Financial Reset with The Finance Angel

Katelyn Angel | The Finance Angel
  • 5.0 (1)
  • Self-Improvement
  • Updated Weekly

Money stuff feels heavy, but it doesn't have to stay that way. Financial Reset with The Finance Angel is your judgment-free space to talk about the psychology behind our money habits: the shame, the anxiety, the self-sabotage, and the mindset shifts that actually stick. New episodes every Wednesday and Friday, plus a monthly true-crime money deep dive with Money, Power & Patterns. You're in the right place, bestie. Find your favorite platform to start listening at thefinanceangel.org/podcast.

  1. Sep 30

    Episode 33: When Spending Is Emotional

    Ever caught yourself thinking "I'm already broke, might as well buy it?" You're not alone, and you're definitely not broken. This week we're talking about the emotional side of spending: the shame spirals, the "responsible on paper but drowning underneath" feeling, and why willpower alone was never going to fix this. I also get vulnerable about my own money story… specifically the "future me will figure it out" mindset I had with my student loans back in undergrad, and the very real math lesson double-digit interest rates taught me later. 💸 We're pushing back on the idea that emotional spending is just a discipline problem, and talking through what actually helps. Including when it might be time to loop in a licensed therapist alongside your financial reset. 💛 You are allowed to grieve a hard financial season. You are also allowed to be proud of how far you've already come. 🎁 Grab my FREE Financial Reset Starter Guide: https://us.bigin.online/org927659317/forms/free-financial-workbook-download-and-email-signup 💌 Got a money question for a future episode? Submit it here — no judgment, ever: https://forms.gle/HFAsbQut3VMgACUV7 🛍️ Shop templates & tools: https://thefinanceangel.org/shop ☕ Support the podcast: https://thefinanceangel.gumroad.com/coffee 🌐 All the links, all the places: https://thefinanceangel.org/connect 📱 Instagram & TikTok: @the.finance.angel 📚 Research & references used in this episode: 988 Suicide & Crisis Lifeline — free, confidential support by call or text, 24/7: 988lifeline.org Psychology Today Therapist Finder — for listeners seeking a licensed therapist: psychologytoday.com/us/therapists Consumer Financial Protection Bureau — how student loan interest capitalization works: consumerfinance.gov Association for Financial Counseling & Planning Education (AFCPE) — financial-trauma-informed counseling resources: afcpe.org 💛 Your spending patterns don't make you a bad person. New episodes every Wednesday, with Money, Power & Patterns dropping the first Friday every other month. (Next 10/2/2026)

    Episode 33: When Spending Is Emotional

  2. Sep 23

    Episode 32: ADHD & Money (Why Consistency Feels Impossible)

