Afleveringen
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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.
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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.
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Zijn er afleveringen die ontbreken?
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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.
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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.
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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.
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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 -
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.
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Have you ever looked at your bank account or credit card bill and thought, “Wait…where did it all go?” You didn’t book a luxury vacation. You didn’t buy anything wildly irresponsible. You were just living your life — grabbing dinner, ordering the kid thing, paying for subscriptions, making the Target run, upgrading the trip, saying yes to the social plan — and somehow, your money disappeared.
In this episode, Shari is breaking down the hidden expenses high earners often miss and why these money leaks can be so hard to catch. Because for women who make good money, the issue usually isn’t one dramatic purchase. It’s the quiet patterns: convenience creep, forgotten subscriptions, lifestyle upgrades, emotional micro-spending, and social or family spending that was never actually planned for.
You’ll learn why income can camouflage spending leaks, how “it’s only $15” becomes a real category, why convenience is not the enemy but reactive convenience is expensive, and how to sort your spending into what supports your life, what’s neutral, and what’s just background noise draining your money.
You’ll also walk away with a simple 20-minute money audit you can do this week to find real breathing room without cutting everything fun out of your life.
Because the goal is not to spend as little as possible. The goal is to make sure your money is actually supporting the life you say you want.
Grab the $1,000 Leak Finder at https://everyonestalkinmoney.kit.com/moneyleaks
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.
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Taxes may not be the most exciting part of your financial life, but if you’re earning well, investing, running a business, or trying to build wealth, they cannot be a once-a-year panic event.
In this episode, Shari breaks down the tax mistakes that can quietly slow down your wealth-building progress. Because while most people think about taxes only when it’s time to file, the real opportunities often happen months earlier, before you sell an investment, change retirement contributions, receive business income, make a major purchase, or realize your income has changed.
Shari explains why the goal is not always to pay the lowest tax bill possible today, why deductions are not free money, how investment and retirement decisions connect to your tax strategy, and why business owners especially need to stop treating gross revenue like spendable income.
You’ll hear:
Why tax filing is looking backward, but tax planning is looking forward
The difference between saving on taxes and making smart long-term financial decisions
Why avoiding capital gains can sometimes keep you stuck in investments that no longer fit
How retirement contributions can affect both your current and future tax picture
Why business income needs a clearer system before tax season hits
How to start thinking about taxes as part of your bigger wealth 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, or business decisions, consult with a qualified professional who understands your specific situation.
If you want help building a financial plan that connects your income, investing, cash flow, taxes, and long-term goals, learn more about working 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
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.
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What if making more money isn’t actually solving your money stress?
In this episode, Shari is breaking down why a higher income doesn’t automatically create more clarity, confidence, or control. Because here’s the truth: more money can help, but only if your system knows what to do with it. Otherwise, that extra income can quietly disappear into lifestyle creep, convenience spending, emotional spending, and the same patterns that made money feel messy in the first place.
Shari walks through why high earners can still feel behind, why raises and bonuses often get absorbed faster than expected, and what to do when your income looks good on paper but your financial life still feels unclear.
You’ll learn how to give new income a job before it arrives, create a safe-to-spend number, separate lifestyle spending from identity spending, and build money systems that do the work even when your willpower is gone by Thursday.
You’ll hear:
Why making more money doesn’t automatically fix financial chaos
How lifestyle creep becomes invisible before you realize it
The three places to look when your income is solid but your money still feels off
Why your “safe to spend” number can reduce guilt and anxiety
How to tell the difference between intentional lifestyle spending and identity spending
Why systems beat willpower every time
How to stop letting extra income disappear without a plan
If you’re earning well but still wondering where your money went, this episode will help you stop blaming yourself and start looking at the system underneath it all. Because your money should feel as good as your income looks on paper — and if it doesn’t, that is fixable.
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.
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If you’ve been telling yourself, “This is the year I’m finally going to start investing,” but somehow another month goes by and you still haven’t done anything, this episode is for you.
Investing hesitation is almost never about intelligence. It’s about uncertainty. What if you pick the wrong thing? What if the market drops? What if you should be doing something else with the money first? And when every decision feels high-stakes, it’s easy to stay stuck in research mode and call it being responsible.
In this episode, Shari Rash, founder of GWA Wealth, breaks down where to actually start if you want to invest this year. You’ll learn the investing order of operations, why cash reserves matter before you start putting money into the market, how to think about employer matches, IRAs, Roth IRAs, taxable brokerage accounts, and why consistency usually matters more than picking the “perfect” investment.
