The Money Mom Podcast
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.
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 ...
Jun 2
7 min
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 des...
May 26
16 min
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:...
May 19
14 min
108: The Real Reason You're Still Stressed About Money (It's Not What You Think)
You've tried the budgets. You've downloaded the apps. You've tracked the spending. And you're still stressed. Here's what nobody is telling you: the problem isn't the numbers. It's what's happening underneath them: the thoughts, the energy, the emotions you bring to every money decision you make. In this video, I'm breaking down exactly why that is, and what actually needs to shift first before anything else can change. You'll learn: Why your mindset is driving your financial decisions (usual...
May 12
15 min
107: The Student Loan Strategy Nobody Wants to Talk About
We have $350,000 in student loans...and we're not paying them off early. When I posted about this on Instagram, the comments were a lot. So I decided to break down exactly what our strategy is, why we made this decision, and the math behind it. This isn't about getting a handout. It's about being intentional with debt instead of reactive. In this video I cover: Why we chose an income-driven repayment plan over aggressive payoffHow the 20-year forgiveness program actually worksThe ...
May 5
13 min
106: 5 Ways to Create a New Money Future
Most moms think creating a better financial future means budgeting harder or making more money… but what if that’s not actually the problem? In this episode, I’m walking you through the exact 5-step process that completely changed my relationship with money, and has helped thousands of moms move from stress and anxiety to feeling safe, confident, and in control. After years of living paycheck to paycheck (even once we were making six figures), I realized the real issue wasn’t the numbers… it ...
Apr 28
12 min
105: You Make Good Money… So Why Are You Still Stressed?
You’d think making six figures would finally make you feel secure with money… but what if it doesn’t? In this episode, I’m breaking down why more income isn’t actually the solution to feeling stressed, anxious, or “bad” with money... and why so many women are still struggling, even at higher income levels. I’m sharing the “leaky bucket” analogy to help you see exactly where your money is slipping away (and why it keeps happening on autopilot). We’ll talk about the real reasons behind overspen...
Apr 14
8 min
104: My GLP-1 Update: What No One Talks About
Today’s episode is a personal update you’ve been asking for. A few months ago, I shared my experience starting a GLP-1—and since then, my DMs have been full of questions about what’s changed, what I’m still doing, and how I’m feeling now. In this episode, I’m giving you an honest, real-life update on my peptide journey, where I’m at today, why I chose to continue, and the biggest differences I’ve experienced over time. We talk about: Why I’m still microdosing tirzepatideThe unexpected benefit...
Apr 7
10 min
103: Your Subconscious Is Controlling Your Money… Here’s How W/Megan Blacksmith
If you’ve ever felt like you’re making money… but it just disappears, this episode is going to click. In this conversation with NLP trainer Megan, we break down: Why money comes in and goes right back out The subconscious patterns running your financial decisions How your beliefs about money were formed (and how to shift them) A powerful “money = water” metaphor that will completely change how you think about budgeting This episode will help you sto...
Mar 31
37 min
102: Why You Still Feel Broke (Even If You Have Money)
Have you ever looked at your bank account and thought… “Why do I still feel broke?” The bills are paid. Your income might even be decent. But somehow, money still feels stressful, tight, and like it’s constantly slipping through your fingers. In this episode of the Money Mom Podcast, I’m breaking down why you can have money and still feel broke—and what’s actually going on beneath the surface. Because here’s the truth most financial advice won’t tell you: 👉 It’s not just about how much ...
Mar 24
9 min
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