Imagine growing up watching your mother choose between paying the electric bill or buying groceries. Imagine filing bankruptcy, losing your house, living in cars.

At some point, you've probably asked: How do I break free from the money patterns I inherited? How do I build wealth when I'm starting from nothing?

Maybe you've tried to outrun your financial past. You've worked hard, done everything "right." But financial trauma doesn't disappear because you get a paycheck. And for women especially, we're more likely to live in poverty in retirement, take career breaks that cost us earning potential, and prioritize everyone else's financial security before our own.

Emily was born months after her sister passed away, into a household drowning in medical debt, depression, and hopelessness. By eleven, her father had abandoned the family. Her mother, unable to separate emotions from financial decisions, gave up hope.

But Emily chose differently. She graduated high school three years early, started working, and at nineteen launched her first business as a virtual assistant to C-suite executives and family offices.

That gateway changed everything. She learned how capital moves by working with the people who controlled it. She helped create one of the first blockchain ETFs. Today, she runs Numinous Capital—a venture capital firm investing in biotech and deep tech companies building between the coasts.

Here's what Emily learned that her mother never could: sometimes debt feels more secure and comfortable than not having it. "Debt acts almost like a father that's not there," she told me. "It's on your back constantly. And it may feel secure and safe."

This is the paradox of financial trauma. The very thing destroying you can feel like the only stable relationship you have. It's familiar. It's known. And letting it go can feel more terrifying than keeping it.

Emily witnessed this in her mother, who stayed trapped in the cycle until she passed away. But Emily chose differently. She learned to recognize the pattern without repeating it.

Now, financial security means something entirely different: nervous system regulation. "It's this sense of calm and peace that we all owe ourselves," she says. Not about buying more things. Not about keeping up with anyone. Just knowing her money's growing, knowing she has a fallback plan, knowing she's creating opportunity for future generations.

Emily's closing message for anyone navigating financial hardship or transition: "You have it all already. Everything that you need you already have. Don't be afraid to take risks. Don't be afraid to take chances on yourselves."

And here's the mindset shift she practices: when you hit a snag and start losing hope, try something different. Just once, say "Maybe this is a good thing. Let me make this into a good thing."

That's how you bend reality. Not by denying your circumstances, but by reframing how you deal with them. Not by pretending your past doesn't matter, but by refusing to let it determine your future.

Guest: Emily is the founder of Numinous Capital, a venture capital firm investing in biotech, deep tech, and capital-intensive companies building between the coasts. She started her first business at nineteen and has spent her career learning how capital moves through markets—from family offices to hedge funds to venture capital.

Resources:

• Numinous Capital
• LinkedIn

Imagine you're sitting on the couch one evening, looking at your spouse, and suddenly the words just come out: "I'm exhausted. All we do is chase our responsibilities."

At some point or another, you've probably heard yourself asking: When did life become this never-ending list of tasks? When did I start scheduling heartworm medicine for the dog on my calendar but not anything that actually brings me joy? When did I forget that life is supposed to feel good sometimes?

Maybe you've tried to fix this. You've told yourself you'll relax after the next project wraps up. You've promised yourself a vacation once the kids are older, once you get that promotion, once you have more money saved. But here's what actually happens: the promotion comes, the project ends, and somehow you're just as busy, just as burned out, just as far from joy as you ever were.

Because waiting for joy to find you doesn't work. The "afters" never come. And in the meantime, you're spending 90,000 hours of your life—40 years—in the workforce, showing up busy, stressed, and depleted.

This was exactly where Lisa found herself. She grew up with a father who taught her that hard work was the badge of honor in their family. She learned early that if you don't have enough money, you work more. And she took that lesson into her corporate career as a healthcare executive, outworking everyone around her, believing that exhaustion was the price of success.

Until the night she looked at her husband and said, "I want to put something else on our calendar. Something fun. I want to chase joy like it's my job."

He looked at her confused and said, "Okay, what do you want to do?"

And she realized: she had no idea.

