Everyone's Talkin' Money

Jaksot

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  How Much Should I Have Saved by 40? 15.09.2026 28min

  How much should you have saved by 40? It’s one of those money questions that practically begs for a simple answer. Three times your salary. Check the box. Move on. Except your financial life does not work that way. In this episode of She’s Talkin’ Money, I’m breaking down why common age-based savings benchmarks can be useful as a starting point — but completely misleading when they’re treated like a verdict on whether you’re doing well or falling behind. Because someone who earned $75,000 for most of her career and just started making $150,000 should not suddenly feel like a financial failure because her “target” doubled overnight. And having $300,000 saved does not tell me nearly enough to know whether you’re actually on track. We’re talking about what matters more than an arbitrary savings multiple, including your desired retirement age, what you expect retirement to cost, whether your money is Roth or pre-tax, your debt, your liquidity, your future goals, and how much you’re consistently saving today. I’ll also explain why the question “How much should I have saved?” is often really asking something deeper: Am I okay?Am I behind?Did I wait too long?Can I still catch up?Is everyone else doing better than me? The answer is not another random benchmark. It’s having a plan. In this episode, you’ll learn: why the popular “3x your salary by 40” rule can create unnecessary panic how a major income increase can make traditional benchmarks especially misleading why $300,000 in Roth money is not the same as $300,000 in pre-tax retirement money what actually makes me concerned when someone reaches 40 why your retirement age and future spending matter more than a generic savings target how I think about saving roughly 20% of take-home pay with my clients why automating your savings matters more than obsessing over one perfect number and the questions you should ask instead of simply wondering whether you’re ahead or behind There is no magic amount you need to have saved by 40. The better question is whether your money is actually moving you toward the life you want. If you’re ready for personalized, judgment-free financial guidance, learn more about working with Shari. Shari Rash is the founder of GWA Wealth, a virtual advisory firm helping women make confident, values-aligned decisions with their money. Visit GWA Wealth to explore your next step. Shari Rash is a financial planner and Investment Adviser Representative of GWA Wealth, a Registered Investment Adviser. This podcast is for educational purposes only and is not personalized investment, tax, or legal advice. Nothing discussed should be considered a recommendation, and listening does not create an advisory relationship. Investing involves risk, including possible loss of principal. Please consult your own financial, tax, or legal professional before making decisions based on your individual circumstances. Learn more about your ad choices. Visit megaphone.fm/adchoices
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  Should I max out my 401(k)? 08.09.2026 37min

  Should you max out your 401(k)? If you’re making good money, already saving consistently, and have extra cash flow, it can feel like the obvious next step. But maxing out your 401(k) is not automatically the best financial decision — especially if most of your money is tied up in retirement accounts and you want more flexibility before age 65. In this episode of She’s Talkin’ Money, I’m breaking down how I actually think through this question with clients. We’ll talk about when employer matching matters, where Roth accounts fit in, why liquidity deserves more attention, and why a taxable brokerage account may sometimes make more sense than immediately increasing your 401(k) contribution. I’m also challenging one of the most common pieces of retirement advice: that if you’re not maxing out your 401(k), you’re somehow falling behind. Because the goal isn’t to hit an arbitrary contribution limit. The goal is to build a financial life that gives you options. We’ll cover: what I want to know before telling someone to increase their 401(k) the order I typically think about saving and investing why Roth money can be such a powerful part of your plan the difference between an emergency fund and what I call a “freedom fund” why net worth and financial flexibility are not the same thing when the tax deduction from a traditional 401(k) is actually worth prioritizing and when maxing out your 401(k) may make perfect sense If you’re in your 40s, earning well, and starting to wonder whether you really want to work the same way until traditional retirement age, this episode is for you. Don’t make yourself retirement rich and life poor. Be sure to share this episode with a friend! Shari Rash is a financial planner and Investment Adviser Representative of GWA Wealth, a Registered Investment Adviser. This podcast is for educational purposes only and is not personalized investment, tax, or legal advice. Nothing discussed should be considered a recommendation, and listening does not create an advisory relationship. Investing involves risk, including possible loss of principal. Please consult your own financial, tax, or legal professional before making decisions based on your individual circumstances. Learn more about your ad choices. Visit megaphone.fm/adchoices
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  Introducing She’s Talkin’ Money 07.09.2026 1min

  Everyone’s Talkin’ Money is now She’s Talkin’ Money. Same feed. Same host. Sharper focus. She’s Talkin’ Money is the money podcast for women doing well on paper — women who make good money, save, invest, and still wonder if they’re making the right decisions with what they have. Hosted by financial planner Shari Rash, the show goes beyond basic budgeting to talk about investing, retirement, taxes, cash, spending, financial independence, and the emotional side of money. If you’ve ever thought, “I’m doing fine… so why don’t I feel more confident?” this show is for you. Welcome to She’s Talkin’ Money. Learn more about your ad choices. Visit megaphone.fm/adchoices
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  Can I Afford to Spend More Without Screwing Up My Future? 01.09.2026 28min

