Get Ready: Before Life Happens Podcast

Send us Fan MailMoney shapes our choices, relationships, and confidence. On this episode of Get Ready Before Life Happens, I sit down with Wally Luckeydoo, educator and founder of Money Secret. We explore why money conversations matter, how anonymous money secrets help people feel less alone, and why financial literacy works best when it includes emotions, behavior, and real life.Key TakeawaysMoney conversations build trust and confidenceMoney secrets reveal the emotions behind financial decisionsSharing money stories helps people feel less aloneFinancial literacy depends on both content and deliverySports gambling is an important conversation for students and familiesPartners benefit from talking openly about money habits and expectationsMoney mistakes can become learning momentsTony’s Take: Money secrets are money stories. Financial literacy is more than information. It is also about emotions, behavior, trust, and communication. When we talk more openly about money, we help people learn, connect, and make better decisions before life happens.Connect with Wally Luckeydoo, Ed.D.Money Secret Website: https://moneysecret.netLinkedIn: https://www.linkedin.com/in/wallyluckeydoo/Resources mentioned:Sammy Rabbit - Money School and Books for kids: https://sammyrabbit.comThe Four Money Bears - Book by Mac Gardner and Berryville Game: https://www.thefourmoneybears.comBio: Dr. Wally T. Luckeydoo holds multiple professional degrees and is an award-winning educator and leader in financial literacy with a strong commitment to experiential learning. He teaches Work-Based Learning and Personal Finance at Smyrna High School, where he prepares students with practical, career-ready skills through hands-on experiences. He also serves as an adjunct professor, teaching Sports Management courses at Abilene Christian University and Cumberland University, as well as Dual Enrollment Personal Finance at Bethel University.Dr. Luckeydoo is the creator of MoneySecret.net, a platform that uncovers real, anonymous financial stories to spark meaningful conversations and deeper understanding of personal finance. His work has earned him numerous recognitions, including the 2026 Excellence in Financial Literacy Education Educator of the Year Award, the 2026 Jump$tart Corey Carlisle Public Policy Award, the 2025 Tennessee Educational Technology Association Outstanding Teacher of the Year Award, the 2024 Tennessee Jump$tart Educator of the Year Award, and honors from Next Gen Personal Finance as a Distinguished Educator and Extra Mile Award winner.He is dedicated to equipping students with the knowledge and skills needed to succeed in school, career, and life.In collaboration with The Money Awareness and Inclusion Awards (the MAIAs) which celebrate the increasingly important work being done to help people understand money better. Learn more: https://www.maiawards.org.  👉 Start Your Financial Readiness Plan: A free, practical plan that helps you create your in-case-of-emergency Financial First Aid Kit, organize what matters, and prepare before life happens. Start Your Free Financial Readiness Plan  https://www.tonysteuer.com👉 Support Get Ready. Become a Get Ready Insider and help keep the Financial Readiness Plan free, support the podcast, trusted resources, and consumer-first financial education. You’ll receive access to the Get Ready Library. Support Get Ready here. www.tonysteuer.com/supportSupport the showThe Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer. 

Send us Fan MailLife can change quickly. Planning ahead, having the right conversations, and using tools like trusts can help protect what matters most.Will Spencer, founder of Rest Easier joined me on Get Ready Before Life Happens to explore why estate planning is important for everyone, how families can protect assets from disappearing over time, and why early money conversations create more clarity and confidence across generations. Will shares practical ways to simplify planning, update beneficiaries, and help families prepare before life happens.Key TakeawaysEstate planning helps protect families and is valuable at every stage of lifeMany assets go unclaimed because loved ones do not know they existEarly conversations about money create clarity and reduce future stressUpdating beneficiaries and organizing important information are simple but powerful stepsFinancial literacy grows when people openly share knowledge and support one anotherYounger generations can help start meaningful conversations around money and planning with aging parents🧠 Tony’s TakeProtecting your family starts long before a crisis happens. Simple conversations, updated information, and shared awareness can make a meaningful difference for the people you care about. That’s what financial readiness looks like in real life.Connect with Will Spencer:LinkedIn: https://www.linkedin.com/in/willspencerresteasier/Rest Easier Website: https://resteasier.co.ukBio: Will Spencer is the Founder & CEO of Rest Easier, a UK-based startup building "the family office for the 99%", giving employees access to estate planning, life-event financial coordination, and protection infrastructure through their employer. Will's career spans founder-led sales, investor relations, and product strategy, all focused on making financial preparedness accessible to people who'd otherwise never get it.👉 Start Your Financial Readiness Plan: A free, practical plan that helps you create your in-case-of-emergency Financial First Aid Kit, organize what matters, and prepare before life happens. Start Your Free Financial Readiness Plan  https://www.tonysteuer.com👉 Support Get Ready. Become a Get Ready Insider and help keep the Financial Readiness Plan free, support the podcast, trusted resources, and consumer-first financial education. You’ll receive access to the Get Ready Library. Support Get Ready here. www.tonysteuer.com/supportSupport the showThe Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer. 

Send us Fan MailYour story is one of your greatest assets. Jed Collins, author of Fourth & Goal: An NFL Memoir, Grit, Survival, & Stories From Inside My Helmet joined me on the Get Ready Before Life Happens podcast to explore the power of journaling, why reflection helps shape personal growth, and how authenticity becomes even more valuable in the age of AI. Jed shares lessons from football, failure, entrepreneurship, and financial education, along with why capturing your story can help you better understand yourself, your goals, and the value you bring to the world.Key TakeawaysJournaling helps capture experiences, reflect on growth, and develop original thinkingReflection creates greater self-awareness around decisions, goals, and personal identityAuthenticity and perspective are becoming more valuable as AI expands access to informationGrowth often comes through challenges, setbacks, and learning from failureFinancial education becomes more powerful when people can apply ideas in real lifeCapturing your story over time helps clarify your voice, values, and directionSmall, consistent habits like journaling can create long-term personal and professional growthBecome the person you needed when you were young🧠 Tony’s Take: Your story is an asset. This conversation is a reminder that reflection helps us better understand who we are, what we value, and how we grow through both successes and setbacks. In a world where information is everywhere, authenticity, perspective, and lived experience become even more meaningful. Taking time to capture your journey helps turn experiences into insight and insight into growth.Connect with Jedidiah Collins, CFP®: Website: https://jedidiahcollins.comLinkedIn: https://www.linkedin.com/in/jedidiah-collins/YouTube: https://www.youtube.com/@jedidiahcollins8198Book:Fourth & Goal: An NFL Memoir, Grit, Survival, & Stories From Inside My Helmet (Amazon)Your Money Vehicle: How to Begin Driving to Financial Freedom! (Amazon). Mentioned this episode:Ball Four: The Final Pitch by Jim Bouton (Amazon) Bio: Jedidiah Collins, known as the Fullback of Finance, spent seven seasons in the NFL where he was cut 13 times before earning his place and eventually becoming one of the top fullbacks in the world. His journey taught him a lesson that now defines his work: talent may get you noticed, but resilience is what keeps you in the game.While others measured success by contracts and statistics, Jed was quietly building a different edge—through journaling, reflection, and learning from the greatness around him. Those habits helped shape both his football career and the life that followed.After the NFL, Jed became a Certified Financial Planner® and founded the financial literacy company Money Vehicle. Today, he teaches athletes, students, entrepreneurs, and leaders how to Speak Money & Act Wealthy, turning financial literacy into practical action and confidence.As a keynote speaker and author, Jed now shares his Rookie to Veteran framework to help others grow in business and life. His message is simple: success leaves clues, failure is a First Attempt In Learning, and the most important victories are the ones you choose to write down first.👉 Start Your Financial Readiness Plan: A free, practical plan that helps you create your in-case-of-emergency Financial First Aid Kit, organize what matters, and prepare before life happens. Start Your Free Financial Readiness Plan  https://www.tonysteuer.com👉 Support Get Ready. Become a Get Ready Insider and help keep the Financial Readiness Plan free, support the podcast, trusted resources, and consumer-first financial education. You’ll receive access to the Get Ready Library. Support Get Ready here. www.tonysteuer.com/supportSupport the showThe Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer. 

Send us Fan MailThe way we think shapes the way we spend, invest, and make decisions. Colin Hodge, founder and author of Outrageous Startup Growth joined me on this episode of the Get Ready Before Life Happens podcast to explore how psychology impacts financial decisions, why cognitive biases shape more of our lives than we realize, and how slowing down can help us make clearer and more intentional choices. Colin shares insights on growth mindset, entrepreneurship, AI, and the hidden forces that influence how we think, spend, and respond to risk.Key TakeawaysCognitive biases influence how we make financial, business, and everyday decisionsSlowing down important decisions creates space for clearer and more intentional thinkingSystem 1 thinking helps us react quickly, while System 2 thinking supports deeper analysisUrgency and fear can push people toward reactive decisions and reduce critical thinkingAdding friction to decisions can help reduce impulse spending and improve long-term outcomesUnderstanding your identity, emotions, and personal story improves self-awareness around moneyAI can become a powerful tool for learning, leverage, and expanding opportunity when used intentionally🧠 Tony’s Take: Slowing down is a financial skill. The more aware we become of our biases, emotions, and decision-making patterns, the more clearly we can think before acting. That awareness helps turn reactions into intentional choices.Connect with Colin Hodge:LinkedIn: https://www.linkedin.com/in/ckbhodge/Website: https://colinhodge.comNewsletter: https://colinhodge.substack.comBooks: Outrageous Startup Growth: Uncovering the Secrets of User Psychology to Scale Your Success (Amazon)Resources mentioned:Thinking, Fast and Slow by Daniel Kahneman (Amazon) Does It Make Sense Calculator - Gifting Sense (www.giftingsense.org)Bio: Colin Hodge is a startup founder and national bestselling author who has led companies and growth teams responsible for over 100 million users.He currently is co-owner of DOWN, a top 10 dating app in the US with millions in annual revenue – built on the growth principles and lessons shared in this book. He achieved a successful exit for DOWN (then later reacquiring it) and 17Live, the top live-streaming video company in Asia. While chief growth officer at 17Live, Colin led data-driven initiatives in growth, global expansion, and marketing, then launched the platform in the United States as the first US CEO.Colin holds a BS in computer science from Cornell University and occasionally serves as a board member and keynote speaker for organizations around the world. 👉 Start Your Financial Readiness Plan: A free, practical plan that helps you create your in-case-of-emergency Financial First Aid Kit, organize what matters, and prepare before life happens. Start Your Free Financial Readiness Plan  https://www.tonysteuer.com👉 Support Get Ready. Become a Get Ready Insider and help keep the Financial Readiness Plan free, support the podcast, trusted resources, and consumer-first financial education. You’ll receive access to the Get Ready Library. Support Get Ready here. www.tonysteuer.com/supportSupport the showThe Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer. 

Send us Fan MailAging planning starts with conversations. Lauren Clough, Co-Founder and CEO of bQuest joined me on the Get Ready Before Life Happens podcast to explore why aging plans matter, how early family conversations create clarity, and the important role financial planners and care professionals play in helping families navigate caregiving decisions. Lauren shares practical insights on aging in place, building support systems, and creating a plan that aligns with a family’s wishes and values.Key TakeawaysAging planning begins with understanding a person’s wishes and long-term goalsEarly family conversations help reduce stress and improve decision-making laterCaregiving often evolves over time and requires different types of support along the wayAging in place requires planning around home safety, caregiving, and financial resourcesFinancial advisors can play an important role in facilitating family conversations and long-term planningTrusted professionals and vetted service providers help families navigate complex caregiving decisions with greater confidence Tony’s Take: When families talk openly about wishes, care, and support before a crisis happens, they create a stronger foundation for the future. That clarity becomes a gift for everyone involved.Connect with Lauren Clough:LinkedIn: https://www.linkedin.com/in/lauren-tracy-clough-13053819/bQuest Website: https://thebquest.comResources mentioned:Aging Wishes GuideHow to Create an Aging Plan That Works with Aging-in-Place Expert Carol Chiang on the Get Ready Before Life Happens Podcast (here)Bio: Lauren Clough is the Co-Founder and CEO of bQuest, the first Care Intelligence Platform purpose-built for the financial services industry. bQuest partners with wealth management firms, RIAs, and family offices to ensure families receive timely, coordinated support during aging, end-of-life, and after-loss transitions. Drawing on more than a decade as a senior manager in her family’s global logistics business, Lauren brings deep operational expertise in scaling complex, fragmented systems. Her leadership is also shaped by her family’s multi-generational Alzheimer’s journey, which exposed firsthand the gaps between financial planning and aging care support. At bQuest, Lauren is building the infrastructure that bridges wealth and health equipping financial advisors to show up for clients not only in markets, but in life’s most personal and vulnerable moments. Her mission is to transform financial services by making longevity planning and care coordination a standard offering so that every family under the guidance of a trusted advisor has clarity, advocacy, and real support as they navigate caregiving and aging.👉 Start Your Financial Readiness Plan: A free, practical plan that helps you create your in-case-of-emergency Financial First Aid Kit, organize what matters, and prepare before life happens. Start Your Free Financial Readiness Plan  https://www.tonysteuer.com👉 Support Get Ready. Become a Get Ready Insider and help keep the Financial Readiness Plan free, support the podcast, trusted resources, and consumer-first financial education. You’ll receive access to the Get Ready Library. Support Get Ready here. www.tonysteuer.com/supportSupport the showThe Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer. 

Send us Fan MailPhil Weiss, Founder of Apprise Wealth joined Tony on this episode of Get Ready Before Life Happens to talk about how understanding your financial situation, aligning your resources with your values, and having regular money conversations can help you navigate major life changes with more confidence and intention. Life transitions require clarity and confidence.Key TakeawaysYour money story shapes how you make financial decisions.Knowing your financial situation helps you see what’s possible.Moving from your accumulation (saving) phase to your spending (decumulation) phase requires a mindset shift.Align time, energy, attention, and money with what matters most.Regular “money dates” strengthen communication and clarity.During major transitions, pause and avoid rushed decisions.Asking questions builds confidence and better outcomes.🧠 Tony’s Take: Financial confidence grows through clarity and conversation. When you understand where you stand, align your resources with your values, and stay engaged through regular discussions, you create the ability to navigate life’s transitions with confidence.Connect withPhilip H. Weiss, CFA, CPA, RLP®:Apprise Wealth Website: https://apprisewealth.comLinkedIn: https://www.linkedin.com/in/philip-weiss/Blog: https://apprisewealth.com/news/Facebook: https://www.facebook.com/phil.weiss.330 or https://www.facebook.com/AppriseWealthYouTube: https://www.youtube.com/channel/UCdxgFt2cD1r5WP0-Y6LqMDg/Instagram: https://www.instagram.com/stories/phweiss11/Resources:Caring for aging parents checklist (here)Bio: Phil Weiss founded Apprise Wealth Management. He started his financial services career in 1987, working as a tax professional for Deloitte & Touche. For the past 25 years, he has worked extensively in the areas of personal finance and investment management. Phil is a CFA charter holder, a CPA, and an RLP®.Phil launched his own Registered Investment Advisor (RIA) business to provide financial planning, personal finance, and investment management services, as well as education, to women facing new beginnings. He believes it is a privilege to help others plan for their financial future. Please read this blog if you would like to learn more about what drove Phil to start Apprise and why he works with women facing new beginnings.👉 Start Your Financial Readiness Plan: A free, practical plan that helps you create your in-case-of-emergency Financial First Aid Kit, organize what matters, and prepare before life happens. Start Your Free Financial Readiness Plan  https://www.tonysteuer.com👉 Support Get Ready. Become a Get Ready Insider and help keep the Financial Readiness Plan free, support the podcast, trusted resources, and consumer-first financial education. You’ll receive access to the Get Ready Library. Support Get Ready here. www.tonysteuer.com/supportSupport the showThe Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer. 

