Money Made Human Podcast

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  Chapter 7: The Simple Payday Rhythm of SpendFirst 20.08.2026 9Min.

  What if managing your money came down to one short routine you run every payday, and then you were done? No daily tracking, no checking your balance ten times, no guessing what's left. That's what this chapter is about, and it's the point where the whole system starts to feel light. Once the three waves are in place, every payday follows the same three moves. Your paycheck lands: your bills stay put, your everyday spending moves to its own account, and your savings for the irr...
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  Chapter 6: SpendFuture - Planning for What Doesn't Happen Monthly 13.08.2026 12Min.

  Here's the wave that makes so many capable, responsible people feel like they just can't get ahead. You have a good month, put a little toward a card, and then the tires and the vet bill land in the same week and it's gone. In this episode, Kelsa reads Chapter 6 of SpendFirst, about SpendFuture, the money you set aside for the expenses that don't show up every month and always seem to arrive at the worst time. You'll meet Rachel, who kept getting close to ahead and then getting knocked back, ...
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  Chapter 5: SpendFreely - Where Real Life Happens 06.08.2026 19Min.

  If you feel a little pang of guilt almost every time you spend money, that guilt was never really about your choices. It's about a hundred small purchases with no clear place to put them, so every one turns into a question. This chapter is about SpendFreely, the everyday spending that moves with your life. The groceries, the gas, the coffee, the Target run that somehow covers four “categories” but was really just a Tuesday. Traditional budgeting tries to slice this part of your life into smal...
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  Chapter 4: SpendFixed - Your Monthly Commitments 30.07.2026 7Min.

  If you’ve ever felt fine at the start of the month and strangely broke by the middle of it, this is for you. There is a clear reason for that mid-month squeeze, and it comes down to timing you’ve never been shown how to see. Today we're defining SpendFixed, the commitments like rent, utilities, and subscriptions that arrive every month." Most of us carry a loose, stressful map of these in our heads. This chapter is about setting that map down so you can breathe. When you see your bills by due...
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  Chapter 3: The Three Ways Your Money Moves 23.07.2026 13Min.

  Some months your money feels calm, and some months it feels like chaos, even when your paycheck stays exactly the same. This week on the podcast I'm reading Chapter 3 of my book, SpendFirst®. It's the chapter where a lot of people finally set down the self-blame and see that their system was the thing missing all along. Most budgeting sorts your spending by category: housing, food, fun. And the piece it leaves out is the one that actually gets to you, which is timing. When you start looking a...
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  Chapter 2: The Heartbeat of SpendFirst - Your Paycheck Rhythm 16.07.2026 10Min.

  Does your budget feel like it’s fighting your calendar? Most financial advice tells us to plan in 30-day blocks, but your life happens paycheck to paycheck. In this episode, we dive into Chapter 2 of SpendFirst to explore the Paycheck Rhythm, the simple but transformative shift that turns your budget from a chore into the heartbeat of your financial system. You’ll learn: The Monthly Myth: Why traditional calendar budgeting creates unnecessary stress.Finding Your Rhythm: How to sync your money...
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  Chapter 1: Why Traditional Budgeting Keeps Failing You 09.07.2026 15Min.

  If you’ve tried budgeting apps, spreadsheets, and rules and still ended up unsure, this is the episode that explains why, and why it was never a flaw in you. Kelsa Dickey reads Chapter 1 of SpendFirst, including the story of Jessie and Joe, a capable couple doing everything “right” and still drowning. The problem was never discipline. It was that traditional budgeting never helped them see how their money actually moves. Press play, then subscribe so you don’t miss Chapter 2 next ...
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  What If You Could See Ahead? 02.07.2026 9Min.

  This is where it begins. In the Introduction to SpendFirst, I'm reading the opening of my new book and laying out the premise the whole season is built on: You can manage almost anything in your life, so why does money still feel like a guessing game? The answer isn’t more discipline. It’s finally being able to see how your money moves, today, next paycheck, and three months from now. If you’ve tried the apps, the spreadsheets, and the rules and still felt unsure, this episode reframes ...
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  Welcome to Money Made Human 25.06.2026 6Min.

  The Financial Coach Academy Podcast is now Money Made Human, and Season 2 starts here. In this short welcome episode, Kelsa Dickey shares what the new show is about and what makes this season different from anything she’s done before: an entire season spent reading her book, SpendFirst, one chapter a week, in her own voice. If money has ever felt like a guessing game even though you’re capable everywhere else in your life, this is the season to be here. Press play, then subscribe ...
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  Goodbye Season 1 18.06.2026 11Min.

  This is the final episode of the Financial Coach Academy Podcast and the final episode of Season 1. Starting June 25, this show becomes Money Made Human. In this episode, we’re talking about what 157 episodes built, sharing the story of a listener who changed how I see this show, explaining why the name is changing, and laying out what’s coming in Season 2: The full SpendFirst® book, read chapter by chapter, one per week, in my voice, before it launches November 11. Same feed, same Thursdays,...
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  Why Conference Fears Are Actually Reasons Financial Coaches Should Attend (with Philip Taylor) 15.06.2026 32Min.

