is the good news — you still have the power to change it today. And more importantly, you get to decide where your kids start. In this episode I am getting really personal. I am sharing what it felt like to become a mom for the first time, why I was always labeled the spender growing up, and the hilarious but convicting moment my son said something in the back of my car that stopped me completely in my tracks. And then I am sharing my grandmother’s story — the one that reminds me every single time why the hard changes are always worth it. This one is not about budgets or investing tips. It is about legacy. About breaking cycles. About what becomes possible for your kids and their kids when you finally decide to do something different. This episode is dedicated to my son on his birthday. And I think it might be exactly what you needed to hear today. How $10 Can Become $20,000 By Their 18th Birthday - Join the free calls happening on 10/26 + 11/16 when you purchase FREE Contribution Journal FREE No Debt Christmas Tracker Get the FREE High Yield Savings Account Guide Connect with me on Instagram Get a custom financial plan with Greater Financial This content is for educational and informational purposes only and should not be considered personalized financial advice. Please consult a licensed financial professional for guidance specific to your situation.

  3. Oct 14

    37 | The $50 Toy That Could Be $30,000 Instead

    If one more toy shows up in my house I might lose my mind. And I know I am not alone. In this episode I am talking about what I actually think is one of the best Christmas gifts you can give your child this year - and it is not on any wish list. We are talking about what happens when we simplify the gifts, invest the difference, and give our kids something that will still matter when they are twenty five and buying their first home or starting their first business. I am also sharing a really cool contribution journal idea I got from a fellow money content creator (@moneytalkmal) that will let your kids one day see every single person who ever invested in their future - every birthday, every Christmas, every random Tuesday when grandma puts $25 in. And I am walking you through exactly how to set this up before the holiday questions start rolling in - the account, how family members can contribute, and how to have that conversation without being the Grinch. Because$50 a month for 20 years is over $30,000 in today's dollars!!!! And it starts with one decision. One account. One text that says - "actually this year we are doing something a little different." FREE Contribution Journal FREE No Debt Christmas Tracker How $10 Can Become $20,000 By Their 18th Birthday Get the FREE High Yield Savings Account Guide Connect with me on Instagram Get a custom financial plan with Greater Financial This content is for educational and informational purposes only and should not be considered personalized financial advice. Please consult a licensed financial professional for guidance specific to your situation.

  4. Oct 7

    36 | 3 Ways To Get Ahead of Your Holiday Cashflow This Season

    October is here. And if you can already feel the financial pressure of the next three months creeping in, this episode is for you. We are talking about why swiping and figuring it out later is actually causing a bigger mess and what to do instead, how to do a full brain dump of your holiday expenses before they sneak up on you, and why no is a complete sentence -- not just for purchases but for everything that is quietly draining your time energy and margin this season. Because the women who feel the most peace this holiday season are not the ones who make the most money. They are the ones who made a plan. This one is equal parts motivating and practical. And I promise it is exactly what you need to hear right now while there is still time to get ahead of it. FREE No Debt Christmas Tracker How $10 Can Become $20,000 By Their 18th Birthday Get the FREE High Yield Savings Account Guide Connect with me on Instagram Get a custom financial plan with Greater Financial This content is for educational and informational purposes only and should not be considered personalized financial advice. Please consult a licensed financial professional for guidance specific to your situation.

  5. Sep 30

    35 | Why Not Listening to God Cost Me $5,000 – 3 Stewardship Lessons I Learned the Hard Way

    Not listening to the Lord cost us over $5,000 last year. In this episode I am getting really vulnerable and sharing two situations from the past year where the Lord was speaking clearly - and I chose my comfort over His direction. And looking back I can see every nudge I explained away and every sign I ignored. But here is the thing. Stewardship is not just about managing your money well. It is about stewarding what God is telling you to do. And partial obedience - the kind where you hear Him but tweak it just a little to feel safer - is still disobedience. I am walking you through three lessons I learned the expensive way - because I think someone listening needed to hear this today. Maybe you have been ignoring a nudge. Maybe you have been waiting for a clearer sign. Maybe the unsettled feeling you keep explaining away is actually the sign. This one is honest, it's real and it's messy. And I hope it gives you one of those moments where you think - "oh, that was Him speaking to me too." Start Investing for Your Child With As Little As $10 Get the FREE High Yield Savings Account Guide Connect with me on Instagram Get a custom financial plan with Greater Financial This content is for educational and informational purposes only and should not be considered personalized financial advice. Please consult a licensed financial professional for guidance specific to your situation.