  You’re saving. You’re investing. You’re doing the responsible things. So why does spending money still make you nervous? In this episode, Shari answers a question a lot of successful women quietly wrestle with: Can I afford to spend more without putting my future at risk? Using her 50/30/20 approach to needs, wants, and wishes, Shari explains how to figure out whether you actually have room to spend more, why saving aggressively can sometimes become its own form of financial fear, and how to separate real financial risks from the endless feeling that “something could happen.” You’ll learn how to put an actual number on “enough,” why your emergency fund shouldn’t also be your vacation, renovation, and everything-else fund, and what to do when the numbers say you can spend—but your brain still says you shouldn’t. Because sometimes the answer isn’t that you need to save more. Sometimes you need permission to use the money you’ve already worked so hard to build. If you’re ready for personalized, judgment-free financial guidance, learn more about working with Shari. Shari Rash is the founder of GWA Wealth, a virtual advisory firm helping women make confident, values-aligned decisions with their money. Visit GWA Wealth to explore your next step. Talkin’ Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here.  Be sure to like and follow the show on your favorite podcast app! Keep the conversation going on Instagram @everyonestalkinmoney Shari Rash is a financial planner and Investment Adviser Representative of GWA Wealth, a Registered Investment Adviser. The information provided in this podcast is for educational and informational purposes only and should not be construed as personalized investment, tax, or legal advice. Listening to this podcast does not create an advisory relationship with Shari Rash or GWA Wealth. All investments involve risk, including the potential loss of principal. Any references to specific investments, strategies, or securities are for illustrative purposes only and are not recommendations. You should consult your own financial advisor, tax professional, or attorney regarding your individual situation before making any financial decisions. Learn more about your ad choices. Visit megaphone.fm/adchoices
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  Sinking Funds, Money Shame and Single-Woman Safety Nets - Listener Q&A Part 2! 25.08.2026 30min

  In this listener Q&A episode, Shari Rash answers three real-life money questions from women trying to make smarter financial decisions without overthinking, guilt, or one-size-fits-all advice. First, how do you plan for holidays, birthdays, travel, school events, weddings, and family obligations without feeling like you are budgeting every bit of joy out of your life? Then, what if you grew up in a family where money was never discussed — and now you feel embarrassed asking basic financial questions as an adult? And finally, if you are single, own your home, and rely on one income, is a three-to-six-month emergency fund really enough? Or does it make sense to keep a larger cash cushion? Shari breaks down how to use sinking funds for predictable-but-irregular expenses, why not knowing something about money is not a personal failure, and how single women can think about emergency funds, homeownership, liquidity, and investing with more nuance. Because real financial planning is not about following generic rules perfectly. It is about knowing how those rules apply to your actual life. If you’re ready for personalized, judgment-free financial guidance, learn more about working with Shari. Shari Rash is the founder of GWA Wealth, a virtual advisory firm helping women make confident, values-aligned decisions with their money. Visit GWA Wealth to explore your next step. Talkin’ Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here.  Be sure to like and follow the show on your favorite podcast app! Keep the conversation going on Instagram @everyonestalkinmoney Shari Rash is a financial planner and Investment Adviser Representative of GWA Wealth, a Registered Investment Adviser. The information provided in this podcast is for educational and informational purposes only and should not be construed as personalized investment, tax, or legal advice. Listening to this podcast does not create an advisory relationship with Shari Rash or GWA Wealth. All investments involve risk, including the potential loss of principal. Any references to specific investments, strategies, or securities are for illustrative purposes only and are not recommendations. You should consult your own financial advisor, tax professional, or attorney regarding your individual situation before making any financial decisions. Learn more about your ad choices. Visit megaphone.fm/adchoices
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  Make It Make Cents: Listener Q&A on What to Do With a Raise, Extra Cash, and Spending Guilt 18.08.2026 29min

  In this listener Q&A episode, Shari Rash answers real money questions from women who are doing a lot right but still want more clarity around what to do next. Should a raise be saved, invested, or enjoyed? How much cash is too much cash once your emergency fund is covered? What if you are saving every month but still feel guilty spending on travel? And if you are single and managing everything on your own, should you keep a larger cash cushion than someone in a two-income household? Shari breaks down how to think through these decisions without shame, overthinking, or relying on one-size-fits-all rules. Because money should not just sit there, disappear, or make you feel guilty for using it. Money should be a tool that helps you live life on your terms. If you’re ready for personalized, judgment-free financial guidance, learn more about working with Shari. Shari Rash is the founder of GWA Wealth, a virtual advisory firm helping women make confident, values-aligned decisions with their money. Visit GWA Wealth to explore your next step. Talkin’ Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here.  Be sure to like and follow the show on your favorite podcast app! Keep the conversation going on Instagram @everyonestalkinmoney Shari Rash is a financial planner and Investment Adviser Representative of GWA Wealth, a Registered Investment Adviser. The information provided in this podcast is for educational and informational purposes only and should not be construed as personalized investment, tax, or legal advice. Listening to this podcast does not create an advisory relationship with Shari Rash or GWA Wealth. All investments involve risk, including the potential loss of principal. Any references to specific investments, strategies, or securities are for illustrative purposes only and are not recommendations. You should consult your own financial advisor, tax professional, or attorney regarding your individual situation before making any financial decisions. Learn more about your ad choices. Visit megaphone.fm/adchoices
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  The Money Scripts Women Inherit — And How to Rewrite Them 11.08.2026 26min

