Money Made Human Podcast

ตอน

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  Chapter 12: When Income Isn't Standard 24.09.2026 14นาที

  Most guidance on how to budget with irregular income assumes a paycheck that arrives the same way every two weeks. Chapter 12 is where the system flexes to meet you where you actually are. That's anyone self-employed, freelancing, on commission, working overtime, or running a business where no two months look the same. It's also anyone with a perfectly steady paycheck who is living through a season that is anything but. If that's you, you may be thinking: my paychecks aren't predictable, so h...
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  Chapter 11: Growing Your SpendFlex 17.09.2026 16นาที

  Most guidance on how to free up money in your budget starts with a list of things to cut. Chapter 11 starts somewhere else, with the plan you've already built and the small places where it doesn't quite fit your life yet. By now you've been running SpendFirst for a few weeks or a few months, and your SpendFixed list has stopped being a list of bills. It's a snapshot of your life. This chapter walks through the refinements people actually make once they can see clearly. Things like the phone p...
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  Chapter 10: SpendFlex - Where Possibility Begins 10.09.2026 14นาที

  What if there were a number that told you, honestly, what your money can do for you? Once your bills are handled, your everyday spending is covered and the expenses you know are coming are planned for, whatever is left has a name. It's your SpendFlex. It's the part of your money that gets to go toward the things that actually matter to you, and it's where money stops being about survival and starts being about possibility. For most people this moment is emotional. Not because the numbers are ...
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  Chapter 9: Your First Payday Reality Check 03.09.2026 8นาที

  Here's what nobody tells you about starting something new with your money: the first time rarely goes perfectly, and that's completely okay. This chapter is the honest reality check for how to plan your first paycheck with SpendFirst, so you know exactly what to expect and don't mistake normal for failure. When you run it for real the first time, one of two things happens. Either there's money left after funding all three waves, or you realize there isn't enough to cover everything yet. Both ...
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  Chapter 8: The Number That Changes Everything 27.08.2026 10นาที

  Your bank balance is lying to you. Not on purpose, but it only counts what has already happened. It shows you a number that looks like money you can spend, when a lot of it is already spoken for by bills that haven't hit yet. If you have ever asked how much money you should have left after bills, this chapter is about the number that tells you the truth instead. There's a different number, the one that shows what will actually be yours after everything committed to this paycheck clears. That ...
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  Chapter 7: The Simple Payday Rhythm of SpendFirst 20.08.2026 9นาที

  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 is what to do on payday when you budget by paycheck. 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 m...
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  Chapter 6: SpendFuture - Planning for What Doesn't Happen Monthly 13.08.2026 12นาที

  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. That money is a sinking fund, set aside a little at a time so each expense is alrea...
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  Chapter 5: SpendFreely - Where Real Life Happens 06.08.2026 19นาที

  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 7นาที

  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. If you have ever wondered what a fixed expense actually is, this is the chapter. Today we're defining SpendFixed, the fixed expenses like rent, utilities, and subscriptions that arrive every month. Most of us carry a loose, stressful map of these in our heads. This chapte...
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  Chapter 3: The Three Ways Your Money Moves 23.07.2026 13นาที

  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 10นาที

  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. This episode is how to budget by paycheck instead of by the month. 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 cre...
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  Chapter 1: Why Traditional Budgeting Keeps Failing You 09.07.2026 15นาที

  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. The fix is not more discipline. It is to budget by paycheck instea...
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  What If You Could See Ahead? 02.07.2026 9นาที

  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 6นาที

  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 11นาที

  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 32นาที

  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 33นาที

  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 29นาที

  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 17นาที

  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 25นาที

  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...