146 episodes

Is money (or lack thereof) keeping you from fully enjoying your life? Are the stories you tell yourself preventing you from improving your money mindset and having a better relationship with your finances? Join Keina Newell of Wealth Over Now on Money Files: your financial toolkit and a place to start working on your money mindset, learn new financial concepts, and hear candid conversations from her clients who have been right where you are and are on the other side. If you are ready to start your financial journey, head to www.wealthovernow.com and subscribe for new episodes each week.

Money Files: Wealth Over Now Keina Newell

    • Business
    • 4.8 • 18 Ratings

Is money (or lack thereof) keeping you from fully enjoying your life? Are the stories you tell yourself preventing you from improving your money mindset and having a better relationship with your finances? Join Keina Newell of Wealth Over Now on Money Files: your financial toolkit and a place to start working on your money mindset, learn new financial concepts, and hear candid conversations from her clients who have been right where you are and are on the other side. If you are ready to start your financial journey, head to www.wealthovernow.com and subscribe for new episodes each week.

    116 | Financial Spring Cleaning: Planning Your Vacation Budget for the Next 90 Days

    116 | Financial Spring Cleaning: Planning Your Vacation Budget for the Next 90 Days

    Budgeting isn't just about paying bills. It's about understanding your spending patterns and making informed decisions. Our spending habits shift with the seasons. With warmer weather comes the temptation to indulge in outdoor activities, dining out, and vacations.

    In today's episode, I share how to create a 90-day financial plan so you can vacation without stressing over your finances. Looking at your calendar and estimating costs for upcoming travel and holidays allows you to anticipate spikes in spending so you can feel in control. Predicting vacation expenses like eating out, hotels, gas money, and souvenir shopping gives a realistic expectation of your spending so you can make informed choices.

    By taking a proactive approach to budgeting, you'll enjoy your vacations without the post-trip financial hangover! 

    Stay tuned for insights on these topics:


    [01:20] Money has seasons
    [03:45] Vacation planning
    [04:50] 90-day travel plan
    [09:00] Expenses to plan for
    [13:30] Consider overspending opportunities

    Tune into this episode of Money Files to learn how a 90-day travel budget plan allows for drama-free vacation spending!

    Get full show notes and the episode transcript: https://wealthovernow.com/financial-spring-cleaning-planning-your-vacation-budget-for-the-next-90-days/

    Links mentioned in this episode…

    Set up a call | Financial Coach Washington, DC | Wealth Over Now

    • 16 min
    115 | 5 Smart Financial Moves to Make Home Buying Easier

    115 | 5 Smart Financial Moves to Make Home Buying Easier

    Are you considering buying a home in 2024? Whether you are just starting to think about  buying a home or you’re already working hard to save a down payment, there are five essential steps you need to take before committing to a mortgage.

    This episode is part two of my financial spring cleaning series, and today, I want to focus on preparing to become a homeowner. From getting into the right mindset and overcoming money insecurities to exploring finance options, I share the five-part framework I used to buy my first home. Saving for a down payment is important, but there is so much else you need to do to prepare for homeownership. If buying a home is one of your goals in 2024, this episode is for you!

    Stay tuned for insights on these topics:

    [01:40] Shifting your mindset

    [05:30] Step 1: Create a budget of current expenses

    [06:20] Step 2: Create a home budget

    [10:20] Step 3: Explore financing options

    [13:25] Step 4: Build a relationship with a realtor

    [14:25] Step 5: Revisit your home budget

    Tune into this episode of Money Files to learn five essential steps you should take to prepare for homeownership.

    Get full show notes and the episode transcript: https://wealthovernow.com/5-smart-financial-moves-to-make-home-buying-easier/

    Links mentioned in this episode…

    Set up a call | Financial Coach Washington, DC | Wealth Over Now

    • 16 min
    114 | Financial Spring Cleaning: 4 Things You Should Do With Your Tax Refund

    114 | Financial Spring Cleaning: 4 Things You Should Do With Your Tax Refund

    I'm excited to kick off a special podcast series focusing on financial spring cleaning! Today, we're diving into a topic on everyone's mind this time of year – tax refunds. 

    Whether you've already filed your taxes or are still putting the pieces together, it's essential to think strategically about your tax refund. Putting your tax refund towards debt might feel good temporarily, but it's not a long-term solution. If it were effective, you wouldn't be back in the same debt cycle year after year. You need a better plan, and I'm here to guide you through it!

    In this episode, I outline four ways you can leverage your tax refund to set yourself up to meet your money goals in 2024. From how to create a zero-based budget to planning for upcoming expenses to investing in money management tools, I give you detailed, actionable steps to help you make real progress managing debt. (Hint - none involve paying off a credit card with your tax refund!) If you are ready to break the debt cycle and change how you think about and manage your finances, tune in to learn how your tax refund can be the first step toward achieving financial freedom.

    Stay tuned for insights on these topics:


    [01:30] Why you shouldn’t put your tax refund towards debt


    [03:15] 4 things to do with your tax refund


    [03:30] Outline a zero-based budget


    [06:12] 90-day financial forecast


    [12:00] Split refund up to hit multiple money goals


    [14:80] Invest in coaching



    Tune into this episode of Money Files to learn why you shouldn’t use your tax refund to pay off debt!