  A lot of the way we handle money did not start with us. It started with what we saw, heard, absorbed, and were taught to believe about saving, spending, investing, asking for help, wanting more, and talking about money. In this episode, Shari breaks down the money scripts many women inherit — and how those old beliefs can quietly shape financial decisions for years. You’ll hear how messages like “good women don’t talk about money,” “security means keeping cash,” “spending on myself is selfish,” “I should be able to figure this out alone,” and “wanting more makes me greedy” can affect the way you manage money today. This episode is not about blaming your past. It is about noticing which beliefs are still serving you — and which ones need to be rewritten. Because money should not be managed by scripts you never chose. Money should be a tool that helps you live life on your terms. If you’re ready for personalized, judgment-free financial guidance, learn more about working with Shari. Shari Rash is the founder of GWA Wealth, a virtual advisory firm helping women make confident, values-aligned decisions with their money. Visit GWA Wealth to explore your next step. Talkin’ Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here.  Be sure to like and follow the show on your favorite podcast app! Keep the conversation going on Instagram @everyonestalkinmoney Learn more about your ad choices. Visit megaphone.fm/adchoices
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  The Money Advice That Doesn’t Work for Women Who Are Doing Well on Paper 04.08.2026 27min

  Most money advice is not necessarily wrong. It is just incomplete. “Spend less than you make.” “Save more.” “Avoid debt.” “Max everything out.” “Invest aggressively.” “You should know this by now.” Those rules may sound responsible, but they do not always answer the real questions women are asking when they are already doing well on paper. In this episode, Shari Rash, founder of GWA Wealth, breaks down why generic money advice often falls short for women with income, savings, investments, taxes, goals, family responsibilities, and real-life complexity. You’ll learn: why making good money and having a plan for your money are not the same thing how common financial rules can keep you stuck and what to ask instead when basic advice no longer fits your life. Because women do not need watered-down money advice. They need advice that actually accounts for the lives they are living. Money should not be managed by generic rules that were never built for your life. Money should be a tool that helps you live life on your terms. Shari Rash is a financial planner and Investment Adviser Representative of GWA Wealth, a Registered Investment Adviser. The information provided in this podcast is for educational and informational purposes only and should not be construed as personalized investment, tax, or legal advice. Listening to this podcast does not create an advisory relationship with Shari Rash or GWA Wealth. All investments involve risk, including the potential loss of principal. Any references to specific investments, strategies, or securities are for illustrative purposes only and are not recommendations. You should consult your own financial advisor, tax professional, or attorney regarding your individual situation before making any financial decisions. Learn more about your ad choices. Visit megaphone.fm/adchoices
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  Know Exactly What to Do With Your Next Extra Dollar 28.07.2026 33min

  “I’ll save what’s left over” sounds responsible — but it usually does not work. Because most of the time, nothing is left over. Money without a plan gets absorbed into convenience, lifestyle creep, random spending, extra cash sitting in checking, or vague “I work hard, it’s fine” decisions. In this episode, Shari Rash, founder of GWA Wealth, breaks down how to decide what to do with your next extra dollar before it disappears. This is not about being rigid or budgeting every penny. It is about giving your money direction. Shari walks through a simple framework to help you decide whether extra money should protect your stability, fund something coming up, capture an opportunity, grow for the future, or support the life you actually want. You’ll learn how to think through cash reserves, investing, taxes, short-term goals, long-term wealth, lifestyle spending, and flexibility — so your next dollar has a clear job. Because every dollar does not need the same job. But every dollar does need a job. Money should not just come in and disappear. Money should be a tool that helps you live life on your terms. Talkin’ Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here.  Be sure to like and follow the show on your favorite podcast app! Keep the conversation going on Instagram @everyonestalkinmoney Shari Rash is a financial planner and Investment Adviser Representative of GWA Wealth, a Registered Investment Adviser. The information provided in this podcast is for educational and informational purposes only and should not be construed as personalized investment, tax, or legal advice. Listening to this podcast does not create an advisory relationship with Shari Rash or GWA Wealth. All investments involve risk, including the potential loss of principal. Any references to specific investments, strategies, or securities are for illustrative purposes only and are not recommendations. You should consult your own financial advisor, tax professional, or attorney regarding your individual situation before making any financial decisions. Learn more about your ad choices. Visit megaphone.fm/adchoices
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  How to Actually Feel Good About Your Money by the End of Summer 21.07.2026 26min

  You can be doing fine with money and still not feel good about it. Maybe nothing is falling apart. You’re earning, saving, paying your bills, and making responsible decisions. But there is still one money question that keeps following you around. What should I do with this cash? Should I be investing more? Am I on track? Do I need tax planning? Should I finally call a financial planner? In this episode, Shari Rash, founder of GWA Wealth, talks about how to feel better about your money by the end of summer — not by fixing everything, but by closing one open loop. You’ll learn how to identify the financial question that keeps nagging at you, separate facts from feelings, stop using research as procrastination, and choose one next step that creates real momentum. Because feeling good about money does not mean every number is perfect. It means your money is no longer one giant question mark. Money should not just accumulate, disappear, or sit there because you are unsure what to do next. Money should be a tool that helps you live life on your terms. Talkin’ Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here.  Be sure to like and follow the show on your favorite podcast app! Keep the conversation going on Instagram @everyonestalkinmoney Shari Rash is a financial planner and Investment Adviser Representative of GWA Wealth, a Registered Investment Adviser. The information provided in this podcast is for educational and informational purposes only and should not be construed as personalized investment, tax, or legal advice. Listening to this podcast does not create an advisory relationship with Shari Rash or GWA Wealth. All investments involve risk, including the potential loss of principal. Any references to specific investments, strategies, or securities are for illustrative purposes only and are not recommendations. You should consult your own financial advisor, tax professional, or attorney regarding your individual situation before making any financial decisions. Learn more about your ad choices. Visit megaphone.fm/adchoices
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  Mid-Year Money Check-In Part 2: The Year-End Decisions to Make Now 14.07.2026 29min

