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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 star ...
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Time & Money

Tara McMullin

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Ben Franklin penned the phrase "time is money" back in the 18th century. Three hundred years later, we take it for granted. But the idea that time is money has had a massive impact on the way we work and earn our livelihoods today. Time & Money is an 8-part limited series designed to help you question your assumptions about time, money, and their intersection. What is money? How much is our time work? How do we measure quality time? And what metrics really matter when it comes to how we unde ...
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Today, I'm thrilled to welcome back a familiar guest to the podcast—Lynae! We first worked together in 2020, and she's been crushing her financial goals ever since. This is Lynae's third appearance on the show, and I'm excited to have her back so you can gain insights to the full impact of financial coaching from a long-term perspective. In this ep…
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2025 is only four months away! Don’t wait to start planning for next year’s financial goals. In today’s episode, I share three ways to prepare for Q4. From budgeting for the holidays to planning for open enrollment and thinking about Fall activities, I encourage you to start planning ahead for Q4. The end of the year can feel like one of the most e…
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What are you going to do with your next bonus? If your answer is to pay down debt, this episode is for you! Today, I discuss why you shouldn’t use your bonus to pay off debt. Instead, use that extra income in a more meaningful way that will help you stop needing to utilize debt to cover unexpected (or YOLO) expenses. Using your bonus to clear debt …
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In today's episode, my client, Krissy, joins the podcast. Our conversation recaps Krissy's journey working with me. Krissy shares why she decided to book a consultation with me and how working with a financial coach has changed the way she thinks about and manages her finances. She also shares the unique challenges of managing finances as a mom and…
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Why was it easier to budget when you made less money? When you were barely making enough to get by, you were really good at budget - but you also created an invisible scarcity mindset around your finances. Food, water, and shelter were the most important things to you. Once you start earning more, that feeling of scarcity doesn’t just go away. Ever…
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I can guarantee you have money going out of your account right now that you don’t know about. As a financial coach, I want you to spend money intentionally. Regaining control of your finances starts with matching your expenses to your values and goals. This not only helps you manage your money better but also opens up opportunities to increase savi…
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As a financial coach, my goal is to create sustainability in your financial journey. Sometimes that means doing things differently. Traditional financial advice says to save $1,000 and put everything else towards paying down debt. But paying off debt can be tiresome and demotivating. In today’s episode, I offer a more sustainable practice for payin…
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In today’s episode, I welcome Dana to the podcast. Dana and her husband Dan became clients in 2022 while struggling to find the middle ground between conflicting money mindsets. They were busy with career shifts, preparing to buy a home, and figuring out life as a couple. Instead of letting money become a fight, they hired a coach. Dana and Dan had…
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As a financial coach, I aim to help clients transform how they think and feel about money. Sustainable change starts with taking the next best step in your financial journey. In today’s episode, I discuss the importance of meeting yourself where you are with your finances. Your next best step is whatever will get you closer to a win. Every money mo…
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We are halfway through 2024, and it’s time to reflect on the financial goals and intentions you set in January. Whether you are crushing your money goals or need a financial reset, getting crystal clear on your numbers is essential. It is never too late to regain control of your finances! Between school breaks, vacations, and beautiful weather, it …
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Better financial well-being starts with identifying spending patterns. Tracking bills in an app is a start, but those apps aren’t showing you a complete picture of your finances. A financial coach can help you find patterns in your finances so you can take a holistic approach to managing money. Financial patterns are day-to-day data of your spendin…
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Welcome back to the podcast series about paychecks. Today, I'm diving into the intricacies of managing household finances when you and your partner have different pay schedules. Regardless of when you and your partner get paid, having a solid budget is vital to alleviating financial anxiety. It provides a clear roadmap for managing expenses and sav…
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Whether you make $100,000 or $1,000,000 a year, your financial habits will follow you. Many clients think their money problems will disappear when earnings increase, but it doesn't matter how or when you get paid; it matters how you think about and manage your money. Today's episode continues the podcast series about paychecks. I address common mis…
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In this installment of the podcast series about maximizing your paycheck I am talking about extra income on payday. Overtime, bonuses, and side hustles are a great way to make additional money, but how should you account for this income in your budget? I want you to be thoughtful, purposeful, and intentional about how you’re paid so you can better …
