You make decent money. Your friends might even think you're "doing well" financially. So why do you always feel broke?

If you're constantly wondering where your paycheck went, feeling stressed about money despite earning good income, or questioning why you can't seem to get ahead - this episode is for you.

I'm breaking down the three specific reasons why good income doesn't translate to feeling financially secure, and more importantly, I'm showing you the cycle that keeps you stuck (spoiler: it's not about willpower or being "bad with money").

You'll discover:

• Why checking your bank balance is the worst way to make spending decisions
• How "life expenses" mysteriously expand to eat your entire paycheck
• The Money Chaos Cycle that traps even high earners
• What a healthy money decision-making system actually looks like

Plus, I'm sharing details about my FREE 3-Day Money Reset Challenge happening September 23-25 in my Facebook group. If you've been avoiding looking at where your money really goes, this challenge will help you get clarity without the shame or overwhelm.

Ready to break the cycle? Let's dive in.

Join the Moneywise Mastermind Waitlist here: https://www.katyalmstrom.com/mm-waitlist

Connect with Katy:

IG: www.instagram.com/katy_almstrom
FB Group: www.facebook.com/groups/debtpayoffforwomen

"I can't afford it." If you catch yourself saying this phrase a lot, you're accidentally keeping yourself stuck in scarcity thinking. For years, I said this constantly while simultaneously putting things on credit cards anyway. The problem isn't your bank account - it's the language that makes you feel powerless. In this episode, I'm sharing what to say instead.

You'll learn:

• Why "I can't afford it" shuts down creative thinking and keeps you feeling like a victim
• The choice-based language I use with my kids instead (that actually teaches them about money)
• How to find an affordable version of almost anything you want
• The reseller market secret that makes expensive items accessible
• The one question that changes everything about how you approach money decisions
• Why getting clear on your WHY often reveals you don't actually want the thing
• How to reframe from limitation to empowerment in any money conversation

Stop letting this phrase make you feel powerless. You have more options than you think - it's time to start using language that reflects that truth.

Join the Moneywise Mastermind Waitlist here: https://www.katyalmstrom.com/mm-waitlist

Connect with Katy:

IG: www.instagram.com/katy_almstrom
FB Group: www.facebook.com/groups/networthwoman

What if your money wasn't your enemy, but your teammate? Most of us have been conditioned to see money as something scary to fight or control, but this mindset keeps us stuck in anxiety and bad decisions. In this Money Mindset Minute, I'm sharing the simple shift that completely transformed how money feels in my life.

You'll discover:

• Why treating money like a supportive friend changes everything
• The mindset shift that turns spending guilt into spending joy
• How I went from urges to spend everything to excitement about building wealth
• The automation strategy that makes money decisions guilt-free
• What to think instead when you look at your bank account
• The simple reframe that makes saving feel like teamwork, not deprivation

This isn't about talking to your money (though you could!). It's about partnering with your money instead of fighting it. When you make this shift, every financial decision becomes easier.

Join the Moneywise Mastermind Waitlist here: https://www.katyalmstrom.com/mm-waitlist

Connect with Katy:

IG: www.instagram.com/katy_almstrom
FB Group: www.facebook.com/groups/networthwoman

Summer doesn't have to be a budget buster, but most people fall into the same expensive traps every year. They start with good intentions, say yes to everything without a plan, and then avoid looking at their bank account until fall hits with back-to-school stress. Sound familiar? In this episode, I'm sharing our family's real approach to enjoying summer without going broke - and it's way simpler than you think.

You'll learn:

• The year-long planning strategy that makes summer expenses feel manageable
• How to create the "summer activities list" that keeps costs low and fun high
• Why most summer magic is actually free (and how to lean into that)
• The scheduling trick that spreads out bigger expenses without the guilt
• How to avoid the dangerous summer money avoidance spiral
• What to do right now if you're already feeling behind

Stop thinking you need to spend your way to a good summer. I'll show you how slowing down and being intentional creates better memories than any expensive activity ever could.

Join the Moneywise Mastermind Waitlist here: https://www.katyalmstrom.com/mm-waitlist

Connect with Katy:

IG: www.instagram.com/katy_almstrom
FB Group: www.facebook.com/groups/networthwoman

Feeling stuck in the same money patterns you started 2025 with? Like you're going through the motions but not making real progress? You're not alone. This week I ran a special mid-year workshop for my Moneywise clients and waitlist members, and what happened was so powerful I had to bring it to the podcast.

You'll learn:

• How to identify the hidden money pattern that's been secretly running your financial life
• The December 2025 vision exercise that creates clarity instantly
• Why your money emotions matter more than your budget
• The ONE decision framework that bridges where you are to where you want to be
• How to turn "inevitable" financial progress instead of hoping and wishing

Instead of typical goal-setting that never sticks, this episode goes deep on rewriting the money stories that have been holding you back. If you've been spinning your wheels financially and want your second half of 2025 to feel completely different, this reset will show you exactly how to make it happen.

Join the Moneywise Mastermind Waitlist here: https://www.katyalmstrom.com/mm-waitlist

Connect with Katy:

IG: www.instagram.com/katy_almstrom
FB Group: www.facebook.com/groups/networthwoman

Overwhelmed by budgeting apps and complicated money systems that never stick?

You're not alone. In this episode, I'm sharing insights from my special mid-year workshop where my clients revealed what's actually working for them - and it's refreshingly simple.

You'll learn:

• Why most money management systems fail (and it's not what you think)
• The two-part approach my clients swear by that requires zero apps
• How to stay connected to your money without obsessive tracking
• Why simple beats perfect every single time
• The 15-minute monthly habit that prevents money stress

If you've been struggling to find a sustainable approach to managing your money, this episode will be a breath of fresh air. No complicated spreadsheets, no daily maintenance, just practical strategies that work even when life gets messy.

Join the Moneywise Mastermind Waitlist here: https://www.katyalmstrom.com/mm-waitlist

Connect with Katy:

IG: www.instagram.com/katy_almstrom
FB Group: www.facebook.com/groups/networthwoman

Stop waiting to feel 'good enough' with money to start making progress. In this reset, I'm sharing my light switch moment when I realized that financial responsibility isn't about perfect systems - it's about actual progress. If you've been organizing and tracking but still feeling trapped by debt, this episode will help you shift from perfection to momentum.

Join the Moneywise Mastermind Waitlist here: https://www.katyalmstrom.com/mm-waitlist

Connect with Katy:

IG: www.instagram.com/katy_almstrom
FB Group: www.facebook.com/groups/networthwoman

"Just live on rice and beans until your debt is gone." Yeah, right.

What if I told you that you can live richly RIGHT NOW while being financially responsible?

In this episode, I'm sharing my personal spending hierarchy that lets me thrift for amazing finds, create a beautiful home, and prioritize what actually matters - all while staying on track financially.

You'll discover:

• why I refuse to buy anything new (and love it that way),
• how to plan your spending around what creates real abundance,
• and the simple framework for making money decisions that align with your values.

Stop waiting for "someday" to live the life you want.

Join the Moneywise Mastermind Waitlist here: https://www.katyalmstrom.com/mm-waitlist

Connect with Katy:

IG: www.instagram.com/katy_almstrom
FB Group: www.facebook.com/groups/networthwoman