  6. Sep 23

    34 | The Real Reason We Paid Off $87,000 of Debt - And It Had Nothing to Do With Money

    The real reason my husband and I paid off $87,000 of debt had nothing to do with stewardship. It had nothing to do with compound interest or financial freedom. It was a lot more personal than that. In this episode I am pulling back the curtain on the story I have never really said directly on this podcast before - growing up with a front row seat to what money fights can do to a marriage, the vow I made to myself long before I ever knew what a debt snowball was, and how one conversation my husband had about Dave Ramsey changed the entire trajectory of our family. And then I am walking you through three questions I would ask any client who sat across from me and said Carolina I know I need to do something about this debt but I just cannot seem to make it happen. Because the answer is almost never about the numbers. It is almost always about the vision. This one is personal. This one is real. And if you have been carrying debt for so long you have forgotten what relief actually feels like - this episode is for you. Come find me on Instagram after you listen and tell me which question stopped you in your tracks. I genuinely cannot wait to hear from you. Start Investing for Your Child With As Little As $10 Get the FREE High Yield Savings Account Guide Connect with me on Instagram Get a custom financial plan with Greater Financial This content is for educational and informational purposes only and should not be considered personalized financial advice. Please consult a licensed financial professional for guidance specific to your situation.

  7. Sep 16

    33 | The Budget Line Item That Changed Everything and How It Became One of My Favorite Savings Hacks

    Last year I added a line item to our budget called "I Said No." And it has saved me hundreds of dollars. In this episode I am walking you through exactly how it works because as someone who is not a natural saver and genuinely loves a nice lunch and a good coffee, white knuckling my way through spending cuts was never going to work for me. So I made saying no feel exciting instead. This is not a deprivation episode. I literally went to Starbucks the day I recorded this. This is about awareness, intention, and what a budget can actually do for you when you stop seeing it as a restriction and start seeing it as the tool that makes the vacation, the kids' accounts, and the guilt free coffee all possible. Because that coffee you said no to? That is generational wealth in disguise. My favorite budgeting app Start Investing for Your Child With As Little As $10 Get the FREE High Yield Savings Account Guide Connect with me on Instagram This content is for educational and informational purposes only and should not be considered personalized financial advice. Please consult a licensed financial professional for guidance specific to your situation.

  8. Sep 9

    32 | The $10 Decision That Could Change Your Child's Life Forever

    What if the most powerful thing you could do for your child's future had nothing to do with the school they go to or the sports they play and everything to do with a decision you make today for as little as $10? In this episode I am introducing my Peach Tree Framework -- a simple three step approach to investing for your kids that makes the whole thing feel a lot less overwhelming and a lot more doable. We are talking about why the environment you plant in matters, why ten dollars a week is more powerful than you think, and the one step most people completely miss that leaves their money sitting in a dark closet losing value instead of growing. Oh and there is an unexpected guest appearance I was not planning on. 🥹 Because here is what I know from coaching and advising families. The moms who start, even with the smallest amounts, never regret it. Not one. But the ones who wait? They all say the same thing every single time. And as we head into the holiday season - if your family keeps asking what to get the kids and you genuinely do not want one more toy in your house - this episode has your answer. My favorite budgeting app Start Investing for Your Child With As Little As $10 Get the FREE High Yield Savings Account Guide Connect with me on Instagram This content is for educational and informational purposes only and should not be considered personalized financial advice. Please consult a licensed financial professional for guidance specific to your situation.

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5
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About

This is the podcast for you, the busy mom who wants to understand your finances, invest with confidence, and enjoy life now - while building a God honoring legacy for your family. ***TOP 3% GLOBALLY RANKED PODCAST *** Do you feel like your money is always reacting to life instead of working for your family’s future? Do you worry your kids will inherit stress, scarcity, or shame around money… just like you did? Do you wish you could enjoy family life now and still build wealth for tomorrow? Hey, I’m Carolina. I am wife, boy mom, financial advisor (ChFC®) and money coach. I used to swipe first and think later… and call it normal. Even with a background in finance, I still had to learn how to create a flexible, faith led plan that fits real life motherhood (not a perfect spreadsheet). God showed me a better way: stewardship that brings peace today and builds legacy for tomorrow. Now I help busy moms invest confidently, enjoy life now, and create Kingdom impact, one simple decision at a time. If you’re ready to stop wondering if you’re “doing it right” and start leading your finances with wisdom, faith, and confidence… press play. Sign up for my FREE weekly newsletter Connect with me on IG: @cashflowwithcarolina www.cashflowwithcarolina.com Greater Financial is a Registered Investment Adviser in the state of Florida. Advisory services are only offered to clients or prospective clients where Greater Financial and its representatives are properly registered or exempt from registration. This podcast is for informational purposes only and does not constitute individualized advice or a guarantee that you will achieve a desired result. You should consult with appropriate tax and/or financial advisors for advice specific to your situation.All expressions of opinion reflect the judgment of the host/interviewee on the date of the program and are subject to change. Carolina Martinez is an investment adviser representative of Greater Financial. The firm is a registered investment adviser and only conducts business in jurisdictions where it is properly registered, or is excluded from registration requirements. Registration as an investment adviser is not an endorsement of the firm or by securities regulators and does not mean the adviser has achieve a specific level of skill or ability.

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