So she went to Home Depot, bought a giant whiteboard, brought it home, and asked her husband to hang it in their bedroom. He said, "Lisa, people don't put whiteboards in bedrooms." And she said, "We do."

That whiteboard became the place where she and her family started building a joy list—things they used to do, wanted to do, could do. And she learned that if you wait for joy to come after everything else is done, you'll be waiting forever.

If you've ever found yourself showing up to work, to your family, to your life as "busy"—if you've ever felt like you're going through the motions just to keep the wheels turning—this conversation is for you.

This is a conversation about giving yourself permission to schedule joy with the same seriousness you schedule everything else. Because here's the truth Lisa discovered: joy doesn't happen to you. You happen to it.

Guest: Lisa is a former healthcare executive turned author and speaker who teaches corporate leaders how to create impact while actually enjoying their lives. Her book "Joy Is My Job" introduces practical frameworks for building joy into busy lives.

Resources:

• Joy Is My Job
• Facebook
• LinkedIn
• Instagram
• Website

Growing up in India, Chaitra Vedullapalli watched her mother and grandmother ask men for money. Not because there wasn't enough, but because that's just how it worked. She hated it. At eight years old, she became an entrepreneur selling handkerchiefs at her mother's social gatherings. The moment cash landed in her hand and she could buy what she wanted without permission? Magical. That moment sparked a lifelong commitment to agency over money.

Chaitra spent 26 years in tech at Oracle and Microsoft, working on billion-dollar strategies. She was one of the youngest executives to reach the Oval Office, discussing multi-billion dollar contracts. But what came next defines her: founding Women in Cloud to help women entrepreneurs scale, leading capital campaigns to build community centers, investing in Hollywood films, and now building a $100 million fund.

The breakthrough? Her family's "invest formula"—a framework she and her husband developed on day one of marriage to evaluate every financial decision. Six questions: Does it generate income? Expand network? Appreciate over time? What's the exit? How protected? Tax advantages? They score every investment against these criteria, creating a common language that eliminates money fights.

But the real revelation came from Tim Ferriss's "The 4-Hour Work Week" and million-dollar mindset planning. Chaitra wrote down everything that would make her feel like a millionaire: business class travel, monthly nice dinners with her kids, experiential trips with friends, investing $50,000 quarterly in causes that matter. Then she calculated the cost. Her jaw dropped—less than $200,000. She realized if they had that base covered, everything else could flow toward impact. No stress. No zeros-chasing. Just memories and democratizing access.

Chaitra's grandmother taught her: "If you want to change the world, give the first check to that community." It's not about permission. It's about agency. Whether you're navigating financial conversations with a partner, building a business, or using money for impact, Chaitra shows that money is energy meant to flow—toward fun, your future, and the change you want to see.

Guest: Chaitra Vedullapalli, founder of Women in Cloud and technology executive with 26 years at Oracle and Microsoft

Resources:

• Women in Cloud
• Website: Chaitra Vedullapalli
• LinkedIn

What happens when you write a novel, put it in a drawer, and your adult daughter stages an intervention? In this episode, Laura welcomes Susan Kleinman, author of All Afternoon, who shares her journey from magazine writer to fiction author, and how her daughter's tough love pushed her to finally publish her book.

Susan grew up learning that money means values in action. While there were limits on clothing—no more than $15 per skirt—her mother took her to a book warehouse where Susan could fill a cart with 50-100 books. This clear message about what mattered shaped everything.

After a published cover story in college and a 10-city book tour at 25, Susan's career didn't follow the typical upward trajectory. It looked like the letter U—starting high, dropping to steady magazine work, then rising decades later. When magazines folded during the 2008 crisis, she pivoted to fiction, winning a Sarah Lawrence fellowship and drafting "All Afternoon" in 2010.

The book went through agents, rejections, COVID delays, and her father's death. At 59, Susan quit writing entirely. She made collage cards, slept late, thought she was happily retired. Then her daughter flew home: "You need to get a job. You seem aimless." Her daughter read the manuscript and insisted: "You have to get this book published." Now 61, Susan is self-publishing, learning marketing, connecting with bookstagrammers, and receiving reviews from strangers that make her cry.

