No Idea Where Your Money’s Going?

Money is one of those topics that can feel instantly overwhelming, especially in motherhood, when you’re juggling a million decisions and your brain is already full.In this episode, we brought on Becca Gonzalez (The Money Girls) to make money feel simple, doable, and even kind of fun.Becca shares how she went from bringing $90,000 of debt into her marriage (and becoming a full-blown “every dollar has a job” enforcer) to building a money system that helped her marriage feel like a team again, and helped her clients stop avoiding their accounts and start making confident decisions.This is not a boring finance episode.This is a “your shoulders drop and you think, oh… I can do this” episode.We cover a lot…1. The money shift that changes everything: understanding what’s happeningBecca’s core message is simple:When you understand what your money is doing, you stop being afraid of it.So many of us are living in:* “I think we’re fine?”* “I don’t want to look.”* “It’s probably bad.”Becca calls this moving from drama to data.When you look at the numbers, it’s almost never as catastrophic as your brain has convinced you it is. And once you know what’s happening? You can actually move forward.Becca shared that in six years of coaching, only a couple of clients were in as bad of a situation as they feared.Most women are spiraling emotionally… while the numbers are manageable.And even if they aren’t? Once you know, you can build a plan.Clarity is power.Becca Tip: If you’re wondering where your money is going, she says historically it’s usually:* Groceries* Eating out* Convenience (hello, Amazon)The good news?Those are controllable.You don’t have to eliminate joy, just decide consciously.Get Mom Ready is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber.2. Investing in yourself: Is there a “golden ratio”?One of you asked:How much is too much to gamble on starting a business? Is there a golden ratio?Becca’s answer? There isn’t a magic percentage — but there are grounding questions:* Does money already feel tight?* Do you have any savings buffer?* Are you investing in retirement (or moving in that direction)?* Is this decision coming from fear/scarcity… or clarity and alignment?If you invest while panicked, you’ll likely pressure yourself to earn it back immediately, and that pressure can sabotage your growth.But if you invest from stability and intention? That’s a very different story.She also reframed ROI:Sometimes the return isn’t just financial.Sometimes it’s clarity. Confidence. Direction.And knowing what you don’t want to replicate.3. Getting on the Same Page With Your PartnerThis is where it got really good.Becca sees two common scenarios:* You share life, but not finances* You share life and finances, but you’re not alignedHer biggest lesson from her own marriage?You can’t drag someone into money peace.You can go first.You can model consistency.But you can’t control.Try This: The “Values List”Each partner separately writes 1–5 things they genuinely want to spend money on.Then come together and explain the why behind each one.It turns:“That’s dumb.”Into:“Oh… I didn’t realize that mattered to you.”It shifts the conversation from numbers to meaning.Holly shared that the Fair Play system has been helpful for dividing responsibilities (including money ownership) with less resentment and more clarity.If you’ve never seen it, it’s a card deck and system designed to help couples divide household labor intentionally. You can find it here.4. The Money Rhythms That Actually WorksA. If “weekly money meeting” makes you want to cry, Becca suggests:* Set a timer for 15 minutes* Have a tiny agenda* Make one decision* StopThat’s it.You can build from there. But start small.B. Envelope System vs. Counting UpBecca gave a mindset shift that blew our minds.When you use envelopes, you’re often counting down:“I only have $25 left.”When you budget intentionally, you count up:“I get to spend up to $X.”Same math.Very different psychology.C. Kids + Money: Skills Over Safety NetsWe also talked about saving for kids.529? Trusts? Custodial accounts?Becca’s perspective was powerful:Before opening up any kind of account, determine your family values.She goes much deeper into this on the pod.Becca’s also gave us one game-changing tip for teaching kids wise spending… and stopping the constant “Can I have that?” battle at checkout. Don’t miss this in the episode.A Perspective Shift We’re Still Thinking AboutHolly shared a fact that stopped us:The Equal Credit Opportunity Act passed in 1974, meaning women couldn’t independently access credit without a male co-signer until then.That’s not ancient history.If money feels intimidating… we are still culturally very new to full financial autonomy.Grace. For all of us.Connect With BeccaIf you NEED a Becca in your life or want to check out her offerings, Becca lives mostly on Instagram and is new to TikTok.Learn about her membership + free challenge to help you figure out where your money is going in about 15 minutes + offers: https://stan.store/mindherbusinessgirlsMoney Girls Membership ($67/month as mentioned in the episode) is linked through her Stan Store.Email Becca for 1:1 coaching inquiries:[email protected] to Suggest a Future Topic?We LOVE hearing from you.Email us at [email protected] Coaching?You can book a coaching call with any of the Get Mom Ready crew here.Question For YouWhen you think about money right now, what feels hardest:Clarity?Communication with your partner?Or consistency?Tell us in the comments.And if this episode helped you take even one brave step toward looking at your numbers, that’s getting mom ready. Get full access to Get Mom Ready at www.getmomready.com/subscribe