The Money Chica on Budgeting, Scarcity Mindset, Debt, and Financial Clarity

In this conversation, Brandon sits down with Karen Calderon aka The Money Chica, a certified financial coach whose brand centers on helping people feel clear, confident, and in control with their money. They talk about budgeting, behavioral finance, scarcity mindset, cultural differences in financial literacy, credit card debt, and why financial clarity has to come before trying to fix everything else. Karen’s approach emphasizes getting clear on what is really causing money stress, building a system that fits real life, and aligning spending with what actually matters. They also discuss money in relationships, why couples often struggle to communicate about finances, and why sharing life often means sharing money too. The Money Chica site highlights that clarity, support, and realistic systems are the foundation for long-term financial peace. The Money Chica, Karen Caldarone, Certified Financial CoachM.A.https://themoneychica.com Hosted by James Walters, CIMA®, CRPC®, and Brandon West, CPA, co-owners of West & Walters Tax and Wealth Management, a Registered Investment Advisor (RIA) and tax firm based in Carlsbad, California. Our goal is to share market insights, investing tips, tax strategies, and straightforward financial education to help viewers make smarter financial decisions. All Information is educational in its intent and distribution! Please do not consider this personal financial advice. We believe all clients have unique situations and thus require unique advice.