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This is the third episode of my podcast series about paychecks. Today, I discuss bi-weekly and twice-monthly pay cycles. It doesn't matter how you get paid; it matters how you think about and manage your money. Whether you get bi-weekly or twice-monthly paychecks, zero-based budgeting is essential. I provide a practical framework for calculating yo…
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Navigating your pay stub as a freelancer or 1099 contractor can feel daunting especially when you’re responsible for paying your own taxes or navigating fluctuations in pay.Today, I discuss paycheck management strategies for people who work as freelancers or 1099 contractors as a primary source of income. From tax-saving strategies to creating a PT…
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Checking your pay stub is not just a financial task, it's a habit that can transform your financial journey. You may be used to the rhythm of your paydays, knowing when that deposit hits your account. But how often do you actually scrutinize your paystub? Let's start building this crucial habit together. In today's episode, I underscore the importa…
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In 2024, I want to help you earn more money! Today, I am joined by Leigha May to continue the conversation about under-earning. Leigha is a career and executive leadership coach who helps her clients get the pay they deserve. Leigha shares everything you need to know about under-asking. We discuss the tendency to under-ask based on limiting beliefs…
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In today's episode, I continue the conversation about under-earning. Money is a tool that can get you anywhere you desire to be, so regardless of your current position or financial status, I want you to make more money! I guide you through a series of exercises to help cultivate a six-figure mindset based on achieving your dream salary. This concep…
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In this episode, I continue my podcast series about underearning. You need to audit your money team to feed your earning potential. Surrounding yourself with the right people and resources is essential to getting the salary you deserve. I share the three most effective ways to audit your money team. Finding people who positively contribute to your …
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Welcome to the first episode of my new series about underearning! I will not allow you to make less than your worth. Let's make a goal for 2024 to leverage earning potential and get the salary your experience, expertise, and knowledge demands. The root cause of under-earning is a mindset block. You aren't earning more because you aren't asking for …
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If you feel like your spending is out of control, it's time to revisit your budget. An effective budget isn't about restriction; it's about aligning your money goals and values with your spending habits. Getting intentional with your spending will shift your financial taste buds and change the way you think and feel about money! In today's episode,…
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In this week's Financial Spring Cleaning series episode, I challenge you to reflect on the first 90 days of 2024. It's unbelievable how quickly time flies, and it is so important to take a step back to evaluate our financial progress, goals, and habits. Reflecting on what has worked well in the past quarter allows us to celebrate our progress and i…
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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 vacatio…
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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 beco…
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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 de…
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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 finan…
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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…
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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 g…
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January is a popular month for No Spend challenges. But temporary financial restriction is not the answer to better money habits. Let's ditch the challenges and focus on a budgeting plan that fosters financial clarity and allows us to spend purposefully. In today's episode, I expose the pitfalls of short-term money challenges. We are not doing No S…
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Believe it or not, financial coaches have debt, too! In today's episode, I share how a financial coach manages, leverages, and pays off debt. I tell you everything from my early experiences with credit cards to borrowing money to invest in high-value coaching. I give you an indepth look at the complexities of my business and personal debt and my me…
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As a financial coach, my goal is for my clients to have choices. I want you to be able to spend money however you want. Consistently saving money allows you to engage in drama-free spending. But a lot of people find it challenging to save money. They set a goal to save a certain amount every month, and when they can't do that, they decide to give u…
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Today, I'm joined by a former client, Muhawu Lumeya, whom I had the pleasure of working with about two and a half years ago. We discuss the concept of wealth beyond just monetary figures, exploring how intentional time with family and strategic financial decisions contribute to a fulfilling life. Muhawu reflects on her shift from financial anxiety …
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In today's episode, I share how I budget as a financial coach. Budgeting is the second step in my five-step plan for building wealth, and I give you my perspective on personal and business budgeting. First, I explain the power of a zero-based budget, where every dollar has a purpose. I highlight how this approach brings clarity and flexibility in s…