  Every year the same hesitations come up when I talk to coaches about conferences: I won't know anyone. It's too expensive. I'm not far enough along. I don't have time. I can probably learn all of it online anyway.This week I'm replaying my conversation with Philip Taylor, CPA, entrepreneur, and founder of FinCon, with a fresh intro and outro for FinCon 2026. Philip has watched thousands of financial professionals walk through those exact hesitations, and we work through al...
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  156. How to Prepare for a Conference (So You Don't Waste $4,000) 11.06.2026 33Min.

  Someone on Reddit spent more than $4,000 on a conference and came home with six business cards on their desk and nothing else. No meetings booked, no follow-up calls scheduled, no real conversations. They did all the things people tell you to do: They worked the expo floor, sat through the sessions, showed up to the networking cocktail hour. And they still felt like they had lit that money on fire. Their question was simple, and it is one I hear from coaches all the time: What do you actually...
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  155. How to Connect With People Who Need You (When You Feel Like You've Tried Everything) 04.06.2026 29Min.

  A few weeks ago, an email came across my desk from a financial coach who said she'd never struggled this much to make something work. She'd been posting consistently, running webinars, building a community, and getting engagement on every post. And she had zero coaching clients and six months of runway left. Her friends and family were telling her there wasn't a market for financial coaching and she should go back to her corporate job. We got on a call. The session went deeper than tactics li...
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  154. The One Question That Simplifies Every Business Decision 28.05.2026 17Min.

  Every business decision you make has three stakeholders, and most coaches only think about one or two of them. That's usually why the decisions feel so hard. Pricing, marketing, who to hire, what to say yes to, what to say no to. If you've been going back and forth on a decision for weeks (or months), the problem is rarely the decision itself. It's that you don't have a clear way to think about it. In this episode, I teach you the Three Lens Framework, the thinking tool I use for every busine...
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  What You Need (and Don't Need) to Be a Financial Coach 21.05.2026 25Min.

  If you've been thinking about starting a financial coaching practice, there’s probably a list running in the back of your mind. The certification you should probably get. The website you need to build. The LLC you think you're supposed to file. The handful of topics you still need to master before you'd feel ready to call yourself an expert. I had that same list almost two decades ago, when I was still working in corporate America and trying to figure out how to make the leap. I spent so much...
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  153. The 4-Stage Client Journey Every Financial Coach Needs to See 14.05.2026 20Min.

  Every client you work with moves through a journey. The situations are always different, but the stages are remarkably consistent. I’ve watched them unfold across hundreds of clients over nearly two decades, and at some point I started giving them language. In this episode, I walk through the four stages I see every client move through when they start working on their money: See Clearly, Stand Firm, Own It, and Build Forward. I talk about what the client is experiencing at each stage, what th...
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  152. The Framework That Changed How I Coach 07.05.2026 16Min.

  Your client just made a choice you wouldn't have made. You walked them through the options. You built the understanding. They applied it, reflected on it, and came back with their decision. And it's not the one you would have picked. What you do in the next thirty seconds is the real test of whether you're coaching or telling. This is the kind of moment the Clarity–Application–Commitment framework is built for. It's the three-phase framework I've used in every coaching conversation for years,...
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  151. Inside the Session: Three Things to Notice in a Real Coaching Session 30.04.2026 15Min.

  Last week you listened to a real coaching session with Lauren, a financial coach working through competing goals, limited margin, and a jumbled mind full of priorities she couldn't rank. This week I want to give you something to do with what you heard. I'm pulling three takeaways from Lauren's session: one for newer coaches, one for coaches who've been at this a while, and one for experienced practitioners who want to sharpen how they see their own work. They look like three different skills....
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  150. A Real Coaching Session on Prioritizing Financial Goals (Part 1) 23.04.2026 1Std. 22Min.

  Lauren is a financial coach. She knows exactly what she'd tell a client who was juggling competing financial goals with limited margin. She'd say: pick one. Prioritize. Stop trying to do everything at once. And yet, when it came to her own money (her IVF goal, her emergency fund, her coaching business, her serving job she was ready to leave) everything felt jumbled. In this Client Seat episode, I coach Lauren through what happens when you stop trying to figure out all the things and start cho...
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  149. How to Make Financial Progress Visible 16.04.2026 22Min.

  Coaches are really good at helping clients build plans, organize their money, set goals, and adjust their behavior. These are excellent things. But something that comes up in almost every coaching relationship, usually several months in, is this: “I think things are okay. I mean, we're getting by. But I don't really know if we're ahead or behind.” The client is still doing the work. Still showing up. Still trying. But the enthusiasm isn't what it was, and they can't quite tell whether any of ...