  The year is not over — but it is moving. In part one of the Mid-Year Money Check-In, Shari looked at cash flow, cash reserves, savings, investing, retirement accounts, and whether your money is actually doing what you want it to do. Now in part two, we are looking ahead. Because a lot of financial stress does not come from true surprises. It comes from predictable things that did not have a plan. Taxes. Holiday spending. Travel. Family obligations. Home projects. Insurance premiums. Lifestyle creep. Charitable giving. Year-end decisions. The things you keep saying you will deal with later. In this episode, Shari walks through the second half of your mid-year strategy check-in so you can stop letting predictable expenses, vague goals, and delayed decisions sneak up on you. This is not about budgeting because you are broke. This is about lifestyle planning because your life costs money — and your money deserves direction. You’ll learn: Why tax planning should not wait until next spring What to review before year-end if your income, bonus, business revenue, or investments changed How to plan for upcoming expenses before they become stressful Why predictable expenses feel chaotic when you keep pretending they are surprises How lifestyle creep shows up when your defaults quietly get more expensive Why being able to afford something does not automatically mean it is the best use of your money How to revisit your January goals without shame Why a goal that no longer fits your life is not a moral obligation How to choose one to three financial priorities for the rest of the year The goal is not to fix everything in one sitting. The goal is to create visibility, make one or two stronger decisions, and stop letting the lack of a decision become the decision. Money should not just accumulate, disappear, or sit there because you are unsure what to do next. Money should be a tool that helps you live life on your terms. If you’re ready for personalized, judgment-free financial guidance, learn more about working with Shari. Shari Rash is the founder of GWA Wealth, a virtual advisory firm helping women make confident, values-aligned decisions with their money. Visit GWA Wealth to explore your next step. Talkin’ Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here.  Be sure to like and follow the show on your favorite podcast app! Keep the conversation going on Instagram @everyonestalkinmoney Shari Rash is a financial planner and Investment Adviser Representative of GWA Wealth, a Registered Investment Adviser. The information provided in this podcast is for educational and informational purposes only and should not be construed as personalized investment, tax, or legal advice. Listening to this podcast does not create an advisory relationship with Shari Rash or GWA Wealth. All investments involve risk, including the potential loss of principal. Any references to specific investments, strategies, or securities are for illustrative purposes only and are not recommendations. You should consult your own financial advisor, tax professional, or attorney regarding your individual situation before making any financial decisions. Learn more about your ad choices. Visit megaphone.fm/adchoices
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  Mid-Year Money Check-In: Is Your Money Actually Doing What You Want? 07.07.2026 32min

  July is the perfect time to ask one important question: is your money actually doing what you want it to do? This is not about starting over, beating yourself up, or assuming the first half of the year was a financial disaster. It may have been just fine. You may be earning, saving, paying your bills, and doing a lot right. But sometimes “fine” is exactly where money gets stuck. In part one of this two-part mid-year money check-in, Shari Rash, founder of GWA Wealth, walks through how to review your cash flow, savings, and investments with more strategy and less shame. This episode is for the woman who has money coming in, is responsible with it, but still has the same questions sitting there six months later: What should I do with this cash? Should I be investing more? Am I saving too much? Am I on track? Why do I still feel like I do not have a clear plan? Shari explains why doing nothing is still a decision, why positive cash flow does not automatically mean your money has direction, and how to tell whether your cash is creating flexibility or sitting in limbo. You’ll learn: Why a mid-year check-in is about strategy, not shame How to ask what has changed — and what has not changed — since January Why making good money and having a plan for your money are not the same thing How to review where your monthly surplus is actually going Why cash needs a clear job How to tell the difference between useful cash and idle cash Why waiting for perfect confidence before investing can cost you time and money What to check in your retirement accounts, IRAs, brokerage accounts, and old 401(k)s Why your future does not need perfection — it needs participation This is part one of a two-part series. Start here by reviewing your cash, savings, and investments. Then come back next week for part two of the mid-year check-in. Money should not just accumulate, disappear, or sit there because you are unsure what to do next. Money should be a tool that helps you live life on your terms. If you’re ready for personalized, judgment-free financial guidance, learn more about working with Shari. Shari Rash is the founder of GWA Wealth, a virtual advisory firm helping women make confident, values-aligned decisions with their money. Visit GWA Wealth to explore your next step. Talkin’ Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here.  Be sure to like and follow the show on your favorite podcast app! Keep the conversation going on Instagram @everyonestalkinmoney Shari Rash is a financial planner and Investment Adviser Representative of GWA Wealth, a Registered Investment Adviser. The information provided in this podcast is for educational and informational purposes only and should not be construed as personalized investment, tax, or legal advice. Listening to this podcast does not create an advisory relationship with Shari Rash or GWA Wealth. All investments involve risk, including the potential loss of principal. Any references to specific investments, strategies, or securities are for illustrative purposes only and are not recommendations. You should consult your own financial advisor, tax professional, or attorney regarding your individual situation before making any financial decisions. Learn more about your ad choices. Visit megaphone.fm/adchoices
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  Why You Keep Buying Things You Don’t Need — And How to Spend More Intentionally EPISODE RE-RELEASE 30.06.2026 41min

