Making Change with your Money

Laura Rotter, CFA, CFP® | Financial Advisor for Women in Midlife Transitions
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Making Change with Your Money is the go-to podcast for women in midlife experiencing major life transitions and ready to transform their relationship with money. Hosted by Laura Rotter, CFA, CFP®—a financial advisor and Founder of True Abundance Advisors—this podcast features intimate conversations with women who have successfully navigated career changes, divorce and financial independence, retirement planning, entrepreneurship, and complete life reinvention. Every episode explores both the practical side of financial planning for women and the deeper inner work around money mindset, worthiness, and values-based living. From healing financial trauma to building sustainable businesses, from leaving corporate careers to investing with confidence, these stories provide both inspiration and actionable financial guidance. Whether you're contemplating a career pivot, managing an inheritance, recovering from divorce, or simply feeling that there must be more to life than the relentless pursuit of more—this podcast will help you use your resources (money, time, energy, and talent) to create a life of meaning and purpose. Laura brings her Wall Street experience, mindfulness practice, and financial life planning expertise to help listeners understand that true abundance isn't about the numbers in your account—it's about the freedom to live authentically. Perfect for: Women over 40, midlife career changers, recent divorcées, pre-retirees, women entrepreneurs, and anyone questioning whether they're worthy of pursuing their heart's desires. Topics include: Financial planning, money mindset, career transitions, retirement alternatives, divorce and money, women's financial empowerment, entrepreneurship, investing, financial therapy, values-based financial planning, and life reinvention.

  1. 3d ago

    Do You Want God to Bless Your Gross or Your Net?

    Imagine being a teenager holding your very first paycheck, trying to make sense of the words gross and net — and asking your dad whether you should tithe on the big number or the small one. And your dad grins and says: well, do you want God to bless your gross or your net? At some point you've probably asked: What does it mean to have enough — and to actually feel it? And what happens to the business, the mission, the identity you've spent two decades building when the season changes and the kids leave and the path opens up again? Sinikka Waugh grew up in a household where money wasn't discussed in polite company — but the lessons were everywhere. Her mother managed the family finances while her father was on military deployment. Tithing was non-negotiable. And in elementary school, her mother — a teacher — ran an experiment that Sinikka had completely forgotten until this conversation: if Mom packed your lunch, you paid less from your allowance. If you bought school lunch, you paid more. The kids had a say in how family resources were allocated. Without ever calling it a financial lesson, it was one of the best she ever received. She went to college intending to be a literature professor, discovered she was a project manager at heart, and launched Your Clear Next Step — a training and coaching company — as a woman entering a male-dominated field with no business background and a very big vision. For 18 years she ran the company, became the primary breadwinner for her family, put two daughters through college debt-free, and impacted nearly 60,000 people's workdays. Then 2024 arrived: an election year that froze discretionary spending, her mother's passing that pulled her away from the business for eight months, and a client who chose not to honor their contract. Any one of those would have been hard. All three at once nearly broke the company. Guest Sinikka Waugh, PMP, is President and CEO of Your Clear Next Step, a training and coaching company that has helped nearly 60,000 people have better workdays since 2008. With a background in languages, literature, and project management, Sinikka trains and coaches in three disciplines: returning business value, authentic human connection, and navigating change. She is also the host of the Even Better Podcast. Connect with Sinikka Website: https://www.yourclearnextstep.comLinkedIn: https://www.linkedin.com/in/sinikkawaugh/Instagram: https://www.instagram.com/yourclearnextstep/Facebook: https://www.facebook.com/YourClearNextStep/Resources Even Better Podcast with Sinikka Waugh: https://evenbetterpodcast.libsyn.com/ (also on Apple and Spotify)Your Clear Next Step — training and coaching programs: https://www.yourclearnextstep.comFree resources from Sinikka: https://www.yourclearnextstep.com

    Do You Want God to Bless Your Gross or Your Net?

  2. Sep 20

    Maybe You Shouldn't Ask Why You've Had Three Jobs. Maybe Ask Why You Haven't Had More.