Send us Fan MailWhat can 300 conversations teach us about making thoughtful financial decisions and preparing for life?After 300 conversations with guests from around the world, I’ve learned that access to financial information is only the beginning.In this special solo episode, I share the Six Principles of Financial Readiness, a practical framework for connecting financial information with our goals, responsibilities, relationships, and real lives.I explore why curiosity matters, how to recognize what may be missing, and what it takes to prepare the people who may one day need to step in.Key takeawaysStart with purpose. Understand what you want your money and decisions to make possible.Seek understanding. Learn about the choices, costs, risks, benefits, trade-offs, and interests behind a recommendation.Know what’s missing. Look for the unanswered question, missing document, needed conversation, or person who should be involved.Think long-term. Consider how a decision may affect you and the people around you as life changes.Protect what matters most. Prepare the people, information, relationships, and resources that support what you value.Exercise good judgment. Take a beat, verify the information, involve the right people, and choose a responsible next step.Prepare people as well as plans. Organization and communication help trusted people understand your wishes, locate essential information, and step in when needed.Tony’s Take: I began this podcast believing the primary challenge was helping people access the right financial information. Three hundred conversations taught me that information becomes more useful when curiosity activates it, context connects it with real life, and good judgment turns it into thoughtful action.👉 Start Your Financial Readiness Plan: A free, practical plan that helps you create your in-case-of-emergency Financial First Aid Kit, organize what matters, and prepare before life happens. Start Your Free Financial Readiness Plan  https://www.tonysteuer.com👉 Support the Mission: Become a Get Ready Insider and receive access to the Get Ready Library while helping support my mission to help people prepare before life happens. Become a Get Ready Insider  https://www.tonysteuer.com/get-ready-insiderSupport the showThe Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer. 

Send us Fan MailA simple pause can change your financial life. On this episode of Get Ready Before Life Happens, I spoke with Karen Holland, founder of the nonprofit Gifting Sense and creator of the DIMS “Does It Make Sense?” Score Calculator.We explore how slowing down leads to better decisions, why mindful friction improves spending, and how the DIMS framework helps you evaluate purchases with clarity. Karen shares how to understand trade-offs, avoid common buying mistakes, and build habits that support long-term financial confidence for both adults and kids.Key Takeaways🔹 Pausing before a decision creates space for clearer thinking and better outcomes🔹 Asking “Does it make sense?” leads to more intentional and aligned spending🔹 Understanding full costs, including fees and ongoing expenses, improves decision quality🔹 Buyer’s remorse often comes from acting quickly, overestimating use, and focusing on short-term excitement🔹 Adding friction to spending decisions helps reduce impulse purchases and increase satisfaction🔹 Teaching kids to slow down and evaluate choices builds lifelong financial confidence🔹 Mindful spending supports both personal goals and broader impact, including sustainability🧠 Tony’s Take: A pause is one of the most powerful financial tools we have. When you ask better questions before you spend, you make decisions you feel good about long after the moment passes. That’s how money becomes a tool for intention.Connect with Karen Holland:Gifting Sense Website  (here)LinkedIn (here)Resources:DIMS SCORE® Calculator (here)Back-to-School List Builder (here)Bio: Karen Holland has been making learning about money immediately helpful to school-aged children for over 12 years through her early financial education Not-For-Profit GiftingSense.org, home of the DIMS - DOES IT MAKE SENSE?® SCORE Calculator (a free and safe online tool that introduces children to the habit of asking & answering simple questions about typical childhood purchases, before, anyone spends a dime) and Spending Ed (think Driver’s Ed for money!) Karen worked for Canada’s largest bank before having a family that is now grown up. She has an Honours Bachelor of Arts Degree in Economics from Queen’s University at Kingston, Ontario and a Master’s Degree in Economic History from the University of Toronto. She is a Next Gen Personal Finance Distinguished Financial Educator and a MAIA Money Changer - a list of global citizens making money better for others.Gifting Sense has been recognized at the Money Awareness & Inclusion Awards three years running, in 2022, 2023 and 2024.In collaboration with The Money Awareness and Inclusion Awards (the MAIAs) which celebrate the increasingly important work being done to help people understand money better. Learn more: https://www.maiawards.org.  👉 Start Your Financial Readiness Plan: A free, practical plan that helps you create your in-case-of-emergency Financial First Aid Kit, organize what matters, and prepare before life happens. Start Your Free Financial Readiness Plan  https://www.tonysteuer.com👉 Support Get Ready. Become a Get Ready Insider and help keep the Financial Readiness Plan free, support the podcast, trusted resources, and consumer-first financial education. You’ll receive access to the Get Ready Library. Support Get Ready here. www.tonysteuer.com/supportSupport the showThe Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer. 

Send us Fan MailMoney conversations build clarity and confidence. On this episode of Get Ready Before Life Happens, I spoke with Tricia Daniel, TEDx speaker and founder of the Starting Over Wealth Network about how early, open money conversations create confidence, reduce fear, and help families stay prepared through life’s changes. Tricia shares how to overcome shame, communicate with clarity, and build a plan that supports both you and the people you care about.Key Takeaways🔹 Talking about money early helps build clarity, confidence, and preparedness🔹 Money is a resource, and understanding “what is enough” supports better decisions🔹 Small, consistent conversations make money feel more approachable and less overwhelming🔹 Bringing money topics into the open helps release shame and build stronger connections🔹 A shared plan gives your loved ones clarity and support when life changes quickly🔹 Advisors and families benefit from focusing on people under care, not just assets🔹 Taking action on what you learn helps turn awareness into meaningful progress🧠 Tony’s Take: A simple conversation can change everything. When you talk about money early and often, you reduce fear, build clarity, and create a path forward for yourself and your loved ones. That’s how preparation becomes a true act of care.Connect with Tricia Daniel:LinkedIn: https://www.linkedin.com/in/triciacdaniel/Tricia Daniel Website: https://triciadaniel.comStarting Over Wealth Network: https://sown.lifeExpanding To Enough Website: https://expandingtoenough.comYouTube: https://www.youtube.com/@triciadanielPodcast:The Money Over Easy Show (Apple Podcasts)Resources mentioned:Modern Widows Club: https://modernwidowsclub.org/ Listen to my conversation with Megan Kopka, Board Chair of The Modern Widows Club on the Get Ready Before Life Happens Podcast (here)Bio: 👉 Start Your Financial Readiness Plan: A free, practical plan that helps you create your in-case-of-emergency Financial First Aid Kit, organize what matters, and prepare before life happens. Start Your Free Financial Readiness Plan  👉 Support Get Ready. Become a Get Ready Insider and help keep the Financial Readiness Plan free, support the podcast, trusted resources, and consumer-first financial education. You’ll receive access to the Get Ready Library. Support Get Ready here. Support the showThe Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer. 

Send us Fan MailYou can earn a solid income and still feel uncertain about your next financial step. This episode shows how to build clarity, confidence, and momentum.On this episode of Get Ready Before Life Happens, I sit down with Sandra Park, founder of Prosperous Panda and host of the Engineer Her Path Podcast.We explore how earning more creates opportunity, and how clarity, identity, and communication turn that opportunity into progress. Sandra shares how to advocate for your value, strengthen your negotiation skills, and use your income intentionally to build flexibility, confidence, and long-term freedom.Key Takeaways🔹A higher income creates more options, and clarity helps you choose what matters most🔹Understanding your identity helps you align your money with your goals🔹Clear communication strengthens confidence and helps others recognize your value🔹Small negotiation moments build a skill that compounds over time🔹Intentional use of income through saving, investing, and career growth builds flexibility🔹Open conversations about money support better decisions and shared progress🔹Enjoying your money is part of building a sustainable and meaningful financial life🧠 Tony’s Take: A strong income creates opportunity. Financial readiness comes from knowing your value, communicating it, and aligning your money with what matters most. When those pieces come together, your income becomes a tool for freedom, not just a number.Connect with Sandra Park:Website: https://engineerherpath.comLinkedIn: https://www.linkedin.com/in/engineerherpath/YouTube: https://www.youtube.com/@engineerherpathPodcast:Engineer Her Path: https://open.spotify.com/show/0XksSCLpVQKsCi6fDUxE6N?si=Y94Vstc3Sv27jUio3331CgResources mentioned:Invest for Better website: www.investforbetter.orgCheck out my conversation with Janine Firpo, founder of Invest for Better on The Get Ready Money Podcast: Invest In Alignment With Your Values (here).Bio: Sandra Park is a systems engineer, financial coach, and host of the Engineer Her Path podcast, where she helps women in STEM turn high incomes into lasting financial freedom and autonomy. After building a multimillion-dollar net worth, becoming completely debt-free, and paying off her home, Sandra now teaches others how to align their money with their values so they can work from choice, not obligation.Through her coaching, speaking, and writing, Sandra combines technical precision with personal storytelling to help professionals rethink success beyond titles and paychecks. Her work focuses on helping women build margin, reclaim agency over their careers, and design lives rooted in purpose, not just achievement.👉 Start Your Financial Readiness Plan: A free, practical plan that helps you create your in-case-of-emergency Financial First Aid Kit, organize what matters, and prepare before life happens. Start Your Free Financial Readiness Plan  https://www.tonysteuer.com👉 Support the Mission: Become a Get Ready Insider and receive access to the Get Ready Library while helping support my mission to help people prepare before life happens. Become a Get Ready Insider  https://www.tonysteuer.com/get-ready-insiderSupport the showThe Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer. 

Send us Fan MailYour value grows when you learn how to combine AI with what only you can do as a human.Nikki Barua, author, speaker and CEO & Co-Founder of FlipWork joined me on Get Ready Before Before Life Happens to talk about how AI is transforming how we work, earn, and create value.Nikki shares how individuals and advisors can stay relevant by reinventing themselves, developing AI fluency and focusing on the skills that remain distinctly human. From empathy and judgment to action and accountability, this conversation explores how to thrive in an AI-driven world.Key Takeaways🔹 AI is accelerating change and expanding what’s possible.🔹 Reinvention is an ongoing process.🔹 Knowledge alone does not create results, action does.🔹 AI can expand access to tools, intelligence, and opportunity.🔹 Empathy, judgment, coaching, and accountability become more valuable as technology advances.🔹 Advisors evolve from experts to guides and accountability partners.🔹 Investing in yourself creates long-term advantage.🧠 Tony’s Take: AI amplifies human potential. You are your biggest asset. The opportunity is to use AI for what it does well while strengthening the judgment, empathy, curiosity, and relationships that only you can bring.Connect with Nikki Barua:LinkedIn: https://www.linkedin.com/in/nikkibarua/Personal Website: https://www.nikkibarua.comTwitter: https://www.linkedin.com/in/nikkibarua/Instagram: https://www.instagram.com/thenikkibarua/Facebook: https://www.facebook.com/thenikkibaruaNewsletter: https://www.nikkibarua.com/newsletters/reinvention-roadmap/subscribePersonal Website: https://www.nikkibarua.com/Flipwork Company Website: https://www.flipwork.ai/Books: Beyond Barriers: How to Unlock Your Limitless Potential (Amazon)Resources mentioned:FlipFactor™ Diagnostic: https://flipfactor.ai Bio: Nikki Barua is a serial entrepreneur, keynote speaker, bestselling author, and globally recognized expert on transformation. She is the CEO & Co-Founder of FlipWork, the human + agentic system for workforce reinvention.For over 25 years, Nikki has helped global brands reinvent their culture, capabilities, and competitive edge. Her work spans strategy, digital transformation, and organizational change,rooted in a belief that people, not just technology are the key to future success.Nikki has built and scaled high-growth businesses as a tech entrepreneur, earning accolades for her visionary leadership and impact. Her personal journey of rising from humble beginnings has made her a sought-after voice on resilience and reinvention. Her story has been featured in CNBC, Bloomberg, Fortune, and Forbes.Nikki has been named Entrepreneur of the Year by ACE, honored as an EY North America Entrepreneurial Winning Woman, included in Entrepreneur Magazine’s 100 Most Influential Women, recognized as one of the 21 Leaders for the 21st Century, and celebrated as a Woman of Influence by The Business Journals, and Top Entrepreneur by Comerica Bank & LA Lakers.👉 Start Your Financial Readiness Plan: A free, practical plan that helps you create your in-case-of-emergency Financial First Aid Kit, organize what matters, and prepare before life happens. Start Your Free Financial Readiness Plan  https://www.tonysteuer.com👉 Support the Mission: Become a Get Ready Insider and receive access to the Get Ready Library while helping support my mission to help people prepare before life happens. Become a Get Ready Insider  https://www.tonysteuer.com/get-ready-insiderSupport the showThe Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer. 

