The Money Mom Podcast

Rachel Coons

Welcome to The Money Mom Podcast, the ultimate guide for moms who want to take control of their finances, crush debt, and create a life of financial freedom and abundance. Hosted by Rachel Coons, a budgeting expert and mom of three, this podcast is your go-to resource for practical tips, mindset shifts, and empowering strategies to help you manage your money with confidence. Whether you’re navigating grocery budgets, tackling debt, or dreaming of building wealth for your family, each episode offers bite-sized, actionable advice to make money management simple, stress-free, and even enjoyable. With relatable stories, expert insights, and a dose of mom-to-mom encouragement, you'll learn how to transform your finances—one small step at a time. Tune in every week to discover how to save more, spend smarter, and feel empowered to create the financial life you deserve. Because when moms thrive financially, families flourish.

  1. 1d ago

    115: Pay Off Debt Without Budgeting

    You know you're supposed to pay off the high-interest debt first. You know you should stop putting things on the credit card. You know you should spend less than you earn. So why are you still stuck? In this episode, I'm getting honest about the real reason so many women stay in debt even when they have all the information they need. And I promise you, the answer has nothing to do with money. We cover: Why the gap between knowing and doing is where debt actually livesThe cycle of financial avoidance that keeps so many moms spinning in placeWhy emotional spending is a coping mechanism, not a character flawThe Triangle of Change framework and why real financial transformation has to start at the topWhat it actually means to become the woman who gets out of debt before the debt is even paid offWhy behavior change alone will never stick without addressing what's underneath itIf you've ever watched a video, made a plan, felt motivated, and then found yourself right back where you started two weeks later, this episode is going to explain exactly why that keeps happening. You don't need another strategy. You need to understand what's actually running the show. 🎧 Press play. This one might just be the thing that finally makes everything click. xoxo, Rachel --- Register for Business Breakthrough Experience: http://www.jameswedmoretraining.com/a/2148272142/LcoDSfh7 Join me for my free training to learn the 5-step RESET Framework: Register HERE CONNECT WITH RACHEL Instagram | Facebook | YouTube | Website

    14 min

  2. Jun 23

    114: Why 80% of Budgets Fail Within 3 Months (And What Actually Works Instead)

    If you've tried budgeting and it never seems to stick, I want you to hear this: you are not the problem. That's not just something nice to say. That's behavioral economics. The actual science of how humans make financial decisions tells us that the way most people budget was never going to work in the first place. In this episode, I'm breaking down exactly why willpower is one of the worst tools you can use to manage your money, and what to build instead so your finances actually run without you having to white-knuckle it every single month. We cover: Why 80% of people quit their budget within three months (and why it has nothing to do with discipline)The real reason a bad day can derail three months of financial progressHow decision fatigue is quietly working against every money goal you've setWhy shame makes overspending worse, not betterThe RESET Method and the five ingredients you need for a money system that actually sticksWhat finally changed my financial life after years of trying harder and getting nowhereBecause the goal was never to be more disciplined. The goal is to build a system that works even when you're tired, busy, or just having a hard week. You don't need more willpower. You need a better system. 🎧 Press play and let's build one together xoxo, Rachel --- Register for Business Breakthrough Experience: http://www.jameswedmoretraining.com/a/2148272142/LcoDSfh7 Join me for my free training to learn the 5-step RESET Framework: Register HERE CONNECT WITH RACHEL Instagram | Facebook | YouTube | Website

    11 min

  3. Jun 16

    113: The 4 Reasons You Overspend and What to do About it

    Every month, the money is gone. And you genuinely have no idea where it went. You're not buying anything crazy. You make a decent income. And yet somehow, the bank account is empty before the month is over, and the guilt that comes with it feels awful. In this episode, I'm walking you through the four specific reasons women overspend, because once you understand your reason, everything starts to make a whole lot more sense. We cover: Why your nervous system is actually working against your bank account (and what to do about it)The sneaky way social media and comparison are quietly driving your spending habitsWhat poor money visibility really looks like and why it makes every purchase feel like a guessThe modern convenience trap that removed the one thing standing between you and overspendingThree simple steps you can take this week to start getting ahead of itNo shame. No lecture. Just real information about why you spend the way you do, and a smarter way forward. Because you don't have a willpower problem. You've just been operating without the right information. 🎧 Tune in and let's finally figure out what's actually going on with your money. xoxo, Rachel --- Register for Business Breakthrough Experience: http://www.jameswedmoretraining.com/a/2148272142/LcoDSfh7 Join me for my free training to learn the 5-step RESET Framework: Register HERE CONNECT WITH RACHEL Instagram | Facebook | YouTube | Website