    Imagine sitting across from a business school professor, ashamed. Three jobs in three years. A venture you're not sure will work. And you're terrified that if it doesn't, the resume just gets messier. Then he says something that stops you cold: maybe you're asking the wrong question. At some point you've probably asked: What does it mean when the path doesn't look the way I planned? And what do you do when the things your family is quietly struggling with — addiction, mental health, infertility — don't have a clean answer, and the people you turn to for help don't either? Arden O'Connor grew up in a blessed household — two parents from opposite financial backgrounds, a father in real estate who modeled entrepreneurship, and a childhood where every opportunity was funded. Harvard Business School followed. But the transition into the working world was humbling: three jobs in three years, an expensive lifestyle she hadn't earned yet, and a deep discomfort with money she'd never had to think about before. It took her well into her 30s to understand what things cost. What broke her open wasn't career failure — it was her brother. Watching her family pour resources into addiction treatment with no roadmap, no coordinator, no one asking the right questions, she kept thinking: there has to be a better way. So she built it. Intent Clinical launched to serve families navigating addiction. It now serves families across 40 states dealing with addiction, mental health, dementia, eating disorders, autism, and infertility — the things nobody talks about at a cocktail party but desperately needs help with. Her own road to motherhood became another chapter of that same mission. After cancer in her 20s left her unable to carry children, she navigated egg donors, sperm donors, and surrogates alone — overwhelmed by the complexity, the cost, and the emotional weight of depending on others for the most precious thing she'd ever know. Now her firm helps others do the same, with a timeline, a cost estimate, and emotional support alongside the clinical navigation. GuestArden O'Connor is the founder of Intent Clinical and a nationally recognized speaker on the intersection of behavioral health and wealth management. She advises private wealth advisors, law firms, and family offices on best practices for addressing mental health, addiction, aging care, infertility, and family dynamics within affluent families. Intent Clinical operates across 40 states with a team of 40 full-time and 400 part-time staff. Connect with ArdenWebsite: https://www.intentclinical.comLinkedIn: https://www.linkedin.com/in/arden-o-connor-87715bResourcesIntent Clinical — services for families navigating addiction, mental health, dementia, infertility, eating disorders, and autism: https://www.intentclinical.comAddiction and Affluence — the O'Connor family documentary film (30 minutes, featuring psychiatrists and family stories): contact Arden via intentclinical.comCorporate behavioral health programs — employee wellness, embedded psychologists, crisis response: https://www.intentclinical.com

    Maybe You Shouldn't Ask Why You've Had Three Jobs. Maybe Ask Why You Haven't Had More.

  3. Sep 12

    I Left a Six-Figure Job Without Another Lined Up. Then We Went to Paris

    Imagine sitting on the couch after the second failed fertility treatment, not knowing what's next — and your husband looks at you and says: "Let's just go to Paris for three months." And you go. At some point you've probably asked: What would it take to actually walk away from something that's destroying me? And what happens to the life I imagined when the plan stops working — career, family, all of it? Julia Shteynberg grew up in an immigrant household where money was talked about openly, practically, and without drama. Her parents encouraged saving, explained trade-offs, and gave her an early foundation most people never get. She absorbed it all — and built it into a career in corporate finance, climbing to director of FP&A at a startup, manifesting the executive life she'd imagined in college. Then the blood, sweat, and tears of it caught up with her. The pressure, the hours, the startup chaos — she hit a wall so hard she couldn't even look at other finance jobs. So in late 2021, she did the thing responsible immigrant Julia had never done: she quit without another job lined up. They had been living on one salary and saving the other, so the 40% income cut didn't faze the household finances. But it freed her up for what came next. After the fertility treatments didn't work, Paris happened. Three months. Unexpected. And in a Parisian café, a connection her husband made led to a job offer in Europe. In early 2023, they moved to Madrid. Julia had already started her money coaching business. Now she was running it from Spain. Her coaching style is built on the same values she grew up with: intention over impulse, trade-offs made consciously, systems that fit your real life. She works with high-earning women — entrepreneurs, doctors, lawyers, CPAs — who have piles of money but no plan for it. She helps them build one. And her closing message is simple: you can make more money. You can never get time back. Build a life worth protecting first. GuestJulia Shteynberg is a money coach and former corporate finance executive who helps high-earning women design a custom money system aligned with their values and built for wealth growth. Through her Money Makeover program, she empowers women to manage their finances with confidence and ease. Based in Madrid, she works with clients across the US via Zoom. Connect with JuliaWebsite: https://www.moneycoachjulia.comInstagram: https://www.instagram.com/juliashteynberg/LinkedIn: https://www.linkedin.com/in/juliashteynberg/Facebook: https://www.facebook.com/julia.shteynbergResourcesFree resources + email list: https://www.moneycoachjulia.com/emailMoney Makeover coaching program (6 months to 1 year, flat fee) — book a consult at https://www.moneycoachjulia.com