Send us Fan MailYour money decisions show what matters most to you.Cecile Biccari, sustainable finance specialist and author of Your Money and the World, joins me on the Get Ready: Before Life Happens Podcast to talk about sustainable finance, impact investing, and how everyday choices about spending, saving, investing, and giving can influence the world around us.Cecile shares how sustainable finance connects everyday financial decisions with real-world impact. We also explore how to align money with your values, how environmental, social, and governance factors shape investment decisions, and why early money conversations can influence lifelong beliefs.Key TakeawaysSustainable finance applies to everyday financial decisions.Your spending and investing reflect what you value.Investment choices influence real-world outcomes.Sustainability includes environmental, social, and governance factors.Impact can come from money, time, and attention.Early money conversations help shape lifelong beliefs.You can align your money with your goals and values.🧠 Tony’s Take: What stood out is that money is more than a financial tool. It’s a signal. When we align our decisions with what matters most, we create impact in our own lives and in the world around us.Connect with Cecile Biccari:LinkedIn: https://www.linkedin.com/in/cecilebiccari/Your Money, Your World / Nora’s Treasure Website: https://www.norastreasure.comEthos education platform focuses on sustainable finance: https://ethos.hiveq-cloud.com/ch/en-GB/HomeBook:Your Money and the World: How to Spend, Save, Donate and Invest Sustainably by Cecile Biccari (Amazon) (Bookshop)Resources mentioned:Impact Philanthropy Advisor from Daylight Advisors (here)Invest for Better website (here). Check out my conversation with Invest For Better Founder: Janine Firpo on the Get Ready Before Life Happens podcast: Invest In Alignment With Your Values (here)Morningstar - Sustainable Investing (here)Bio: Cecile Biccari has worked in sustainable finance for more than 20 years. She started her career at the World Business Council for Sustainable Development (WBCSD) in early 2000s and then worked in the finance industry, helping investors to understand the social and environmental challenges we face, and how to incorporate these factors in their financial decisions. Along the way, she helped develop a number of training courses for investment professionals. When her children, aged 7 and 5 at the time, started asking her questions about money, she decided to write a story to explain to them the basics of sustainable finance. Illustrated by Naiade Lacolomb and published by HELVETIQ, a Swiss publishing company, at the beginning of 2024, her book combines a comic strip story and a documentary explaining the connections between money, happiness, impact and responsibility. Cecile currently works at the Ethos Foundation to develop education programs on responsible investment for Swiss pension funds.In collaboration with The Money Awareness and Inclusion Awards (the MAIAs) which celebrate the increasingly important work being done to help people understand money better. Learn more: https://www.maiawards.org.  👉 Start Your Financial Readiness Plan: A free, practical plan that helps you create your in-case-of-emergency Financial First Aid Kit, organize what matters, and prepare before life happens. Start Your Free Financial Readiness Plan  https://www.tonysteuer.com👉 Support the Mission: Become a Get Ready Insider and receive access to the Get Ready Library while helping support my mission to help people prepare before life happens. Become a Get Ready Insider  https://www.tonysteuer.com/get-ready-insiderSupport the showThe Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer. 

Send us Fan MailFinancial success grows when your money aligns with the life you truly want.Danqin Fang, CFP®, CFA, RLP®, founder and CEO of Wealth Beyond Math joined Tony on this episode of Get Ready Before Life Happens to talk about how holistic financial planning evolves through a process of awareness, clarity, and alignment. Even people who appear to have everything in place often feel held back by fear, scarcity, or limiting beliefs.This conversation explores how understanding your relationship with money helps you make more intentional decisions and build a more meaningful life.Key TakeawaysHolistic financial planning is an ongoing process, not a one-time plan.People who “have it all” can still feel stuck or unfulfilled.Scarcity and fear often shape financial decisions.Core beliefs about money serve a purpose and can evolve over time.Clarity about priorities helps you make more intentional choices.Awareness creates space to pause and choose differently.Money is a tool to support experiences, impact, and quality of life.🧠 Tony’s Take: Financial readiness grows from awareness and alignment. When people understand their money patterns, gain clarity on what matters, and give themselves permission to act, they begin to build a life that feels both intentional and fulfilling.Connect with Danqin Fang, CFP, CFA, RLP:Website: https://www.wealthbeyondmath.comLinkedIn: https://www.linkedin.com/in/danqinfang/Bio: Danqin Fang, CFP®, CFA, RLP®, is the founder and CEO of Wealth Beyond Math, a modern, virtual, fee-only fiduciary financial planning firm based in Austin, Texas. A first-generation immigrant from China, Danqin came to the U.S. to earn a master’s degree in financial planning from Texas Tech University and spent more than 15 years working with fiduciary registered investment advisory firms before launching Wealth Beyond Math. Having advised 200+ families and over $500 million in assets, Danqin combines rigorous financial planning and investment expertise with a deeply human, life-centered approach to helping people align their money with the life they truly want to live.Danqin’s work integrates the technical discipline of comprehensive financial planning, investment strategy, and fiduciary advice with George Kinder’s life planning methodology. As a Registered Life Planner®, Danqin helps clients move beyond scarcity, guilt, and autopilot money decisions while grounding every recommendation in sound financial analysis. Danqin believes financial planning should start with life—not just numbers—so money becomes a tool for clarity, confidence, and meaningful impact, rather than an end in itself.👉 Start Your Financial Readiness Plan: A free, practical plan that helps you create your in-case-of-emergency Financial First Aid Kit, organize what matters, and prepare before life happens. Start Your Free Financial Readiness Plan👉 Support the Mission: Become a Get Ready Insider and receive access to the Get Ready Library while helping support my mission to help people prepare before life happens. Become a Get Ready InsiderSupport the showThe Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer. 

Send us Fan MailSmall, daily habits can turn financial confusion into confidence.Emily Boxall, Founder of the 2Mins App joined Tony on this episode of Get Ready Before Life Happens to talk about how gamification and bite-sized learning can transform financial education.From quirky characters to two-minute lessons, Emily shares how making money more approachable, interactive, and judgment-free can help people build confidence and lasting financial habits. Key TakeawaysFinancial education works best when it is simple and accessible.Two-minute lessons make it easier to build consistent habits.Gamification helps people engage without fear or judgment.Repetition and interaction improve long-term retention.Many people feel money is “not for them” due to how it’s taught.Confidence grows when people apply what they learn.Financial education should start early and continue over time. 🧠 Tony’s Take: Financial confidence comes from small, consistent steps. When we make money approachable, people engage. And when people engage, they build habits that lead to better decisions.Connect with Emily Boxall:LinkedIn (Emily): https://www.linkedin.com/in/emily-boxall-ab3b53172/Website (2mins app): https://microfact.co.ukLinkedIn: 2mins Instagram: @2minsappTikTok: @2minsappBio: Emily Boxall is the Co-founder of 2mins, the app turning financial education into engaging, bite-sized games. Her background spans marketing, communications and journalism, including freelance writing for the Investors’ Chronicle. She co-founded 2mins with her dad, Chris Boxall, and together they are on a mission to build financial confidence through humour, creativity and fun.2mins was recently named runner-up in the Best Fintech/AI by a For Profit Organisation category at the Money Awareness and Inclusion Awards (MAIAs) This episode is a collaboration with The Money Awareness and Inclusion Awards (the MAIAs) which celebrate the increasingly important work being done to help people understand money better. Learn more: https://www.maiawards.org. 👉 Start Your Financial Readiness Plan: A free, practical plan that helps you create your in-case-of-emergency Financial First Aid Kit, organize what matters, and prepare before life happens. Start Your Free Financial Readiness Plan  https://www.tonysteuer.com👉 Support the Mission: Become a Get Ready Insider and receive access to the Get Ready Library while helping support my mission to help people prepare before life happens. Become a Get Ready Insider  https://www.tonysteuer.com/get-ready-insiderSupport the showThe Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer. 

Send us Fan MailThe best financial decisions happen when emotion opens the door and logic helps shape the plan.Bill Comfort and Maxwell Schmitz joined Tony Steuer on this episode of Get Ready Before Life Happens for a lively debate about whether people make better insurance and financial decisions through numbers and probabilities, or through a clear understanding of the real-life impact on the people they love?This conversation explores where emotion, logic, and lived experience intersect, and why the best planning conversations need all three. Key TakeawaysEmotion often helps clients engage with difficult financial decisions.Logic and data help quantify how much a risk truly matters.Insurance decisions are often driven by responsibility and love.Statistics should inform design, not drive fear.Lived experience often makes risk feel more real than probabilities alone.Risk protection must be part of every financial plan.The strongest decisions combine heart and numbers. 🧠 Tony’s Take: What stood out in this conversation is that this is not an either-or question. Emotion helps people connect with why a decision matters. Logic helps them understand what action to take. Financial readiness lives at the intersection of both.Connect with Bill Comfort:Comfort Long Term Care Website: (here)LinkedIn: (here)Connect with Maxwell Schmitz:LinkedIn:  (here)Dingo Technologies website: (here)Yetworth website: (here)Resources mentioned:Why Disability Insurance Is the Foundation of a Real Financial Plan with Maxwell Schmitz and Tony Steuer on the Get Ready Before Life Happens Podcast (watch or listen) Bios: Bill Comfort is an independent LTC specialist agent with Comfort Long Term Care. Bill hosts the broadcast & podcast show: “Aging America Radio” with a focus on a wide range of topics supporting "successful aging".Maxwell Schmitz, MSFS, CLTC is a third-generation DI specialist.  He is co-founder of Dingo Technologies, Inc. and President of Yetworth Insurance Solutions, a disability-focused insurance agency.  He also currently serves as President of the International DI Society, an association of the nation's top DI minds. Max also serves as the chair of his town's Bicycle and Pedestrian Advisory Committee. He is a sitting member on the board of The Plus Group, America's Premier Disability Insurance Marketing Organization. In his spare time he is also the father/coach of three energetic/athletic kids (ages 7, 5, and 3), husband to an amazing wife, and is a thru-hiking junkie.👉 Start Your Financial Readiness Plan: A free, practical plan that helps you create your in-case-of-emergency Financial First Aid Kit, organize what matters, and prepare before life happens. Start Your Free Financial Readiness Plan  https://www.tonysteuer.com👉 Support Get Ready. Become a Get Ready Insider and help keep the Financial Readiness Plan free, support the podcast, trusted resources, and consumer-first financial education. You’ll receive access to the Get Ready Library. Support Get Ready here. www.tonysteuer.com/supportSupport the showThe Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer. 

Send us Fan MailMoney works best when it supports the life you want to live.Dana Miranda, author, content creator, and money writer joined me on Get Ready Before Life Happens to talk  about what it means to build a healthier, more empowering relationship with money.We explored why traditional money advice often misses the lived experiences of women, people of color, and LGBTQ communities, and how understanding financial tools can replace fear with confidence and choice.Key Takeaways🔹 Financial products are tools, not goals.🔹 Understanding how money works helps reduce fear and uncertainty.🔹 Traditional advice often reflects an idealized life that many people do not live.🔹 Your identity and lived experience shape your relationship with money.🔹 Good money management does not have to mean restriction.🔹 “Enough” is personal and can change over time.🔹 Money should support your life, not become your boss.🧠 Tony’s Take: Healthy wealth begins with self-trust. Financial readiness is not about following someone else’s rules. It is about understanding the tools available to you and using money to support the life you want to build.Connect with Dana Miranda:Website and newsletter: https://www.healthyrich.coLinkedIn: https://www.linkedin.com/in/justdanamiranda/overlay/contact-info/Forbes Advisor Columnist: https://www.forbes.com/advisor/author/dmiranda/Books: You Don't Need a Budget: Stop Worrying about Debt, Spend without Shame, and Manage Money with Ease (Amazon) Bio: Dana Miranda is a Certified Educator in Personal Finance and author of You Don’t Need a Budget: Stop Worrying about Debt, Spend without Shame, and Manage Money with Ease (Little, Brown Spark 2024). She’s been writing about personal finance as a staffer, freelancer, author, and creator since 2015, sharing her innovative budget-free approach, which recognizes the ways financial education fails to meet the needs of marginalized folks and shifts the conversation toward a better relationship with money for everyone.👉 Start Your Financial Readiness Plan: A free, practical plan that helps you create your in-case-of-emergency Financial First Aid Kit, organize what matters, and prepare before life happens. Start Your Free Financial Readiness Plan  https://www.tonysteuer.com👉 Support Get Ready. Become a Get Ready Insider and help keep the Financial Readiness Plan free, support the podcast, trusted resources, and consumer-first financial education. You’ll receive access to the Get Ready Library. Support Get Ready here. www.tonysteuer.com/supportSupport the showThe Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer. 

Send us Fan MailFinancial decisions are becoming more complex every year. This episode explores how to find trusted expertise, ask better questions, and build confidence in the advice you follow.Tom Dickson, founder of the Financial Experts Network joined me on this episode of Get Ready Before Life Happens to explore why trusted expertise matters in today’s complex financial world, how advisors can better serve clients through collaboration and lifelong learning, and why understanding a person’s background and credentials is essential before following financial advice.Key TakeawaysFinancial planning requires expertise across many different and evolving areasUnderstanding a professional’s credentials and background helps build confidence in financial adviceLifelong learning is essential in a rapidly changing financial landscapeSpecialized expertise can help people navigate complex financial decisions more effectivelyConsumers should research financial professionals and understand the source of advice before actingTrusted advisors often work collaboratively with specialists to better serve clientsIn a world full of information, trusted expertise becomes even more valuable. The right guidance usually comes from people who understand their specialty deeply and continue learning as the world changes. Asking better questions about credentials, experience, and expertise helps people make more confident financial decisions.Connect with Tom Dickson:Website: www.financialexpertsnetwork.comLinkedIn: https://www.linkedin.com/in/financialexpertsnetwork/Bio: Tom has over 40 years of experience in many sectors of the financial services industry, including asset management, brokerage, custody, trust, mortgage and fintech. It’s Tom passion for personal finance education that led to the development of the Financial Experts platform.  Launched in 2008, Financial Experts has educated tens  of thousands of Financial Planners with LIVE webinars that feature true subject matter experts. 👉 Start Your Financial Readiness Plan: A free, practical plan that helps you create your in-case-of-emergency Financial First Aid Kit, organize what matters, and prepare before life happens. Start Your Free Financial Readiness Plan  https://www.tonysteuer.com👉 Support the Mission: Become a Get Ready Insider and receive access to the Get Ready Library while helping support my mission to help people prepare before life happens. Become a Get Ready Insider  https://www.tonysteuer.com/get-ready-insiderSupport the showThe Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer. 

