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

Carolina Martinez ChFC® - Christian Financial Coach
  • 5.0 (44)
  • 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 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  Grab my  FREE financial freedom calculator  Connect with me on IG: @cashflowwithcarolina www.cashflowwithcarolina.com

  1. 3d ago

    24 | We've Made Money So Taboo It's Costing Us Everything Part 2

    We are back for part two and this is where it gets really good. Last week I shared the first two things that have completely changed the way I think about how I am stewarding my money as a busy mom. Today we are finishing the conversation with numbers three through five and honestly these are the ones that hit the hardest for me personally. I also share a story my pastor told me about two men and the way they held money that stopped me in my tracks. I think it is going to do the same for you. This one is honest, convicting, and deeply personal. I am not a theologian. I am just a wife and a mom who loves the Lord and is figuring this out right alongside you. FREE weekly newsletter FREE Cashflow Blueprint Guide FREE Financial Freedom Calculator Connect with me on Instagram www.cashflowwithcarolina.com 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. Jul 8

    23 | We've Made Money So Taboo It's Costing Us Everything Part 1

    This episode started as a message on my heart and turned into something I was not expecting because the Lord just lit a fire under me as I was recording it. We have made money so taboo, so off limits, so uncomfortable to talk about and I think it has created the exact opposite of what God intended. Because when we refuse to talk about money, we end up holding it tighter. And when we hold it tighter, we accidentally keep the Lord out of our finances altogether. In part one of this two part episode, I am sharing the first two of five things that have completely changed the way I think about biblical stewardship. This one got real fast. And I think it is going to hit home for you. Part two drops next week. FREE weekly newsletter FREE Cashflow Blueprint Guide FREE Financial Freedom Calculator Connect with me on Instagram www.cashflowwithcarolina.com 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. Jul 1

    22 | A Conversation With My Husband About Money Part 2

    Part two of my conversation with my husband is here and this one gets really good. We are talking about how getting our finances in order completely changed our marriage, our faith, and even his perspective on his career as a police officer. He shares what it actually feels like to not have to chase overtime shifts just to cover the bills and what it means to finally have options instead of obligations. We also get into some of our favorite spontaneous giving moments, what we are teaching our boys about money that nobody ever taught us, and what stewardship means in his own words. This one is honest, a little deep, really funny, and one of my favorite conversations we have ever had. We pray you are blessed by it. FREE weekly newsletter FREE Cashflow Blueprint Guide FREE Financial Freedom Calculator Connect with me on Instagram www.cashflowwithcarolina.com 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. Jun 24

    21 | A Conversation With My Husband About Money Part 1

    You have heard me talk about my husband a lot on this podcast and today you finally get to meet him. In part one of this two part episode, we are having a conversation on our couch and he is sharing his side of our money story. We are talking about what money looked like growing up, how we each handled it before we got our crap together, and what it actually felt like to sit down for the first time and write out every single debt we owed 4 months into our marriage. He also shares what got him on board with our debt payoff journey practically overnight, how he turned paying off $87,000 into a competition he refused to lose, and what he would say to anyone who is feeling a little too relaxed about tackling their debt right now. Oh and we talk about the fully funded golf trip of a lifetime that happened earlier this month. Because that is what the other side of debt freedom actually looks like. This one is fun, honest, and a little bit hilarious. I think you are going to love him. Part two drops next week. FREE weekly newsletter FREE How $10 This Week Turns Into $20,000 By Their 18th Birthday FREE Cashflow Blueprint Guide FREE Financial Freedom Calculator Connect with me on Instagram www.cashflowwithcarolina.com 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. Jun 17

    20 | Why You Need to Start Investing Now + The Simple Framework to Do It

    I sat across from families who were burnt out, exhausted, and technically qualified for retirement but couldn't actually retire. And almost every single one of them said the same thing: I wish I had started paying attention sooner. That conversation lit a fire in me that has never gone out. And it is exactly why I am rattling you a little bit today (with so much love). In this episode I am sharing a personal story about black mold growing in our crawl space for an entire month while we were completely oblivious and why it is the perfect picture of what quietly happens to your finances when you are not paying attention. Then I am breaking down my simple three part framework for getting started: finding your financial freedom number, understanding which accounts are right for you, and funding them with investments that do the heavy lifting so your money can grow in the background of your very full life. You do not need to have it all figured out. You just need to start today. FREE weekly newsletter Join the waitlist for Investing Made Simple Group Coaching FREE Financial Freedom Calculator Connect with me on Instagram www.cashflowwithcarolina.com 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. Jun 10

    19 | 5 Habits To Help You Start Saving Money

    If saving has never really clicked for you, this episode is for you. And it's not because you lack discipline, but because nobody ever actually showed you how. In this episode I'm sharing five practical habits to help you start saving (maybe for the very first time) starting with the one question most financial content completely skips: your why. I'm opening up about my own story of spending every dollar I made in college, graduating with a finance degree and zero savings, and how everything changed when my husband and I finally got serious about our money. I'm also sharing the personal reason saving matters so deeply to me. Because habits without a strong enough reason don't stick. But when you know your why? Everything else starts to fall into place. FREE weekly newsletter Join the waitlist for Investing Made Simple Group Coaching Get started saving with Ally Bank FREE Financial Freedom Calculator Connect with me on Instagram www.cashflowwithcarolina.com 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. Jun 3

    18 | How to Set Big Money Goals Without Losing Your Peace

    What if the goals you have been too afraid to say out loud - paying off all your debt, going on a really nice vacation, retiring early - were not too big? What if they were actually placed there on purpose? In this episode I'm talking about how to set goals that are holy and ambitious at the same time and how to hold them with open hands without losing your peace in the process. We're covering why short term and long term goals require completely different postures, how to give every goal its own category so nothing is competing for your money, and why seventy percent of the information plus a step of faith is enough to start. Because God is not intimidated by your ambition. He created it. And your job is to plan faithfully and trust Him with the rest. Faith Family Finance: FREE weekly newsletter Join the waitlist for Investing Made Simple Group Coaching FREE Financial Freedom Calculator Connect with me on Instagram www.cashflowwithcarolina.com 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. May 27

    17 | You Made Good Money Last Year, So Why Does Debt Keep Winning?

    You looked at your tax return and your jaw dropped, not because the number was bad, but because it was really good. And then you looked at your bank account and something sank. You made good money. So where did it go? In this episode I'm having a real conversation with you - not a shaming one, but a big sister one. Because I want you to get angry. Not at yourself, but at your debt. There is a big difference. I'm sharing something personal that happened in my own business recently and why having no debt payments gave us a peace that no income level could have bought us. And then I'm giving you 5 real and tactical steps to actually do something about it today. Because you deserve to feel the money you make, not just see it on a tax return and wonder where it disappeared to. FREE weekly newsletter Join the waitlist for Investing Made Simple Group Coaching FREE Financial Freedom Calculator Investing Made Simple For Kingdom Women - use code PODCAST for $50 off (expires 5/31) Connect with me on Instagram www.cashflowwithcarolina.com 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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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 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  Grab my  FREE financial freedom calculator  Connect with me on IG: @cashflowwithcarolina www.cashflowwithcarolina.com

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