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

Carolina Martinez ChFC® - Christian Financial Coach
  • 5.0 (46)
  • Investing
  • Updated 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. 6d ago

    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.

  2. 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.

  3. 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.

  4. 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.

  5. Sep 2

    31 | How to Cash Flow Multiple Goals at Once - Without Sacrificing the Life You Actually Want

    How do you actually do it all — invest for retirement, invest for your kids, save for a vacation, and still have money to enjoy your life right now? In this episode I am pulling back the curtain on exactly how we cash flow multiple goals at the same time (and spoiler!) it has nothing to do with making a certain amount and everything to do with having a system. I am walking you through my actual thought process behind budgeting for retirement and kids' accounts and vacation and sinking funds all at once, and why a budget is not a restriction — it is literally the thing that makes all of it possible. And at the end? A little sneaky surprise I was not even planning to mention. 👀 Because here is the truth. The margin is almost always there. It is just hiding. And today I want to help you find it. My favorite budgeting app Your Money Organized in 90 Minutes 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.

  6. Aug 26

    30 | The Most Powerful Thing a Mom Can Do With Money And Nobody Is Talking About It

    In this episode I am getting really honest about why I have sometimes shrunk back from this conversation and why I am done letting the enemy use that as a reason to stay quiet. Because Jesus talked about money in eleven of thirty nine parables. He was not afraid of the conversation. And that means we cannot be either. This one goes deeper than budgets and investing. We are talking about what money actually is and what happens when it lands in the hands of a faithful steward versus someone who was never taught how to steward it. We are talking about discipling your kids' hearts around money on purpose and why the account you open for your kids today matters but the conversations you have around it matter even more. This one is personal. This one is important. And I hope it meets you right where you are. 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.

  7. Aug 19

    29 | God Threw Me A Curveball - A Cruise, A Six Figure Offer, and How Greater Financial Was Born

    Buckle up - because this one is a story I have been waiting to tell you. Two years ago I was literally shaking, holding the phone, calling my firm to say I was leaving. With no plan to do anything but be a full time stay at home mom. It was a Holy Spirit nudge I could not ignore. What has happened in the past 2 years is all God writing this story. In this episode I am sharing the full journey and trying to be obedient in every step. And introducing, Greater Financial. This is not just a business update. This is what it looks like when you say yes to what God is asking — even when it is scary, even when it takes longer than you planned, and even when you have absolutely no idea where it is going. Greater Financial is officially here. And I cannot wait to tell you what that means for you. Book a FREE call Start Investing for Your Child With As Little As $10 - Only $27! Get the FREE High Yield Savings Account Guide The Intentional Impact Studio - The incredible duo of learning design experts that helped me create my course Katie Higginbotham - The amazing brand + web designer I worked with FREE weekly newsletter FREE Financial Freedom Calculator Connect with me on Instagram www.greaterfinancial.co 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. Aug 12

    28 | Why Debt Feels So Heavy for Moms and How to Start Lifting It

    Debt does not go away by working harder. It goes away when you pay attention to it and have a plan. In this episode I am sharing the story of a client who was maxed out, burnt out, saying yes to every client inquiry, and still drowning - not because she was not working hard enough but because she had no strategy. And the moment we built one together everything shifted. I am walking you through the exact four step framework I use with my clients to start lifting the weight of debt - facing the full picture, stopping the bleeding, picking your payoff method, and protecting your peace in the process. 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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