Send us Fan MailFinancial abuse often leaves no visible signs. Recognizing the signs can be the first step toward protecting yourself and finding hope.Sandhya Gopal, divorce financial planner joined Tony on Get Ready Before Life Happens to explore the warning signs of financial abuse and what women can do to protect themselves during major life transitions.They discuss how financial control can be subtle and invisible, the importance of access to cash and trusted support, and how small steps and community can help move someone from fear and paralysis toward clarity, confidence, and hope.Key Takeaways🔹 Financial abuse is often psychological, subtle, and difficult to recognize.🔹 Red flags include secrecy, gaslighting, and money moving to untraceable places.🔹 Emotional paralysis can keep people feeling trapped and powerless.🔹 Access to cash and a trusted confidante are critical first steps to leaving an abusive relationship.🔹 Small, practical steps help rebuild confidence and agency over time.🔹 Support communities, including virtual ones, can reduce isolation and restore hope.🔹 Financial confidence grows when people realize they are not alone and have options.🧠 Tony’s TakeFinancial abuse often hides in plain sight. Recognizing the signs is the first step toward reclaiming clarity, safety, and control. Financial readiness means making sure people know they have resources, support, and a path forward before life’s hardest transitions force decisions.Connect with Sandhya Gopal:LinkedIn: https://www.linkedin.com/in/sandhyagopal/Spend It Right Website: https://www.spend-it-right.comBooks: Breaking Free: Empower Your Mindset, Master Your Money (Amazon)Resources mentioned:Get Ready Before Life Happens Podcast: Connecting Wealth and Great Health With Chris Heye (here)Facebook Support Groups (search for divorce)Bio: Sandhya Gopal is a financial advisor, Certified Divorce Financial Analyst®, and founder of SpendItRight. After going through her own divorce, she saw how overwhelming financial decision-making can feel when you suddenly have to navigate it on your own - even if you’re otherwise capable and successful.That experience led her to start teaching financial literacy, where she noticed a clear pattern: many capable women lacked visibility into their finances until life forced them to be involved. Today, she helps women navigate financial transitions with clarity - especially during divorce, where what looks equal on paper is not always equal in reality - and supports them through the rebuilding phase that follows. Her work focuses on helping women understand their numbers so they can make confident, grounded decisions.👉 Start Your Financial Readiness Plan: A free, practical plan that helps you create your in-case-of-emergency Financial First Aid Kit, organize what matters, and prepare before life happens. Start Your Free Financial Readiness Plan  https://www.tonysteuer.com👉 Support the Mission: Become a Get Ready Insider and receive access to the Get Ready Library while helping support my mission to help people prepare before life happens. Become a Get Ready Insider  https://www.tonysteuer.com/get-ready-insiderSupport the showThe Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer. 

Send us Fan MailBetter money decisions begin when we slow down enough to understand ourselves.On this episode of Get Ready Before Life Happens, Tony sits down with DonJay Rice to explore how curiosity, reflection, and emotional awareness can help rewire the way we think about money.From scarcity mindset and workaholism to gratitude and values alignment, this conversation highlights how financial healing begins with asking better questions and taking one small step at a time.Key Takeaways🔹 Take time to recognize and celebrate our wins 🔹 Our money behaviors are often rooted in childhood experiences🔹 High achievement can sometimes mask fear and scarcity🔹 Curiosity is a powerful tool for uncovering what is really driving behavior.🔹 Silence creates space for truth in conversations.🔹 Financial change happens through small, consistent improvements.🔹 Understanding what is true today helps loosen the grip of old beliefs.🔹 Aligning money decisions with values leads to greater life satisfaction.🧠 Tony’s TakeMoney and emotions are deeply connected. When we slow down, get curious, and stop judging ourselves, we begin to shift from reacting out of fear to making decisions that reflect our values and goals.Connect with DonJay Rice, FBS:Drumbeat Of Wealth Website: https://www.drumbeatofwealth.comLinkedIn: https://www.linkedin.com/in/donjay-rice-fbs®-36950a297/Facebook: https://www.facebook.com/profile.php?id=61551358480000Instagram: https://www.instagram.com/drumbeatofwealth/?hl=enResources mentioned:The Enneagram Institute: https://www.enneagraminstitute.comBio: DonJay Rice is a Certified Financial Behavior Specialist. With that title he works with clients, couples and families to heal and create a path forward when their relationship with money becomes unhealthy. He is also a public speaker who leads audiences to discover how money behaviors impact relationships with others as well as the relationship they have with themselves.DonJay is a Certified Christian Life Coach through the American Association of Christian Counselors. A certified Enneagram Coach and a Certified Trauma Coach. He has been a guest on several international podcasts and has written articles for the Journal of Financial Planning. He holds a Masters Cert in Financial Psychology and Behavioral Finance from Creighton University.Prior to being a Financial Behavior Specialist/Coach, DonJay was a financial advisor for 28 years, developing a special niche in working with clients where money behaviors were entangled with past or present, grief and trauma.Working for a brokerage firm with over 19,000 advisors. DonJay grew his practice from zero clients, zero assets and zero leads to be in the top 2% of the firm in terms of annual gross production. DonJay also consistently scored in the top 10% of the firm in terms of client satisfaction surveys while performing several volunteer leadership roles within the organization.That is what he DOES, or has done, but it doesn’t describe who DonJay IS? So, who is DonJay Rice? His family and close friends describe him as: Kind, Optimistic, Creative, Generous, Vulnerable, and a heart filled with Empathy.👉 Start Your Financial Readiness Plan: A free, practical plan that helps you create your in-case-of-emergency Financial First Aid Kit, organize what matters, and prepare before life happens. Start Your Free Financial Readiness Plan  https://www.tonysteuer.com👉 Support Get Ready. Become a Get Ready Insider and help keep the Financial Readiness Plan free, support the podcast, trusted resources, and consumer-first financial education. You’ll receive access to the Get Ready Library. Support Get Ready here. www.tonysteuer.com/supportSupport the showThe Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer. 

Send us Fan MailThe most important inheritance conversations are about trust, context, and relationships.Emily Bouchard, TEDx speaker, founder of Family Focused Wealth, and host of the Wealth Coherence Podcast joins Tony on the Get Ready Before Life Happens podcast to talk about why families need safe, transparent conversations around money, trust, and inheritance.They explore how trust, communication, and shared values help families build resilience, prepare beneficiaries, and reduce the emotional impact of inheritance and loss.Key Takeaways🔹 Inheritance conversations should focus on relationships before numbers.🔹 Safe spaces allow families to share concerns, values, and expectations.🔹 Trust is built through sincerity, reliability, competence, and care.🔹 Beneficiaries need context and preparation, not just financial assets.🔹 Lack of communication can increase inheritance trauma and confusion.🔹 Understanding each other’s money stories strengthens family resilience.🔹 Small, consistent conversations build trust and clarity over time.🧠 Tony’s TakeMoney changes family dynamics the moment it enters the room. Financial readiness means creating trust, context, and safe conversations before decisions are forced by life transitions.Connect with Emily Bouchard:Website: https://emilybouchard.comLinkedIn: https://www.linkedin.com/in/emily-bouchard-5a9a049/Instagram: https://www.instagram.com/emily4families/Books: Beginners Guide to Purposeful Prenups: Three Essential Elements for a Successful Prenup Conversation by Emily Bouchard and Emily Chase Smith (Amazon)Estate Planning for the Blended Family by L. Paul Hood, Jr. and Emily Bouchard (Amazon)Podcast:Wealth Coherence Podcast: https://emilybouchard.com/podcasts/Resources mentioned:TEDx Talk: How to talk about inheritance (without talking about money) - (YouTube) The Five Dysfunctions of a Team: A Leadership Fable by Patrick Lencioni (Amazon)Bio: Emily Bouchard is a coach and consultant to enterprising families and is dedicated to unlocking the full potential of individuals, couples and families, by guiding them through the complexities of wealth, relationships, and leadership. She is an author and speaker with over 20 years of experience coaching multigenerational families, with specializations in blended family dynamics and family business succession. As a fractional Chief Learning Officer, she designs personalized learning experiences that focus on lifelong growth, emotional intelligence, and financial acumen. She lives on 10-acres with 9 horses, where she facilitates transformative retreats.👉 Start Your Financial Readiness Plan: A free, practical plan that helps you create your in-case-of-emergency Financial First Aid Kit, organize what matters, and prepare before life happens. Start Your Free Financial Readiness Plan  https://www.tonysteuer.com👉 Support Get Ready. Become a Get Ready Insider and help keep the Financial Readiness Plan free, support the podcast, trusted resources, and consumer-first financial education. You’ll receive access to the Get Ready Library. Support Get Ready here. www.tonysteuer.com/supportSupport the showThe Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer. 

Send us Fan MailBeing named executor is more than a title. It’s a responsibility most people are not prepared for.Julie Rains, author and storyteller joined me on this episode of Get Ready Before Life Happens, to talk about the realities of settling a parent’s estate and what it truly means to serve as an executor.Drawing from her personal journey, Julie shares practical lessons around cash flow, access to accounts, beneficiary designations, financial institutions, and why family conversations before a loss are one of the greatest gifts we can give.Key Takeaways🔹 Executors often need access to cash before estate assets are released.🔹 Court appointment and estate rules can vary significantly by state.🔹 Beneficiaries and heirs are not the same under the law.🔹 Financial institutions may freeze accounts or provide incomplete information.🔹 Wills, trusts, and beneficiary designations can produce very different outcomes.🔹 Clear family conversations about wishes, access, and responsibilities reduce stress later.🔹 Preparing before death is one of the most meaningful gifts to loved ones.🧠 Tony’s TakeThis conversation is a reminder that estate planning is not just about documents. It is about making sure the right people have the information, access, and support they need when life changes. Financial readiness includes preparing others to step in with clarity and confidence.Connect with Julie Rains:LinkedIn: https://www.linkedin.com/in/julierains/Website: www.julierains.comInvesting to Thrive website: https://investingtothrive.comSave.Invest.Protect.Preserve Newsletter (Substack): https://julierains.substack.comBooks: Growing Wealth: Essential Money Lessons From My Garden to Yours (Amazon)Bio: Julie Rains is a writer and finance professional with a Bachelor of Science in Business Administration and a concentration in Finance from The University of North Carolina at Chapel Hill. When she became executor of her father's estate — right in the middle of finishing her first book, Growing Wealth: Essential Money Lessons from My Garden to Yours — she found herself navigating a strange new world. Despite her background and her dad's relatively simple estate, she was astonished at the complexity involved in making straightforward claims.What began as a desire to change systems evolved into something more tangible: helping people stay sane through one of life's most overwhelming responsibilities. Julie writes about estate work and legacy at her Substack, Save. Invest, Protect. Preserve. and is working on a novel that draws on her experiences. Whether you're settling an estate or planning, Julie’s mission is to illuminate what's really going on — so you can make informed decisions, choose the right professionals, and strengthen the relationships that matter most.☕ Support the Get Ready Movement.If these conversations help you think differently about money or prepare for life’s what-ifs, your support helps expand financial readiness education and keep this work accessible.👉 Support (here)Support the showThe Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer. 

Send us Fan MailWhat you learn about money as a child can shape your decisions for life.On this episode of Get Ready Before Life Happens, Tony talks with Dr. Bilal Pandow about how childhood experiences shape lifelong money habits, why even highly educated people struggle with financial decisions, and how simple, consistent conversations can help build confidence and better financial behaviors over time.Key takeaways🔹 Behavior is a central component of financial literacy, rather than just understanding concepts.🔹 Early experiences with money shape lifelong habits and confidence.🔹 Even highly educated people struggle without practical financial behaviors.🔹 Children learn about money through observation and everyday conversations.🔹 Simple, consistent habits matter more than complex financial strategies.🔹 Storytelling helps make financial concepts concrete, memorable, and relatable.🔹 Financial literacy is for everyone and can be built at any stage of life.Tony’s Take: Financial readiness starts earlier than we think. The habits, conversations, and experiences we have around money in childhood shape how we make decisions for the rest of our lives. The goal is not perfection. It is building simple, consistent behaviors that help people see money as a tool, not a source of stress.Connect withDr. Bilal Ahmad Pandow:LinkedIn: https://www.linkedin.com/in/dr-bilal-pandow-a5204a16/Instagram: https://www.instagram.com/financewithbilal/Books: A to Z of Finance for Children: https://a.co/d/01ECYihDMoney Villa: Learn to be Money Smart: https://amzn.in/d/0c0fhGouBio: Dr. Bilal Ahmad Pandow is an Associate Professor of Finance at Bahrain Polytechnic and a researcher, editor, and advisor working across financial literacy, financial inclusion, sustainable finance, and climate-related economic resilience. He is a recipient of the Obada Prize in Social Sciences, an international award recognizing innovative and interdisciplinary research excellence. His work focuses on helping individuals, families, and communities make better financial decisions, with a particular interest in children's financial education, policy-relevant research, and practical approaches that bridge academia and everyday life.Dr. Pandow has authored books designed to disseminate complex financial concepts to broader, non-academic audiences, particularly children, demonstrating his commitment to financial literacy. These include the children's storybook MoneyVilla: Learn to be Money Smart and A to Z of FINANCE for CHILDREN.☕ Support the Get Ready Movement.If these conversations help you think differently about money or prepare for life’s what-ifs, your support helps expand financial readiness education and keep this work accessible.👉 Support (here)Support the showThe Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer. 

Send us Fan MailHow do you build financial confidence in a new country?It starts with learning how money works where you are.On this episode of Get Ready Before Life Happens, I spoke with Bisola Tijani, the Whiz Queen, about building financial confidence when navigating a new country, learning how money works in a different system, and taking ownership of your financial future.Key Takeaways🔹 Learn how money works where you live.🔹 A growth mindset helps you adapt, learn, and take ownership of your financial decisions.🔹 Start with the essentials by setting up identification, banking, and credit systems early.🔹 Building credit intentionally expands your access to housing, employment, and financial opportunities.🔹 Confidence grows through action by learning, experimenting, and making small, informed decisions.🔹 Protect your money by working with regulated professionals and taking time before making decisions.🔹 Money is a tool that supports your life, your goals, and the people you care about.Tony’s Take: Starting over creates opportunity. Financial readiness begins with understanding the system you’re in and taking ownership of your decisions.Connect with Bisola Tijani:Website: https://whizqueen.caLinkedIn: https://www.linkedin.com/in/b-tijani/Instagram: https://www.instagram.com/whiz_queen/?hl=enYouTube: https://www.youtube.com/@WhizQueen/featuredPodcast:The Whiz Queen Show: https://www.youtube.com/playlist?list=PLhG7IsMTPnBNn2MMAoXzDal7cJR7R6jDPBio: Bisola Tijani, known as WhizQueen, is a Nigerian-Canadian content creator and financial educator with 150K+ followers across YouTube, TikTok, and Instagram. She's on a mission to make money simple, accessible, and actually enjoyable — especially for first-generation immigrants and newcomers building wealth in a new country. Through her community Smart Money Group and her education platform, she teaches investing, income building, and the kind of financial clarity that changes how people live — not just how they save.☕ Support the Get Ready Movement.If these conversations help you think differently about money or prepare for life’s what-ifs, your support helps expand financial readiness education and keep this work accessible.👉 Support (here)Support the showThe Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer. 