    Get full show notes and the episode transcript: https://wealthovernow.com/financial-spring-cleaning-4-things-you-should-do-with-your-tax-refund/

    Links mentioned in this episode…

    Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my free spending plan

    • 17 min
    113 | Why You Shouldn’t Depend on Payday

    113 | Why You Shouldn’t Depend on Payday

    Your financial well-being shouldn't hinge on your next paycheck. If you are potentially affected by the impending government shutdown or can't take time off of work because missing a pay cycle means you can't pay your bills, this episode is for you!

    If the thought of missing your next paycheck scares you, I want you to start prioritizing your financial health this year and start managing your money intentionally.  In this episode, I guide you through practical and actionable steps to break free from this cycle. From crafting a comprehensive budget to identifying essential expenses and establishing a robust emergency fund, I will help you create a future without financial anxiety.

    I might ruffle some feathers with this episode, but that's okay because discomfort often leads to positive change, and my message is an opportunity for you to get out of the paycheck to paycheck cycle. 

    Stay tuned for insights on these topics:

    [03:27] Stop quiet quitting

    [05:29] Implications of a government shutdown

    [10:58] You shouldn’t be living paycheck to paycheck

    [13:36] The difference a financial plan makes

    [16:16] Actionable steps to improve your financial health

    Tune into this episode of Money Files to learn how to break free of the paycheck-to-paycheck cycle and take control of your financial health!

    Get full show notes and the episode transcript: https://wealthovernow.com/why-you-shouldnt-depend-on-payday/

    Links mentioned in this episode…

    Set up a call | Financial Coach Washington, DC | Wealth Over Now

    • 24 min
    112 | Three Years Later With Jeanine: What Does Life Look Like After Financial Coaching

    112 | Three Years Later With Jeanine: What Does Life Look Like After Financial Coaching

    So many people hesitate to start working with a money coach because they fear their short-term progress will disappear once the coaching container is complete. But that's not true! I work with clients to make long-lasting changes in how they manage and think about their finances.

    In today's episode, I welcome Jeanine back to the podcast. She recaps how she has been managing her finances since working with me. During this client check-in we review Jeanine's current financial mindset, recent money wins, and permanent changes she has noticed in how she thinks about and manages her money. From candid stories about leveraging health insurance to pare down medical bills to thrifty tricks Jeanine adopted to help curb spending, this client recap is inspiring and relatable!

    If you're considering hiring a money coach but wonder about the long-term value, this episode is a must-listen. Jeanine's journey speaks volumes – she's bought a house and paid off debt while maintaining a healthy money mindset. Her story is a testament to the fact that the tools acquired through financial coaching are not just for the moment – they last a lifetime! So, let's dive in and discover the transformative power of investing in your financial well-being.

    Stay tuned to hear insights on these critical topics during this episode:

    [02:30] Reflecting on Jeanine’s money mindset after coaching

    [05:25] Which money management tactics Jeanine tried before coaching

    [16:55] Big financial wins for Jeanine 

    [23:25] Brining financial coaching tools into a relationship

    [25:15] Paying for coaching on a credit card

    [28:15] Impact of getting a financial coach’s perspective on spending and budgeting

    [30:22] How Jeanine’s made her money back from buying coaching

    Tune into this episode of Money Files to learn the lasting impact of financial coaching!

    Get full show notes and the episode transcript: https://wealthovernow.com/three-years-later-with-jeanine-what-does-life-look-like-after-financial-coaching/

    Links mentioned in this episode…

    Set up a call | Financial Coach Washington, DC | Wealth Over Now

    • 35 min
    111 | How Fake Math Is Killing Your Budget

    111 | How Fake Math Is Killing Your Budget

    We are not using fake math in 2024! In today's episode, I expose the pitfalls of using fake math (guesstimations) and how it kills your budget.

    The problem with fake math isn't about your ability to add or list out expenses. Fake math uses inaccurate numbers to estimate spending and causes you to leave money on the table. Whether it's incorrectly guessing grocery bills or overlooking occasional costs like hair appointments, small inaccuracies add up and destroy your budget. To spend drama-free, you must eliminate fake numbers from your budget and ensure every dollar is accounted for. 

    Are you ready to say goodbye to fake math and take control of your budget? Listen to learn how using real numbers will help you reach your money goals! 

    Stay tuned to hear insights on these critical topics during this episode:

    [01:00] What is fake math

    [05:00] Coaching away from using fake math

    [07:00] How to identify when you are using fake math and why you should avoid it

    Tune into this episode of Money Files to learn how fake math kills your budget!

    Get full show notes and the episode transcript: https://wealthovernow.com/how-fake-math-is-killing-your-budget/ 

    Links mentioned in this episode…

    Set up a call | Financial Coach Washington, DC | Wealth Over Now

    • 8 min

Customer Reviews

4.8 out of 5
18 Ratings

18 Ratings

Lolla30 ,

Satisfied

This podcast is completely satisfying in every aspect, hearing how much you care about your clients and what you do is inspirational ❤️❤️

Listener Sarah ,

Thankful!

I am so thankful I stumbled across Keina! Not only did I do the 5 month coaching partnership, I listen to the podcast each week (I look forward to listening while I get ready for work every Monday). I feel in control of my life now and it feels so good. Thank you for what you do Keina :)

Jay25627373& ,

Love this podcast!!!

Keina I appreciate you so much. This podcast has given me practical skills to advance my knowledge about money and wealth. Thank you thank you thank you!!!

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