    I Left a Six-Figure Job Without Another Lined Up. Then We Went to Paris

  4. Sep 5

    Big House. Must Be a Crook. Where Did That Come From?

    Imagine driving past a beautiful house and the words just come out of your mouth: "I bet he's a crook." You don't even know where it came from. You clap your hand over your mouth. And in that moment, you realize a five-year-old's belief has been quietly running your life — and your business — for decades. At some point you've probably asked: What beliefs am I carrying that I didn't even choose? And how much is an old story — one you absorbed before you had the words to question it — quietly setting the ceiling on what you allow yourself to achieve? Connie Whitman grew up in Newark, New Jersey, the daughter of a Depression-era mother and an Italian immigrant father who worked construction, went to school at night to learn English, and jockeyed cars on weekends. The messages were layered in early: money doesn't grow on trees, hard work is the only way, and — from one unforgettable detour through a wealthy neighborhood during the riots — big houses belong to crooks. Her parents meant the mob. Five-year-old Connie heard: success is dangerous. That belief stayed buried for decades. Then one afternoon, driving past a 10,000-square-foot home under construction, she heard it come out of her own mouth. She was in her late forties. She'd been running a successful sales training business. And an energy healer had just told her she was afraid of success. Now she understood why — she unconsciously believed that if people perceived her as successful, they'd think she was a crook. Working through that belief took over a decade. But it was the foundation for everything that followed — including surviving the hardest financial season of her life. When COVID hit, every client paused. Her husband's company closed simultaneously. Two kids in college. Zero income. She burned through savings, spent tens of thousands on three coaches, and spent seven days a week for months rebuilding her entire business from live to digital — at 59 years old. GuestConnie Whitman is the CEO of Changing the Sales Game, a four-time #1 International Best-Selling author, speaker, and podcast host with over 25 years of experience helping business owners, leaders, and sales teams build powerful organizations. Her signature ESP (Easy Sales Process) framework teaches heart-centered selling through improved communication skills. She hosts the podcasts Changing the Sales Game and Enlightenment of Change. Connect with ConnieWebsite: https://changingthesalesgame.comLinkedIn: https://www.linkedin.com/in/conniewhitmanInstagram: https://www.instagram.com/conwhitman/Facebook: https://www.facebook.com/WhitmanAndAssociatesTwitter/X: https://twitter.com/Connie_WhitmanResourcesFree Communication Style Assessment (gift for listeners): https://changingthesalesgame.mykajabi.com/communication-style-assessment ESP (Easy Sales Process): 7 Steps to Sales Success by Connie WhitmanPodcast: Changing the Sales Game — search on your favorite platformPodcast: Enlightenment of Change — search on your favorite platform

    Big House. Must Be a Crook. Where Did That Come From?