Send us Fan MailIt’s easier to be yourself, and that’s what builds real trust.On this episode of Get Ready Before Life Happens, I spoke with Derek Pollard, founder of Constellar Creative, about why authentic communication is the foundation of strong relationships.We explored how finding your voice, staying curious, and focusing on small human moments can help you build trust and communicate more effectively in a digital world.Key takeaways 🔹 Authentic communication builds trust through clarity, consistency, and relatability.🔹 Your voice develops by saying what you mean and standing behind it.🔹 Understanding context and nuance helps your message connect.🔹 Small acts of kindness and gratitude strengthen relationships.🔹 Strong connections come from knowing people, not just sharing information.🔹 Practicing your voice creates confidence and better communication over time.🔹 Carefully curate your network. 🧠 Tony’s TakeBetter relationships start with better communication. When you show up as yourself, speak with clarity, and focus on real connection, you build trust that lasts. Financial readiness is built on strong relationships, and those relationships begin with authentic conversations.Connect with Derek Pollard, PhD:LinkedIn: https://www.linkedin.com/in/derekpollard-phd/Constellar Creative Website: https://constellarcreative.comBio: Dr. Derek Pollard has spent thirty years editing New York Times bestselling authors and Guggenheim Fellows, helping them sound unmistakably like themselves. He founded Constellar Creative, featured on the Kitces Advisor Services Map, to do the same for financial advisors.☕ Support the Get Ready Movement.If these conversations help you think differently about money or prepare for life’s what-ifs, your support helps expand financial readiness education and keep this work accessible.👉 Support (here)Support the showThe Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer. 

Send us Fan MailClear money conversations help families prepare before life happens.On this episode of Get Ready Before Life Happens, Tony talks with Jacqui Clarke, author of Stop Worrying About Money, about how better money conversations help families navigate caregiving, loss, divorce, and rising financial pressure. They explore why money is often left unspoken, how that creates risk, and what families can do to build clarity, reduce anxiety, and prepare for what’s ahead.Key takeaways🔹 Having conversations with your spouse and family is essential for aging planning and legacy planning. 🔹 Knowing where assets are and what things cost is essential during life transitions.🔹 Financial responsibility often defaults to one partner, which creates vulnerability for the other partner.🔹 Many women face financial gaps due to caregiving, career pauses, and unequal roles.🔹 Estate plans need context and communication, not just documents.🔹 “Planet Squeeze” is real as families balance aging parents, kids, and rising costs.🔹 Being optimistic about money can be really empowering.🔹 Advisors have a responsibility to meet with both spouses. Tony’s TakeWhen families share information, understand their finances, and align on decisions, they create clarity before life gets complicated. The goal is making sure no one is left trying to figure everything out alone.Connect with Jacqui Clarke:Website: jacquiclarke.meLinkedIn: https://www.linkedin.com/in/jacquiclarke/Instagram: https://www.instagram.com/jacquiclarke000/Substack Newsletter: Your Personal CFO: https://jacquiclarke.substack.comBooks: Stop Worrying about Money: The Award-Winning book about how you can start planning now to secure your financial future (Amazon US)(Amazon AU) (Barnes and Noble)Free sample chapter: https://www.jacquiclarke.me/book Bio: Jacqui Clarke FCA, FTI, GAICD, JP, author of Stop Worrying About Money, is a trusted advisor, board member, executor and veteran business executive. As a personal wealth and money management expert and over three decades of experience, 25 years at Deloitte and PWC helping high-net-worth families, individuals and business owners to build, manage and preserve their wealth. Her message is simple: with careful planning and effort, you can manage your money, so it doesn’t manage you. https://www.jacquiclarke.me/The Money Awareness and Inclusion Awards (the MAIAs) celebrate the increasingly important work being done to help people understand money better. Learn more: https://www.maiawards.org.   ☕ Support the Get Ready Movement.If these conversations help you think differently about money or prepare for life’s what-ifs, your support helps expand financial readiness education and keep this work accessible.👉 Support (here)Support the showThe Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer. 

Send us Fan MailIn many financial planning conversations, the loudest voices tend to shape the outcome.Yet some of the most important perspectives in the room often go unheard.What happens when we start asking better questions and make space for every voice to be part of the conversation?On this episode of Get Ready Before Life Happens, I spoke with Colleen Bowler, entrepreneur, speaker, and creator of The Passport Package, about the human side of financial planning. We explore why listening is one of the most powerful tools advisors and families have, how planning conversations can bring out quieter voices, and why meaningful financial decisions begin with understanding what truly matters to the people involved.🔹 Financial planning works best when advisors listen before offering solutions.🔹 Asking thoughtful questions helps uncover what truly matters to clients.🔹 Important perspectives can be missed when quieter voices are not invited into the conversation.🔹 More than 70% of widows change advisors after losing a spouse when they feel unheard.🔹 Engaging the next generation helps families prepare for transitions, many next-generation heirs move on when there’s no relationship.🔹 Retirement planning becomes more meaningful when people move toward something purposeful.💭Tony’s Take; Financial readiness begins with understanding people. When advisors and families create space for every voice and ask better questions about what truly matters, planning becomes more than numbers. It becomes a conversation about the life people want to build.Connect with Colleen Bowler, CFP:Website: https://thepassportpackage.comLinkedIn: https://www.linkedin.com/in/colleen-bowler-cfp®-09576796/Books: Generous Kids (Amazon: https://amzn.to/49zoitC)Bio: Colleen Bowler, CFP® is an entrepreneur, speaker, and coach who transformed personal hardship — losing her father at 16, later navigating divorce as a single mom with a sick child — into a 25+ year financial planning career that took her from earning $14,000 her first year to building Strategic Wealth Partners into a top 1% Texas firm, managing half a billion in AUM. After successfully selling her practice, she co-founded C&J Innovations, LLC, where she created The Passport Package™ (patent-pending) — a proven framework that helps financial advisors grow revenue, referrals, and retention by embracing the human side of every financial decision, creating what she calls a "waterfall of impact" that lasts for generations.☕ Support the Get Ready Movement.If these conversations help you think differently about money or prepare for life’s what-ifs, your support helps expand financial readiness education and keep this work accessible.👉 Support (here)Support the showThe Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer. 

Send us Fan MailMany financial decisions feel logical in the moment.Yet emotions often shape the choices we make about money.Understanding that connection can help us make better decisions and build stronger financial readiness.On this episode of Get Ready Before Life Happens, I spoke with Mark Crowley, author and advocate for heart-based leadership, about how emotions shape the way we make decisions, build relationships, and respond to life’s uncertainties.📝 Key Takeaways🔹 Financial decisions are often driven by emotions .🔹 Awareness of emotional signals leads to more thoughtful choices.🔹 Connection and belonging strengthen resilience.🔹 Small moments of appreciation and trust build stronger relationships.🔹 Collaboration and support systems help people navigate uncertainty.🔹 Self-awareness helps us recognize emotional influences on decisions.💭 Tony’s Take: Financial readiness involves understanding how emotions influence our decisions, relationships, and responses to uncertainty.When we build self-awareness, strengthen our connections, and approach decisions with intention, we create a stronger foundation for navigating life’s unexpected moments.Connect with Mark Crowley:Website: https://markccrowley.comLinkedIn: https://www.linkedin.com/in/markccrowley/Twitter: @MarkCCrowleyBooks: The Power of Employee Well-Being: Move Beyond Engagement to Build Flourishing Teams (Amazon)Lead From The Heart: Transformational Leadership For The 21st Century (Amazon)Podcast:Lead From the Heart: https://blubrry.com/leadfromtheheartpodcast/Bio: Mark C. Crowley is the author of “Lead From The Heart: Transformational Leadership For The 21st Century,” and “The Power of Employee Well-Being: Move Beyond Engagement To Build Flourishing Teams.” His mission is to fundamentally change how we lead people in workplaces around the globe. Mark is a regular columnist for Fast Company Magazine and has been published in Psychology Today, Inc. USA Today, Reuters, Forbes, the Stanford Social Innovation Review, the Huffington Post, Gallup, The Financial Times, and the Seattle Times.   ☕ Support the Get Ready Movement.If these conversations help you think differently about money or prepare for life’s what-ifs, your support helps expand financial readiness education and keep this work accessible.👉 Support (here)Support the showThe Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer. 

Send us Fan MailWhat if your best years are ahead? On this episode of Get Ready Before Life Happens, I spoke with Tamara Cortoos, midlife coach and founder of Midlife Crossroads Academy, about making your next chapter your best one by aligning your time, energy, and money with who you’re becoming.Key Takeaways🔹 Be curious, follow the little signals and see where it takes you.🔹 Small, consistent steps shape your next chapter over time.🔹 Your experience and perspective are assets that grow in value.🔹 As your identity evolves, clarify what matters most to you. 🔹 Financial clarity equals financial freedom. 🔹 Women should always know where they stand financially, since life can change quickly.🔹 Your best years are the ones you choose.Tony’s Take: Midlife is an opportunity is to move forward with intention.   Connect with Tamara Cortoos:LinkedIn: https://www.linkedin.com/in/tamaracortoos/Tamara Cortoos Website: https://www.midlifecoach.be/en/midlife-coach/Midlife Crossroads Academy: https://midlifecrossroadsacademy.com/Facebook: MCA - Midlife Crossroads AcademyFacebook: MidlifeCoach.beInstagram: Midlife.Crossroads.AcademyResources mentioned:The Get Ready Money Podcast with Janine Firpo: Invest In Alignment With Your Values (here)Bio: Tamara's early forties weren't the smooth, confident years she'd imagined. Instead, they were messy, uncertain and full of hard questions that she couldn't answer. So, she wrote her own midlife survival guide and retrained as a life coach, ready to help other midlifers rethink their identity, career or purpose in life. She's also the founder of Midlife Crossroads Academy, a digital platform that offers programs around the most urgent questions of midlife. Tamara is endlessly curious about what makes people tick and how we create lives that feel meaningful and exciting. She loves deep conversations, fresh perspectives and challenging how we see midlife. If this stage has taught her anything, it’s that reinvention is always an option. And sometimes, the best is still to come.☕ Support the Get Ready Movement.If these conversations help you think differently about money or prepare for life’s what-ifs, your support helps expand financial readiness education and keep this work accessible.👉 Support (here)Support the showThe Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer. 

Send us Fan MailIn financial services, three voices dominate the conversation: regulators, institutions, and technology.Julia Chin believes there’s a fourth voice we need to hear more clearly: the human voice trying to make sense of it all. On this episode of Get Ready Before Life Happens, I spoke with Julia Chin, financial crime fighter and founder of JFourth Solutions why financial crime prevention must start with human understanding, how financial resilience protects families from scams, and why financial literacy is one of the most powerful tools for navigating today’s financial systems.Key Takeaways🔹 Financial systems often focus on rules, products, and technology while overlooking the human perspective. 🔹 The PULSE framework emphasizes people, undertaking, leadership, structure and ecosystem to protect people, not just tick boxes. 🔹 Financial resilience starts with buffers like emergency savings. 🔹 Scams target vulnerability and can affect anyone. 🔹 Financial knowledge helps people recognize risks and push back when something feels wrong. 🔹 Financial inclusion and dignity help reduce exposure to financial crime. 🔹 Curiosity, caution, compassion, and creativity help people navigate an AI-driven financial world.💭 Tony’s Take: Financial systems work best when they protect people. When we build resilience, stay curious, and understand the risks around us, we strengthen our ability to navigate an increasingly complex financial world. Financial resilience is about protecting ourselves and the people we care about.Connect with Julia Chin:JFourth Solutions Website: https://www.jfourthsolutions.comLinkedIn: https://www.linkedin.com/in/pekyee-julia-chin/Tripwire Newsletter (Substack): https://thetripwire.substack.com/The Fourth Perspective (LinkedIn Newsletter): https://www.linkedin.com/newsletters/7421859851661877248/Referenced:Dignity and Financial Literacy on The Get Ready Money Podcast with Peter Kwadwo Asare Nyarko (YouTube)Bio: Julia Chin has spent 36 years fighting financial crime , not with a badge, but with knowledge. From audit rooms to boardrooms, she's seen how financial systems can both protect and exclude the people they're meant to serve — and how financial criminals exploit that gap. Today, through JFourth Solutions, her newsletter Tripwire (co-authored with her partner in crime, Ren Chang), and The Fourth Perspective on LinkedIn, Julia champions financial literacy as protection, helping individuals and professionals ask the right questions, spot the red flags, and build the kind of resilience that survives life's shocks. Her belief: everyone has a role to play in making our financial world safer - no badge required.This episode is a collaboration with The Money Awareness and Inclusion Awards (the MAIAs) which celebrate the increasingly important work being done to help people understand money better. Learn more: https://www.maiawards.org.   👉 Start Your Financial Readiness Plan: A free, practical plan that helps you create your in-case-of-emergency Financial First Aid Kit, organize what matters, and prepare before life happens. Start Your Free Financial Readiness Plan  https://www.tonysteuer.com👉 Support the Mission: Become a Get Ready Insider and receive access to the Get Ready Library while helping support my mission to help people prepare before life happens. Become a Get Ready Insider  https://www.tonysteuer.com/get-ready-insiderSupport the showThe Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer. 

Send us Fan MailEnd-of-life planning is about more than death, it’s about leaving your family with clarity, stability, and peace of mind.On this episode of The Get Ready Money Podcast, I spoke with Greg Barnsdale, death doula and author of Do Not Ignore Your Mortality about why end-of-life planning is one of the most meaningful acts of preparation we can make for our families.📝 Takeaways 🔹 Planning ahead reduces stress and confusion for loved ones. 🔹 Communication with family and advisors is the starting point.🔹 Clear wishes and documents create emotional and financial resilience. 🔹 Preparation helps prevent family conflict during difficult times. 🔹 Thoughtful planning supports meaningful legacies and charitable impact. 🔹 Insurance protects families from unexpected financial shocks. 🔹 Planning early ensures protections are in place. Tony’s Take: End-of-life planning is an act of love. When we organize our wishes and prepare our affairs, we leave our families with clarity, resilience, and the space to focus on what matters most.Connect with Greg Barnsdale:Website: https://www.donotignoreyourmortality.comLinkedIn: https://www.linkedin.com/in/gregbarnsdale/Facebook: https://www.facebook.com/donotignoreyourmortality/TikTok: https://www.tiktok.com/@gregbarnsdale_YouTube: https://www.youtube.com/@GregBarnsdaleBook: Do Not Ignore Your Mortality: Practical Advice From a Funeral & Financial Insider (book website) (Amazon) Resource:Article: How and why to help your clients prepare for their passing (here) Bio: Greg Barnsdale is a unique death doula. As a licensed funeral director, Certified Executor Advisor, Certified Financial Planner, Certified Grief Coach, ghostwriter and hospice volunteer, he brings a perspective shared by few others. He successfully published a well-received book, which is thought-provoking and engaging. Shortly after publication, Greg was diagnosed with a large brain tumour. Faced with prompt brain surgery or a death sentence, he emerged with a very compelling message.He stresses that estate planning helps alleviate the stress of aging, leaves survivors more financially and emotionally resilient, and increases the likelihood of harmony and reduces the risk of contesting final wishes. More meaningful legacies and greater social capital often result. Immense pressure is alleviated from the courts, and cumulatively, the economy benefits. It's a massive win for everyone.Greg is on a mission to inspire others to speak with their loved ones about their end-of-life wishes while minds are clear & time is plentiful. Although these conversations can be difficult to have, they're far better than not having them. Greg stresses that, aside from leaving our loved ones with financial security, leaving them with proper end-of-life direction is the ultimate gift of love.☕ Support the Get Ready Movement.If these conversations help you think differently about money or prepare for life’s what-ifs, your support helps expand financial readiness education and keep this work accessible.👉 Support (here)Support the showThe Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer. 

