The power of faith, fresh starts, and financial strategy takes center stage in this episode of Dr. Sev Talks Money. Together, my guest, Denise Sarkor, and I dive into bold moves, second chances, and building lasting legacies, especially for women 40 and over.

We cover:✨ How faith influences financial decisions and career pivots✨ Why entrepreneurship is a powerful wealth-building tool for women and marginalized communities✨ The quiet mindset blocks that keep us stuck—even when the resources are available✨ What legacy really means when you're starting later in life✨ Why community, collaboration, and clarity are essential for lasting wealth

My guest, Denise Sarkor, is the Principal & Private Wealth Advisor at Sarkor Financial Advisors, a fee-only financial planning and investment firm. With over 20 years of experience across financial services, business strategy, and human development, she advises community leaders, executives, and small business owners on building personalized financial plans, portfolios, estates, and philanthropic strategies.

In addition to leading her firm, Denise serves as Lead Business Acquisition Advisor for the New Majority Capital Foundation and as a Business Growth Advisor with the Goldman Sachs 10,000 Small Businesses program in collaboration with Babson College. Her career includes roles at Goldman Sachs, the World Bank, Merrill Lynch, and BNY Mellon Wealth Management.

A graduate of the Wharton School and Columbia University, Denise holds multiple certifications, including CEPA®, CAP®, and Advisor For Women™, and is deeply committed to helping underestimated communities build lasting financial legacies.

Learn more: denisesarkor.com | sarkorfinancialadvisors.com

Disclaimer: No direct financial advice is provided in this episode. Sarkor Financial Advisors LLC (“Sarkor Financial”) is a registered investment advisor offering advisory services in the State of Georgia, the State of New Jersey, and other jurisdictions where exempt nationwide. Registration does not imply a certain level of skill or training.

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The Dr. Sev Talks Money podcast's mission is to empower women to approach money confidently, reframe their financial habits, and build a future where their money is a tool for opportunity and security.

Through Dr. Sev Talks Money YouTube channel and Podcast, I provide actionable advice and inspiration to help you achieve financial freedom. Join me for one-on-one coaching, group sessions, workshops, or speaking engagements as we journey to financial empowerment together. It’s never too late to begin again—let’s make it happen!

Here is one way you can support the Dr. Sev Talks Money podcast and YouTube channel:

https://www.buymeacoffee.com/DrSevTalksMoney

My website: www.sevtalksmoney.com

YouTube: https://www.youtube.com/c/DrSeverineBryan--SevTalksMoney

LinkedIn: https://www.linkedin.com/in/severinebryan/

Ever feel like you're too old to start over? In this episode, Linda Murray Bullard shares how losing her job at 53 helped her rewrite her story, find her voice, heal generational trauma, and create a life she truly loves.

We talk about healing family patterns, starting over, setting new boundaries, shifting our mindset, and creating a business that aligns with who we are. Whether you’re feeling stuck or ready for a change, this episode will remind you, it’s not too late to build the life you want.

Linda, also known as The Business Plug, is an author, international speaker, and business strategist who helps people turn their life experiences into power moves, whether that’s writing a book, building a business, or rediscovering their purpose. Through her work, she empowers audiences to reconnect with their dreams and create the lives they were meant to live

Contact Linda here: https://GetTheBusiness.org

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The Dr. Sev Talks Money podcast's mission is to empower women to approach money confidently, reframe their financial habits, and build a future where their money is a tool for opportunity and security.

Through Dr. Sev Talks Money YouTube channel and Podcast, I provide actionable advice and inspiration to help you achieve financial freedom. Join me for one-on-one coaching, group sessions, workshops, or speaking engagements as we journey to financial empowerment together. It’s never too late to begin again—let’s make it happen!

Here is one way you can support the Dr. Sev Talks Money podcast and YouTube channel:

https://www.buymeacoffee.com/DrSevTalksMoney

My website: www.sevtalksmoney.com

YouTube: https://www.youtube.com/c/DrSeverineBryan--SevTalksMoney

LinkedIn: https://www.linkedin.com/in/severinebryan/

There are emotions behind our money decisions. Understanding them could help us heal from money shame. Money is not just math. It’s feelings, habits, and stories.

In this episode, Dr. Khalya Hopkins shares how she paid off debt twice—first as a young single mom and later while helping her daughter through college and earning her doctorate. We discuss money shame, money dysmorphia, and how our values manifest in our spending.

You’ll hear simple, real steps to start today, like using tax refunds wisely, fighting lifestyle creep, and choosing small wins to build momentum.

You’ll learn:

What money shame looks like in daily life

How “money dysmorphia” can lead to overspending or strict scarcity

Ways to align your budget with your values

Small first steps to tackle debt (snowball or highest-interest—pick what you’ll stick with)

How honest talks with friends can lower shame and boost support

If this resonated with you, share it with a friend who needs some encouragement today.