  5. Aug 29

    I Was So Focused on the Money, I Almost Lost My Health

    Imagine waking up one morning barely able to move — shivering, sweating, unable to swallow — and realizing the first thing you're calculating isn't how to get better. It's how much money you're going to lose by not showing up to work. At some point you've probably asked: What's the point of making money if my body is falling apart to make it? And when did the hustle stop feeling like freedom and start feeling like a trap I can't get out of? Dominique Jeffries grew up in Louisville, Kentucky as the baby of the family — but you wouldn't know it from how she acted. At ten years old, she was secretly saving her lunch money and slipping it back into her mother's wallet, convinced the family didn't have enough. Her mother reassured her they were fine. But the belief had already taken root: there's not enough, so sacrifice. She moved to Miami to model. When the income wasn't consistent enough, she picked up restaurant work — and then couldn't stop. Double shifts, ballet flats, red lipstick, racing from 10 AM to 11 PM. Saving every dollar. Never slowing down. Until one night after a double shift, a scratch in her throat became a severe UTI that nearly spread to her kidneys. She was barely able to text her sister for help. And lying in bed, too sick to move, her first thought was: how do I make up the money I'm going to miss? That was her turning point. She said a prayer: she wanted work with no ceiling, no clock-in, no physical toll. She set a deadline — by March, she'd be done with the restaurant. She didn't know how. Then the pandemic hit, and the restaurant closed. The very thing she feared became the opening she needed. During lockdown, her sister introduced her to Purium — an organic superfood company with a network marketing model. Dominique jumped in with no experience and no hesitation. The nutrition changed her body. The business changed her finances. And for the first time in years, she says, she could dream again. Mental clarity returned. Her intuition came back online. She started sharing it with her parents in Kentucky, her friends, strangers — and watching their lives shift too. GuestDominique Jeffries is a mentor and entrepreneur passionate about helping women reclaim their health, wealth, and purpose through holistic nourishment and community. After years of overworking in pursuit of financial security, a health wake-up call led her to align her work with wellness and fulfillment. Through her business in organic nutrition with Purium and her mentorship work, she guides women in creating residual income rooted in balance, purpose, and impact. Connect with DominiqueWebsite: https://niquejeffries.my.canva.site/Instagram: https://www.instagram.com/niquejeffriesFacebook: https://www.facebook.com/dominique.jeffries.9LinkedIn: https://www.linkedin.com/in/dominique-jeffries-42425a84/ResourcesShop Purium superfoods + connect with Dominique (includes $50 gift card off your first order): https://ishoppurium.com/getnews?giftcard=niqueDM Dominique on Instagram to connect, share your story, or learn more about the business

    I Was So Focused on the Money, I Almost Lost My Health

  6. Aug 22

    I Grew Up Where Matching Your Outfit Made You Fancy

    Imagine growing up on a remote island in rural Alaska — where if your outfit matched, people thought you were showing off. Where survival wasn't a metaphor. Where your grandfather lived on a floathouse and float planes brought food twice a year. And where the lesson you absorbed before you even had words for it was this: money is for survival, not ego. At some point you've probably asked: What does it mean to be truly successful — not just financially, but as a person? And what do you do when the career you spent twelve years building starts to feel like it's slowly hollowing you out? Carrie Williams grew up in Ketchikan, Alaska — a town of twenty thousand where everyone knew everyone and resilience wasn't a buzzword, it was the baseline. She graduated on a full academic scholarship, moved to Los Angeles to become an actor, and quickly discovered that someone had to pay the rent. So she pivoted to casting — spending twelve years watching hundreds of actors audition, saying no without explanation, and slowly realizing that the part of her work she loved most wasn't finding talent. It was unlocking it. She began mentoring actors who had stopped booking. Then freelancers who wanted to start businesses. Then she asked herself the obvious question: Is this a job? It turns out it was. It was called coaching. So she went back to school — full time, while still working full time — got her evidence-based ICF certification, and eventually became one of fewer than 35 coaches in the U.S. to hold both the MCC and ACTC credentials. The financial transition was real. She took a significant pay cut leaving casting. She was honest about it: she had a husband with a steady income who believed in her, and that runway made the difference. Today, when she works with business owners making the same leap, the first question she asks is: What's your runway? Not just financial — but emotional. How long can you go without immediate gratification? Because in business, it doesn't come fast. Her definition of success has shifted completely. It used to be the finish line — the title, the award, the letters after her name. Now it's the ripple effect. "Success to me is not just how far I lift myself up," she says. "It is how uplifted people feel because of their connection with me." And the final piece, she adds, is integrity — doing what you say you'll do, and cleaning up honestly when you can't. GuestCarrie Williams, MCC, ACTC is a best-selling author, executive coach, and founder of RainShadow Coaching. One of fewer than 35 coaches in the U.S. with both ICF's MCC and ACTC credentials, Carrie's ALL IN Mindset™ and Spectrum of Willingness™ frameworks equip leaders to reduce stress, build resilience, and drive results. Former ICF LA president and dynamic keynote speaker. Connect with CarrieWebsite: https://www.rainshadowcoaching.comLinkedIn: https://www.linkedin.com/in/carriewilliamscoachFacebook: https://www.facebook.com/carrie.r.williamsResourcesFree 30-minute conversation with Carrie — book at https://carriewilliams.as.me/30min-RainShadowPositivity by Barbara FredricksonMindset by Carol DweckPositive Intelligence (PQ) methodology — positiveIntelligence.com