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In today's episode, I'm delving into my personal investing journey as an entrepreneur and financial coach! Listen in while I share insights and lessons that shaped my financial path. From the importance of contributing to retirement to the power of playing with numbers and setting ambitious goals, I explain how I decide where to invest my money. Pl…
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If regaining control of your finances and changing how you feel about money is part of your New Year’s Resolution, this episode is for you! Make it your focus for 2024 to release feelings of shame and uncertainty around spending, saving, and making money. I want you to spend money drama-free and feel confident about managing your finances. In today…
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It’s time to wrap up 2023! You have accomplished so much this year, and keeping that momentum going in 2024 is essential. Use 30 minutes of reflection time to set yourself on a positive trajectory for the New Year. In today’s episode, I share my favorite exercises to reflect on the previous year and set myself up for success in the future. I also o…
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At some point, you will experience a financial setback. Unexpected expenses require charges on a credit card or dipping into savings. This perceived “loss” can lead to personal judgment and shame when you have an all-or-nothing mindset about money management. In today’s episode, I help you reframe financial setbacks as evidence of growth. You have …
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An effective budget is not just a list of bills. If you want to reach your money goals, it is essential that you know your numbers and how you spend your money. Things like getting your hair done, going out to eat on date night, or sending thank-you gifts to clients seem like small expenses, but can have a major impact on your overall financial goa…
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Thank you for joining me on this journey of 100 episodes! This is an incredible milestone for Money and Files, and I attribute so much of the podcast’s success to my amazing clients and listeners. Even though I do not know each of you personally, as a business owner and financial coach, I always think about you as I talk about money and how I can h…
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If you and your money sat down with a therapist, what would your money say about your relationship? Odds are, your money is stressed and overworked. Too often, high-earning individuals designate their financial livelihood to the next client, the next night shift, or the next gig. They get so caught up in reactive day-to-day money management and men…
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Today, I am interrupting how you spend money during the holidays. So many of us overspend during the holidays because we are programmed to take advantage of Cyber Monday, Black Friday, and the endless brand deals. There is so much pressure to buy right away or risk losing out. Stores run sales all year round. Odds are, a special holiday deal will b…
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It has been FIVE years since I started my coaching business! What better way to celebrate this milestone than to bring my first-ever client on the podcast? In today’s episode, I sat down with my first money coaching client, Amanda. She shares her money journey, including why she decided to work with me, how she paid off all her debt, and how financ…
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Are you considering working with a money coach? This episode is for you! In today's episode, I am joined by my client Sarah. Sarah shares her journey of being a single mom by choice and how getting help with her finances was pivotal to her leaning into motherhood. Sarah has just finished working with me in my five-month partnership and came on the …
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Most people associate money conversations with savings, debt, or salaries. But achieving financial goals is more than just making money. In today’s episode, I share the importance of having a money team. Your money team goes beyond just having a financial advisor. You need a group of people who have already accomplished what you want to do and who …
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Today's podcast episode is a cross-replay of my conversation with my friend and client, Lindsay Dotzlaf. Lindsay is a coach specializing in empowering other coaches to enhance their effectiveness and make a more significant impact. Tune in as Lindsay shares her personal journey of working with me as her financial coach and the profound transformati…
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It's no secret weddings are EXPENSIVE. On average, couples spend $30,000-$40,000 on their wedding. Don't let financial stress overshadow your Big Day. I explain how to build the perfect wedding budget in today's episode. The earlier you start financially planning for your wedding, the easier it will be to create the perfect day without overspending…
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I recently was a guest on Sara Fisk's podcast, The Ex-Good Girl, hosted by Sara Fisk. Sara is a female empowerment coach who helps women stop people-pleasing behavior and start living the life they want. With Sara's permission, I am sharing our conversation in this episode of Money Files. So, listen in as we dive deep into why women aren't naturall…
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Debt can make you feel anxious and shameful. As a six-figure earner, I know how tempting it is to put all of your focus on paying off credit cards or loans. But when you are only working at paying down debt, you lose sight of all your other financial goals. In today's episode, I share the five main reasons I tell my clients to look beyond paying of…
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Saving money $10,000 can be an intimidating goal, especially if you are someone who doesn't identify as a saver. But reaching a savings goal is easier than you think! In today's episode, I share my special 'Magic Ten' process to save $10,000. This is the method I coach my clients on, and it is successful for anyone. Not only will the Magic Ten proc…
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