Connect with Dr. Khalya here:

Black Women Be Knowing Podcast: https://open.spotify.com/show/7Cej3Gqj88zGWH9uAKqs4Q?si=e0cd630844674f07

Instagram: https://www.instagram.com/blackwomenbeknowing/

LinkedIn: https://www.linkedin.com/in/dr-khalya-hopkins-58b937149/

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The Dr. Sev Talks Money podcast's mission is to empower women to approach money confidently, reframe their financial habits, and build a future where their money is a tool for opportunity and security. Through Dr. Sev Talks Money YouTube channel and Podcast, I provide actionable advice and inspiration to help you achieve financial freedom. Join me for one-on-one coaching, group sessions, workshops, or speaking engagements as we journey to financial empowerment together. It’s never too late to begin again—let’s make it happen!

Here is one way you can support the Dr. Sev Talks Money podcast and YouTube channel:

https://www.buymeacoffee.com/DrSevTalksMoney

My website: www.sevtalksmoney.com

YouTube: https://www.youtube.com/c/DrSeverineBryan--SevTalksMoney

LinkedIn: https://www.linkedin.com/in/severinebryan/

In this episode of Dr. Sev Talks Money, I’m joined by Ty Mangum to explore real estate investing after 40 without a six-figure bank account. Ty shares how she started her real estate journey later in life, built wealth without financial privilege, and now mentors women to do the same.

We talk mindset, money, and why it’s never too late to invest. Whether you're interested in rental property, passive income, or just want to overcome fear and take that first step, this conversation will inspire you to get in the game.

Learn more about Ty and where you can connect with her: Ty Mangum is a career educator, Army Reserve officer, and real estate entrepreneur who proves it’s never too late to pivot or invest. After serving over three decades in the military, including more than 20 years in the Army Reserves, Ty shifted her passion for teaching into mentoring women around real estate, leadership, and entrepreneurship.

She’s the founder of Renaissance Properties of the Carolinas, a licensed realtor and investor, and the host of the Tiny Steps, Big Moves podcast, where she highlights inspiring career pivots. Through her platform Coach Ty Inspires, she’s helping women reimagine their next chapter and live their Best Life 2.0.

Website: https://coachtyinspires.com/

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The Dr. Sev Talks Money podcast's mission is to empower women to approach money confidently, reframe their financial habits, and build a future where their money is a tool for opportunity and security. Through Dr. Sev Talks Money YouTube channel and Podcast, I provide actionable advice and inspiration to help you achieve financial freedom. Join me for one-on-one coaching, group sessions, workshops, or speaking engagements as we journey to financial empowerment together. It’s never too late to begin again—let’s make it happen!

Here is one way you can support the Dr. Sev Talks Money podcast and YouTube channel:

https://www.buymeacoffee.com/DrSevTalksMoney

My website: www.sevtalksmoney.com

YouTube: https://www.youtube.com/c/DrSeverineBryan--SevTalksMoney

LinkedIn: https://www.linkedin.com/in/severinebryan/

Bankruptcy doesn’t mean your money story is over. This episode shares how one person went from bankruptcy to an 800+ credit score, proof that a fresh start is possible.

You’ll learn how to heal from money stress, rebuild credit, and start building wealth. We also talk about raising money-smart kids, breaking free from public aid, and creating a new money legacy at any age. If you’ve ever thought, “It’s too late for me,” this episode will show you it’s not.

My guest is Jasmine Lopez, an Accredited Financial Counselor® and Certified Immigrant Finance Professional. Jasmine knows what it feels like to live with financial insecurity, having faced it for most of her adult life. At 40, she drew a line in the sand and created a plan to more than double her income. She’s gone from bankruptcy to building an 800+ credit score, all while raising financially aware children.

Her journey of overcoming financial trauma has inspired her to speak nationwide, leading interactive workshops for BIPOC youth and adults on healing with money and creating abundance. Jasmine is passionate about helping others know it’s never too late to grow financially or change their legacy conversations across generations.

Connect with her here:

https://www.linkedin.com/in/yourfriendjasmine/

https://www.youtube.com/@yourfriend.jasmine

https://www.instagram.com/yourfriend.jasmine/

https://www.facebook.com/yourfriendjasminelopez

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The Dr. Sev Talks Money podcast's mission is to empower women to approach money confidently, reframe their financial habits, and build a future where their money is a tool for opportunity and security.

Through Dr. Sev Talks Money YouTube channel and Podcast, I provide actionable advice and inspiration to help you achieve financial freedom. Join me for one-on-one coaching, group sessions, workshops, or speaking engagements as we journey to financial empowerment together. It’s never too late to begin again—let’s make it happen!

Here is one way you can support the Dr. Sev Talks Money podcast and YouTube channel:

https://www.buymeacoffee.com/DrSevTalksMoney

My website: www.sevtalksmoney.com

YouTube: https://www.youtube.com/c/DrSeverineBryan--SevTalksMoney

LinkedIn: https://www.linkedin.com/in/severinebryan/

We’re tackling a fear many women over 40 quietly carry, the worry that there’s not enough time left to build true financial security. If you’ve ever thought, “I’m too far behind to catch up,” this episode will show you that it’s not too late to take control of your money and your future.