You’ll also hear why sitting on too much cash can quietly cost you, how to think about investing when you still have debt, and why the goal is not to become obsessed with investing — it’s to build a plan you can actually stick with.
You’ll hear:
Why smart women delay investing even when they know they “should” start
The three-question filter to help you know what money is ready to invest
The investing starter path: cash base, employer match, IRA or Roth IRA, and taxable brokerage
Why time in the market matters more than trying to time the market
How to stop letting fear of the wrong move keep your money sitting on the sidelines
If you want help building a personalized investing plan for your actual life — your income, your taxes, your goals, your timeline, and your real-world decisions — learn more at gwawealth.com. This is exactly the work Shari does with women who are doing well on paper but want to feel more confident and in control of 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!Keep the conversation going on Instagram @everyonestalkinmoney
This episode is provided for informational and educational purposes only and should not be construed as personalized financial, investment, tax, or legal advice. The information discussed is general in nature and may not be appropriate for your specific financial situation, goals, risk tolerance, or time horizon. Investing involves risk, including the potential loss of principal. Past performance is not indicative of future results. References to retirement accounts, Roth IRAs, traditional IRAs, taxable brokerage accounts, employer retirement plans, dollar-cost averaging, asset allocation, or other financial strategies are intended as general education and should not be interpreted as a recommendation to buy, sell, or hold any specific security or investment product.
GWA Wealth is a registered investment adviser. Advisory services are offered only to clients or prospective clients where GWA Wealth and its representatives are properly licensed or exempt from registration. Nothing in this episode should be considered an offer to sell or a solicitation of an offer to buy any securities or advisory services. For more information about GWA Wealth, including services, fees, and conflicts of interest, please review the firm’s Form ADV Part 2A and related disclosures.
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Have you ever looked at your bank statement and wondered where your money actually went?
Not in a dramatic, “I’m terrible with money” way—but in a quiet, uncomfortable way. The kind where you realize your spending doesn’t quite reflect what you say matters most to you.
You say you value freedom, connection, growth, or security. But your transactions tell a different story—subscriptions you forgot about, convenience spending that adds up, and impulse purchases that slowly crowd out the things you truly care about. And that gap between your values and your spending? It’s not just costing you money. It’s costing you progress toward the life you actually want.
In this episode, Shari Rash, founder of GWA Wealth, walks you through a simple but powerful framework to identify your core values, audit your spending, and make strategic shifts so your money starts working in alignment with your priorities.
You’ll learn how to categorize your spending into aligned, neutral, and misaligned purchases, why restriction rarely works, and how small changes—like values-based spending buckets, a wait-to-buy rule, and automated transfers—can create clarity and confidence with your money. This isn’t about budgeting harder or cutting everything out. It’s about spending with intention.
You’ll walk away with a clearer understanding of what matters most to you, how your current spending patterns support—or sabotage—those priorities, and practical steps to make your money feel more purposeful and aligned.
If you’re ready to turn these ideas into action and build systems that make your money easier to manage, join the Everyone’s Talkin’ Money Club. It’s where we take these conversations deeper with live support, practical tools, and a community of women working toward the same goals. You can learn more and join us at everyonestalkinmoneypodcast.com.
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.
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You filed your taxes, hit submit, and finally took a breath. But filing your return isn’t the finish line—it’s the starting signal.
Most people close the folder, move on with their lives, and don’t think about taxes again until next year. That’s exactly why tax season keeps feeling stressful, confusing, and expensive. Your tax return isn’t just paperwork. It’s information. It’s a snapshot of every financial decision you made last year—and a roadmap for what to do differently going forward.
In this episode, Shari Rash, walks you through the five money moves to make after you file your taxes so you can start this year smarter and stop treating tax season like a once-a-year emergency.
You’ll learn what to actually look for on your tax return, how to adjust your withholding so you’re not surprised next April, why retirement contributions are one of the most powerful tax tools available, and how to build a simple system that turns panic into preparation.
Shari also explains why mid-year check-ins matter more than year-end scrambling and how small adjustments now can save you stress—and money—later.
This episode is about shifting from reactive to proactive. Because taxes aren’t just something you file. They’re something you manage.
If you want help turning your tax return into a real strategy, you can schedule time with Shari Rash, founder of GWA Wealth, to review your numbers and identify opportunities to improve your financial plan.
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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.
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You can be earning good income, paying your bills, and trying to budget—and still feel like you’re stuck in the same financial patterns over and over again. Overspending when you’re stressed. Avoiding your accounts when you’re overwhelmed. Feeling shame about debt, even when life is the thing that put you there in the first place.
