Have you ever assumed that someone with a degree and a good credit score must have their finances together?

Many people assume that a good income, a strong career, or an excellent credit score automatically means financial success.

Attorney and financial literacy educator Karlesha Hewitt learned firsthand that this isn't always true.

In this episode, Karlesha shares how she paid off nearly $60,000 in debt in two years, the money habits she had to change, and why learning the language of money transformed her life.

We discuss financial literacy, debt payoff, budgeting, accountability, money mindset, and practical ways to build lasting financial confidence.

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Join Dr. Sev's Wealth Warriors Community for more financial discussions and insights (FREE to join): https://www.skool.com/wealth-warriors-community-1025/about

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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/

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Karlesha's information

Karlesha V. Hewitt, Esq. founded WisdomChild Consulting in 2023 with a heart toward equipping people with the tools, resources, and wisdom needed for life changing empowerment and long-term financial stability.

Primarily through Financial Literacy Education, she helps people Get Wisdom That Cannot Be Taken!

Karlesha's perspective comes from learned and lived experience. After exposure to various perspectives on saving, budgeting, paying off debt, and wealth building as well as practical application, Karlesha paid off close to $60,000 in debt over a two year period (not including student loans).

Then she began leading and teaching others through dynamic, interactive, and interpersonal financial literacy workshop courses.

Connect with Karlesha:

🌐 wisdomchildconsulting.com

📅 June cohort: search "Money Talks Academy" or "Karlesha Hewitt" on Eventbrite

Work she supports: Girls on a Mission with Ambition https://girlsonamissionwa.org/

00:00 Can You Have a Great Credit Score and Still Struggle With Money?
01:53 Karlesha's $60,000 Debt Wake-Up Call
05:10 The Podcast That Changed Her Financial Life
07:00 Facing Your Financial Reality and Creating a Plan
08:45 Support the Show
09:10 Signs Someone Looks Wealthy but Isn't Financially Healthy
13:05 Financial Shame and Why It Keeps People Stuck
15:20 Staying Motivated When Budgeting Feels Overwhelming
19:10 Faith, Stewardship, and Financial Goals
21:45 Why Community Accountability Matters
25:00 Free Ways to Improve Your Financial Literacy
28:05 Teaching Money Across Different Life Experiences
31:10 Money Talks Academy and Financial Transformation
33:05 Information vs Transformation: Why Action Matters
34:00 Final Thoughts: Learn the Language of Money

In this episode, Dr. Sev sits down with CPA and legacy strategist, Albert Butler, to discuss the emotional, financial, and personal side of money that often gets ignored.

Albert shares why internal wholeness has to come before any financial strategy, how to shift from chasing money to chasing purpose, and what Legacy Over Ledgers looks like in real life — especially for someone navigating a major life transition like divorce or retirement.

They also discussed practical insights on budgeting, personal cash flow, scaling yourself before scaling a business, and building a financial legacy that goes beyond wealth accumulation.

****************************************************

Join Dr. Sev's Wealth Warriors Community for more financial discussions and insights (FREE to join): https://www.skool.com/wealth-warriors-community-1025/about

****************************************************

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/

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Albert's information

Albert Butler, CPA, MBA is an author, nationally recognized CPA, strategic advisor, and creator of the Legacy Alignment System, a framework designed to help leaders, entrepreneurs, and families align purpose, structure, money, and legacy. With more than 25 years of experience in public accounting, business advisory, and executive financial leadership, Albert has built his career around one core belief: Accounting is the Heartbeat of Business.

Check out his book here

Kira Hartley Klinger built her reselling empire one thrift store find at a time as a divorced single mom with no startup capital and no business plan, just the drive to make it work.

In this episode, Dr. Sev and Kira get real about free marketing, time management with kids, hard money lessons, and why doing it imperfectly beats not doing it at all. If you've ever wondered whether it's too late to start, Kira's story — from side hustle to Etsy shop to published author to TV — will remind you: it's never too late. You just have to start where you are.

****************************************************

Join Dr. Sev's Wealth Warriors Community for more financial discussions and insights (FREE to join): https://www.skool.com/wealth-warriors-community-1025/about

****************************************************

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/

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Kira's information:

Kira Hartley Klinger is a longtime internet shop owner and the author behind two books (Fabric Wars) that delve into the entertaining and lucrative world of auctions and resale. She is an entrepreneur, reseller, and creative force who built her business from the ground up as a single mom.

Contact Kira here: https://www.etsy.com/shop/DodOddity