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Friendship should fill you up, not drain your bank account.

This week on Women & Money: The Shit We Don’t Talk About, we’re joined by Jacqueline “Jack” Howard, the Head of Money Wellness at Ally Bank. She serves as a strategic program and communication lead to establish Ally as the leading voice in financial health and wellness, with a focus on money psychology and behavioral financial education.

In this episode, Jack opens up about the hidden financial cost of friendships. From brunches and birthday trips to FOMO-fueled spending, women often feel pressure to say yes even when it stretches their budgets. Jack shares her own experiences with scarcity mindset and credit card debt, plus the powerful shift that happens when you align your money with your values.

00:00 Introduction to Return on Joy

05:52 Introducing Jack Howard from Ally Bank

06:20 Jack Howard's Career Journey

07:58 Personal Money Stories and Behavioral Finance

16:25 The Hidden Cost of Friendship

19:24 Generational Differences in Social Spending

23:46 Creative Ways to Maintain Friendships

27:53 Navigating FOMO and Financial Transparency

34:07 Creative Low-Cost Social Activities

36:13 The Importance of Financial Values in Friendships

🎧 Listen now to learn how to protect your wallet, strengthen your friendships, and live a financially fearless life.

Jack reminds us that personal finance is personal. The key isn’t doing what everyone else is doing, it’s knowing your values and spending unapologetically on what brings you joy. Join us on Oct 23rd for our next Money Talks: How to Protect Your Financial Goals Without Sacrificing Your Social Life. Click here to register for FREE and bring your questions!

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