In this episode, Shari Rash, founder of GWA Wealth, sits down with certified financial therapist Dr. Erica Rasure to unpack the emotional side of money and why so many financial struggles have less to do with math and more to do with behavior, stress, and past experiences.
They talk about the difference between financial stress and financial trauma, how shame keeps people stuck, and why traditional budgeting often fails when it doesn’t account for real life—or real emotions. You’ll also hear why debt is often the result of life events, not poor choices, and how to start rebuilding your relationship with money without guilt or self-blame.
This conversation will help you understand your financial patterns, recognize emotional triggers around spending, and take the first small step toward lasting change—even if you feel overwhelmed right now.
You’ll walk away with a clearer understanding of why your money habits feel hard to change, how to shift from shame to progress, and practical ways to move forward with more confidence and self-compassion.
If you’re ready to go deeper than just listening—if you want support, accountability, and a place to work through your money decisions in real time—the Everyone’s Talkin’ Money Club is here for you. It’s where these conversations turn into action, with live guidance, community support, and practical tools to help you build lasting change. You can learn more and join us at everyonestalkinmoney.com.
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.
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Have you ever bought a stock, ETF, or fund because you heard about it on a podcast, saw it in a newsletter, or watched someone talk about it online?
You’re not alone—and you’re not wrong for wanting to learn more about investing. But there’s a hidden risk that most people don’t realize: the problem usually isn’t the investment itself. It’s making financial decisions without a strategy built for your life.
In this episode, Shari Rash, founder of GWA Wealth, breaks down the real danger of taking investment advice from podcasts, articles, social media, and talking heads. You’ll hear why different fund names don’t automatically mean diversification, how you might be buying the same investment over and over again without realizing it, and why performance chasing is one of the most expensive mistakes investors make.
Shari also explains how financial media is designed to share information—not personalized advice—and why context matters more than any single investment recommendation. This episode will help you shift from reacting to headlines to building a clear, intentional strategy that supports your long-term goals.
You’ll learn how to spot duplication in your portfolio, how to evaluate investment ideas before acting on them, and why having a plan makes market ups and downs feel less stressful and more manageable.
If you’ve ever felt overwhelmed by investment advice or unsure whether your portfolio actually makes sense, this episode will give you the clarity and confidence to move forward.
For more practical, real-life guidance like this, join the Talkin’ Points newsletter at everyonestalkinmoneypodcast.com.
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.
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Rereleasing one of those episodes that hits differently when you’re in a new season with money.
What if the real issue isn’t that you’re bad with money, but that your relationship with it is strained? In this episode, Shari Rash, founder of GWA Wealth, explores what happens when you stop seeing money as a source of pressure, shame, or chaos and start looking at it as a relationship that needs attention, honesty, respect, and consistency.
If you’ve been avoiding your accounts, breaking promises to yourself, spending emotionally, or feeling stuck in cycles you can’t seem to change, this conversation will help you understand why. More importantly, it’ll help you shift the way you interact with your money so it can finally start working for you instead of feeling like one more thing you’re fighting with.
You’ll hear:How financial avoidance quietly damages your confidenceThe sneaky ways you may be disrespecting your own moneyWhy overspending, procrastination, and comparison are often relationship patterns, not just bad habitsHow to start treating your money with more consistency, honesty, and careFive simple ways to build a healthier relationship with your finances starting now
If you make good money but still don’t feel fully in control of it, this episode will help you reconnect with your money in a way that feels practical, grounded, and doable.
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.
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Taxes can feel intimidating, confusing, and deeply emotional—especially if you're self-employed or earning good money and still feel unsure about what you're doing.
In this episode, Shari Rash, founder of GWA Wealth, sits down with tax expert Hannah Cole to talk about what taxes actually look like in real life—and why so many people feel overwhelmed by them.
Hannah shares how her own experience as a working artist led her to become a tax professional and build a company focused on helping people understand their taxes without shame or judgment. Together, Shari and Hannah break down the difference between tax preparation and tax planning, why finding the right accountant matters more than most people realize, and how small decisions throughout the year can significantly impact your tax bill.
They also discuss what to do if you owe more than expected, how to think about retirement accounts like IRAs and HSAs, why tax literacy is one of the most powerful financial skills you can build, and the mindset shift that helps you stop seeing taxes as punishment and start seeing them as part of a long-term financial strategy.
If you've ever felt confused about taxes, nervous about filing, or frustrated that your tax bill keeps rising as your income grows, this episode will help you understand what's really happening and what to do next.
You'll hear why taxes feel so personal, how to evaluate and interview an accountant, what actions you can still take after the year ends, and the simple habits that make tax season dramatically less stressful.