  If your home, your calendar, your brain, and your credit card statement all feel a little too full, this conversation is worth revisiting. In this rereleased episode, Shari Rash sits down with Stephanie Seferian, host of Sustainable Minimalists, to talk about the connection between money, clutter, consumption, and intentional living. This is not a conversation about never shopping again or getting rid of everything you own. It is about understanding why we buy things we do not really need, how clutter can create stress and decision fatigue, and why spending more intentionally can help you feel more in control of both your home and your money. For many women, spending does not always look dramatic. It looks like Amazon orders, Target runs, seasonal decor, beauty products, convenience purchases, kids’ stuff, home stuff, and all the little things that quietly pile up — both physically and financially. Stephanie and Shari talk about how to rethink consumption without shame, how to bring more awareness to what you buy, and why creating a simpler life does not mean creating a smaller life. You’ll hear: Why minimalism does not have to mean deprivation How clutter and overspending can be connected Why we buy things we do not actually use or need How to become more intentional before bringing something new into your home Why “just a few small purchases” can still add up How to think differently about convenience, consumption, and enough What it means to build a life with more space, clarity, and purpose This episode is for anyone who feels like their stuff, spending, and schedule have gotten a little out of hand — and wants a reset that feels practical, not judgmental. Money is not just about what you earn or save. It is also about what you allow into your life, what you spend on, and whether those choices are supporting the life you actually want. If you’re ready for personalized, judgment-free financial guidance, learn more about working with Shari. Shari Rash is the founder of GWA Wealth, a virtual advisory firm helping women make confident, values-aligned decisions with their money. Visit GWA Wealth to explore your next step. Talkin’ Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here.  Be sure to like and follow the show on your favorite podcast app! Keep the conversation going on Instagram @everyonestalkinmoney Shari Rash is a financial planner and Investment Adviser Representative of GWA Wealth, a Registered Investment Adviser. The information provided in this podcast is for educational and informational purposes only and should not be construed as personalized investment, tax, or legal advice. Listening to this podcast does not create an advisory relationship with Shari Rash or GWA Wealth. All investments involve risk, including the potential loss of principal. Any references to specific investments, strategies, or securities are for illustrative purposes only and are not recommendations. You should consult your own financial advisor, tax professional, or attorney regarding your individual situation before making any financial decisions. The views expressed by guests are their own and don’t necessarily reflect the views of GWA Wealth. Learn more about your ad choices. Visit megaphone.fm/adchoices
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  Are You Saving Too Much Cash? How to Know When to Invest More 23.06.2026 42min

  Having cash feels good. It feels safe. It feels responsible. It feels like proof that you are not being reckless with money. But is there such a thing as saving too much cash? In this episode, Shari Rash, founder of GWA Wealth, breaks down how to know when cash is doing its job — and when it may be quietly holding you back. Cash is important. Emergency funds matter. Money you need soon should not be taking unnecessary market risk. But when too much of your long-term money sits in savings because investing feels uncertain, that “safe” choice may start costing you growth, flexibility, and future options. Shari explains how to tell the difference between smart cash and fear-based cash, why women who are good with money often over-save, and how to decide what money should stay safe versus what money may need to start working harder. You’ll learn: Why cash can feel emotionally safer than investing When cash is absolutely doing its job How much cash may be enough for your emergency fund and near-term goals Why too much cash can create inflation risk and opportunity cost The difference between an emergency fund and a fear fund Why single women may need to think differently about cash, independence, and flexibility How to move from cash to investing without making a dramatic money move The simple Cash Confidence Check-In to help you give every dollar a job The goal is not to drain your savings or shame yourself for holding cash. The goal is to make sure your money is doing the right job for the life you are building. Because safety is not just having money sit still. Safety is knowing your money is working in the right places. If you want help figuring out how much cash to keep, what to invest, and how to connect all of it to your real goals, learn more about working with Shari Rash at GWA Wealth at gwawealth.com. Follow Everyone’s Talkin’ Money on your favorite podcast app and continue the conversation on Instagram @everyonestalkinmoney⁠ Talkin’ Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here.  Be sure to like and follow the show on your favorite podcast app! Shari Rash is a financial planner and Investment Adviser Representative of GWA Wealth, a Registered Investment Adviser. The information provided in this podcast is for educational and informational purposes only and should not be construed as personalized investment, tax, or legal advice. Listening to this podcast does not create an advisory relationship with Shari Rash or GWA Wealth. All investments involve risk, including the potential loss of principal. Any references to specific investments, strategies, or securities are for illustrative purposes only and are not recommendations. You should consult your own financial advisor, tax professional, or attorney regarding your individual situation before making any financial decisions. Learn more about your ad choices. Visit megaphone.fm/adchoices
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  Why Being “Good With Money” Still Doesn’t Mean You Feel Confident 16.06.2026 34min