My guest, Renee K. Collins, CPA, CFP®, AFC®, is the founder of Retire Ready, Inc. and a trusted guide for first-generation wealth builders who want to retire with confidence. With more than 20 years of experience in accounting and financial planning, Renee helps professionals over 40 create retirement strategies that align with their goals, values, and lifestyle. Her mission is to simplify retirement planning, empower clients to avoid costly mistakes, and build a legacy of financial wellness for the next generation.

In this episode, you’ll learn:

Why it’s never too late to start building wealth, even after 40

The first steps to take if you feel behind on retirement savings

How to shift your money mindset from fear to freedom

Practical strategies to maximize the money you already have

How aligning your finances with your values makes wealth-building sustainable

If you’ve been carrying the weight of financial regret or fear of running out of time, this conversation will give you both the hope and the tools to move forward.

Resources from Renee:

Free Retirement Guide: https://www.retirereadyinc.com/top10

Website: https://www.retirereadyinc.com/

LinkedIn: https://www.linkedin.com/in/reneekcollins/

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The Dr. Sev Talks Money podcast's mission is to empower women to approach money confidently, reframe their financial habits, and build a future where their money is a tool for opportunity and security. Through Dr. Sev Talks Money YouTube channel and Podcast, I provide actionable advice and inspiration to help you achieve financial freedom. Join me for one-on-one coaching, group sessions, workshops, or speaking engagements as we journey to financial empowerment together. It’s never too late to begin again—let’s make it happen!

Here is one way you can support the Dr. Sev Talks Money podcast and YouTube channel:

https://www.buymeacoffee.com/DrSevTalksMoney

My website: www.sevtalksmoney.com

YouTube: https://www.youtube.com/c/DrSeverineBryan--SevTalksMoney

LinkedIn: https://www.linkedin.com/in/severinebryan/

Overcoming Financial Trauma: A Path to Healing and Empowerment is a powerful episode packed with insights you can apply to your own financial journey. Money often exposes our deepest wounds, but it also offers opportunities for healing. In this episode, we explore what financial trauma is, where it comes from, and, most importantly, how you can reclaim your financial power, no matter your history.

My guest is Rahkim Sabree, a financial therapist, author, and speaker specializing in helping individuals and organizations overcome financial trauma. He combines lived experience, clinical insight, and cultural critique to create transformative conversations around money, mental health, and empowerment. His forthcoming book, Overcoming Financial Trauma (Wiley, 2025), expands his mission to redefine financial wellness through a trauma-informed and trauma-responsive lens.

Order his new book, Overcoming Financial Trauma, here: https://a.co/d/dITl2sj

Follow Rahkim's thought leadership here: https://rahkimsabree.substack.com/

Website: https://www.rahkimsabree.com/

Forbes column: https://www.forbes.com/sites/rahkimsabree/

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The Dr. Sev Talks Money podcast's mission is to empower women to approach money confidently, reframe their financial habits, and build a future where their money is a tool for opportunity and security. Through Dr. Sev Talks Money YouTube channel and Podcast, I provide actionable advice and inspiration to help you achieve financial freedom. Join me for one-on-one coaching, group sessions, workshops, or speaking engagements as we journey to financial empowerment together. It’s never too late to begin again—let’s make it happen!

Here is one way you can support the Dr. Sev Talks Money podcast and YouTube channel:

https://www.buymeacoffee.com/DrSevTalksMoney

My website: www.sevtalksmoney.com

YouTube: https://www.youtube.com/c/DrSeverineBryan--SevTalksMoney

LinkedIn: https://www.linkedin.com/in/severinebryan/

Whether you’re a parent, grandparent, or adult looking to gain control over your money, this episode is packed with insights to help you empower your family and create lasting financial freedom. In this episode of Dr. Sev Talks Money, I chat with Darius Lester, founder of Mammoth Money Academy, about how to break the cycle of financial struggle using creative wealth strategies for both kids and adults.Key Takeaway:Financial literacy isn’t just about money; it’s about empowerment, future planning, and giving your children a head start in life. Every step you take today can create compounding benefits for tomorrow.Darius shares actionable tips for:*Teaching children to save, invest, and make smart financial decisions*Investing in yourself and your kids to prevent future financial mistakes*Making financial decisions today based on your desired future, not your past*Helping your kids exceed your expectations financially, without forcing them to struggle unnecessarily

Connect with Darius here:

YouTube: https://www.youtube.com/@MammothMoneyAcademy Instagram: https://www.instagram.com/mammothmoneymindset/

His Community: https://mammothmoneyteenacademy.carrd.co/

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The Dr. Sev Talks Money podcast's mission is to empower women to approach money confidently, reframe their financial habits, and build a future where their money is a tool for opportunity and security. Through Dr. Sev Talks Money YouTube channel and Podcast, I provide actionable advice and inspiration to help you achieve financial freedom. Join me for one-on-one coaching, group sessions, workshops, or speaking engagements as we journey to financial empowerment together. It’s never too late to begin again—let’s make it happen!

Here is one way you can support the Dr. Sev Talks Money podcast and YouTube channel:

https://www.buymeacoffee.com/DrSevTalksMoney

My website: www.sevtalksmoney.com

YouTube: https://www.youtube.com/c/DrSeverineBryan--SevTalksMoney

LinkedIn: https://www.linkedin.com/in/severinebryan/