The podcast is where we start the conversation. The ETM Club is where we build the plan. If you want deeper guidance, live support, and a place to actually follow through, this is your next step. You can join us anytime at everyonestalkinmoney.com
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.
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Tax day is right around the corner, and if you’ve ever looked at your tax bill and thought, “Wait… why do I owe this much?” you’re not alone.
Most people assume taxes are something that get figured out in April. But by the time you’re filing your return, the outcome is already decided.
In this episode, Shari Rash, founder of GWA Wealth, breaks down the most common tax mistakes high earners make and why these decisions can quietly cost you thousands over time.
You’ll learn why treating taxes like a once-a-year event leads to missed opportunities, how celebrating a tax refund might actually be a red flag, and why focusing only on this year’s tax bill can hurt your long-term wealth.
Shari also walks through the key accounts and strategies that help reduce taxes over time, the difference between tax preparation and tax planning, and why relying on your accountant alone isn’t enough to create a real tax strategy.
This episode isn’t about complicated loopholes or aggressive tactics. It’s about understanding how your everyday financial decisions impact your taxes so you can start making smarter moves throughout the year.
You’ll hear why taxes feel like a surprise even when you’re doing well financially, the biggest tax mistakes high earners make, how tax-advantaged accounts actually work, and what to do differently so you’re not in the same position next year.
You’ll walk away with a clearer understanding of how your tax bill is created, one simple change you can make this year, and the confidence that taxes don’t have to feel confusing or out of your control.
If you want more real-life strategies like this, join the Talkin’ Points newsletter at everyonestalkinmoneypodcast.com.
If you’re ready for to build a solid financial foundation with Shari, take the first step and visit GWA Wealth and schedule a free introductory call.
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.
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If you’re constantly thinking about your money—checking balances, moving money around, wondering if you can afford things—it’s not because you’re bad with money. It’s because you don’t have systems.
Most people are managing their finances in real time, making decisions on the fly and hoping everything works out. And that’s exhausting. The real shift happens when your money starts running in the background of your life instead of demanding your attention every day.
In this episode, Shari Rash, founder of GWA Wealth, walks you through the five financial systems that make money feel organized, predictable, and easier to manage. You’ll learn how to structure your accounts, automate your bills and savings, and plan for expenses before they become emergencies.
This is not about budgeting harder or tracking every dollar. It’s about building a setup that works even when life gets busy, stressful, or chaotic.
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You’ll hear why willpower isn’t the solution to managing money, how automation reduces decision fatigue, and the exact systems that help high-earning women feel calm and confident about their finances.
You’ll walk away knowing how to organize your money into simple systems that run automatically, one practical step you can implement this week, and how to create a financial structure that supports your life instead of draining your energy.
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.
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You can be doing well on paper and still feel like you’re one level below where you should be.
You’re earning good money. You’re responsible. You’re working hard. But there’s this quiet question in the background: What’s the next move?
In this conversation, Shari Rash sits down with leadership coach and entrepreneur Eleanor Beaton to talk about the real drivers behind financial growth for women—power, flexibility, and financial agency.
Eleanor Beaton is the founder of Safi Media, a coaching and education company dedicated to doubling the number of women founders who sustainably scale to $1M+ by 2030, and the host of the Woman Owned podcast, now ranked in the top 0.5% of all podcasts globally, providing insights and strategies to empower women entrepreneurs.
Since 2016, Eleanor has provided training to over 25,000 women entrepreneurs worldwide. A former chair of the Visiting Women’s Executive Exchange Program at the Yale School of Management, Eleanor has won national awards for her achievements in entrepreneurship, leadership development and business journalism.
They explore why so many women unintentionally limit their earning potential in exchange for flexibility, how early money experiences shape our decisions as adults, and why financial independence is about more than income. It’s about having options.
Eleanor shares the lessons she learned scaling her own business, including the importance of paying attention to your numbers, creating simple money habits, and focusing on the tasks that actually move your financial life forward.
You’ll also hear a powerful discussion about the gender wage gap, the role flexibility plays in earnings, and why second-guessing your goals is often a normal part of growth—not a sign to stop.
This episode will help you rethink how you spend your time, how you define success, and how to build the kind of financial life that gives you both freedom and control.
You’ll hear why financial agency matters more than income alone, the sneaky mindset block that keeps high-achieving women playing small, how to identify the highest-value tasks in your life, and the one habit that can accelerate your financial progress faster than you expect.
You’ll walk away with a clearer understanding of how to protect your independence, make more intentional decisions with your time and money, and give yourself permission to go after what 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.
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