Send us Fan MailThe best financial plans start with who you are and the life you want to live.On this episode of The Get Ready Money Podcast, I spoke with Mike Milligan, CFP and author of The One of a Kind Financial Plan Book about how to build a personalized financial plan and retirement strategy that aligns your money, values, and relationships with the life you want to live.Takeaways🔹 One-of-a-kind lives deserve one-of-a-kind financial plans. 🔹 Retirement Chi is what you want your money to do.  🔹 A clear retirement vision includes health, community, and impact. 🔹 Understanding your past money experiences helps shape future decisions. 🔹 Diversification applies to life purpose as much as financial risk. 🔹 Community and relationships are powerful predictors of happiness and longevity. 🔹 Financial planning should align money with who you are and how you want to live.Tony’s Take: Financial planning works best when it starts with purpose. When we define what matters, build a vision for our lives, and align money with our values, our plan becomes more than numbers. It becomes a guide for living well.Connect with Mike Milligan, CFP:Instagram (1.oak Financial): https://www.instagram.com/1oakfinancial/LinkedIn: https://www.linkedin.com/in/mikemilligancfp/Website: https://www.mikemilligan.com/ 1.oak Financial Website: https://1oakfinancial.com/Podcast:Ideas By Mike: https://www.youtube.com/@1.oakfinancialResources mentioned:1929: Inside the Greatest Crash in Wall Street History--and How It Shattered a Nation By Andrew Sorkin (Amazon)Bio: Mike Milligan is a purpose-driven financial advisor, educator, and entrepreneur, whose career began in his family’s small business as a boy in North Carolina. Today,Mike is the founder of Ideas By Mike, and 1.oak Financial, and a leading voice in client-centered, impact-driven financial planning world.He holds the Certified Financial Planner (CFP®) and Accredited Investment Fiduciary®credentials and has helped thousands of clients make sense of their wealth, extend their well-being, and live out their goals authentically. Mike uses active listening, health-focused strategies, and decades of expertise to turn financial jargon into actionable steps. His belief in financial wellness comes from real life—helping both clients and students design plans that support their one of a kind lives.Mike’s teaching style focuses on clarity, empathy, and fun. Students and clients alike benefit from his ability to translate complex strategies into everyday solutions.Through workshops, courses, and speaking events, Mike continues to inspire others to make a real impact, both financially and personally.☕ Support the Get Ready Movement.If these conversations help you think differently about money or prepare for life’s what-ifs, your support helps expand financial readiness education and keep this work accessible.👉 Support (here)Support the showThe Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer. 

Send us Fan MailWhat if the next chapter of your career is an opportunity to design a life filled with meaning, contribution, and new possibilities?On this episode of The Get Ready Money Podcast, I spoke with Maria Dastur, Founder of Second Half Community about rethinking retirement and designing a portfolio life that blends purpose, contribution, and financial security.Key Takeaways: 🔹 A portfolio life diversifies multiple streams of meaning, purpose, and income.🔹 Strong networks provide support and opportunity during career transitions.🔹 New chapters often require learning new skills and perspectives.🔹 Failure and discomfort often lead to the most meaningful growth.🔹 Clear non-negotiables help guide career and life decisions.🔹 Knowing your financial numbers allows you to pivot with confidence.🔹 Retirement can become a phase of contribution, flexibility, and impact.🎯 Tony’s Take: A fulfilling life after mid-career comes from clarity, curiosity, and community. When we know our numbers, stay open to learning, and surround ourselves with people who believe in us, we create the freedom to design the next chapter with purpose.Connect with Maria Dastur, MBA:LinkedIn: https://www.linkedin.com/in/mariadastur/Second Half Community Website: https://www.secondhalfcommunity.comYouTube: https://www.youtube.com/@secondhalfcommunityResources mentioned:Find Your Passion in Refirement! With Kathleen Rehl on the Get Ready Before Life Happens Podcast (here)Redefining Success for Women in Finance: The Power of Your Network with Cameo Roberson & Kari Ellis on the Get Ready Before Life Happens Podcast (here) Bio: Maria Dastur is an award-winning leader, career coach, and community builder dedicated to helping people break down barriers and thrive in their careers and lives. After more than 20 years in non-profit leadership, she launched the Second Half Community to help individuals realign their careers with who they are now. Maria’s mission is simple: help people create work that fits their life, not the other way around.☕ Support the Get Ready Movement.If these conversations help you think differently about money or prepare for life’s what-ifs, your support helps expand financial readiness education and keep this work accessible.👉 Support (here)Support the showThe Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer. 

Send us Fan MailAre you trading your health for money?  On this episode, I speak with Stevyn Guinnip, author of Grow Wellthy, about the idea of “health net worth,” the compounding effect of daily habits, and why retirement planning should focus on health span, not just life span. Key Takeaways:🔹 Your health is an asset that directly impacts your financial life.🔹 Retirement planning should consider health span, not just life span.🔹 Small health habits compound just like financial investments.🔹 Identifying health assets and liabilities helps reduce long-term risk.🔹 The four-step hierarchy of health includes mindset, mend, meals, and movement.🔹 Protecting your energy is as important as protecting your money.🔹 You cannot separate health and wealth, they influence each other over time.Tony’s Take: If we treat health as an asset and invest in it early, we give our future selves more options, more energy, and fewer regrets.Connect with Stevyn Guinnip:LinkedIn: https://www.linkedin.com/in/stevyn-guinnip/Instagram: https://www.instagram.com/growwellthy/Email: [email protected] Grow Wellthy Website: www.growwellthy.comBooks: Grow Wellthy: The Financial Advisor's 4-Step Plan to Protect Your Health Like an Asset (Amazon: https://amzn.to/4pKP8Ft)(ebook: https://growwellthybook.com)Bio: Stevyn Guinnip, MS, is an author, health coach, and international speaker dedicated to helping financial advisors and their clients live well longer. After surviving a personal health crisis, she founded Grow Wellthy™ to merge her expertise in exercise physiology with her firsthand understanding of the financial world as a financial advisor’s daughter. Today, she speaks globally, coaches advisors, and equips firms with strategies to protect health as the true retirement multiplier. Stevyn lives in Portugal with her husband and two children.☕ Support the Get Ready Movement.If these conversations help you think differently about money or prepare for life’s what-ifs, your support helps expand financial readiness education and keep this work accessible.👉 Support (here)Support the showThe Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer. 

Send us Fan MailAre you making financial decisions consciously, or being nudged by forces you do not see?On this episode, I speak with Ceres Chua, Money Psychologist and Financial Coach about the hidden psychology shaping our financial decisions. We explore how unconscious biases, money scripts, and marketing language influence the way we think about spending, saving, and sufficiency. Key Takeaways🔹 Much of our financial decision-making happens at a subconscious level.🔹 Marketing language often leverages unconscious biases to influence spending.🔹 Anchoring bias causes us to rely heavily on the first number we see.🔹 Understanding your money script helps you recognize how you think about money.🔹 Before making a decision, ask whether emotion or outside influence is driving it.🔹 A sufficiency mindset focuses on defining what is enough rather than chasing more.🔹 Reflecting on your beliefs about money strengthens clarity, peace, and intention.Tony’s Take: When we understand how our mindset, biases, and marketing influence shape our decisions, we gain the clarity to choose intentionally and define what “enough” truly means for us.Connect with Ceres Chua:LinkedIn: https://www.linkedin.com/in/cereschua/The Money Mindset Lab Website & Mind Over Money Newsletter: https://www.themoneymindsetlab.comResources mentioned:The Soul of Money: Transforming Your Relationship with Money and Life Reprint Edition by Lynne Twist (Amazon)Bio: I became obsessed with personal finance when I realized $14K a year in graduate school had to stretch far beyond what it was designed to do. I was trying to crack the code of living well on very little. That experience sparked a lifelong interest in the psychology of money and how our habits, emotions, and past experiences shape the way we make financial decisions.After 20 years in corporate, I took all those lessons—both professional and painfully personal—and was pulled toward the work behind the spreadsheets: helping women feel capable and calm about money. Along the way, it became crystal clear who I’m meant to serve: women who are thinking about starting a business or are in the messy early stages of building one—before things feel stable or predictable. Entrepreneurship is hard enough. It gets even harder when your finances feel confusing, reactive, or out of control.Now, I am building a DIY personal finance community for women solopreneurs and aspiring entrepreneurs. Inside, we focus on the real money questions that show up when you work for yourself—how much you actually need saved before you start, how to manage uneven cash flow and taxes, and how to plan for retirement when your income isn’t predictable. The goal is to create a community of women with confidence, clarity, and a calmer relationship with money—so money stops being a source of stress and starts to become a tool they know how to use to grow their business.☕ Support the Get Ready Movement.If these conversations help you think differently about money or prepare for life’s what-ifs, your support helps expand financial readiness education and keep this work accessible.👉 Support (here)Support the showThe Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer. 

Send us Fan MailWith the right financial plan and clear intention, your goals become achievable, not abstract.On this episode, I speak with Dr. Severine Bryan, Accredited Financial Counselor and host of The Dr. Sev Talks Money Podcast about how our money story shapes our decisions, how to process financial setbacks without shame, and why community, clarity, and a plan can help turn goals into reality.Key Takeaways:🔹 Financial success is rooted in intention.🔹 The way we were socialized around money shapes how we handle it today.🔹 A clear plan helps turn goals into actionable steps.🔹 Understanding your “why” creates focus and direction.🔹 Taking a breath before major purchases protects long-term vision.🔹 Financial setbacks require reflection, support, and self-forgiveness.🔹 Having a community reduces shame and helps us rebuild with clarity.Tony’s Take: When we approach our finances with intention, process our setbacks, and stay connected to community, we create the space to rewrite our money story and move forward with purpose.Connect with Dr. Severine Bryan: Website: https://www.sevtalksmoney.comLinkedIn: https://www.linkedin.com/in/severinebryan-financialeducator/Community: https://www.skool.com/wealth-warriors-community-1025/aboutPodcast:The Dr. Sev Talks Money Podcast: https://www.sevtalksmoney.com/podcast/Resources mentioned:Get Ready Podcast: Redefining Success for Women in Finance: The Power of Your Network with Cameo Roberson and Kari Ellis (here) Bio: Bio: Dr. Severine Bryan is an Accredited Financial Counselor®, financial educator, and host of the Dr. Sev Talks Money podcast. She empowers women, especially those 40 and over, to rebuild after financial setbacks. Having rebuilt her own finances after divorce, she brings empathy, professional training, and lived experience to help women shift their money mindset and develop sustainable habits. Through her company, Sev Talks Money, she offers individual and group coaching as well as workplace workshops for corporations, nonprofits, and small businesses, blending the practical side of money management with the emotional side of how we relate to money. Dr. Bryan creates judgment-free spaces where women learn to use money as a tool for freedom.☕ Support the Get Ready Movement.If these conversations help you think differently about money or prepare for life’s what-ifs, your support helps expand financial readiness education and keep this work accessible.👉 Support (here)Support the showThe Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer. 

Send us Fan MailWhen control shapes financial decisions, listening becomes the most important tool we have.In Part 2, I spoke with Joy Slabaugh, CFP, about how advisors and advocates can thoughtfully respond when they suspect a power imbalance is shaping financial decisions.🔹 Financial abuse is controlling someone’s ability to acquire, use, or maintain economic resources. 🔹 Advisors should be curious and let clients describe their experience in their own words. 🔹 Focus on agency and access rather than labeling abuse directly. 🔹 Never explore sensitive concerns in front of a potentially controlling partner. 🔹 Separate meetings can safely surface power imbalances. 🔹 Move at the client’s timing and give options rather than directives. 🔹 Familiarize yourself with local resources so you can anchor support when needed. Tony’s Take: When we listen first and protect agency, we create a safe space where clients can find clarity and options on their own timing.Connect withJoy Slabaugh, CFP®:Website: https://joyslabaugh.comLinkedIn: https://www.linkedin.com/in/joyslabaugh/Bio: Joy Slabaugh is a Certified Financial Planner™ professional, licensed therapist, and educator specializing in the psychological and relational dynamics of wealth. With advanced degrees in taxation and mental health counseling, she bridges the gap between financial strategy and human connection, helping high-net-worth individuals, couples, and financial advisors navigate the complexities of wealth with greater clarity, purpose, and impact.Joy’s expertise spans wealth management, behavioral finance, and advisor training, equipping financial professionals with the relational skills needed to build trust and deepen client relationships. She also works directly with ultra-high-net-worth individuals, guiding them through the emotional and identity challenges that often accompany significant wealth.A sought-after speaker, consultant, and industry thought leader, Joy has worked with top financial firms and private clients, reshaping the way people think about money beyond numbers. Her work challenges the traditional wealth narrative, offering a more human, values-driven approach to financial decision-making. Whether through keynote talks, advisor coaching, or client consulting, Joy empowers people to align wealth with impact, ensuring their financial success creates lasting fulfillment and meaningful change.👉 Start Your Financial Readiness Plan: A free, practical plan that helps you create your in-case-of-emergency Financial First Aid Kit, organize what matters, and prepare before life happens. Start Your Free Financial Readiness Plan  https://www.tonysteuer.com👉 Support the Mission: Become a Get Ready Insider and receive access to the Get Ready Library while helping support my mission to help people prepare before life happens. Become a Get Ready Insider  https://www.tonysteuer.com/get-ready-insiderSupport the showThe Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer. 