    10 min

  4. Jun 9

    112: 3 Side Hustles Any Mom Can Start From Home

    In this episode, I'm sharing three real ways that moms inside our community are bringing in an extra $50, $500, even $5,000 a month from home, on their own schedule, without having to go back to a 9 to 5. We cover: The easiest place to start (and why you probably have hundreds of dollars sitting in your house right now)How I went from selling meal plan guides on Instagram to building a business that has generated almost seven figures for my familyThe side hustle that I think is one of the most underrated opportunities for moms in 2026What actually made the difference when I stopped spinning my wheels and started making real incomeThese aren't theories. These are things real women in our community are doing right now. If you've ever felt like budgeting harder is the only option, this episode is going to open up a whole new way of thinking about your finances. Register for Business Breakthrough Experience: http://www.jameswedmoretraining.com/a/2148272142/LcoDSfh7 🎧 Listen now and let's talk about what's actually possible for you. xoxo, Rachel --- Register for Business Breakthrough Experience: http://www.jameswedmoretraining.com/a/2148272142/LcoDSfh7 Join me for my free training to learn the 5-step RESET Framework: Register HERE CONNECT WITH RACHEL Instagram | Facebook | YouTube | Website

    12 min

  5. Jun 6

    He Built a $100M Business. Here's What He Told Me About Moms, Money, and Starting Yours.

    3 years ago I was a frustrated mom who wanted so badly to build a business but had no idea what steps to take. I was scared of failure, scared of wasting time, and convinced I'd have to sacrifice everything that mattered to do it. Then I found James Wedmore. James is the creator of Business By Design... the program that took me from confused and stuck to hitting six figures in my first year as an entrepreneur.  He's helped tens of thousands of people build profitable online businesses, and today he's sitting down with me to talk about all of it. In this episode we cover: Why being a busy mom is not the obstacle you think it isThe one thing every successful online business needs (and it's simpler than you'd expect)Why you'll never feel "ready" — and what to do insteadHow James' own sister built a multi-six-figure business around her kids, from scratchIf something has been quietly pulling you toward building your own online business, don't skip this one. REGISTER HERE xoxo, Rachel --- Register for Business Breakthrough Experience: http://www.jameswedmoretraining.com/a/2148272142/LcoDSfh7 Join me for my free training to learn the 5-step RESET Framework: Register HERE CONNECT WITH RACHEL Instagram | Facebook | YouTube | Website

    1h 12m

  6. Jun 2

    111: I Made 6 Figures in an MLM, Here's My Honest Opinion

    In this episode, I'm giving you my most honest take on MLMs, the good, the real, and what I actually think you should do if your goal is to make money from home on your own terms. We cover: What my MLM experience actually looked like (and why I don't regret it)The hard truth about why most women don't make money in MLMsThe one thing most people don't realize when they sign upWhy making money from home doesn't have to mean selling someone else's productWhat I'd tell any mom who wants to build something real for herself in 2026If you've been curious about MLMs, or you're already in one and something feels off, this episode will give you the clarity and the permission you've been looking for. Register for Business Breakthrough Experience: http://www.jameswedmoretraining.com/a/2148272142/LcoDSfh7 🎧 Listen now and let's talk about what's actually possible for you. xoxo, Rachel --- Register for Business Breakthrough Experience: http://www.jameswedmoretraining.com/a/2148272142/LcoDSfh7 Join me for my free training to learn the 5-step RESET Framework: Register HERE CONNECT WITH RACHEL Instagram | Facebook | YouTube | Website

    8 min

  7. May 26

    110: Why Budgeting Keeps Failing You (And the Simple System That Actually Works)

    You've tried the apps. You've started the spreadsheet. You tracked your spending for a week (maybe two) and then life happened. Sound familiar? Here's what I want you to know: this is not a you problem. You don't have a discipline problem or a willpower problem. You have a systems problem. And in this video, I'm going to show you exactly why traditional budgeting fails smart, capable women... and what to do instead. In this video you'll learn: Why traditional budgeting was never designed for your real life Why restriction-based budgets are nearly impossible to stick to The 3-bucket system that replaces overwhelming budget categories How to know exactly what you can spend without tracking every dollar The simple weekly check-in that keeps you in control without burning out If you've been stuck in the cycle of trying, stopping, and starting over again — this video is for you. 🎓 Save $400–$600/month on groceries → www.heyrachelcoons.com/class 💛 Ready to build a system for your real life? →www.heyrachelcoons.com/moneyreset2 📲 Follow me: Instagram: www.instagram.com/heyrachelcoons Facebook: www.facebook.com/heyrachelcoons Podcast: The Money Mom Podcast → https://podcasts.apple.com/us/podcast/the-money-mom-podcast/id1737544930 YouTube: youtube.com/channel/UCq9FW_MXIT0OO9ZUqT5AfHw/ #budgeting #moneytips #budgetingforwomen #personalfinance #moneymom #financialfreedom #budgetingmoms #moneysystem #savemoney #financetips xoxo, Rachel --- Register for Business Breakthrough Experience: http://www.jameswedmoretraining.com/a/2148272142/LcoDSfh7 Join me for my free training to learn the 5-step RESET Framework: Register HERE CONNECT WITH RACHEL Instagram | Facebook | YouTube | Website

    17 min

  8. May 19

    109: Why Your Grocery Bill Is So High (And Exactly How to Fix It)

    How I Feed a Family of 6 for $350–$400 Every Two Weeks (The SHOP Method) If you're spending $300, $400, or even $500+ a week on groceries and wondering where all your money is going...this episode is for you. I'm sharing the exact system I use to consistently spend $350–$400 every TWO WEEKS for my family of six in Northern California, without coupons, without depriving my family, and without spending hours planning. It's called the SHOP Method, and in this video I walk you through every step: ✅ Shop your shelf FIRST before you spend another dollar  ✅ Build a simple meal plan (just 3–4 meals — that's it)  ✅ Order groceries online to eliminate impulse spending  ✅ Space out your grocery trips to save more money automatically If you're stuck in the paycheck-to-paycheck cycle and grocery spending feels out of control, this is the fastest way to free up real money in your budget... this month, not someday. 🎓 Want the full SHOP Method deep dive? Grab my free training here → [LINK] — ⏱ TIMESTAMPS  0:00 – What I spend feeding a family of 6  1:30 – The Monday morning grocery store trap  4:00 – Why nothing seems to change (it's not your fault)  6:00 – What actually works: the SHOP Method  7:00 – Step 1: Shop your shelf  9:30 – Step 2: Have a plan  11:00 – Step 3: Order online  13:30 – How to start this week — xoxo, Rachel --- Register for Business Breakthrough Experience: http://www.jameswedmoretraining.com/a/2148272142/LcoDSfh7 Join me for my free training to learn the 5-step RESET Framework: Register HERE CONNECT WITH RACHEL Instagram | Facebook | YouTube | Website

    15 min
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4.9
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About

Welcome to The Money Mom Podcast, the ultimate guide for moms who want to take control of their finances, crush debt, and create a life of financial freedom and abundance. Hosted by Rachel Coons, a budgeting expert and mom of three, this podcast is your go-to resource for practical tips, mindset shifts, and empowering strategies to help you manage your money with confidence. Whether you’re navigating grocery budgets, tackling debt, or dreaming of building wealth for your family, each episode offers bite-sized, actionable advice to make money management simple, stress-free, and even enjoyable. With relatable stories, expert insights, and a dose of mom-to-mom encouragement, you'll learn how to transform your finances—one small step at a time. Tune in every week to discover how to save more, spend smarter, and feel empowered to create the financial life you deserve. Because when moms thrive financially, families flourish.

Information

  • Creator
    Rachel Coons
  • Years Active
    2024 - 2026
  • Episodes
    118
  • Rating
    Explicit
  • Copyright
    © 2026 The Money Mom Podcast
  • Show Website
    The Money Mom Podcast

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