    I Grew Up Where Matching Your Outfit Made You Fancy

  7. Aug 15

    I Volunteered to Lose My Job.

    Imagine calling your manager and asking to be laid off. You're the primary breadwinner for a family of six. Two kids in college. And you're volunteering to walk away — with no plan, no next step, nothing but a severance package and a gut feeling that staying would break you completely. At some point you've probably asked: What do I do when the career I built my identity around stops feeling like me? When did success start feeling like a costume I can't take off? And what does it even mean to start over when you've been achieving since you were fourteen? Tracy Hill grew up solidly middle-class, watching her mother — a computer systems analyst — handle every penny with precision, and her father — a cartoonist who drew for Playboy and The New Yorker for forty years — ride the creative ebb and flow. She inherited her mother's drive and her father's love of beauty. By fourteen she was already working. By her twenties she was climbing in commercial real estate. By midlife she was a Fortune 500 marketing executive, global product marketer, primary breadwinner — and completely numb. When layoffs came during COVID, colleagues called her crying. She felt something she wasn't expecting: envy. Not of their job loss — but of their freedom. So she called her manager and asked to be on the list. She leapt with a severance package and no net. What she did next surprised even herself. She sat still. She went to her back deck and listened. For the first time in decades, she heard birds — really heard them. Cardinal. Bluebird. Robin. And as the stillness deepened, she began to come alive again. She started noticing what she loved: beauty, in every form. A sunset. A beautiful notebook. A meaningful conversation. She started searching for what she called her "beautiful fixes" — small moments of awe that would lift her out of the numbness. That search became A Beautiful Fix — now a top 5% globally ranked podcast, streamed in over 40 countries. Tracy Hill is the creator of A Beautiful Fix, a top 5% globally ranked podcast and movement born from her own midlife unraveling, now streamed in over 40 countries and 500+ cities worldwide. A former Fortune 500 marketing executive, Tracy now guides women through their own reinvention using Human Design, soul-led retreats, and radical honesty. Her mission: help women stop searching outside themselves and start trusting the wisdom within. Connect with TracyWebsite: https://www.abeautifulfix.comInstagram: https://www.instagram.com/abeautifulfix/Facebook: https://www.facebook.com/abeautifulfixLinkedIn: https://www.linkedin.com/in/tracyehill/ResourcesA Beautiful Fix PodcastFree Human Design ChartFree ResourceSoul-led retreats — follow Tracy on Instagram for upcoming dates

    I Volunteered to Lose My Job.

  8. Aug 10

    I Didn't Know Who I'd Be on the Other Side.