  A lot of women are doing the “right” things with money. They have the job. They save. They avoid bad debt. They keep money in the bank. They are responsible. But they still do not feel confident. In this episode, Shari Rash talks with Michelle Taylor, founder of Women In Wealth and host of Talk Wealthy to Me, about the disconnect so many women feel with money: technically doing well, but still feeling unsure, behind, or afraid to make the next move. Michelle shares how our early money stories shape the way we save, spend, invest, and ask for help. She and Shari talk about why women often receive money advice that does not account for the reality of their lives, including career pressure, caregiving, emotional labor, entrepreneurship, family expectations, and the desire to feel safe. They also dig into why keeping too much cash can feel responsible while quietly holding you back, why debt is not always bad when used strategically, and why the right financial community or advisor can help you move from “I’m good with money” to “I actually feel confident about what I’m doing.” You’ll hear: Why women can do the right things financially and still feel uncertain How childhood money conversations become adult money beliefs Why money advice from well-meaning family members may not fit your actual life How to start more honest money conversations with friends Why cash can feel comforting but still cost you growth The difference between being responsible with money and being confident with money Why women need financial spaces where they can ask questions without shame How to find advice that supports your life, your goals, and your version of security This conversation is for the woman who has worked hard, saved money, avoided obvious mistakes, and still wonders, “Am I actually doing this right?” Because being good with money is not the finish line. Feeling clear, confident, and supported is what changes everything. If you’re ready for personalized, judgment-free financial guidance, learn more about working with Shari. Shari Rash is the founder of GWA Wealth, a virtual advisory firm helping women make confident, values-aligned decisions with their money. Visit GWA Wealth to explore your next step. Talkin’ Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here.  Be sure to like and follow the show on your favorite podcast app! Keep the conversation going on Instagram @everyonestalkinmoney Shari Rash is a financial planner and Investment Adviser Representative of GWA Wealth, a Registered Investment Adviser. The information provided in this podcast is for educational and informational purposes only and should not be construed as personalized investment, tax, or legal advice. Listening to this podcast does not create an advisory relationship with Shari Rash or GWA Wealth. All investments involve risk, including the potential loss of principal. Any references to specific investments, strategies, or securities are for illustrative purposes only and are not recommendations. You should consult your own financial advisor, tax professional, or attorney regarding your individual situation before making any financial decisions. The views expressed by guests are their own and don’t necessarily reflect the views of GWA Wealth. Learn more about your ad choices. Visit megaphone.fm/adchoices
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  Build a Summer Spending Plan That Lets You Spend Without Regret 09.06.2026 40min

  Summer has a way of making everyone a little looser with money. Dinners, trips, long weekends, weddings, beauty appointments, beach days, concerts, random Target runs, and that very dangerous sentence: “It’s summer, I’m just going to enjoy it.” And honestly? You should enjoy it. But enjoying summer without a plan can turn into an August credit card statement that makes you wonder, “Wait… did I have THAT much fun?” In this episode, Shari walks you through how to build a summer spending plan that lets you spend on purpose without making summer feel restrictive, boring, or guilt-filled. This is not about tracking every tiny purchase or creating a budget that yells at you. It’s about deciding what you actually want your money to do this summer before your calendar, your group chat, your family obligations, and your exhaustion make those decisions for you. Shari breaks down why traditional budgets often fall apart in summer, how to use flexible spending ranges instead of rigid numbers, and the five summer spending categories she would actually use: travel and weekends, family/friends/obligations, food and convenience, social life, and personal joy and ease. You’ll learn: Why summer spending feels different from the rest of the year The two questions to ask before setting any summer spending number Why “permission without a plan” leads to regret How to use spending ranges instead of strict budget categories Why planned spending deserves to be enjoyed How to choose one guilt-free yes and one clear boundary for summer How to do a 15-minute summer spending setup before the season gets away from you This episode is for the woman who wants to enjoy summer without entering fall with a black cloud of money doom hanging over her head. You can spend money and still be responsible. Those are not opposing values. Grab the free Summer Spending Plan at everyonestalkinmoney.kit.com/summerplan Want support sticking with this kind of system all season long? Check out the Everyone’s Talkin’ Money Club, where podcast episodes become tools, routines, community, and real money decisions. Follow Everyone’s Talkin’ Money on Instagram ⁠@everyonestalkinmoney⁠ and let Shari know what you’re spending guilt-free on this summer. If you’re ready for personalized, judgment-free financial guidance, learn more about working with Shari. Shari Rash is the founder of GWA Wealth, a virtual advisory firm helping women make confident, values-aligned decisions with their money. Visit GWA Wealth to explore your next step. Talkin’ Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here.  Be sure to like and follow the show on your favorite podcast app! Shari Rash is a financial planner and Investment Adviser Representative of GWA Wealth, a Registered Investment Adviser. The information provided in this podcast is for educational and informational purposes only and should not be construed as personalized investment, tax, or legal advice. Listening to this podcast does not create an advisory relationship with Shari Rash or GWA Wealth. All investments involve risk, including the potential loss of principal. Any references to specific investments, strategies, or securities are for illustrative purposes only and are not recommendations. You should consult your own financial advisor, tax professional, or attorney regarding your individual situation before making any financial decisions. Learn more about your ad choices. Visit megaphone.fm/adchoices
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  Why Your Budget Keeps Failing — And the Automatic System That Actually Works 02.06.2026 33min