Send us Fan MailFinancial abuse often begins quietly, with small patterns of control that slowly reshape someone’s financial agency.In part one of this two-part episode, Joy Slabaugh, CFP® and I explore what financial abuse is, how it shows up in relationships, and what advisors and families should be listening for.Key Takeaways🔹 Financial abuse is about control, using money to limit another person’s autonomy.🔹 It often begins subtly and develops gradually over time.🔹 Many abusive relationships involve multiple forms of abuse simultaneously.🔹 Advisors should look for patterns, language, and imbalance in shared decision-making.🔹 In couples, listen for shared ownership and whether both voices are heard.🔹 It exists on a spectrum, from account restriction to hidden assets and coercion.🔹 Intergenerational financial control can carry harmful “strings”.🔹 Financial abuse can exist at any income level and in any type of relationship.📊 By the Numbers1 in 5 men and 1 in 7 women experience financial abuse in their lifetime.14% report currently experiencing financial abuse.Tony’s Take: Financial readiness includes recognizing coercion, imbalance, and control in money relationships. Listening carefully may be one of the most important skills advisors develop.Connect withJoy Slabaugh, CFP®:Website: https://joyslabaugh.comLinkedIn: https://www.linkedin.com/in/joyslabaugh/Bio: Joy Slabaugh is a Certified Financial Planner™ professional, licensed therapist, and educator specializing in the psychological and relational dynamics of wealth. With advanced degrees in taxation and mental health counseling, she bridges the gap between financial strategy and human connection, helping high-net-worth individuals, couples, and financial advisors navigate the complexities of wealth with greater clarity, purpose, and impact.Joy’s expertise spans wealth management, behavioral finance, and advisor training, equipping financial professionals with the relational skills needed to build trust and deepen client relationships. She also works directly with ultra-high-net-worth individuals, guiding them through the emotional and identity challenges that often accompany significant wealth.A sought-after speaker, consultant, and industry thought leader, Joy has worked with top financial firms and private clients, reshaping the way people think about money beyond numbers. Her work challenges the traditional wealth narrative, offering a more human, values-driven approach to financial decision-making. Whether through keynote talks, advisor coaching, or client consulting, Joy empowers people to align wealth with impact, ensuring their financial success creates lasting fulfillment and meaningful change.👉 Start Your Financial Readiness Plan: A free, practical plan that helps you create your in-case-of-emergency Financial First Aid Kit, organize what matters, and prepare before life happens. Start Your Free Financial Readiness Plan  https://www.tonysteuer.com👉 Support the Mission: Become a Get Ready Insider and receive access to the Get Ready Library while helping support my mission to help people prepare before life happens. Become a Get Ready Insider  https://www.tonysteuer.com/get-ready-insiderSupport the showThe Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer. 

Send us Fan MailAI is moving fast. The real question isn’t whether it will replace jobs. It’s which skills will still matter.In this episode, Chris Heye and I explore how AI may reshape financial planning, why communication and coaching are rising in importance, and what advisors must develop to stay relevant in the next 3–5 years.🔑 Key Takeaways🔹Most technologies create more jobs than they destroy, but AI’s speed makes this moment different.🔹AI may not replace advisors, but it can replace technical skills and levels of expertise.🔹Research from David Autor suggests technology reshapes tasks, not entire professions.🔹The future of advising leans toward the consigliere model: guide, coach, communicator.🔹Clients value help during life transitions, health events, and uncertainty more than technical reports.🔹Low client satisfaction is a warning sign the industry cannot ignore.🔹Advisors have a choice: use AI to augment their expertise or risk being replaced by it.Tony’s Take: AI can democratize access to financial tools and knowledge. The differentiator becomes human judgment, empathy, curiosity, and relationship.Develop the skills AI cannot replicate. Use AI to elevate your impact.Connect with Chris Heye, PhD:LinkedIn (here)Whealthcare Planning Website (here)Whealthbot (here)Whealthchat (Whealthchat.ai)Resources:The Whealthcare Wire - LinkedIn newsletter (here) Working with AI: Measuring the Applicability of Generative AI to Occupations from Microsoft (here)Bio: Chris Heye, PhD is the Founder of Whealthcare Planning LLC and Whealthcare Solutions, Inc. He is a technology entrepreneur, writer, researcher, speaker, and product innovator with a passion for crafting solutions to the challenges and opportunities that reside at the intersection of personal finance, health, and longevity.  Chris is also a published author and frequent industry conference speaker, excelling in both internal and external communications and guiding teams and clients through change and innovation. He has a unique ability to translate complex concepts and problems into actionable plans and products. Extensive experience aligning activities, strategies, and messaging across product development, marketing, and sales teams.☕ Support the Get Ready Movement.If these conversations help you think differently about money or prepare for life’s what-ifs, your support helps expand financial readiness education and keep this work accessible.👉 Support (here)Support the showThe Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer. 

Send us Fan MailLong-term care will impact most families, the question is whether you plan for it or react to it.In this episode, Nathan Sanow breaks down what long-term care really means, how insurance works as a leverage tool, and why planning early protects both dignity and relationships.Key Takeaways🔹 Everyone needs a long-term care plan whether or not it includes insurance.🔹 Medicare and traditional health insurance do not cover most long-term care costs.🔹 Long-term care insurance is a leverage tool that transfers risk.🔹 Planning early reduces family conflict and preserves control.🔹 Long-term care planning protects dignity and the people you love.🔹 Since you usually get one chance to qualify for long-term care insurance and carriers assess risk differently, specialist guidance matters.💭 Tony’s Take: Risk management is about being prepared for life’s what ifs. Long-term care planning allows families to make decisions thoughtfully instead of under pressure.Connect with Nathan Sanow: LinkedIn: https://www.linkedin.com/in/nathansanow/Mastercare Website: https://www.mastercareco.comLTC Consumer Website: https://ltcconsumer.comBio: Nathan Sanow is President and owner of MasterCare and LTCConsumer.com.  He has held senior leadership positions and provided consulting for several of the nation’s largest insurance companies.  Nathan’s focus is changing the insurance industry through technology to allow consumers, employers, and employees to choose products that protect what is most important to them.  He joined MasterCare America in 2012, a leading national Long Term Care planning firm, to bring innovation and technology to the Long Term Care industry.   Nathan is a frequent speaker at industry conferences on the future of the insurance industry and how technology will play a role in that future. In his spare time he is a car enthusiast and enjoys traveling with his wife and 5 kids.☕ Become a Get Ready InsiderSupport the mission to help more people become financially ready and receive the Financial Readiness Plan as a thank you.👉 Support (here)Support the showThe Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer. 

Send us Fan MailPhilanthropy is more than writing a check, it’s an opportunity to shape the world you want to live in.In this episode, Deborah Goldstein, Philanthropic Advisor and Founder of Enlightened Philanthropy, shares how philanthropy becomes a reflection of your values, your legacy, and your vision for the future.Key Takeaways🔹 Philanthropy is an opportunity to create the world you want to live in.🔹 Giving starts with your values and aligns best when it reflects who you are.🔹 Philanthropy is for everyone and can include time, talent, ties, testimony, truth, and treasure.🔹 Donor-advised funds and family foundations help structure intentional giving.🔹 Philanthropic advisors help families design strategies that maximize impact.🔹 Modeling generosity teaches the next generation how and why to give.🔹 The most meaningful gifts often reflect clarity, courage, and compassion.💭 Tony’s Take: Financial readiness includes thinking about impact, legacy, and generosity. When we give with intention, philanthropy becomes a powerful expression of who we are and what we value.Connect with Deborah Goldstein:Enlightened Philanthropy Website (here)LinkedIn (here)Instagram (here)TEDx Talk:Are you a philanthropist? | Deborah Goldstein | TEDxSantaCatalinaSchool - Watch on (YouTube) Resources mentioned:The Donor Bill of Rights: https://afpglobal.org/donor-bill-rightsBio: Deborah Goldstein, founder of Enlightened Philanthropy, is dedicated to guiding philanthropists in giving. Drawing from more than 25 years of experience in the nonprofit field, she supports clients on their philanthropic journey helping them align their values with their giving so they can give with clarity and confidence. Goldstein particularly enjoys helping families give collaboratively and experience meaningful moments together as the next generation engages in this process. She is also the creator of Philanthropy Camp for Women, an opportunity for women to explore their giving and learn in community.Goldstein holds a BA in Biology from Wittenberg University and a Master’s Degree in Marine Policy with a Certificate in Museum Studies from the University of Delaware. She has worked for Oregon State University, the Oregon Museum of Science and Industry, and the Monterey Bay Aquarium. Goldstein is a 21/64-certified consultant. She is also co-Dean of Philanthropy for the Purposeful Planning Institute. ☕ Support the Get Ready Movement.If these conversations help you think differently about money or prepare for life’s what-ifs, your support helps expand financial readiness education and keep this work accessible.👉 Support (here)Support the showThe Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer. 

Send us Fan MailInvesting confidence begins with asking better questions and taking consistent action.In this conversation, Diana Perkins shares how curiosity, emotional regulation, and asking better questions can shift you from reactive to confident, especially for women who’ve been conditioned to stay on the sidelines. Key Takeaways🔹Curiosity builds investing confidence by shifting you from reacting to responding.🔹Women are often conditioned away from investing, even though they tend to generate strong long-term returns.🔹Markets run on fear and greed, so emotional control creates an edge.🔹Time in the market matters more than timing the market.🔹You can start investing with what you have and within your risk tolerance.🔹Small action reduces fear and weakens limiting beliefs.🔹An abundance mindset expands what feels possible financially.🔹Save and invest first so you can spend the rest guilt-free.Connect with Diana Perkins:LinkedIn: https://www.linkedin.com/in/diana-perkins-cpa-6513498/Trading with Diana website: https://tradingwithdiana.comInstagram: https://www.instagram.com/tradingwithdianaMentioned:Acorns: https://www.acorns.comGreenlight: https://greenlight.comBio: Diana Perkins is the Founder of Trading with Diana, a financial education and coaching platform that helps professionals build wealth through the stock market with clarity and confidence. She is a CPA with over 20 years of experience across equity options trading, management consulting, and business advisory roles, bringing both technical expertise and a practical, real-world perspective to investing.Diana works with individuals at different stages of their investing journeys who want to understand how to navigate the financial markets, make informed decisions with their money, and develop an approach to investing that feels structured and sustainable rather than overwhelming or intimidating. Her approach focuses on technical analysis, risk management, and mindset, helping clients develop a clear plan and invest in the stock market with confidence.☕ Support the Get Ready Movement.If these conversations help you think differently about money or prepare for life’s what-ifs, your support helps expand financial readiness education and keep this work accessible.👉 Support (here)Support the showThe Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer. 

Send us Fan MailMoney decisions are rarely just about numbers. They’re shaped by identity, lived experience, values, and psychology, especially for people who are highly sensitive or hold marginalized identities.In this conversation, Diana Yanez, Certified Financial Planner and host of the Highly Sensitive Money Podcast explores how understanding who you are and what you care about can help you build a healthier, more values-aligned relationship with money.🔹 Aligning money and work with your values builds clarity, energy, and purpose.🔹Highly sensitive people relate to money through empathy, overwhelm, and deep processing.🔹Community investing uses money to strengthen solidarity and shared good.🔹Knowing who you are helps clarify who you are best positioned to serve.🔹Values-aligned investing can be simple, starting with where you choose to invest.🔹Marginalized experiences shape money beliefs through both harm and resilience.🔹Self-trust is key to money confidence🔹Your worth is not your net worth💭 Tony’s Take: Financial readiness includes emotional safety and self-trust. When people understand that money is a psychological and values-based decision rather than a measure of worth, they gain permission to engage with it on their own terms.Connect with Diana Yanez, MA, CFP:LinkedInAll The Colors websiteAll The Colors InstagramNatural Investments WebsiteHighly Sensitive Money Podcast: AudioYouTubeReferenced: Impact Philanthropy Advisor program - Daylight AdvisorsHow Financial Trauma Shapes Our Relationship With Money with Rahkim Sabree on the Get Ready Before Life Happens PodcastThe Psychology of Money by Morgan HouselBari TesslerBio: Diana Gisel Yañez, CFP®, is a money coach at All the Colors and wealth manager at Natural Investments. As an individual and group coach, Diana specializes in helping women of color entrepreneurs create sustainable money systems for themselves, their loved ones and their communities. Through Natural Investments, Diana supports impact investors in aligning their values and investments. Diana is also the host of Highly Sensitive Money, a podcast that provides resources for highly sensitive people to align their money and their values. Diana earned her CERTIFIED FINANCIAL PLANNER™ Practitioner designation and the Registered Life Planner™ designation. Diana completed Compassionate Inquiry™ training to enhance her facilitation skills in a trauma informed way. ☕ Support the Get Ready Movement.If these conversations help you think differently about money or prepare for life’s what-ifs, your support helps expand financial readiness education and keep this work accessible.👉 Support (here)Support the showThe Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer. 

Send us Fan MailRetirement today looks nothing like it did a generation ago. With fewer pensions, longer lifespans, and more personal responsibility, the real question isn’t when you retire, it’s who you become next.In this conversation, Joy Levin, Certified Professional Retirement Coach reframes retirement as an encore chapter; one rooted in values, meaning, community, and intentional experimentation.Key Takeaways🔹 Retirement is an opportunity, not a finish line.🔹 People want greater agency over how they live, work, and contribute in their later chapters.🔹 Values are the foundation of your encore identity🔹 Purpose shows up through passion and meaning🔹 Community and environment matter, because who you’re around and where you engage can either support or drain your next chapter.🔹 The encore arc includes recalibration🔹 Retirement will look different for all of us. 💭 Tony’s Take: Retirement readiness isn’t just financial. It’s emotional, social, and deeply personal. When we normalize recalibration and encourage small experiments, we give people permission to evolve with intention rather than drift into uncertainty.Connect with Joy Levin:LinkedIn: https://www.linkedin.com/in/joyatallium/Gen X Encore Website: https://www.genxencorelife.comAllium Research and Analytics Website: https://www.alliumresearch.comFacebook: https://www.facebook.com/GenXExecEncore/Resources mentioned:Encore Map Starter Guide (free download): https://gen-x-exec-encore.kit.com/6055bb7f5b Bio: Joy Levin is the Founder and President of Gen X Exec Encore. In working with Gen X high-achieving professionals, she recognizes that for many, this next phase isn't about traditional retirement—it's about creating an encore that blends passion, purpose, and new opportunities.As a market research consultant and entrepreneur for nearly three decades, Joy has guided executives and business owners across industries in making strategic, well-informed decisions. Like many Gen Xers, she wants a future in which she can remain productive, explore meaningful pursuits, and build new connections. With an honest, warm, friendly and highly professional approach, she guides accomplished professionals to discover their next purpose-driven chapter, empowering them to create an encore life with confidence and clarity.☕ Support the Get Ready Movement.If these conversations help you think differently about money or prepare for life’s what-ifs, your support helps expand financial readiness education and keep this work accessible.👉 Support (here) Support the showThe Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer. 