    Ever download a budgeting app with the BEST intentions… use it beautifully for nine days… and then just stop? No drama, no big trigger…  you just stopped? 💛 This one's for you. In this episode of Financial Reset with The Finance Angel, Katelyn is talking ADHD and money – the dopamine-chasing spending cycles, the "I'd rather be broke than ask for help" pride spiral, and why consistency can feel like an uphill battle even when you want it so badly. Spoiler: it's not a willpower problem. It's brain chemistry. 🧠✨ What we cover: 💸 Why ADHD brains are wired to chase immediate reward over long-term goals 😮‍💨 A personal story about the first time my spending caught up with me 🚫 The common budgeting advice I don't fully agree with (hint: stop forcing yourself into a template that doesn't fit) ✅ The 3 categories to start with when every other system has failed you: income, expenses, and savings & extra debt payments 🔁 Why your "reset" doesn't have to mean starting completely over 🫶 A reminder that some of this struggle is structural, not just personal – and that matters Mentioned in this episode: 💰 Rocket Money – the app I currently use to see what's actually "safe" to spend based on my recurring expenses: https://rocketmoney.com/join/fQmv6mXCLR 📌 New episodes every Wednesday, with Money, Power & Patterns dropping the first Friday every other month. (Next 10/2/2026) 🎁 Grab my FREE Financial Reset Starter Guide: https://us.bigin.online/org927659317/forms/free-financial-workbook-download-and-email-signup 💌 Got a money question for a future episode? Submit it here – no judgment, ever: https://forms.gle/HFAsbQut3VMgACUV7 🛍️ Shop templates & tools: https://thefinanceangel.org/shop ☕ Support the podcast: https://thefinanceangel.gumroad.com/coffee 🌐 All the links, all the places: https://thefinanceangel.org/connect 📱 Instagram & TikTok: @the.finance.angel 📚 Research & references used in this episode: Frontiers in Psychology (2021) – ADHD adults & delay discounting/immediate reward preference: tiimoapp.com/fr/resource-hub/impulse-buying-adhd Weller et al. (2021) – ADHD adults up to 5x more likely to develop problematic money habits under stress/boredom: tiimoapp.com/resource-hub/impulse-buying-adhd University of Cambridge / Monzo research – ADHD adults face ~£1,600/year in added costs; 80% of women report ADHD-related money anxiety: psychiatry.cam.ac.uk/news/hidden-cost-adhd-how-attention-challenges-impact-financial-wellbeing Bangma et al. (2020) – ADHD symptoms, impulsive buying & avoidant financial decision-making in 1,200+ adults Dr. Russell Barkley – research on ADHD's financial consequences in young adults: simplypsychology.org/?p=95485 💛 You are not broken. You are not lazy. Your brain just needs a system that works with it. See you next Wednesday.

    Episode 32: ADHD & Money (Why Consistency Feels Impossible)

  3. Sep 16

    Episode 31: How Buy Now, Pay Later Can Slowly Destroy Your Finances

    Okay be honest with me… have you ever looked at your bank account and thought "wait, that's not right," scrolled back, and found four or five little Klarna/Afterpay/Sezzle charges that all hit the same weekend? 😅 If so, you are SO not alone, and this episode is for you. This week we're talking about buy now, pay later, and why something that feels so small and harmless at checkout can quietly become one of the most disorienting things in your financial life. Because BNPL doesn't ask you to think about your total balance. It only ever asks about the payment in front of you, right now. So you end up with five or six little installment plans stacked on top of each other, none of them talking to each other... until payday, when your paycheck is suddenly a lot smaller than you thought. 💸 This one is personal for me. I used to use BNPL for pretty much everything, and I wasn't tracking what I owed across all the different apps. I regularly ended up with little to no money to actually live on, and it took me a long time to realize the low-grade dread I was carrying was financial anxiety, coming directly from not knowing what I owed. I've since broken that cycle (slowly, imperfectly, and it took longer than I wanted it to), and I feel more stable than I have in a long time…  not because I have more money, but because I finally have visibility. We also get into the messaging around BNPL as a "smart budgeting tool", and why I actually disagree with that framing when it comes to wants, while holding space for the reality that for some people, BNPL is genuinely how groceries get bought this month. That's structural, not a character flaw, and it deserves to be talked about honestly. What we cover in this episode: 🔹 How the BNPL "loan stacking" cycle actually works (and why it's built that way) 🔹 My own experience losing track of BNPL payments, and the financial anxiety I didn't have a name for yet 🔹 Why I push back on the "BNPL is a budgeting tool" narrative 🔹 The real distinction: not whether you use BNPL, but why, and whether you can see the whole picture 🔹 A step-by-step way to audit every active BNPL plan you have 🔹 Why breaking this habit takes time, and why that's okay If any part of this hit close to home,  I hope it also reminded you that this is one of the easiest cycles to fall into, and that noticing it is already the hardest part done. 💛 🎧 LISTEN NOW: Spotify → https://open.spotify.com/show/2LW5XQLrnEnqD0mGdXszR1 Apple Podcasts → https://podcasts.apple.com/us/podcast/financial-reset-with-the-finance-angel/id1885621115 All platforms → https://thefinanceangel.org/podcast 📖 FREE Financial Reset Starter Guide → https://us.bigin.online/org927659317/forms/free-financial-workbook-download-and-email-signup 💬 Submit a listener question → https://forms.gle/HFAsbQut3VMgACUV7 ☕ Love the podcast? Support the show → https://thefinanceangel.gumroad.com/coffee 🛍️ Visit the shop → https://thefinanceangel.org/shop 📲 All socials & contact → https://thefinanceangel.org/connect ⚠️ Disclaimers → https://thefinanceangel.org/disclaimers 📚 REFERENCES & RESOURCES FOR LISTENERS: → CFPB - The Buy Now, Pay Later Market (2025 report): consumerfinance.gov  → CFPB "loan stacking" data via Consumer Financial Services Law Monitor: consumerfinancialserviceslawmonitor.com  → LendingTree - BNPL Tracker (Matt Schulz): lendingtree.com  → Richmond Fed - Buy Now, Pay Later: Recent Developments and Implications: richmondfed.org New episodes of Financial Reset with The Finance Angel drop every Wednesday. This podcast is for educational purposes only and is not financial, medical, or legal advice. See full disclaimers at thefinanceangel.org/disclaimers

    Episode 31: How Buy Now, Pay Later Can Slowly Destroy Your Finances

  4. Aug 28

    Episode 30: Emergency Funds When Your Emergency is Ongoing

    Let's be honest… the standard emergency fund advice was not written for people whose emergency never really ends. "Save three to six months of expenses." "Only touch it for true emergencies." Great advice in theory. But when you're living with a chronic illness, a recurring health condition, or ongoing medical needs, that framework starts to crack. Because when your "emergency" is just... Wednesday? You need a different plan. In this episode, we're getting real about what emergency savings actually look like when your body doesn't follow the rulebook. We're talking about the shame spiral that comes with watching your carefully built savings drain month after month, why your recurring health costs do NOT belong in your emergency fund, and how to build something that actually works for your real life, not someone else's. This one is personal. I've been in the place where my FSA was fully spent and every extra dollar was going straight to medical needs just to function. And I want you to know: if things go sideways during a health episode, that is not failure. That is just what happens sometimes. You rebuild. Slowly. Compassionately. One transfer at a time. 💛 What we cover in this episode: 🔹 Why traditional emergency fund advice doesn't account for chronic life 🔹 The difference between recurring health costs and true emergencies 🔹 How to build a medical float (separate from your emergency fund) 🔹 Why I keep my emergency fund at a completely different bank 🔹 The emotional weight of spending more on healthcare than your peers 🔹 A realistic, compassionate action plan you can start today You are worth every single dollar that goes toward your care. Let's build something that reflects that. 💚 🎧 LISTEN NOW: Spotify → https://open.spotify.com/show/2LW5XQLrnEnqD0mGdXszR1 Apple Podcasts → https://podcasts.apple.com/us/podcast/financial-reset-with-the-finance-angel/id1885621115 All platforms → https://thefinanceangel.org/podcast 📖 FREE Financial Reset Starter Guide → https://us.bigin.online/org927659317/forms/free-financial-workbook-download-and-email-signup 💬 Submit a listener question → https://forms.gle/HFAsbQut3VMgACUV7 ☕ Love the podcast? Support the show → https://thefinanceangel.gumroad.com/coffee 🛍️ Visit the shop → https://thefinanceangel.gumroad.com 📲 All socials & contact → https://thefinanceangel.org/connect ⚠️ Disclaimers → https://thefinanceangel.org/disclaimers 💸 Open a HYSA with Ally → https://ally.com/referral?code=8S5K4T2B9J 📚 REFERENCES & RESOURCES FOR LISTENERS: → Endometriosis Foundation of America: endofound.org → CFPB – Emergency Savings Guidance: consumerfinance.gov → Patients Rising (patient advocacy & cost resources): patientsrising.org → HealthCare.gov – FSA Information: healthcare.gov → The Spoon Theory by Christine Miserandino: butyoudontlooksick.com → NerdWallet – Best High-Yield Savings Accounts: nerdwallet.com New episodes of Financial Reset with The Finance Angel drop every Wednesday & Friday. This podcast is for educational purposes only and is not financial, medical, or legal advice. See full disclaimers at thefinanceangel.org/disclaimers

    Episode 30: Emergency Funds When Your Emergency is Ongoing

  5. Aug 26

    Episode 29: Why You Still Feel Broke No Matter How Much You Make

    💸 Ever gotten a raise and thought, "okay, NOW things are going to be different"... only to find yourself wondering where all the money went a few weeks later? Yeah. We need to talk about that. In today's episode, we're getting into one of the most frustrating (and most common) money experiences out there: feeling broke no matter how much you make. And friend, if that sentence hit you somewhere deep, this episode was made for you. We're breaking down the real reasons your income keeps disappearing before you can do anything meaningful with it, and spoiler alert: it has nothing to do with being bad with money or not working hard enough. It has everything to do with lifestyle creep, invisible money leaks, and spending that hasn't been intentionally lined up with the life you actually want. In this episode, we cover: ✨ What lifestyle creep is and why it's so sneaky (hint: it doesn't feel like a problem when it's happening) ✨ The psychology behind why more money doesn't automatically mean more freedom… hedonic adaptation is a real thing ✨ How your money might be doing things without your permission. Hello, forgotten subscriptions ✨ Why the feeling of "broke" is data, not your identity ✨ A simple reset framework to get your spending back in alignment ✨ The emotional side of overspending and what it's actually telling you This is your reminder: you are not broken. Your budget might just need a reset. And that is 100% fixable. 💛 New episodes of Financial Reset with The Finance Angel drop every Wednesday and Friday – subscribe so you never miss one! 🔗 LINKS & RESOURCES 🎙️ All podcast links: https://thefinanceangel.org/podcast 📋 Free Financial Reset Starter Guide: https://us.bigin.online/org927659317/forms/free-financial-workbook-download-and-email-signup ❓ Submit a listener question: https://forms.gle/HFAsbQut3VMgACUV7 ☕ Support the podcast: https://thefinanceangel.gumroad.com/coffee 🛍️ Shop digital resources: https://thefinanceangel.org/shop 🤝 Work with me: https://thefinanceangel.org/services 📲 Find me everywhere: https://thefinanceangel.org/connect 📧 Say hi: hello@thefinanceangel.com ⚖️ Disclaimers: https://thefinanceangel.org/disclaimers 📚 REFERENCES & RESOURCES FOR LISTENERS Lifestyle Creep / Lifestyle Inflation – Investopedia: https://www.investopedia.comHedonic Adaptation – Greater Good Magazine (UC Berkeley): https://greatergood.berkeley.eduMoney & Emotional Spending – Financial Therapy Association: https://www.financialtherapy.orgPay Yourself First Budgeting – Fidelity: https://www.fidelity.comHow to Do a Spending Audit – NerdWallet: https://www.nerdwallet.comConsumer Financial Protection Bureau budgeting tools: https://www.consumerfinance.gov

    Episode 29: Why You Still Feel Broke No Matter How Much You Make

  6. Aug 21

    Episode 28: How Money Stress Is Quietly Affecting Your Mental Health

    🧠💸 Be honest... when was the last time your finances made you feel genuinely okay? Not just manageable, but actually okay? For a lot of us, money stress isn't a once-in-a-while thing. It's the 3am spiral. The stomach drop when you check your account. The smile you paste on at dinner while your brain is running numbers in the background. In Episode 28, we're going there – because the connection between your money and your mental health is real, it's documented, and it is absolutely not your personal failure. We talk about what financial stress actually does to your brain and nervous system, why shame keeps so many of us white-knuckling our situations alone, and the very real economic reality that people our age are up against: starter homes averaging over $300,000, wages that haven't kept pace, and a cost of living that makes "just budget better" genuinely insulting advice. We also cover what financial anxiety actually looks like day to day (hint: it's sneakier than you think), practical tools for moving through it, and a community idea I'd love your input on. 💛 ⚠️ If you or someone you know is struggling with their mental health, please call or text 988 – the Suicide and Crisis Lifeline is available 24/7. You are not alone, and we want you here. 🔗 LINKS & RESOURCES 🎙️ All podcast episodes: https://thefinanceangel.org/podcast 🎁 Free Financial Reset Starter Guide: https://us.bigin.online/org927659317/forms/free-financial-workbook-download-and-email-signup 🛍️ Template Shop: https://thefinanceangel.org/shop ☕ Support the podcast: https://thefinanceangel.gumroad.com/coffee 📩 Listener Question Form: https://forms.gle/HFAsbQut3VMgACUV7 🔗 All socials & contact: https://thefinanceangel.org/connect ⚖️ Disclaimers: https://thefinanceangel.org/disclaimers 📚 EPISODE REFERENCES & RESOURCES APA Stress in America Survey – apa.org/news/press/releases/stress Scarcity: Why Having Too Little Means So Much – Mullainathan & Shafir (2013) Affect Labeling Research – Torre & Lieberman (2018), Emotion Review Financial Therapy Association –  financialtherapyassociation.org 988 Suicide & Crisis Lifeline – call or text 988 | 988lifeline.org NAMI (National Alliance on Mental Illness) – nami.org NFCC (National Foundation for Credit Counseling) – nfcc.org CFPB Free Financial Tools – consumerfinance.gov New episodes drop every Wednesday & Friday – subscribe so you never miss one! 🤍

    Episode 28: How Money Stress Is Quietly Affecting Your Mental Health

  7. Aug 19

    Episode 27: Your Financial Reset: What Actually Changes When You Do The Work

    Here's something nobody really tells you when you start working on your finances: the first shifts you feel aren't in your bank account. They're in you. 💚 In this episode of Financial Reset with The Finance Angel, we're getting real about what actually changes when you do the work — not the highlight reel version, but the quiet, internal shifts that sneak up on you before the numbers ever catch up. I'm sharing something personal in this one 🙋 — how I went from using buy now, pay later for almost everything to it being completely a thing of the past. Getting to the other side of it changed how I relate to my money in a way I didn't expect. Less "wait, why is there $60 less in my account than yesterday?" 😅 More clarity. More peace. We're also into one of the biggest finance tips I push back on — the idea that you need to tackle everything at once to make real progress. Spoiler: you don't. Burnout is real, and we're not doing that here. 🙅 We're building something sustainable. And if you've been watching someone else hit a milestone that feels far away? This episode is for you. Your timeline is your own. Your chapter 3 is not their chapter 12. 💛 📌 In this episode: — What "doing the work" actually looks like — Why internal shifts come before external results — My personal BNPL experience (it was harder than expected 😬) — Why going full steam ahead often leads to burnout — Signs the work is working even when you can't see it yet 🔗 LINKS & RESOURCES 🎧 All Podcast Episodes: https://thefinanceangel.org/podcast 🎵 Spotify: https://open.spotify.com/show/2LW5XQLrnEnqD0mGdXszR1 🍎 Apple Podcasts: https://podcasts.apple.com/us/podcast/financial-reset-with-the-finance-angel/id1885621115 🛍️ Templates & Tools: https://thefinanceangel.gumroad.com 🎁 Free Financial Reset Starter Guide: https://us.bigin.online/org927659317/forms/free-financial-workbook-download-and-email-signup ☕ Support the Podcast: https://thefinanceangel.gumroad.com/coffee ❓ Submit a Listener Question: https://forms.gle/HFAsbQut3VMgACUV7 🌐 All Socials + Contact: https://thefinanceangel.org/connect 📋 Disclaimers: https://thefinanceangel.org/disclaimers 📚 REFERENCES Consumer Financial Protection Bureau — BNPL Research: consumerfinance.gov American Psychological Association — Financial Stress: apa.org National Endowment for Financial Education: nefe.org Investopedia — "Buy Now, Pay Later: What It Is, How It Works": investopedia.com "The Psychology of Money" — Morgan Housel New episodes of Financial Reset with The Finance Angel drop every Wednesday & Friday 🎙️ Subscribe so you never miss one! 💚

    Episode 27: Your Financial Reset: What Actually Changes When You Do The Work

  8. Aug 14

    Episode 26: Where Your Money Is Actually Going (And Why You Feel Out of Control)

    Have you ever gotten paid and felt dread instead of relief? Like the money hit your account and you almost didn't want to look at it – because somewhere, deep down, you already knew it would be gone before you could blink? Yeah. Me too. And in this episode, we're finally talking about it. Episode 26 of Financial Reset with The Finance Angel is all about the financial audit – not the scary, spreadsheet-induced kind, but the kind that actually helps you understand the story your money is telling about your life. We're going section by section through your spending, sitting with how each expense makes you feel, and asking the real question: does this align with who I actually am right now? I'm sharing my own experience going from paycheck-to-negative every single month – Starbucks every morning, forgotten subscriptions, lashes, food delivery, Buy Now Pay Later plans, all of it – and how taking a psychology of money course cracked something open for me that no budget spreadsheet ever could. My audit is still ongoing (and probably always will be), but I am no longer making money decisions from a place of anxiety. And that shift changed everything. We also talk about why cutting out ALL your fun spending in the name of debt payoff is a recipe for burnout – and why celebrating your progress, even with just $20 or $30, is not irresponsible. It's how you actually make lasting change. In this episode: Why payday anxiety is a thing (and what it's really telling you) How to approach your finances by sections of your life instead of one overwhelming number The values alignment check: does this expense actually reflect who you are? Why rewards and self-celebration are part of your financial strategy, not opposed to it Three action steps you can take this week without spiraling This is your permission slip to look at your money – with curiosity, with kindness, and without shame. 🎧 LISTEN & SUBSCRIBE Spotify: https://open.spotify.com/show/2LW5XQLrnEnqD0mGdXszR1 Apple Podcasts: https://podcasts.apple.com/us/podcast/financial-reset-with-the-finance-angel/id1885621115 Amazon Music: https://music.amazon.com/podcasts/b7811bde-0d8f-4024-8e5f-6b8c6a2719b2/financial-reset-with-the-finance-angel iHeart: https://www.iheart.com/podcast/269-financial-reset-with-the-f-327055581 Goodpods: https://goodpods.com/podcasts/financial-reset-with-the-finance-angel-725973 All podcast links: https://thefinanceangel.org/podcast 📩 FREE FINANCIAL RESET STARTER GUIDE https://us.bigin.online/org927659317/forms/free-financial-workbook-download-and-email-signup 🛍️ TEMPLATE SHOP https://thefinanceangel.gumroad.com ☕ SUPPORT THE PODCAST https://thefinanceangel.gumroad.com/coffee 📬 SUBMIT A LISTENER QUESTION https://forms.gle/HFAsbQut3VMgACUV7 🔗 ALL SOCIAL MEDIA & CONTACT INFO https://thefinanceangel.org/connect 📋 SERVICES https://thefinanceangel.org/services ⚠️ DISCLAIMERS https://thefinanceangel.org/disclaimers 📚 REFERENCES & RESOURCES Housel, Morgan. The Psychology of Money: Timeless Lessons on Wealth, Greed, and Happiness. Harriman House, 2020. Klontz, Brad, et al. Mind Over Money: Overcoming the Money Disorders That Threaten Our Financial Health. Crown Business, 2009. Sethi, Ramit. I Will Teach You to Be Rich. Workman Publishing, 2019. NerdWallet – Budgeting & Spending Tracker Tools: https://www.nerdwallet.com Consumer Financial Protection Bureau – Free Budgeting Resources: https://www.consumerfinance.gov Psychology Today – Financial Anxiety & Avoidance: https://www.psychologytoday.com

    Episode 26: Where Your Money Is Actually Going (And Why You Feel Out of Control)
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Money stuff feels heavy, but it doesn't have to stay that way. Financial Reset with The Finance Angel is your judgment-free space to talk about the psychology behind our money habits: the shame, the anxiety, the self-sabotage, and the mindset shifts that actually stick. New episodes every Wednesday and Friday, plus a monthly true-crime money deep dive with Money, Power & Patterns. You're in the right place, bestie. Find your favorite platform to start listening at thefinanceangel.org/podcast.

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