Key Takeaways:

💡 Money is how you put your values into action. Susan's parents taught her this explicitly—there were strict limits on clothing, but unlimited books. This wasn't about their financial situation; it was about what mattered. Charitable giving was non-negotiable, but so was thinking deliberately about expenditures that create a life that fits who you are, not just what you want in the moment.

💡 Career paths aren't always linear. Susan's career graphed as a U, not an upward trend—high success at 25, decades of steady but quiet magazine work, then a dramatic rise again at 61. She lost work during the 2008 housing crisis when decorating magazines folded, pivoted to fiction, then quit entirely before returning. The traditional career trajectory doesn't apply to everyone.

💡 Sometimes your family sees what you can't. When Susan thought she was happily retired making cards and drinking coffee slowly, her daughter flew home and said, "This is an intervention. You need to get a job. You seem aimless." Her daughter's emotional intelligence caught what Susan couldn't see—she needed purpose and goals, not just leisure. Sometimes those who love us most can see our truth.

💡 Time is not renewable—spend it deliberately. Susan's grandfather, a European immigrant, told her at 86: "Sometimes life is very long, but even so it ends." This shaped her approach to saying yes to opportunities even when tired or crabby.

Guest: Susan Kleinman is a writer and author of All Afternoon, a novel set in 1978 about a woman confronting what she wants from life.

Resources:

• All Afternoon
• Facebook
• Instagram
• Website

What happens when you follow all the rules—save diligently, work hard, climb the corporate ladder—but lose yourself in the process? In this episode, Laura welcomes Gretchen Schoser, founder of Schoser Solutions and co-host of the podcast "Shit That Goes On In Our Heads," who shares her journey from attempted suicide on Christmas Day 2022 to launching her own consulting business focused on mental health and change management.

Gretchen's father taught her to save relentlessly. She worked at McDonald's through high school and college, put money into her 401(k) for 40 years, and did everything right financially. But beneath the surface, she was drowning. On Christmas 2022, after taking on everyone else's pain, she called 988, the suicide and crisis lifeline. A two-hour conversation saved her life.

After accepting early retirement and launching a mental health podcast, Gretchen faced another transition: starting her consulting firm. On January 2nd, she opened her LLC, funding it with $30,000 from the 401(k) she'd built over four decades.

Key Takeaways:

💡 Financial security doesn't guarantee mental health. Gretchen saved diligently for 40 years, but on Christmas 2022, she nearly didn't live to use that money. She weathered toxic jobs because she couldn't afford to leave, showing up with a smile while dying inside. Financial wellness and mental wellness must go hand-in-hand—no amount of savings is worth sacrificing your mental health.

💡 The 988 crisis line saves lives. When Gretchen was in crisis, she called 988, the suicide and crisis lifeline. You don't need to be suicidal—anyone in crisis can call. A trained professional talked with her for over two hours, saved her life, and helped her find resources. If you're struggling, 988 is available 24/7 in the US and Canada.

💡 Starting a business after 60 requires strategic planning. Gretchen used ChatGPT to calculate startup capital needs, factoring in personal expenses, projected customers, and 1099 contractor realities. She withdrew $30,000 from her 401(k)—after 59.5, you avoid early withdrawal penalties. She hired a CPA, opened business and savings accounts, and sets aside 20% of every payment for taxes.

💡 Being your own boss means being your own caretaker. Working from home makes it easy to overextend. Gretchen schedules reminders to step away, greet her spouse, and eat. She keeps overhead low, watches those $10/month subscriptions that add up, and prices below big consulting firms while protecting her time and energy.

💡 Success shifts from chasing money to making a difference. Gretchen chased money and dreams for decades. At 60, she realized she had enough: a roof, food, her spouse, security. Now success means doing what makes her happy, helping companies protect employee mental health during transitions, and being the happiest her wife has seen her in 20 years.