Send us Fan MailOn this episode of The Get Ready Money Podcast, I spoke with Rahkim Sabree, financial therapist and author of Overcoming Financial Trauma, about how our earliest experiences with money shape our behavior, stress responses, and sense of safety, often long before we have the language to understand what’s happening.Rahkim explains that financial trauma isn’t a personal failure or a lack of knowledge. It’s a response to real threats, systemic forces, and lived experiences that affect everyone, regardless of income or privilege. We explore how survival states influence financial decisions, why financial literacy alone isn’t always the answer, and how healing begins by addressing root causes rather than symptoms.🔑 Key Takeaways🔹 Financial trauma often begins early in life, before we have the awareness or tools to understand it🔹 Stress responses around money are shaped by perceived threats to safety, not intelligence or discipline🔹 Financial trauma affects people across all income levels and backgrounds🔹 Living in survival mode can make traditional financial advice feel out of reach or even harmful🔹 Financial trauma is not a personal failing. It reflects systemic conditions and lived experiences🔹 Building generational wealth requires shared values, trust, and collective buy-in, not just assets🔹 Community and connection are essential to healing financial trauma and creating sustainable wealthThis conversation reframes money struggles as a shared human experience and highlights the importance of community, context, and compassion in building lasting financial resilience.Connect with Rahkim Sabree:LinkedInWebsiteBooks:Overcoming Financial Trauma: How to Break Free from Guilt, Build Wealth, and Redefine SuccessFinancially IrresponsibleMentorship: The PlaybookJourney to Financial Wellness: Exploring Emotions, Money Beliefs and HealingMoney TALK$: Uncut Convos with Financial Experts on How to Grow, Leverage and Protect Your Assets (Money TALK$: Uncut Convos With Power Couples About Love, Money & Entrepreneurship)Bio: Rahkim Sabree is an award-winning Financial Therapist, Accredited Financial Counselor®, author, and keynote speaker with an emerging voice in the fields of financial therapy and financial empowerment. He is the author of the book Overcoming Financial Trauma, which explores the intersection of money, trauma, and healing. Rahkim is particularly renowned for his efforts to demystify financial trauma among underserved communities. With a dynamic background that bridges financial services, public speaking, and inclusive financial wellness, he is dedicated to helping individuals and organizations challenge traditional views of financial freedom and personal growth.☕ Support the Get Ready Movement.If these conversations help you think differently about money or prepare for life’s what-ifs, your support helps expand financial readiness education and keep this work accessible.👉 Support (here)Support the showThe Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer. 

Send us Fan MailOn this episode of The Get Ready Money Podcast, I spoke with Els Lagrou, author and financial literacy expert, about why financial literacy alone isn’t enough and how financial resilience, inclusion, and wellbeing must be part of the conversation.Els explains that even people with strong financial knowledge can experience stress and insecurity if they lack resilience. We explore what it means to absorb financial shocks like job loss or divorce, why shame keeps people from asking for help, and how inclusion ensures everyone can participate fully in financial life.We also discuss the role of employers, leaders, and technology in supporting better money decisions, and why real progress starts with small actions and consistent habits.🔹 Financial literacy is knowing what to do, while financial resilience is the ability to absorb life’s shocks like job loss, divorce, or illness🔹 Even people with strong financial knowledge can experience stress if they don’t feel secure or prepared🔹 Financial stress directly impacts wellbeing, confidence, and participation in everyday life🔹 Inclusion matters because people who lack resilience often disengage or are left without support🔹 Shame affects everyone and prevents open, productive conversations about money🔹 Financial education works best when it focuses on action and habit-building, not just information🔹 Progress starts with small steps, including making regular “financial appointments” with yourself🔹 Leaders and CEO’s struggle to talk about money when they don’t have personal experience with moneyConnect with Els Lagrou:LinkedInLinkedIn (dagelijiks geld)WebsiteBook:  Waarom we meer over geld moeten praten – Dagelijks Geld Bio: Els Lagrou is the inspirator and co-founder of Dagelijks Geld . During her career in the financial sector, she worked for seven years at Wikifin, the financial education program of the Belgian Financial Services and Markets Authority. Her extensive expertise in financial education and literacy led her to the OECD in Paris, where she led projects on financial literacy, well-being, and resilience in seven different countries. Through the international network on financial education (OECD/INFE), she was able to gather and share knowledge, insights, and best practices with experts from 130 countries. In 2023, she founded Dagelijks Geld (Daily Money). Previously, she worked as a senior policy analyst and coordinator on financial literacy at the OECD in the Directorate for Financial and Enterprise Affaires. She coordinated the work of the OECD/INFE Technical Assistance project on financial education in the Commonwealth of Independent States (CIS). In collaboration with The Money Awareness and Inclusion Awards (the MAIAs) celebrate the increasingly important work being done to help people understand money better. Learn more: https://www.maiawards.org.   ☕ Support the Get Ready Movement.If these conversations help you think differently about money or prepare for life’s what-ifs, your support helps expand financial readiness education and keep this work accessible.👉 Support (here)Support the showThe Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer. 

Send us Fan MailOn this episode of The Get Ready Money Podcast, I spoke with Julie Pinkerton, CEO and founder of Evozen and creator of the ClientFirst platform, about why human connection, not algorithms, drives meaningful professional relationships.Julie shares why the most effective way to grow your business often comes through peer relationships, how understanding behavioral styles improves communication, and why authenticity matters even more in a technology-driven world. We also explore how AI can support connection without replacing it, and why you don’t need to be an extrovert to be a strong networker.🔑 Key Takeaways🔹 The best way to be able to bring in new clients is to be able to work with other peers in the same industry.🔹 Networking is shaped by how people experience you, not just how often you show up🔹 Understanding behavioral styles helps you communicate more effectively with others🔹 Being cognizant of your style allows you to make adjustments🔹 Meaningful relationships are built through small, thoughtful actions, not big gestures🔹 Remembering what matters to others helps people feel seen and valued🔹 AI can support connection, however it can’t replace human judgment and trust🔹 You don’t need to be an extrovert to build strong professional relationshipsTechnology should make us more human, not less. Our ability to connect authentically may become our greatest differentiator in an increasingly automated world.Connect with Julie PinkertonClientFirst Website (here)LinkedIn (here)Bio: Julie Pinkerton, CLU®, ChFC®, LUTCF® is the CEO of Evozen, LLC. Evozen's ClientFirst™ community unites independent Rainmakers in insurance, investments, law and tax as Centers of Influence. ClientFirst™ is solving the most challenging problem these professions face - the continual need for organic client growth. ClientFirst™ is the only national, fully-diverse digital community that creates the right environment for people to connect in order to provide top service to their clients and solve their most challenging problems.  Julie is a contributing writer for U.S. News & World Report, focusing on financial topics since 2021. She is in the midst of authoring a book, "BLINK, ☕ Support the Get Ready Movement.If these conversations help you think differently about money or prepare for life’s what-ifs, your support helps expand financial readiness education and keep this work accessible.👉 Support (here)Support the showThe Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer. 

Send us Fan MailOn this episode of The Get Ready Money Podcast, I spoke with Eric Blake, host of The Simply Retirement Podcast and founder of Blake Wealth Management to talk about how women are redefining retirement, decision-making, and what it means to use money intentionally.As women become the primary recipients of the great wealth transition, Eric explains why traditional financial conversations need to evolve. We explore why women often approach money through the lens of goals and family impact, how caregiving and pay gaps shape financial outcomes, and why listening, education, and partnership matter more than perfect plans.🔑 Key Takeaways🔹 Women tend to connect money decisions to goals, family, and life impact rather than benchmarks🔹 Pay gaps and caregiving responsibilities impact savings🔹 Taking an active role in money decisions builds confidence and clarity🔹 Advisors should proactively include both partners and focus on listening first🔹 Women will go to advisors who listen to them 🔹 Education-first conversations help people feel informed and empowered🔹 Money works best as a tool to support goals, not a scorecard to measure success🔹 Retirement should be a journey rather than an end pointThis conversation is a reminder that retirement is a journey shaped by intention, confidence, and alignment with what matters most.Connect with Eric Blake, CFP®:LinkedIn  (here)Blake Wealth Management Website (here)Facebook (here) Podcast:The Simply Retirement Podcast (here)(YouTube) Resource:Ultimate Guide to Women’s Social Security Success (here) :  www.womenssocialsecurityguide.com. Bio: Eric Blake, CFP® is the founder of Blake Wealth Management, specializing in helping women 55+ navigate retirement with clarity and confidence. With more than 25 years of experience, Eric provides strategies t o optimize investments, create reliable income, and minimize taxes. Inspired by his mother and grandmother's financial journeys, Eric has a personal passion for empowering women to take control of their financial future. Eric is also the host of The Simply Retirement Podcast. ☕ Support the Get Ready Movement.If these conversations help you think differently about money or prepare for life’s what-ifs, your support helps expand financial readiness education and keep this work accessible.👉 Support (here)Support the showThe Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer. 

Send us Fan MailOn this episode of The Get Ready Money Podcast, I spoke with Taj Chiu, divorce coach, about navigating divorce as both a financial and emotional transition, and how clarity, communication, and planning can help people move forward with greater confidence.Taj reframes divorce not as a failure, but as a forcing function that invites reflection, growth, and better alignment with what comes next. We explore why knowledge is one of the strongest antidotes to fear, how emotional and legal divorces differ, and why having a real plan for your money matters more than simply tracking balances.Key Takeaways🔹 Walking into the storm can help you move through divorce with more clarity and intention 🔹 Divorce is both a financial and emotional grief process, often with multiple stages 🔹 Knowledge and information are powerful tools for reducing fear 🔹 The emotional divorce can outlast the legal divorce, especially when there are kids.  🔹 Clear communication helps both parties get on even ground and reduces unnecessary conflict 🔹 Differences are not weaknesses and deserve acknowledgment and respect 🔹 Financial literacy alone isn’t enough, experience and application matterThis episode is a reminder that readiness during divorce comes from understanding yourself, your money, and your next chapter, not from avoiding hard conversations.Connect with Taj Chiu:LinkedIn: https://www.linkedin.com/in/tajchiu/Website: https://tajchiu.comResources mentioned:Financial Date Discussion Cards Website (here) Check out my conversation with BatSheva Goldstein the creator of the Financial Date Discussion cards: The Power of Money Conversations: Emotions Over Dollars (here).Bio: Taj Johnson Chiu is a Certified Divorce and Financial Coach. She works with parents who are trying to keep their footing during one of the hardest chapters of their lives. She helps people sort through the choices, the money questions, and the day to day realities of separating a family, especially when they want to stay out of court and keep things steady for their kids. A lot of her work is simply helping people feel less alone while they figure out what comes next.Before she ever became a divorce coach, Taj spent more than twenty years in technical consulting and running a small business. That experience shaped the way she supports families today: practical, calm, and focused on what actually helps. She especially loves working with LGBTQ+ parents and neurodivergent families, and she cares deeply about helping people move through divorce without losing themselves or the relationships that matter most.☕ Support the Get Ready Movement.If these conversations help you think differently about money or prepare for life’s what-ifs, your support helps expand financial readiness education and keep this work accessible.👉 Support (here)Support the showThe Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer. 

Send us Fan MailWhat if learning about money felt more like running a lemonade stand than sitting in a classroom?Can a video game improve financial literacy for kids? In this episode, Mac Gardner joins me to explore how Berryville teaches money, entrepreneurship, and real-world financial habits through hands-on experience.Key Takeaways🔹 Financial literacy sticks when it’s fun, practical, and interactive.🔹 Berryville teaches money through entrepreneurship, showing how earning connects to spending and saving.🔹 Early financial habits shape long-term outcomes, often more than income level.🔹 Financial education starts at home and empowers parents to have better money conversations.🔹 Games can democratize financial literacy by making it accessible and engaging.🔹 Teaching kids to realize, recognize, and rationalize builds stronger financial judgment.🔹 Staying curious about money builds lifelong financial confidence.💭 Tony’s TakeFinancial readiness starts earlier than we think. When we make learning about money engaging and habit-based, we give the next generation a powerful head start.Connect with Mac Gardner, CFP® LinkedIn: https://www.linkedin.com/in/macgardner/The Four Money Bears: https://www.thefourmoneybears.comFinlit Tech Website: https://finlittech.comMNY Fraternity Website: www.MNYFraternity.orgBooks: Motivate Your Money!: Plan Spend Save Invest Gift (Amazon)The Four Money Bears - Mac Gardner (Amazon) Berryville Books Bio: Mac Gardner, a Certified Financial Planner practitioner, has served in the financial services industry for more than 20 years. Mac is the author of “Motivate Your Money!” and "The Four Money Bears" which teaches children about the four basic functions of money. Mac also serves as Founder and Chief Education Officer of FinLit Tech.  The company's mission is "Building a Bridge Between Financial Literacy and Financial Technology". FinLit Tech develops Financial Education tools to start the personal finance education journey from as early as elementary school.  Mac's passion to bring more young people into the Financial Services industry led him to create the first co-ed Professional Fraternity for Financial Planning degree seeking students.  Mu Nu Upsilon (MNY) Fraternity, helps to bring high achieving students together with industry professionals to help them along their financial career journey.☕ Support the Get Ready Movement.If these conversations help you think differently about money or prepare for life’s what-ifs, your support helps expand financial readiness education and keep this work accessible.👉 Support (here)Support the showThe Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer. 

Send us Fan MailOn this episode of Get Ready: Before Life Happens, I spoke with Sharan Kaur Varaitch, founder of Build and Conquer Financial Literacy, about her journey growing up paycheck to paycheck, supporting her family from a young age, and discovering how saving, investing, and asking better questions helped her build stability and purpose. 🔑 Key Takeaways🔹 Financial literacy begins with lived experience rather than formal education🔹 Starting early, even with small steps, creates long-term impact through time and patience🔹 Teachers and intermediaries need financial confidence before they can effectively teach others🔹 Talking openly about money helps reduce shame and normalizes these conversations🔹 Financial literacy strengthens resilience at both the household and community level🔹 Money decisions are most effective when they align with personal goals and values, not comparisons with others🔹 Money and prosperity are everyone’s birthrightTony’s Take: Financial literacy starts with mindset, teachers play a critical role, and open conversations about money can help break generational cycles and create a more equitable future.Connect with Sharan Kaur Varaitch:Build & Conquer Financial Literacy Website https://www.buildconquer.comLinkedIn: https://www.linkedin.com/in/sharan-kaur-v-75780928b/Bio: Sharan Kaur Varaitch is the Founder and Director of Build & Conquer Financial Literacy, dedicated to lifelong financial education through a whole organisation approach. With over 15 years’ experience in Organisational Development, HR, Learning & Development, and Change Management, she blends strategic insight with a passion for financial empowerment. A committed investor for over 15 years, Sharan knows how financial literacy transforms lives. Her mission is to make financial education accessible, practical and embedded in everyday learning, helping young people, educators and adults build confidence, make informed decisions and create lasting change. ☕ Support the Get Ready Movement.If these conversations help you think differently about money or prepare for life’s what-ifs, your support helps expand financial readiness education and keep this work accessible.👉 Support (here)Support the showThe Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer.