The Financial Management Skill No One Taught Us with Carl Richards – EP 557
Do money conversations make you uneasy? Today, we invited behavioral financial expert and author Carl Richards to unpack what this missing skill is and why
We help you control your spending without all the guilt and shame of strict budgeting.
Get ready to feel confident about your finances and afford more of the things money can’t buy.

Budgets are the diets of the financial industry. We help yo-yo budgeters end the guilt and shame cycle of “perfect” budgets and make one that actually works.

There’s not one right way to do money. We help you find your core values and create a financial plan around them. And you always have the freedom to take what works for you and leave what doesn’t.

Life can be focused on the destination but it’s lived on the journey. You need actionable strategies to make good decisions in advance and in real time. We’ve got you.

We believe frugality isn't just clipping coupons and reusing Ziploc bags. It's the wise stewardship of resources: money, time, relationships, mental space, physical space, and natural resources.

When we focus on consuming less, spending based on our values, and earning more in the workplace we can stop focusing on $3 decisions and start considering $3,000 and $30,000 decisions.

We believe the best way forward is together. The only way women can close the wealth gap and experience financial freedom is by working together to educate, support, and celebrate each other.
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A relatable personal finance guide that gives a fresh take on how to control your impulse spending so you can stick to a budget and pay off debt, without the guilt and shame of traditional financial advice.
Jen Smith & Jill Sirianni
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