  Budgeting has a branding problem. For a lot of people, it feels restrictive, shame-filled, tedious, and honestly kind of like financial punishment. But what if the problem is not you? What if the problem is that what you’ve been calling budgeting is really just tracking where your money already went? In this episode, Shari Rash, founder of GWA Wealth, talks with Shana and Vanessa of Budget Besties and the Financial Coaching for Women Podcast about why traditional budgeting fails so many people and what actually makes a money system stick. They explain why tracking every transaction is not the same thing as budgeting, why checking your bank account and hoping for the best is not a plan, and why separating your money into spending and savings buckets can create more freedom, not less. You’ll hear how their digital envelope system works, why annual and irregular expenses are usually the things that blow up your budget, and how automation can help you stop relying on willpower. They also get into the credit card points debate, why using a credit card can make it harder to stick to a budget, and why nobody built real wealth from points alone. Cute perk? Maybe. Financial plan? Absolutely not. Check out Shana and Vanessa's Free Money Stress Quiz You’ll hear: Why budgeting feels so shame-filled for so many people The difference between tracking and true budgeting Why your budget needs to include annual and irregular expenses How digital spending buckets can replace old-school cash envelopes Why separating bills from spending can create more clarity How to automate bills, savings, spending, and investing Why credit card points may not be worth it if they keep you disconnected from your numbers The simple first step Shana and Vanessa recommend if your budget has never worked before If you’ve tried budgeting and felt like you failed, this conversation will help you see that maybe the system failed you. Budgeting should not be about obsessing over every transaction. It should be about giving your money a job before it disappears. If you want help building a financial plan that connects your cash flow, investing, savings, and bigger life goals, learn more about working with Shari Rash and GWA Wealth at gwawealth.com. Follow Everyone’s Talkin’ Money on your favorite podcast app so you never miss an episode, and keep the conversation going on Instagram @everyonestalkinmoney Shari Rash is a financial planner and Investment Adviser Representative of GWA Wealth, a Registered Investment Adviser. The information provided in this podcast is for educational and informational purposes only and should not be construed as personalized investment, tax, or legal advice. Listening to this podcast does not create an advisory relationship with Shari Rash or GWA Wealth. All investments involve risk, including the potential loss of principal. Any references to specific investments, strategies, or securities are for illustrative purposes only and are not recommendations. You should consult your own financial advisor, tax professional, or attorney regarding your individual situation before making any financial decisions. The views expressed by guests are their own and don’t necessarily reflect the views of GWA Wealth. Learn more about your ad choices. Visit megaphone.fm/adchoices
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  What Is a Roth Conversion — And How Can You Do It Wrong? 27.05.2026 43min

  Roth conversions sound smart. Tax-free growth, tax-free withdrawals later, more flexibility in retirement — what’s not to like? Well… the tax bill today. That part. In this episode, Shari Rash, founder of GWA Wealth, breaks down what a Roth conversion actually is, how it works, and why “tax-free later” does not mean “free today.” A Roth conversion can be a powerful planning tool, but it can also backfire if you convert too much, do it in the wrong year, ignore the pro-rata rule, forget about Medicare premiums or other income-based thresholds, or assume you can undo it later. Shari explains the difference between a Roth contribution, a Roth conversion, and a backdoor Roth, why the conversion amount usually gets added to your taxable income for the year, and why a large pre-tax retirement balance usually means you need a better plan — not a bigger conversion. You’ll hear: What a Roth conversion is and how it differs from a Roth contribution Why the conversion amount is not the tax bill, but may be taxable income How converting too much in one year can create a bigger tax bill than expected Why the pro-rata rule can make a backdoor Roth less clean than it sounds Why outside cash to pay the taxes matters How Medicare premiums, five-year rules, and tax brackets can affect the decision Why Roth conversions should come from a projection, not a podcast-induced burst of motivation The biggest takeaway: do not hear “Roth conversion” and think, “I should do that.” Hear “Roth conversion” and think, “This is something worth analyzing.” This episode is for educational and informational purposes only and is not individualized financial, investment, tax, legal, or accounting advice. Before making decisions about Roth conversions, retirement accounts, taxes, or investments, talk with a qualified financial professional or tax professional who understands your full situation. If you want help building a financial plan that connects your income, taxes, retirement accounts, investments, and long-term goals, visit ⁠GWA Wealth⁠ to explore your next step. Follow Everyone’s Talkin’ Money on your favorite podcast app so you never miss an episode, and keep the conversation going on Instagram @everyonestalkinmoney⁠ If you’re ready for personalized, judgment-free financial guidance, learn more about working with Shari. Shari Rash is the founder of GWA Wealth⁠⁠ a virtual advisory firm helping women make confident, values-aligned decisions with their money. Talkin’ Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here.  Be sure to like and follow the show on your favorite podcast app! Shari Rash is a financial planner and Investment Adviser Representative of GWA Wealth, a Registered Investment Adviser. The information provided in this podcast is for educational and informational purposes only and should not be construed as personalized investment, tax, or legal advice. Listening to this podcast does not create an advisory relationship with Shari Rash or GWA Wealth. All investments involve risk, including the potential loss of principal. Any references to specific investments, strategies, or securities are for illustrative purposes only and are not recommendations. You should consult your own financial advisor, tax professional, or attorney regarding your individual situation before making any financial decisions. Learn more about your ad choices. Visit megaphone.fm/adchoices
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  The Tax Strategy High Earners Are Missing: How to Stop Playing Defense With the IRS 22.05.2026 42min

