In this episode, we sit down with Katie to break down what financial planning actually means—and why so many people mistake having accounts, savings, or income for having a real plan.

We dive into Katie’s journey into financial advising, how her own relationship with money evolved, and why the role of a financial advisor is often misunderstood.

We also unpack the difference between simply “having stuff” like a 401(k), investments, or multiple accounts versus having a strategy that supports your real life now and your future goals.

For entrepreneurs, business owners, and anyone with inconsistent income, Katie shares how to plan when cash flow changes month to month—and why the mindset of “I can always make more money” can quietly create financial stress.

We also discuss how money impacts relationships, why financial planning shouldn’t be a solo sport, and what changes when people finally get clarity and support.

This episode is for anyone who feels behind, overwhelmed, successful-but-disorganized, or ready to create more peace around money.

In This Episode:

• How Katie became a financial advisor
• The myths people believe about financial advisors
• Why having investments isn’t the same as having a plan
• Where to start if finances feel overwhelming
• Financial strategies for entrepreneurs & variable income
• Balancing future planning with enjoying life now
• How money affects relationships
• What financial planning gives you beyond numbers
• Quick money wins and common mistakes to avoid

Connect with Katie:

kschmid@primerica.com

Instagram: @heyitskatieschmid

https://www.primerica.com/kschmid

Connect with Emily:

Emily@nourishedwithemily.com

Instagram: @nourishedwithemily

Nourishedwithemily.com