Finance for Christian Moms | Save Money, Debt Free, Investing for Beginners, Cash Flow, Build Wealth

I sat across from families who were burnt out, exhausted, and technically qualified for retirement but couldn't actually retire.And almost every single one of them said the same thing: I wish I had started paying attention sooner.That conversation lit a fire in me that has never gone out. And it is exactly why I am rattling you a little bit today (with so much love).In this episode I am sharing a personal story about black mold growing in our crawl space for an entire month while we were completely oblivious and why it is the perfect picture of what quietly happens to your finances when you are not paying attention.Then I am breaking down my simple three part framework for getting started: finding your financial freedom number, understanding which accounts are right for you, and funding them with investments that do the heavy lifting so your money can grow in the background of your very full life.You do not need to have it all figured out. You just need to start today.FREE weekly newsletterJoin the waitlist for Investing Made Simple Group CoachingFREE Financial Freedom CalculatorConnect with me on Instagramwww.cashflowwithcarolina.comThis content is for educational and informational purposes only and should not be considered personalized financial advice. Please consult a licensed financial professional for guidance specific to your situation.

What if the goals you have been too afraid to say out loud - paying off all your debt, going on a really nice vacation, retiring early - were not too big? What if they were actually placed there on purpose?In this episode I'm talking about how to set goals that are holy and ambitious at the same time and how to hold them with open hands without losing your peace in the process.We're covering why short term and long term goals require completely different postures, how to give every goal its own category so nothing is competing for your money, and why seventy percent of the information plus a step of faith is enough to start.Because God is not intimidated by your ambition. He created it. And your job is to plan faithfully and trust Him with the rest.Faith Family Finance: FREE weekly newsletterJoin the waitlist for Investing Made Simple Group CoachingFREE Financial Freedom CalculatorConnect with me on Instagramwww.cashflowwithcarolina.comThis content is for educational and informational purposes only and should not be considered personalized financial advice. Please consult a licensed financial professional for guidance specific to your situation.

You looked at your tax return and your jaw dropped, not because the number was bad, but because it was really good. And then you looked at your bank account and something sank.You made good money. So where did it go?In this episode I'm having a real conversation with you - not a shaming one, but a big sister one. Because I want you to get angry. Not at yourself, but at your debt. There is a big difference.I'm sharing something personal that happened in my own business recently and why having no debt payments gave us a peace that no income level could have bought us. And then I'm giving you 5 real and tactical steps to actually do something about it today.Because you deserve to feel the money you make, not just see it on a tax return and wonder where it disappeared to.Faith Family Finance: FREE weekly newsletterJoin the waitlist for Investing Made Simple Group CoachingFREE Financial Freedom CalculatorInvesting Made Simple For Kingdom Women - use code PODCAST for $50 off (expires 5/31)Connect with me on Instagramwww.cashflowwithcarolina.comThis content is for educational and informational purposes only and should not be considered personalized financial advice. Please consult a licensed financial professional for guidance specific to your situation.

The thing standing between you and financial peace isn't a math problem. It's a lie, actually multiple lies from the enemy sitting on your should, whispering into your ear.In this episode I'm exposing 3 of the biggest lies Christian women believe about money and replacing every single one with what God's Word actually says.We're talking about the discipline lie, the "that's my husband's job" lie, and the "I don't have enough to start" lie. Because the enemy is sneaky and he knows that a woman who is financially grounded, generous, and intentional is dangerous to his plans.Buckle up, this one got me fired up!!! I hope it does the same for you.Faith Family Finance: FREE weekly newsletterFREE Financial Freedom CalculatorInvesting Made Simple For Kingdom Women - use code PODCAST for $50 off (expires 5/31)Apply here for 1:1 CoachingConnect with me on Instagramwww.cashflowwithcarolina.comThis content is for educational and informational purposes only and should not be considered personalized financial advice. Please consult a licensed financial professional for guidance specific to your situation.

What if building wealth looked less like having it all figured out and more like planting a single seed?Warren Buffett once said that someone is sitting in the shade today because someone else planted a tree a long time ago. And in this episode, I'm breaking down exactly how to plant yours (even if you feel completely overwhelmed by where to start).Faith Family Finance: FREE weekly newsletterFREE Financial Freedom CalculatorInvesting Made Simple For Kingdom Women - use code PODCAST for $50 off (expires 5/31)Apply here for 1:1 Coachingwww.cashflowwithcarolina.comThis content is for educational and informational purposes only and should not be considered personalized financial advice. Please consult a licensed financial professional for guidance specific to your situation.

In this episode, I'm breaking down the three most common reasons your cash flow feels stretched even when the income looks great on paper and none of them have anything to do with how hard you work or how much you make.We're talking about the housing cost benchmark nobody tells you about (and why mortgage companies are not your friend when it comes to this), what happens when everything feels like a priority and nothing actually gets funded, and why more income without a plan just gives you a more expensive version of the same problem.If you've ever looked at your bank account at the end of the month and thought, "where did it all go?" this episode is for you.To calculate housing payment ratio: add up mortgage/rent, taxes, insurance, HOA and utility bills. Then divide this amount by your household total take home pay (i.e. what you pay yourself + your husband's paychecks). Multiply this by 100 and you get your percentage.Faith Family Finance: FREE weekly newsletterFREE Financial Freedom CalculatorFREE How $10 can turn into $20,000 by their 18th BirthdayApply here for 1:1 CoachingConnect with me on Instagramwww.cashflowwithcarolina.comwww.cashflowwithcarolina.comThis content is for educational and informational purposes only and should not be considered personalized financial advice. Please consult a licensed financial professional for guidance specific to your situation.