  Taxes are not just something you deal with once a year when it is time to file. For high earners, business owners, and investors, taxes are part of the bigger wealth-building strategy. In this episode, Shari Rash talks with CPA and tax strategist Catrina M. Craft about how to stop playing defense with the IRS and start thinking more proactively about tax strategy. Catrina explains why the tax code often creates more opportunities for business owners and investors, why high-earning W-2 employees may feel limited but are not completely out of options, and how Roth accounts, HSAs, real estate, business structure, and proactive planning can all play a role in a smarter tax picture. They also talk about the difference between an accountant, a bookkeeper, a CPA, and a tax strategist, why waiting until March or April is usually too late for meaningful tax planning, and why deductions are not free money. You’ll hear: Why tax filing and tax strategy are not the same thing Why high earners need to stop treating taxes like a once-a-year event What W-2 employees can still consider when they feel stuck How Roth 401(k)s, backdoor Roth strategies, and HSAs may fit into long-term planning Why business owners need to understand entity structure, deductions, documentation, and ordinary and necessary expenses Why spending money just for a tax deduction can backfire How to think about tax planning as part of your larger financial strategy This episode is for educational and informational purposes only and is not individualized financial, investment, tax, legal, or accounting advice. Before making tax, investment, retirement, business, or entity-structure decisions, consult with qualified professionals who understand your specific situation. If you want help building a financial plan that connects your income, investing, taxes, cash flow, and long-term goals, learn more about working with Shari Rash and ⁠GWA Wealth⁠ by visiting gwawealth.com. Follow Everyone’s Talkin’ Money on your favorite podcast app so you never miss an episode, and keep the conversation going on Instagram @everyonestalkinmoney⁠ Talkin’ Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here.  Be sure to like and follow the show on your favorite podcast app! Shari Rash is a financial planner and Investment Adviser Representative of GWA Wealth, a Registered Investment Adviser. The information provided in this podcast is for educational and informational purposes only and should not be construed as personalized investment, tax, or legal advice. Listening to this podcast does not create an advisory relationship with Shari Rash or GWA Wealth. All investments involve risk, including the potential loss of principal. Any references to specific investments, strategies, or securities are for illustrative purposes only and are not recommendations. You should consult your own financial advisor, tax professional, or attorney regarding your individual situation before making any financial decisions. The views expressed by guests are their own and don’t necessarily reflect the views of GWA Wealth. Learn more about your ad choices. Visit megaphone.fm/adchoices
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  Before Summer Gets Expensive, Do This Money Reset 19.05.2026 32min

  Summer spending can feel casual… until the trips, camps, dinners, Target runs, kid expenses, travel plans, and “let’s just enjoy it” purchases start stacking up. In this episode, Shari Rash walks you through the money reset you need before summer gets expensive. Because the problem usually isn’t one dinner, one weekend away, or one camp payment. The problem is everything piling up without a clear plan. You’ll learn how to figure out what is actually safe to spend this summer, why summer tends to expose the weak spots in your money system, and how to stop letting your calendar, your kids, the group chat, and your own exhaustion make your money decisions for you. Shari breaks down her simple Clean Up, Clarify, Choose framework so you can clean up what’s already leaking, clarify what money is actually available, and choose what matters most before summer chooses for you. You’ll hear why your safe-to-spend number is not your checking account balance or your credit card limit, how to plan for predictable summer expenses you may be treating like surprises, why flexible spending ranges work better than rigid budgets, and how a weekly 10-minute money check-in can help you avoid the post-summer financial hangover. This episode is not about making summer boring or cheap. It’s about making summer clear, intentional, and actually enjoyable. Grab the free Summer Money Reset Plan at everyonestalkinmoneypodcast.com/1529 or click here. If you want support staying consistent with this kind of work, check out the Everyone’s Talkin’ Money Club, where we turn podcast conversations into routines, resources, accountability, and support. Follow Everyone’s Talkin’ Money on your favorite podcast app so you never miss an episode, and keep the conversation going on Instagram @everyonestalkinmoney. If you’re ready for personalized, judgment-free financial guidance, learn more about working with Shari. Shari Rash is the founder of GWA Wealth, a virtual advisory firm helping women make confident, values-aligned decisions with their money. Visit GWA Wealth to explore your next step. Talkin’ Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here.  Be sure to like and follow the show on your favorite podcast app! Keep the conversation going on Instagram @everyonestalkinmoney Shari Rash is a financial planner and Investment Adviser Representative of GWA Wealth, a Registered Investment Adviser. The information provided in this podcast is for educational and informational purposes only and should not be construed as personalized investment, tax, or legal advice. Listening to this podcast does not create an advisory relationship with Shari Rash or GWA Wealth. All investments involve risk, including the potential loss of principal. Any references to specific investments, strategies, or securities are for illustrative purposes only and are not recommendations. You should consult your own financial advisor, tax professional, or attorney regarding your individual situation before making any financial decisions. Learn more about your ad choices. Visit megaphone.fm/adchoices