Guest: Gretchen Schoser is founder of Schoser Solutions, a consulting firm specializing in change management and employee mental health, and co-host of "Shit That Goes On In Our Heads" podcast. With 45 years in corporate America and expertise in UKG Recruiting and Onboarding, she's now a mental health advocate helping companies navigate transitions while protecting employee wellbeing.

Resources:

• Company Websire: schosersolutions.com
• Podcast: "Shit That Goes On In Our Heads" at shitthatgoesoninourheads.net
• 988 Suicide & Crisis Lifeline (available 24/7 in US and Canada)
• LinkedIn

What does it take to fight for what matters most and build a thriving business on your own terms? In this moving episode, Laura welcomes Alexandra Gonzalez, founder and CEO of Savvy Marketers, who shares her journey from corporate marketing executive to entrepreneur, driven by a life changing pregnancy and unwavering commitment to her values.

Alexandra's story begins with her Cuban immigrant parents who arrived in America with only the clothes on their backs, instilling in her the power of hard work, resilience, and education. After building a successful corporate career managing multi-billion dollar businesses at Johnson & Johnson, she faced the fight of her life during a high-risk twin pregnancy. Doctors recommended aborting 24 times, but Alexandra refused, fighting for her daughters through challenges.

This experience transformed her definition of success. Shortly after giving birth, she launched Savvy Marketers from her home, landing a nearly $400,000 contract with her first presentation. Over 13 years, she's built a full-service boutique agency with 8,000 square feet of space and 10 innovation labs, navigating pandemic highs and challenging quarters while never losing sight of her values.

Key Takeaways:

💡 Faith and purpose provide direction through uncertainty. Alexandra's deep spiritual foundation helped her navigate impossible medical decisions, turbulent markets, and entrepreneurship challenges. She believes we're all interconnected citizens of the same planet, and our actions impact others beyond our immediate circles, giving us responsibility to work for the greater good.

💡 Build your business in phases with financial guardrails. Alexandra self-funded Savvy Marketers, starting from home and gradually expanding from freelancers to employees, small offices to 8,000 square feet. She emphasizes planning one, three, five years out and understanding that corporate clients often pay in 90-120 day cycles, requiring careful cashflow management.

💡 Quality of time matters more than quantity. As women we are our own worst judges, we put immense pressure on ourselves to balance everything perfectly. Alexandra teaches her three daughters that success isn't about hours spent but about being fully present. Self-care must be a priority based on intention and quality, not duration.

💡 Resilience means adjusting, not abandoning. When 2024's first quarter hit hard, Alexandra sold personal items to make payroll rather than fire her team. When troubles hit at home, you don't fire your kids; you adjust and prioritize. This commitment to values over short-term gain defines authentic leadership.

💡 True success is loving what you do and being able to keep doing it. Success isn't measured by awards or monthly revenue but by waking up every day to do work you love, staying healthy, being surrounded by good people, and using your talents for something greater. Financial success means covering costs, saving, and having freedom to live meaningfully.

Guest: Alexandra Gonzalez is founder and CEO of Savvy Marketers, a full-service boutique marketing agency in Princeton, NJ. With nearly 30 years in marketing, she's managed multi-billion dollar businesses across banking, food, consumer packaged goods, e-commerce, and private equity before launching her own firm over 13 years ago.

Resources:

• Savvy Marketers: Savvy Marketers | Award Winning Marketing Agency
• Connect on LinkedIn: Alexandra Michelle Gonzalez

In this episode, Laura welcomes Amy Mullen, President of Money Quotient, for a powerful conversation about why financial literacy alone rarely leads to lasting behavior change.

Amy shares the origin story behind Money Quotient, beginning with her mother Carol Anderson. After going through a divorce that left her uncertain about her financial future, Carol transitioned from preschool teacher to financial literacy advocate. That experience ultimately sparked the creation of Money Quotient and deeply shaped Amy’s perspective on the connection between money and life design.

Growing up with parents who had completely opposite money personalities, a saver mother and a spender father, Amy learned early how deeply our financial behaviors are shaped by our experiences. Those contrasting influences helped her recognize the importance of self-awareness when making financial decisions, rather than simply repeating inherited patterns.

Amy also shares fascinating research on financial behavior. Many people seek financial education when they feel anxious or fearful about money. But once they learn something new, that anxiety decreases even if no real action has been taken. Without that emotional urgency, motivation often disappears. Sustainable behavior change, she explains, comes not from fear but from positive emotions like excitement about goals and clarity around what truly matters.

The conversation offers practical tools for women navigating financial decisions and life transitions. One powerful exercise Amy shares is the Wheel of Life, which helps break down overwhelming questions about life satisfaction into manageable areas. By identifying what brings genuine joy, purpose, and fulfillment, people can begin using those values as a guide for financial decisions instead of comparing themselves to others.

💡 Positive emotions drive sustainable change. Fear may push people to seek information, but lasting transformation happens when people feel excited about a vision for their future.

💡 Childhood money stories shape adult behavior. Amy grew up with a saver mom and a spender dad, which created conflicting spending habits. Understanding those patterns helped her make more intentional financial choices aligned with her own values.

💡 True fulfillment comes from alignment. When you align your time, energy, and money with what brings intrinsic reward, you create a deeper sense of life satisfaction.

Amy Mullen, CFP® is President of Money Quotient, Inc., an organization founded in 2001 that teaches financial professionals how to bring science to the art of relationship. In this role, Amy conducts training, provides individualized consulting, and frequently presents at national financial industry conferences on the benefits and effectiveness of a values-based approach to financial planning, understanding clients' financial motivations and how to guide them through change to create long-lasting client-planner relationships.

• Investing Your Time and Energy
• Wheel of Life Exercise
• Directory of Money Quotient Advisors
• Facebook
• LinkedIn
• Website

What happens when someone who grew up witnessing financial conflict decides to transform their relationship with money? Laura sits down with Carrie Friedberg, author of the book "At Peace With Money: A Holistic Roadmap to Financial Wellness," to explore how she moved from credit card debt and constant anxiety to becoming a money coach who helps others find their own financial peace.

Carrie grew up in a household where money was a source of tension and secrecy. Despite enjoying financial security on the surface, the misalignment between her parents around spending created an atmosphere of stress that Carrie carried into her young adult life. Living on a teacher's salary while maintaining an active social life, she found herself trapped in a cycle of credit card debt, emotional spending and profound anxiety about money.

The turning point came through an unexpected source: her yoga practice. The physical, emotional, and spiritual transformation Carrie experienced on the mat gave her the courage to seek help with her finances. After trying various approaches on her own, she discovered the power of working with a money coach who provided both practical tools and emotional support. This two-year journey didn't just change her bank account; it transformed her self-esteem, her relationships, and ultimately her career path.

Now a money coach herself, Carrie shares the essential steps for building financial wellness, from tracking your spending for at least 90 days to creating a realistic spending plan that honors both your current lifestyle and your future goals. She emphasizes that financial health isn't about deprivation or quick fixes but rather a sustainable practice that requires consistent attention and self-compassion.

💡 Money patterns often begin in childhood.
Growing up with parents who held opposing views on spending left Carrie anxious around money. She observed secrecy, conflict, and tension during everyday financial moments, which her body absorbed long before she could articulate it. Understanding these early imprints is a critical step in reshaping adult money habits.

💡 Financial wellness is a long-term practice.
Just as physical or emotional health doesn’t change overnight, neither does financial health. Carrie’s transformation unfolded over years. The reward was improved self-esteem, healthier relationships, and peace of mind.

💡 Tracking spending creates awareness and change.
The most powerful tool in Carrie’s journey was tracking every dollar she spent for at least 90 days. This practice helped her see her real habits instead of assumptions. Whether done by hand, through apps, or with a bookkeeper, the key is awareness rather than avoidance.

💡 A spending plan doesn’t require sacrificing joy.
Carrie learned that financial health doesn’t mean cutting out everything you love. By identifying non-negotiable self-care and intentionally spacing out other expenses, she shifted away from feast or famine spending.

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