She spends, He saves, We Thrive

Sally F Phillips

She Spends, He Saves We Thrive-money harmony for opposites—the podcast where we help couples find money harmony, even when they see finances differently. We’re your hosts, Sally F. and Damon Phillips—a certified Christian Life Coach and a former financial advisor, married for over 30 years. We know firsthand that financial differences don’t have to mean financial conflict.

Episodes

  1. 08/06/2025

    Episode 10-What We Wish We Knew 30 Years Ago

    In this final episode of the season, Damon and Sally reflect on the lessons learned over the years, emphasizing the importance of communication, financial wisdom, and planning for the future. The conversation explores personal growth, the evolution of relationships, and the significance of taking small actionable steps towards achieving goals.

    15 min

  2. 07/30/2025

    Episode 9-Scarcity vs. Abundance-what's driving your money mindset?

    In this conversation, Damon and Sally explore the contrasting concepts of scarcity and abundance mindsets, discussing how these beliefs shape our financial security and emotional well-being. The dialogue emphasizes the importance of gratitude, generosity, and a positive mindset in navigating financial challenges. Through personal anecdotes and insights, the speakers highlight the need for a balanced perspective on money and the impact of mindset on overall happiness.

    16 min

  3. 07/16/2025

    Episode 8-The Money Retreat: The Yearly Habit That Keeps Us Aligned.

    In this episode, Sally and Damon discuss the importance of having intentional annual financial discussions in relationships, emphasizing the concept of 'money dates' where couples can review their financial situation, set goals, and plan for the future together. The dialogue highlights the need for proactive financial management, the significance of aligning financial visions, and the benefits of regular communication about money matters.

    13 min

  4. 06/25/2025

    Episode 7-Episode 7-Partner are for Dancing-lessons from our entrepreneurial adventures

    In this conversation, Sally and Damon share their journey through entrepreneurship, detailing the lessons learned from starting and running various businesses, including a gym. They emphasize the importance of self-funding, the challenges of business ownership, and the personal growth that comes from taking risks. The discussion highlights the significance of having a clear vision, the realities of working long hours, and the value of partnerships in business.

    17 min

  5. 06/18/2025

    Episode 6-Planning for Emergencies

    In this episode, Sally and Damon discuss the importance of understanding financial emergencies, building an emergency fund, and effective communication during financial stress. They emphasize the need for a flexible financial plan and strategies for managing setbacks while celebrating progress along the way.

    15 min

  6. 06/11/2025

    Episode 5-Advice from the Financial Advisor: what IS an Investment?

    In this conversation, Damon shares valuable insights from his experience as a former financial advisor, emphasizing the importance of distinguishing between true investments and mere wants. Together they discuss practical strategies for financial planning, including the significance of employer matching in retirement accounts and the long-term nature of investments. The conversation encourages listeners to be mindful of their spending habits and to label their purchases accurately, fostering a better understanding of financial freedom and wealth building

    13 min

  7. 06/04/2025

    Episode 4-Debt Confessions: Facing Financial Realities

    In this conversation, Sally and Damon discuss the complexities of debt, sharing personal experiences and insights on managing various types of debt, including student loans, car loans and mortgages.  The discussion emphasizes the importance of facing debt, understanding its implications, and adopting effective strategies for repayment. Sally also highlights the significance of celebrating small victories in the journey towards financial freedom.

    15 min

  8. 05/28/2025

    Episode 3-How we taught our kids about money (taxes and work) from an early age

    In this conversation, Sally Phillips discusses the importance of teaching children about money management, responsibility, and the concept of taxes from a young age. She shares her family's approach to financial education, which includes implementing a chore system that correlates with earnings and taxes, encouraging saving for specific goals, and allowing children to experience spending their money. The discussion emphasizes the long-term benefits of instilling financial literacy in children and offers advice for parents on how to approach these conversations.

    13 min

  9. 05/28/2025

    Episode 2-The Biggest Fights We Had

    In this conversation, Sally and Damon explore the complexities of managing finances within a marriage. They discuss their personal experiences with money, the challenges they faced in their first year of marriage, and the importance of communication in resolving financial conflicts. The couple emphasizes the need for a common language around budgeting and financial planning, highlighting the role of financial education in fostering a healthy relationship. They share practical strategies for effective financial discussions and the significance of teamwork in achieving financial goals.

    17 min

  10. 05/28/2025

    Episode 1-How we found Common Cents

    In this episode, Sally and Damon discuss the challenges and strategies of managing finances as a couple with differing money habits. The conversation covers the importance of communication, budgeting, and aligning financial goals to create a harmonious financial life together. Through personal anecdotes, they explore how to navigate financial differences, the benefits of budgeting, and the significance of regular money talks to maintain alignment and reduce tension in financial discussions.

    11 min

  11. Season 1 Trailer

    Trailer

    We are here to help couples unite in their finances.  Are you complete opposites?  Then you are in the right place!

    2 min

Trailer

About

She Spends, He Saves We Thrive-money harmony for opposites—the podcast where we help couples find money harmony, even when they see finances differently. We’re your hosts, Sally F. and Damon Phillips—a certified Christian Life Coach and a former financial advisor, married for over 30 years. We know firsthand that financial differences don’t have to mean financial conflict.

Information