145 | Financial Freedom Without Fear: What the Bible Says About Money, Investing & Retirement with Emily Scott

What if you could stop feeling afraid, overwhelmed, or confused about money—and start managing your finances with wisdom, confidence, and vision? In this episode of The Journey to Becoming Podcast, Joy sits down with Emily of Financially Unbroken for an empowering conversation about financial literacy, faith, money mindset, investing, budgeting, and retirement planning for women. Together, they unpack what the Bible actually says about money and why we don't have to approach our finances from a place of fear. 2 Timothy 1:7 reminds us that God has not given us a spirit of fear, but of power, love, and a sound mind—and that applies to our finances too. Emily walks through the different stages of our financial journey, from budgeting and saving to investing and preparing for retirement, while challenging some of the messages society constantly sends us—like “girl math” and “treat yourself.” One of the biggest mindset shifts she shares is the difference between “earn” and “deserve.” What happens when we stop believing we deserve everything we want right now and instead learn to find fulfillment and reward in doing the work, building discipline, and earning what we're working toward? And when it comes to retirement, Emily asks a powerful question: “What am I retiring from—and what am I retiring to?” That question opens up a beautiful conversation about living with vision, purpose, and intention—not just during our working years, but in the years that come after. In this episode, you'll discover: What the Bible says about money and financial stewardship • How to manage your finances without fear • The financial stages of budgeting, saving, investing, and retirement • Why “girl math” and “treat yourself” can influence our spending habits • The mindset shift from “I deserve it” to “I earned it” • Why discipline and delayed gratification can actually create freedom • How women can begin building financial confidence and literacy • How to think differently about retirement and your future • The powerful question: “What am I retiring from—and what am I retiring to?” • How to create a financial future that aligns with your values, faith, and vision If you've ever felt intimidated by money, unsure where to start financially, or caught between wanting to enjoy your life today and wanting to prepare for tomorrow, this conversation is for you. Financial freedom isn't just about having more money. It's about having the wisdom, confidence, and vision to steward what God has entrusted to you—and build a future you're excited to live. CONNECT WITH EMILY & HER RESOURCES HERE https://www.financiallyunbroken.com/ JOIN US FOR VIRTUAL OPEN HOUSE 🥳 BECOMING A WOMAN OF VALUE FREE 5 DAY CHALLENGE 💗 Connect with me here: WEBSITE: https://www.thejoyfulfitlife.com/