    Imagine being twenty-five years into a marriage and then finding yourself standing at the edge of a choice you never thought you'd have to make. Not because you stopped caring. But because your body had been telling you something for years that your mind refused to hear. At some point you've probably asked: How do I trust myself when everything inside me is at war? And what happens to your identity when the life you knew is no longer the life you're living? Heather Sloan didn't see her divorce coming. After twenty-five years of marriage, two children, and a deep faith life, she found herself in what she now calls liminal space — that terrifying in-between where the old life is ending and the new one hasn't yet revealed itself. Her body knew the truth before her mind would accept it. Physical symptoms, sleeplessness, a fight-or-flight state that wouldn't calm — her body was sending signals she had been trained, through a lifetime of faith and self-sacrifice, to override. The night she finally moved out of the family home, a health issue that had plagued her for two years resolved itself overnight. Her body's message was clear: finally. You're listening. What she discovered in that season of outer chaos and inner transformation became the foundation of her book, Tour de Force: Emerge from the Split with Grace and Grit — a navigational guide for women going through divorce. Drawing on spiritual practices, the research of Brené Brown, and her own training Heather shares practical tools: discernment skills for decision-making, a simple daily review practice for building self-awareness, and a reframe of boundaries that stopped her cold — the most compassionate people, research shows, have the strongest boundaries. Her message to anyone in the middle of it right now: I'm sorry, because I know it's hard. And also — congratulations. There is a beautiful life waiting on the other side. You don't have to be able to imagine it yet. Just hold on to the hope that others are holding out for you. Keep looking for the lights you can see. Take the next step. Guest Heather Sloan is an author, coach, and spiritual director trained through SoulFormation's Academy of Spiritual Formation and School of Spiritual Direction. Educated at Westmont College and The Johns Hopkins University School of Nursing, she has worked as a public health nurse and Peace Corps Volunteer. She is the author of Tour de Force: Emerge from the Split with Grace and Grit, a practical guide for women navigating divorce. Connect with HeatherWebsite: https://www.theheathersloan.comInstagram: @theheathersloanFacebook: https://www.facebook.com/profile.php?id=61573971909851ResourcesTour de Force: Emerge from the Split with Grace and Grit by Heather SloanFree Divorce Prep Checklist.Divorce Gift Kit (book, journal, candle, chocolates + personal note):Previous episode with Heather Sloan

    I Didn't Know Who I'd Be on the Other Side.
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About

Making Change with Your Money is the go-to podcast for women in midlife experiencing major life transitions and ready to transform their relationship with money. Hosted by Laura Rotter, CFA, CFP®—a financial advisor and Founder of True Abundance Advisors—this podcast features intimate conversations with women who have successfully navigated career changes, divorce and financial independence, retirement planning, entrepreneurship, and complete life reinvention. Every episode explores both the practical side of financial planning for women and the deeper inner work around money mindset, worthiness, and values-based living. From healing financial trauma to building sustainable businesses, from leaving corporate careers to investing with confidence, these stories provide both inspiration and actionable financial guidance. Whether you're contemplating a career pivot, managing an inheritance, recovering from divorce, or simply feeling that there must be more to life than the relentless pursuit of more—this podcast will help you use your resources (money, time, energy, and talent) to create a life of meaning and purpose. Laura brings her Wall Street experience, mindfulness practice, and financial life planning expertise to help listeners understand that true abundance isn't about the numbers in your account—it's about the freedom to live authentically. Perfect for: Women over 40, midlife career changers, recent divorcées, pre-retirees, women entrepreneurs, and anyone questioning whether they're worthy of pursuing their heart's desires. Topics include: Financial planning, money mindset, career transitions, retirement alternatives, divorce and money, women's financial empowerment, entrepreneurship, investing, financial therapy, values-based financial planning, and life reinvention.

Information

  • Creator
    Laura Rotter, CFA, CFP® | Financial Advisor for Women in Midlife Transitions
  • Years Active
    2023 - 2026
  • Episodes
    137
  • Rating
    Clean
  • Copyright
    © 2026 Laura Rotter, CFA, CFP® | Financial Advisor for Women in Midlife Transitions
  • Show Website
    Making Change with your Money

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