In this episode of Launch Your Light, Jayme sits down with Kristen Vernace, founder of Pathways Financial Planning, Certified Financial Planner, and Certified Divorce Financial Analyst, for an approachable conversation about financial planning, money management, purposeful spending, and building financial confidence.

Kristen’s mission is to make financial planning accessible to people who have traditionally felt excluded from the financial industry, especially women, younger adults, entrepreneurs, and those without large investment portfolios. Through ongoing and hourly financial planning services with no minimum requirements, she’s helping change the idea that you need to be wealthy before you can ask for financial guidance.

Kristen shares her own unexpected journey from middle school teacher to financial planner, beginning with tackling her student loan debt and teaching herself how to manage her family’s finances. What started with friends asking for advice eventually grew into a new career and her own financial planning firm.

Together, Jayme and Kristen talk about financial literacy, emergency savings, investing, retirement planning, cash flow for entrepreneurs, high-yield savings accounts, and the emotional side of money. They also explore purposeful spending, lifestyle inflation, financial comparison, and why earning more money doesn’t automatically mean feeling financially secure.

Most importantly, Kristen shares why looking closely at your finances doesn’t have to create more fear. For many of her clients, the biggest feeling on the other side of financial planning is actually relief.

Whether you’re building a business, paying down debt, planning for retirement, or simply ready to understand your money better, this episode is an invitation to stop avoiding your finances and start creating a plan that supports the life you actually want.

Check out Kristen and her work here!

Ask Jayme a Question here!

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