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PODCAST · business

The Money Diaries

Welcome! I am Nicole Ayub, a women on Wall Street and founder of Wall Street Girl Next Door. This podcast explores the deeper relationship women have with money. Designed for high-earning women who want more than just financial advice, each episode blends practical wealth strategy with the emotional and behavioral patterns that shape how we earn, spend, and build wealth. Here we talk about: • Breaking the paycheck-to-paycheck cycle• Aligning money with the life you actually want• The psychology behind spending and earning• Stepping into financial power without shame or scarcityBecause wealth isn’t just built with numbers.It’s built with clarity, confidence, and alignment.

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    Episode 51: The Cost of Our Silence... Why Women Talking About Money Changes Everything

    Can I be honest with you about something? I have spent 13 years on Wall Street. I sat in rooms where men talked about money constantly... their portfolios, their negotiations, their next move. Freely. Casually. Like it was the most natural thing in the world.  And I watched brilliant, high-earning women go completely quiet when money came up. Change the subject. Laugh it off. Say "I don't really know that much about it" when they absolutely did.  I did it too. And it cost me.  Here's what I want you to understand: the silence around women and money was not an accident. It was engineered. Until 1974, we couldn't get a credit card without a man's signature. Until 1988, many of us couldn't get a business loan on our own. The laws changed. The cultural conditioning? That is still very much in the room, and it is showing up in our net worth.  In this episode I'm breaking down exactly what financial silence costs us. And it is not small.  Here's what we cover:  💸 The difference between the pay gap and the wealth gap — and why the wealth gap is the number that actually keeps high-earning women stuck 🏠 The homeownership shift that nobody is talking about enough — for the first time in history, single women own more homes than single men. 58% of all homes held by unmarried Americans. We built our way in. 🧠 The nervous system cost of financial silence — why avoidance, overspending, and feeling frozen around money are not character flaws. They are programming. And they can be rewired. 💬 What actually changes when women talk about money — in our paychecks, our assets, our generational wealth, and our sense of what we're allowed to want ✨ How to start the conversation — even when it feels uncomfortable, even when you don't have it figured out, even if you're the first woman in your circle to go there  This is not a personal finance episode. This is a reckoning.  The women who are building real wealth are talking to each other. They're comparing notes. They're being honest about mistakes. They're saying the numbers out loud. You deserve to be in that conversation... not someday. Now.  The salary is a start. The assets are the game. And the more we talk, the better we get at both.  EPISODE TIMESTAMPS 0:00 The silence experiment 3:00 The history that created the silence 7:00 The gender wealth gap and why it's bigger than the pay gap 9:00 Single women now own more homes than men what this means 11:30 The nervous system cost of financial silence 13:00 What changes when women talk about money 15:30 How to actually start the conversation 18:30 This week's challenge + close  If this episode hit different, come find me inside the community. I send emails on money, nervous system work, and building real wealth as a high-earning woman... the stuff we don't talk about enough. I also host in-person and virtual events to create space for women to feel supported with talking about money. Join the list at: www.wallstreetgirlnextdoor.com IG - Threads - TikTok @wallstreetgirlnextdoor  And if you know a woman who needs to hear this episode, please share it with her. That's how we break the silence. xo, Nicole

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    Episode 50: Limiting Beliefs, Nervous System Patterns & the Real Reason You're Still Broke on a Big Salary

    Why do so many high-earning women still feel broke? In this powerful solo episode, I go beyond budgeting, saving, and investing to uncover the real reason your finances feel stuck... even on a six-figure salary. After 13 years on Wall Street and working closely with ambitious, successful women, I’ve seen this truth over and over again: 👉 It’s not your income.   👉 It’s not your strategy.   👉 It’s your money beliefs and nervous system patterns. In this episode, I break down the limiting beliefs about money that silently shape your financial reality and how your nervous system may be keeping you in cycles of scarcity, overspending, or financial self-sabotage. If you’ve ever felt guilt around earning more, avoided your finances, or wondered why wealth still feels out of reach… this episode will shift everything. 💡 What You’ll Learn What limiting beliefs about money actually are (and how they form before age 7) Why even smart, successful women struggle with money mindset The top 5 money beliefs keeping high earners stuck How your nervous system impacts your finances more than your budget Why you may be unconsciously sabotaging wealth-building Simple, powerful steps to start rewiring your money mindset 🔑 The 5 Money Beliefs Keeping You Stuck These are the most common subconscious beliefs affecting high-earning women: “I don’t deserve to have more than the people I love.” “Rich people are greedy, selfish, or corrupt.” “I have to earn the right to rest.” “More money means more problems.” “I’m bad with money.” If any of these felt familiar, your nervous system may be driving your financial decisions more than you think. 🧠 The Nervous System & Money Connection Most personal finance advice ignores this: Your financial habits are not just logical — they are physiological. Avoiding your bank account = nervous system response Overspending after receiving money = regulation pattern Feeling shame around money = stored emotional memory This is why traditional financial advice often doesn’t stick. You can’t out-strategize a dysregulated nervous system. 🔄 How to Start Rewiring Your Money Beliefs You don’t need to overhaul your entire life — start here: 1. Name It to Tame It Get specific about the belief running the show. 2. Find Evidence Against It Actively prove your old story wrong. 3. Choose a New Story Adopt a belief that feels possible, not perfect: “I am learning to trust myself with money.” “I am building a new relationship with wealth.” ✨ Key Takeaway Your financial situation is not a reflection of your intelligence, worth, or discipline. It’s a reflection of the beliefs and patterns you’ve been running on autopilot. And those? Can be changed. 📣 Share This Episode If this resonated, send it to a woman in your life who needs to hear it. Because the more financially empowered women we have, the more everything changes. 🔗 Work With Me Ready to go deeper into your money mindset, nervous system, and wealth-building? → Explore coaching, programs, and resources here: The Wealth Alignment Method 1:1 Program https://www.wallstreetgirlnextdoor.com/one-to-one The Embodied Wealth Dinner April 16th NYC https://www.wallstreetgirlnextdoor.com/dinner → Follow along on Instagram & TikTok @wallstreetgirlnextdoor 🎧 Loved This Episode? Follow Wall Street Girl Next Door Leave a 5-star review Share on Instagram & tag me

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    Episode 49: Breaking the 'F*ck-It' Cycle: How High Earners Can Reclaim Their Money Power

    In this episode I share an honest exploration of the 'f*ck-its'—moments of financial burnout and rebellion—and offers practical strategies for high earning women to reconnect with their money, reduce shame, and build sustainable wealth. Key Topics -The concept of 'f*ck-its' and its psychological roots -Types of 'f*ck-its': burnout, resentment, milestone -Recognizing the signs of financial avoidance and shame spirals -Practical steps to reset and realign your financial life -The importance of honest goal setting and pleasure in money management Highlights: "Awareness is the first step to change." "The 'f*ck-its' are data, not a verdict on you." "Breaking the cycle is about honesty, not shame." Keywords personal finance, high earners, money mindset, financial burnout, wealth building, money management, behavioral economics, financial goals, money habits, emotional spending

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    Episode 48: The Dopamine Trap: What’s Really Happening in Your Brain When You Spend

    You Don't Have a Discipline Problem. You Have a Dopamine Problem.You’re smart. You’re high-earning. So why doesn’t the bank account show it? I have spent 13 years on Wall Street. I have sat across from women making $200K, $300K, half a million dollars a year who cannot figure out why their bank account doesn't reflect what they earn. And when we start peeling it back, one of the biggest culprits isn't bad budgeting or lack of discipline. It's dopamine. In this episode I'm breaking down exactly how your brain's reward system is running your financial life — often without your permission — and what you can actually do about it. Not a lecture. Not a shame spiral. Just the truth about what's happening neurologically when you spend, and the tools to change it. What I Cover Why dopamine is the anticipation chemical, not the pleasure chemical, and why that distinction changes everything about how you spend How retail platforms, e-commerce apps, and social media are specifically engineered to exploit your brain's reward loop (this is not an accident) Why high-earning women are uniquely vulnerable to this cycle and why the gap between income and wealth can quietly grow for years before you notice it The 4 spending patterns I see most in my clients: the stress spender, the aspirational collector, the social comparison spender, and the reward spender 5 neuroscience-backed strategies to interrupt the dopamine loop and start making intentional financial decisions A Question To Sit With This Week Before your next non-essential purchase, pause and ask yourself: Do I want this — or do I want the feeling of wanting it? Write down what you notice. That one question, practiced consistently, has changed everything for my clients. If this episode resonated and you're ready to do this work at a deeper level — to actually align your money with your nervous system, your values, and the life you want — I'd love to connect. Work with me: https://www.wallstreetgirlnextdoor.com/one-to-one Follow me on Instagram & TikTok: @wallstreetgirlnextdoor Free Masterclass: High Earner, Not Rich Yet https://www.wallstreetgirlnextdoor.com/masterclass And if this episode helped you, please share it with one woman in your life who needs to hear it. Leave a review if you're feeling generous — it helps more women find this work. xo    

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    Episode 47: A Decade-by-Decade Wealth Strategy for High-Earning Women

    If you’ve ever wondered how much you should have saved by 30… Or how to structure your retirement strategy in your 40s… Or whether you’re “behind” financially…   This episode breaks it down clearly and strategically.  In this conversation, I, a current Wall Street professional turned wealth alignment coach, walks through how to manage your money in your 20s, 30s, 40s, 50s, and 60s.  This is a tactical and psychological roadmap for building wealth at every stage of life.  If you are a high-earning woman who wants to stop living paycheck to paycheck, even on a large salary, and start thinking long-term, this episode will help you create structure, clarity, and confidence around your financial future.  Why Thinking in Decades Changes Everything  Most financial stress comes from short-term thinking.  When you zoom out and build a decade-based wealth strategy:  You reduce financial anxiety  You make smarter investing decisions  You align spending with long-term goals  You stop reacting and start leading  This episode combines practical financial planning advice with wealth psychology — because building wealth isn’t just about numbers. It’s about capacity.   Who This Episode Is For  is episode is for: High-earning women who don’t feel financially secure yet Professionals navigating career growth and rising income Women who want clear retirement savings benchmarks by age Anyone who wants a structured wealth-building roadmap  Work With Me if you’re ready to: Align your income with long-term wealth strategy Increase investments without increasing anxiety Build a decade-based financial plan Stop earning more and still feeling behind The Wealth Alignment Method helps high-earning women build sustainable, strategic wealth without burnout.  Learn more in the links below or DM DECADE on Instagram to start the conversation. Please share this episode with another woman so we can start having more financially empowered women in the world. I would also appreciate if you can rate and review the show on whichever platform you are listening on!

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    Episode 46: Why a Woman With Her Own Money Intimidates People

    In this episode, I explore why financial independence in women can feel confronting to others and to ourselves. This isn’t about ego. It’s about sovereignty. It’s about choice. And it’s about what shifts when a woman no longer needs permission to survive. I share insights from my 13 years on Wall Street and break down the difference between earning money and embodying financial power. Because making money is common. Feeling grounded, clear, and self-led while holding it? That’s the real work. In This Episode, I Cover: Why a financially self-led woman can feel “intimidating” The historical context of women and financial access (including the impact of the Equal Credit Opportunity Act) The difference between earning income and holding wealth confidently Why high-earning women still avoid looking at their numbers The emotional and nervous system side of money How alignment creates real financial power What changes in your relationships, career, and standards when you stop outsourcing financial decisions Key Takeaways: Independence removes leverage — and that can feel disruptive. Power with money is not about the number in your account. It’s about how you feel when you look at it. Avoidance is expensive. Alignment creates calm. Choice is the ultimate form of wealth. Reflective Questions From This Episode: Do I feel calm when I open my banking app? Does my spending reflect my actual priorities? Where am I outsourcing financial decisions I’m capable of making? If money felt fully safe in my hands, how would I show up differently? About me: I have spent 13 years on Wall Street advising high-net-worth individuals before transitioning into helping high-earning women break the paycheck-to-paycheck cycle and align their money with the life they truly desire. My work blends strategy, identity, and emotional regulation... because wealth isn’t just built through spreadsheets. It’s embodied. Ready to Go Deeper? The Wealth Alignment Method is my signature framework for women who want to feel powerful, precise, and self-led with their money. If this episode resonated, share it with a woman who’s ready to stop outsourcing her power and start holding it. I would love if you could pass this episode on to another woman in your life that needs to hear this message. If you enjoy the show please leave a comment or rating. xo

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    Episode 45: The time I bought $200 worth of candles. A lesson in Self-Soothing, Spending & Financial Awareness

    In this episode, I share a personal (and slightly funny) story about the time I bought $200 worth of Bath & Body Works candles while recovering from a traumatic accident and why it had nothing to do with the candles. This conversation isn’t about “bad spending.” It’s about awareness. We explore how emotional spending, self-soothing, and instant gratification quietly shape our financial lives—especially for high-earning women who still feel stuck, anxious, or disconnected from their money. This episode is a reminder that wealth isn’t built through perfection. It’s built through honesty, nervous system awareness, and new habits that don’t rely on shame. The real reason behind the $200 candle purchase Why emotional spending isn’t about the dollar amount How self-soothing with money becomes a habit (and how it compounds) The difference between one conscious choice and repeated unconscious behavior Why financial shame keeps people stuck in the spending cycle How to pause before purchases without deprivation or rigidity Simple ways to regulate your nervous system without hurting your finances Why learning to say “no” to yourself builds financial confidence How to shift from instant gratification to aligned wealth Awareness is the first step to changing your relationship with money Emotional spending doesn’t make you bad with money—it makes you human Wealth grows when spending aligns with priorities, not emotions You don’t need dramatic changes—small pauses create big shifts Financial confidence comes from trusting yourself, not being perfect What emotions usually show up before you spend? Are your purchases bringing relief—or reinforcing shame? Is this choice moving you closer to or further from the life you want? Emotional spending & self-soothing Nervous system regulation and money Dopamine, shopping, and instant gratification (future episode) Follow me on TikTok & Instagram: @WallStreetGirlNextDoor If this episode resonated, share it with a woman who needs to hear that she’s not broken—she just needs a different relationship with her money. And if you enjoyed this episode, leaving a rating or review helps spread the message of financially empowered women. 💸✨

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    Episode 44: The Truth No One Says Out Loud About Women and Money: How to Take Your Financial Power Back

    High-earning women often struggle with money not because of income, but because of conditioning. Learn how to take your financial power back and build aligned wealth. Many women earn well yet still feel anxious, disconnected, or behind with money. In this episode, we unpack the truth no one says out loud about women and money: financial struggle is rarely about intelligence or income—it’s about conditioning, power, and nervous system safety. This conversation is for high-earning women who want to stop reacting to money and start leading it. We explore why earning more doesn’t always create financial security, how women unknowingly give their power away with money, and what it truly looks like to take control of your finances in an aligned, sustainable way. If you’re ready to build wealth that feels grounded, confident, and expansive, this episode will shift how you see money—and yourself. In This Episode, You’ll Learn: Why women struggle with money even when they earn high incomes How financial conditioning impacts women’s confidence and decision-making Real examples of everyday money behaviors that leak power The role of the nervous system in financial anxiety and avoidance Why income alone doesn’t create wealth or safety What taking financial power back actually looks like in practice How the Wealth Alignment Method helps women build confident, aligned wealth Key Topics Covered: Women and financial authority Emotional and nervous system responses to money High income vs. true wealth Financial self-trust and clarity Wealth strategy rooted in alignment, not fear Who This Episode Is For: High-earning women who still feel behind financially Women who want more confidence and control with money Those interested in wealth building for women beyond budgeting Anyone ready to shift from money anxiety to financial leadership Take the Next Step: Wealth Alignment Method If this episode resonated, the Wealth Alignment Method was created for women who want to build wealth with clarity, confidence, and self-trust—without fear or restriction. This method blends financial strategy with embodiment so your money supports both your life and your nervous system. DM “ALIGN” on Instagram to learn more.  If you enjoyed this episode, share it with a woman who’s ready to take her financial power back. Follow for more conversations on women, money, wealth building, and financial empowerment.  

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    Episode 43: Living Below Your Means is Outdated & Rooted in Scarcity

    In this episode, I challenge one of the most traditional pieces of financial advice women have heard for decades: “Live below your means.” While it may sound responsible, this mindset often keeps women small, afraid to expand, and energetically aligned with scarcity. I explore why this advice is outdated — and what a more empowered, feminine, sovereign approach to money actually looks like. This is a must-listen if you’re ready to break out of survival mode, heal your money story, and rise into your next level of wealth. In This Episode, I Cover: • The real origin of “live below your means” How this advice was built in a time when women were conditioned to stay small and financially dependent. • Why restriction creates scarcity, not safety The nervous system and energetic impact of constantly shrinking your lifestyle to feel secure. • How “living below your means” blocks your ability to receive more Why contraction leads to lack, fear, and stagnation — and how this pattern quietly limits earning potential. • The new paradigm for empowered wealth What it looks like to lead with capacity, trust, alignment, and expansion instead of fear. • Practical steps to shift into financial sovereignty: You’ll learn how to… — Build overflow instead of restriction — Make aligned money decisions — Increase your receiving capacity — Expand your earning potential — Create safety without shrinking your desires Key Takeaways: Living below your means is not empowerment — it’s survival mode. Women don’t need to spend life trying to stay “small enough” to feel safe. Wealth comes from clarity, capacity, and trust — not from chronic restriction. Your next level requires expansion, not contraction. You get to build wealth from a regulated, powerful, sovereign place — not fear. 💗 Invitation If this episode inspired you to rethink your relationship with money, share it with another woman who is stepping into her financial power. And if you’re ready to deepen your work around money, empowerment, and feminine wealth, explore the programs and resources linked in the link in my bio on Instagram. Instagram & TikTok: wallstreetgirlnextdoor

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    Episode 42: How to Build an Emergency Fund When Money Feels Tight

    In this episode, we explore how to build an emergency fund gently, gradually, and without overwhelm, even if money already feels tight. No shame. No pressure. Just soft, grounded, feminine financial guidance that supports your nervous system and reconnects you to safety. What You’ll Learn: Why an emergency fund isn’t about having a lot of money — it’s about having safety and choice The real reasons saving feels hard (and why it’s not your fault) How to start saving with tiny, manageable amounts that don’t activate scarcity The power of micro goals and how they create momentum Why automation is one of the gentlest forms of self-support How the “Found Money Rule” can grow your savings almost effortlessly A feminine, non-restrictive approach to temporary micro-cuts How visual tracking helps regulate your nervous system and keeps you motivated Key Takeaways: You don’t need to start with $1,000 — you can start with $5. Small, consistent steps build safety more effectively than big, overwhelming ones. Your emergency fund is a boundary between you and chaos. Saving is not punishment; it’s self-support. Every dollar saved is a vote for a more secure, grounded version of you. Journal Prompts: What does financial safety feel like in my body? What amount of money feels safe for me to save each week? Where in my life can I create gentle micro-shifts instead of big sacrifices? What story about saving am I ready to release? Episode Quote “Your emergency fund doesn’t have to be big to be powerful. Every dollar is a boundary between you and crisis.” Connect With Me Instagram & TikTok: @wallstreetgirlnextdoor If this episode supported you, please share it with a woman who needs this gentle reminder and I would love if you could a review. 💛

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    Episode 41: Redefining Wealth for Women with Ruchi Pinniger

    In this episode, former Wall Street CFO turned financial mentor Ruchi Pinniger joins me to talk about redefining what it really means to be wealthy—beyond the numbers in your bank account. We unpack Ruchi’s three pillars of prosperity—well-being, spirituality, and healthy relationships—why hustle culture keeps women disconnected from abundance, and how to build a sense of safety and ease around money. You’ll also hear Ruchi’s RIR Method™ (Recognize, Interrupt, Reframe) for shifting money beliefs and how your nervous system determines the level of wealth you can hold. Resources mentioned: Free Cashflow Confidence™ Mini-Course: ⁠watchherprosper.com/cashflow⁠Redefining Prosperity Workshop: ⁠redefiningprosperity.com (use code WSGND for $100 off) Connect with Ruchi:   Website: ⁠watchherprosper.com⁠   Instagram: ⁠@watchherprosper Connect with me:   Instagram: ⁠@wallstreetgirlnextdoor⁠   Website: ⁠wallstreetgirlnextdoor.com⁠   Course: ⁠Invitation to Money

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    Episode 40: When You Feel Resistance to Working on Your Money

    If you’ve ever felt that tightness in your chest when you sit down to look at your bank account… or found yourself avoiding your finances even when you know you should be paying attention...this episode is for you. In this episode I unpack what resistance to money work really means and why it’s not a sign of failure, but an invitation. We will explore how resistance is a form of protection rooted in your nervous system, your past experiences, and generational conditioning around money and worth. You’ll walk away with a deeper understanding of why this happens and simple, compassionate ways to begin moving through resistance — gently and powerfully. 💡 In This Episode, You’ll Learn: Why resistance to money is a nervous system response, not a personal flaw. The subtle ways resistance shows up in your daily life. How generational and cultural conditioning shape your emotional relationship with money. Simple, body-based practices to soften resistance and begin feeling safe with money again. The importance of taking small, loving steps instead of forcing financial “fixes.” How to begin building safety, consistency, and confidence in your financial life. 🌹 Key Quotes: “Resistance isn’t failure. It’s actually a signal — a sign that something inside you is ready to evolve.” “What you avoid holds power over you. The moment you turn toward it, that power starts to dissolve.” “Money is neutral. It’s not the villain or the savior — it’s a mirror reflecting your sense of safety and worth.” 💫 Resources Mentioned: An Invitation to Money my new course designed to help women move through resistance, regulate their nervous system, and create a healthy, empowering relationship with money. www.wallstreetgirlnextdoor.com/invitation-to-money ❤️ Connect with me: Instagram & TikTok: @wallstreetgirlnextdoor Website: www.wallstreetgirlnextdoor.com Join the email list for upcoming workshops, meditations, and all things money. 🎧 Listen & Share: If this episode resonated with you, please share it with another woman who’s ready to heal her relationship with money. And don’t forget to rate and review the show — it helps this work reach more women who need it.

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    Episode 39: Beyond the Abundance Mindset: Healing Scarcity Through the Body & Nervous System

    We’ve all heard about the importance of an “abundance mindset,” but what if shifting out of scarcity goes deeper than your thoughts? In this episode, I share why scarcity isn’t just mental — it lives in your body and your nervous system. Unless you feel safe with money on a physical level, no amount of affirmations or positive thinking will stick. We’ll explore how generational money trauma shapes your relationship with money, why safety is the missing piece in abundance work, and practical tools to help you rewire your body to feel safe receiving, holding, and spending money. By the end of this episode, you’ll understand how to embody abundance — not just think about it. What You’ll Learn in This Episode: -Why scarcity lives in your body, not just your mind -How your nervous system responds to money and creates patterns of fear -The role of generational money trauma and how it gets passed down -Practical ways to create safety with money in your daily life -The difference between “thinking abundant” and embodying abundance Resources & Practices Mentioned: -Breathwork before spending or paying bills -Turning money check-ins into grounding rituals -Embodied gratitude practice -Aligned spending vs. scarcity-driven spending -Visualization as a nervous system rewire Closing Reminder: Scarcity is a survival lens. Abundance is a trust lens. Shifting into abundance means teaching your body it’s safe to receive, safe to hold, and safe to spend. When you create that safety, you’re not only transforming your own money story — you’re breaking generational cycles. If you enjoy the episode pass it along to friend. Also if you enjoy the show please leave a review or rating! I would really appreciate your support.

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    Episode 38: Hannah's Money Story & Soul Aligned Money

    You are going to love hearing Hannah's money story on this episode! Hannah shares how she grew up with money, overcame overspending, paid off her debt and is now thriving in her healing business. I love hearing people share about their financial journey because we all have a money story. Hannah and I talk about one of my fav topics which is the impact of soul aligned money and how many in the hands of the right people can change the world. Enjoy this episode and you can find Hannah: https://www.healingwithhannah.ca/   https://www.instagram.com/healing.with.hannah/   https://www.amazon.ca/dp/1777439701?ref_=pe_41291580_475834480_E_301_dt_1

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    Episode 37: Advice I’d Give My 20yo Self About Money & Life

    If you could go back and talk to your 20yo self, what would you say? In this heartfelt episode, I’m sharing the money and life lessons I wish I knew sooner — the kind of advice that can save you years of stress, wasted time, and financial mistakes. From starting to invest early to healing your inner child, these tips will help you build both wealth and a life you actually love. Whether you’re in your 20s or starting fresh at any age, these lessons are timeless. What You’ll Learn in This Episode: -Why starting to save and invest early is your greatest financial advantage -How to stop spending money to impress others -The power of setting clear goals for your life and finances -Why investing in yourself always pays the best return -The importance of choosing supportive friends and community -How healing your inner child impacts your money and relationships -The freedom and growth that comes from solo travel -Why loving yourself is the foundation for every decision you make

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    Episode 36: Money & Ego: The Hidden Dynamic Holding You Back

    In this episode, we dive deep into the often overlooked but powerful connection between money and ego — especially for millennials who are high earners, but still feel like they’re not quite there yet. If you’ve ever hit an income goal and still felt behind, ashamed, or stuck in comparison mode, this conversation is for you. I explore how your ego — the part of you that wants to be validated, admired, and seen as “successful” — can unconsciously shape your spending habits, money goals, and financial stress. You’ll learn: What the ego actually is and how it impacts your financial choices 5 ways your ego might be sabotaging your financial peace How to recognize ego-led money decisions vs. aligned ones Practical mindset shifts to move from proving your worth to embodying it This episode will help you start creating wealth from a place of clarity, not comparison — and finally feel good about where you are, not just where you're going. 🎧 Tune in now and reclaim your financial power from your ego.

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    Episode 35: Solo & Thriving: The Power of Doing Things By Yourself

    In this episode, I am talking about why doing things solo is not just okay—it’s empowering and fun. Society often tells us that being alone means being lonely, but that couldn’t be further from the truth. I’ll cover: ✨ Why we feel awkward doing things alone ✨ The confidence and freedom that come from solo experiences ✨ How to start small and genuinely enjoy your own company ✨ Tips for concerts, travel, and other fun things to try solo Whether it’s a coffee date with yourself, buying that concert ticket for one, or planning a solo trip, this episode will inspire you to say YES to your own company—without waiting for anyone else’s permission. What You’ll Learn: ✔ Why doing things alone builds self-trust and confidence ✔ How solo experiences create freedom and empowerment ✔ Simple ways to start enjoying time by yourself Takeaway: Life doesn’t wait for anyone—so stop waiting for company. Be your own yes.

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    Episode 34: Why money alone won’t make you happy — and what real wealth actually looks like

    In this episode, I challenge the belief that money alone creates happiness and explore the deeper truth behind what it really means to be wealthy. While financial abundance is valuable, it’s only one piece of a much larger puzzle. You’ll learn about the different forms of wealth — emotional, relational, time, physical, spiritual, and financial — and how each one contributes to a rich, meaningful life. This is your invitation to redefine success on your terms and start building a life that feels good on the inside, not just one that looks good on paper. Whether you’re on a financial growth journey or seeking more balance, this episode will help you reflect on what kind of wealth truly matters most to you. ✨ Topics we cover: * Why money alone won’t make you happy * The hidden forms of wealth most people ignore * A new definition of what it means to be “rich” * How to shift from chasing more to feeling whole 🎧 Listen now and take the first step toward living a more abundant, aligned, and authentic life.

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    Episode 33: What it means to be a financially empowered woman

    In this powerful episode, I explore what it truly means to be a financially empowered woman — and why it’s one of the most important things you can claim for yourself. I go beyond budgets and bank accounts to talk about confidence, freedom, and rewriting the money stories that no longer serve us. Whether you're just beginning your financial journey or you're ready to step into your next level of abundance, this episode will inspire you to take up space, trust yourself, and define wealth on your own terms. 🔑 In this episode, I cover: What financial empowerment really means for women today Why your relationship with money is a reflection of your self-worth How financial freedom gives you choice, agency, and joy Small but powerful steps you can take to start feeling more confident with money A quick guided reflection to connect with your wealthiest, most empowered self  This episode is your reminder: 💖 You are worthy of wealth. 💖 You are allowed to want more. 💖 And you are capable of creating a money life that feels grounded, expansive, and free. 🎧 Tune in and share this episode with a woman in your life who’s ready to rise financially — from the inside out. 📩 Want more empowering money conversations? Subscribe to the show and leave a review!

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    Episode 32: Why it is important for women to take control of their money

    Women! Taking control of your money is one of the most empowering things you can do in your life. In this episode, I discuss why it is essential for women, regardless of their relationship status, to take control of their money. When a woman takes control of her money, she dates differently and shows up in relationships differently. It builds financial confidence and self-worth. Enjoy the episode.

  21. 31

    Episode 31: Time & Money

    Time vs money Talking about how time is related to money is one of my fav things to talk about. Money you can make more of, time you cannot. Time and money are assets and forms of wealth, and what you do with one affects the other. Once time is spent, it’s gone forever. Money, on the other hand, can be earned, saved, invested, or recovered. Can money buy time? Yes and no. No, you cannot directly buy more time, but your money can allow you the freedom of how to spend your time and how much personal time you have, which is why it is important to be conscious of your relationship with your money. xoxo Enjoy the episode!

  22. 30

    Episode 30: What to do with your tax refund

    With tax day around the corner, many people will receive a tax refund. Here are some tips for what to do if you are receiving a refund. -Pay off debt -Build emergency savings -Put money towards your financial goals -Start investing

  23. 29

    Episode 29: Investor Psychology

    Investing can be an emotional game. There are behavioral and mental biases that affect people's reactions to investing. In this episode, I dive into the psychology behind making investing decisions. Emotional reactions to the stock market can cost you in the long run. Highlights: Behavioral Biases Affect Decisions Understanding Psychology Helps Manage Risk If you understand how others might react emotionally, you can make more strategic moves—like buying when others are fearful or selling when things feel too euphoric. Stay rational during market swings.   Stick to your long-term plan instead of making emotional moves.   Even though we like to think markets are rational and efficient, they're actually shaped by human emotions—like fear, greed, and excitement. This means: People might panic-sell during a market dip. Or chase trends when something's booming, creating bubbles. Enjoy the episode!

  24. 28

    Episode 28: How to save for retirement while paying down debt

    Everyone's money journey is personal to them and their circumstances. What might be appropriate for one person might not be suitable for someone else. That is why it is important to pay attention to your money journey and figure out what is going to work best for you and your money, especially long term. One common question I get is how do I save for retirement while I am paying down debt? This is where having someone guide you on your journey and create a path for you can help you navigate preparing for your future while you pay down your debt. Not one answer works for everyone, but in this episode, I share my personal journey and what I do in my life. I give suggestions on how to navigate this in your own money journey, but it is my mission to empower people to make healthy decisions with their money. Enjoy the episode!

  25. 27

    Episode 27: How the fires in LA have triggered peoples money wounds

    Fires have been burning through the city of Los Angeles in California for the past few days, and there has been mixed sentiment toward the people who have lost their homes. In this episode, I talk about how the fires have put people's money wounds on display and caused a lack of compassion towards those who have lost their homes. Society has made assumptions about how much wealth someone has based on their home and possessions, and if someone has wealth, it diminishes the fact that they have experienced something traumatic. This is an important topic and not an easy one to talk about, but one that needs to be addressed. Enjoy the episode, and I hope no matter where you are in the world, you stay safe and remain grateful for everything you have today.

  26. 26

    Episode 26: What to do with your bonus

    Bonus season is upon us and this is an important time to be intentional and conscious with your money. A bonus can make a significant difference in your financial situation and financial health. On this episode I give some tips on how to be financially conscious with your extra income. Bonus time can also be disappointing if expectations were not met. If that is the case then the emotions that come up should be processed so you do not carry them throughout the year. I hope you have an abundant bonus season and enjoy the episode. xoxo

  27. 25

    Episode 25: Navigating the holidays with your money

    The holiday season is upon us! This is the time of year when spending can go off the rails a bit, and credit card debt can increase. I love this time of year, and I love being generous with giving people gifts, but some years I have to be more creative and think of my financial situation. In this episode, I talk about how to navigate the holidays while being financially conscious with your money. The holidays are one season of the year, but the financial consequences stay with you. Think of how you want to end the year and start next year with your money. Do not let the holidays derail you from your bigger goals. Enjoy xoxo

  28. 24

    Episode 24: Why it is important to think about your financial future

    People will put off thinking about retirement until it is too late. Saving and preparing for retirement is a long journey and process which is why I talk about the importance of starting to think about your retirement today. I want everyone to be able to retire when you want and be able to have the quality of life that makes you happy. The reality is that will not happen for most people because people are not savings for retirement. This is an important topic and something I am very passionate about helping people realize. Preparing for retirement does not have to be overwhelming or drain your life today. It is about finding a balance between today and tomorrow. I hope you enjoy it, and please reach out if you need support to prepare for your future.

  29. 23

    Episode 23: Financial Infidelity

    Money is a significant part of a relationship. If there is not clear communication and transparency about money in a relationship, then things can happen secretively. In this episode, I explain financial infidelity and how it plays out in a relationship. Check out the episode to learn more about financial infidelity and some suggestions on how to avoid it happening in your relationship. Enjoy, and I hope this helps spread awareness about how important talking about money is in a relationship. xoxo

  30. 22

    Episode 22: Energy Behind Jealousy & Envy with Yarrow Kae

    This is a very special episode that I am happy to share with you! In this episode I have a conversation with my mentor Yarrow Kaye about the energy behind jealousy & envy. Yarrow also tells us about money in relation to the divine masculine and feminine. How you relate to your money energetically controls your relationship with money as a whole. It is so important to look beyond the numbers when it comes to your money. Enjoy the episode. Yarrow is a clinically trained therapist, healing artist, and leadership mentor. You can find her below: Instagram: @yarrowkaye Podcast: The Heal and Expand Podcast

  31. 21

    Episode 21: How to talk about money at your job with Katy Murray

    Conversations at work can be very challenging for people. In this episode, Katy Murray, the head of her HR department, gives tips on approaching conversations about money with your boss or manager. Katy shares her money story and how she overcame her fear of using her savings to invest in real estate. I could have talked to Katy for hours, I am sure you will love the episode! You can find Katy on one of her platforms: Ginger Biz The Podcast Spotify: https://open.spotify.com/show/6m5a4LaPYv0eWyX2aIRVC0?si=dc2210cea47f43d3 http://katymurrayphotography.com/ Instagram: gingerbiz

  32. 20

    Episode 20: Talking Wealth with Guys Guy Radio's Robert Manni

    Robert from Guys Guy Radio tells us his story of how he built his wealth, left the corporate world, and started his own business. GUY’S GUY RADIO features interviews with thought leaders across the worlds of relationships and modern masculinity, spirituality, health, wellness and diet, business, and much more. Robert offers his audience a fresh perspective through his Guy’s Guy lens for re-imagining a world where when men and women can be at their best and everyone wins. His acclaimed debut novel, The Guys' Guy's Guide to Love, is heralded as "the men's successor to Sex and the City". Enjoy the episode! You can find Robert via the channels below: Podcast: Guy's Guy Radio: https://podcasts.apple.com/us/podcast/guys-guy-radio-with-robert-manni/id1538244690 YouTube: Guy's Guy TV: https://www.youtube.com/c/RobertManni Twitter: https://twitter.com/RobertManni Instagram: https://www.instagram.com/robertmanni/ Facebook: https://facebook.com/RobertManniAuthor Blog: https://robertmanni.com/ UK Health Radio: https://ukhealthradio.com/blog/program/guys-guy-radio/

  33. 19

    Episode 19: Wealth Energetics with Kathleen Pitt the Quantum Psychic

    I loved my conversation with Kathleen Pitt, the Quantum Psychic. Kathleen shared her powerful money story with us, and we explored wealth energetics. Understanding the energy and frequency around money is very important to healing your relationship with money and bringing in abundance. I am sure you will love this episode as much as I do. You can find Kathleen on Instagram @thequantumpsychic

  34. 18

    Episode 18: Mindset Coaching with Josi Dumont

    I love talking about money mindset and on this episode I have mindset coach Josi Dumont tell us how she helps her clients with their mindset. Josi is a mindset coach, author, and has her own podcast. Find Josi at the below links: Website: https://josidumont.com/ Instagram: https://www.instagram.com/josi_dumont/ Threads: https://www.threads.net/@josi_dumont?xmt=AQGzRJwSvwmQBXdrbl0yjbKUgrubCaYyZNgEt7mec9VzKfs Linkedin: https://www.linkedin.com/in/dumont-josi/ YouTube: https://www.youtube.com/@josi_dumont Podcast: https://thejosidumontpodcast.buzzsprout.com To The Book: https://books2read.com/And-There-She-Goes-Her-Way

  35. 17

    Episode 17: Bookkeeping for small businesses with Serena Shoup

    I loved this conversation with Serena Shoup about her money story and the importance of bookkeeping for entrepreneurs and small business owners. You can connect with Serena below. instagram.com/ofcoursebookkeeping Website: http://ofcoursebookkeeping.com Free DIY Bookkeeping Guide: http://www.ofcoursebookkeeping.com/guide

  36. 16

    Episode 16: The energy of money with Beth of Inner Light Teaching

    In this episode, I talk with Beth about the energy of money, her journey with money, how she overcame fear, and paid off her debt. You can find out more about Beth and her offerings below. Beth Lynch Founder of Inner Light Teachings - Heart-Mind-Body-Spirit *Channeling *Meditation *Mindful Living Private- Group-Corporate *Virtual *In-Person *Phone www.innerlightteaching.com LAUNCHING 8.8.24 on Amazon! Heart & Soul Fitness Self-Spirit-Success The eBook will be 90% off and only $0.99 on August 28th. Get ready for a new fitness routine for your heart, mind, body & Spirit!

  37. 15

    Episode 15: Money and Dating

    In this episode, I have a conversation with my friend James about money and dating. We talk about the role of money in marriage, who should pay for the check, the importance of having conversations with your partner about money, and financial infidelity. We had some technical difficulties with James' audio, but it is still a great conversation on a very hot topic amongst singles everywhere. 

  38. 14

    Episode 14: Money and Relationships

    I have been having a lot of conversations with people lately about the role of money in relationships. This is a big topic and this is just the start of my thoughts about how to start having conversations about money with your partner.

  39. 13

    Episode 13: Manifesting with Millie the Spiritual Boss Lady

    On this episode I have a conversation with Millie the Spiritual Boss Lady! Millie tells us her money story and about her personal experience with financial infidelity and how she overcame her divorce and manifested the life she has today. Millie is a manifestation and business coach who uses EFT and NLP modalities to help her clients heal from past trauma. Her and I speak the same language about how your money mindset controls more than you realize. I hope you enjoy the episode! You can find Millie @spiritualbosslady on Instagram. She also has a free manifestation guide that you can download by clicking the link below. https://pensight.com/x/coachingwithmillie/how-i-manifested-200k

  40. 12

    Episode 12: The Financial Responsibility of Owning a Pet

    On this episode I talk about the financial responsibility of owning a pet and the financial journey of Gunner's adoption. I rescued my dog Gunner two years ago and it created a financial whirlwind for me. I talk about how pet insurance has helped ease the financial burden and other options for you to financially prepare for your pet. Pets are family members and their care is not cheap, but there is nothing better than sharing your life with a four-legged companion. I hope you enjoy the episode!

  41. 11

    Episode 11: Using money to fill internal voids

    If you are using your money to fill internal voids then your money will never give you peace. If you want your money to give you peace then you need to heal your relationship with your money on a fundamental level. While spending money can provide temporary relief or distraction, it rarely addresses the root causes of internal voids. Long-term solutions typically involve introspection, self-awareness, and seeking support. Remember that addressing internal voids takes time and effort, and it's okay to seek support along the way. I hope you enjoy this episode!

  42. 10

    Episode 10: Empowerment, Self Love and Money with guest Sherisse Bisram

    I am so excited to have Sherisse Bisram, Inner Power Activation Leader, as my guest on this episode. Sherisse and I talk about healing, empowerment and how that relates to our money.   More about Sherisse: Combining her self evolution, education and life experiences, Sherisse has gained tools that have helped her to release the pain of her past, understand and conceptualize her emotions and regain true authentic strength. These tools, which consist of meditation and mindset work, journaling and mindful movement have shaped her into the empowered confident woman she is today. These practices have had a tremendous impact in her life. Sherisse believes by sharing these tools with others with the incorporation of dance, that she will in turn, help them become the best versions of themselves. Purchase your Self love and Empowerment worksheets here: ⁠https://www.amazon.co.uk/Self-Love-Empowerment-Worksheets-Diary/dp/B0C6C2ZJ38/ref=sr_1_1?crid=1FC7RPUDS1W07&keywords=sherisse+bisram&qid=1687598725&sprefix=sheris%2Caps%2C375&sr=8-1⁠  Purchase your Empowerment Journal here: ⁠https://www.etsy.com/shop/selflovebysherisse/?etsrc=sdt⁠  Podcast Permission to Shine:  ⁠https://open.spotify.com/show/6wieY1qeXjz81jzF4cmleH?si=62d7db2265be4942⁠  Follow and subscribe Youtube IG and TikTok Sherisse_bisram

  43. 9

    Episode 09: Traveling Consciously

    After recording this episode I realized when it is released I will be surfing in Nicaragua! Which is in perfect alignment with the topic of the episode which is about how to travel consciously, both mentally and financially. I love when the universe has all the stars align. I was super excited to have my friend and healing sister Jeneil Bamberg as a guest to tell us about her business as a somatic travel coach and how she travels mindfully. We also talked about how to financially prepare for a trip and tips for when you are on the road. If you are a traveler you will not want to miss this one. You can find Jeneil on her Instagram page @jeneilbamberg_travelsomatics

  44. 8

    Episode 08: Credit Cards

    Credit cards are a major factor in financial health and one of the areas people get into the most trouble. Having a access to a credit card is a major responsibility. On this episode I talk about my relationship with credit cards, what a credit card actually is and some suggestions if you are struggling with the responsibility of your own cards. Always reach out if this is something you need support with. Credit card debt can be a heavy burden to carry and having support and accountability can make a big difference.

  45. 7

    Episode 07: HENRY - High Earner, Not Rich Yet

    This episode is for all the HENRY's - High Earners, Not Rich Yet - out there! A HENRY is someone who is making a significant salary and still living paycheck to paycheck and does not have any assets accumulated. If this sounds like it could be your current financial status then check out this episode. HENRY's are one of the main types of clients I work with in my one-on-one coaching program. If this episode resonated with you contact me for additional support.

  46. 6

    Episode 06: Live from FinCon - Automating your finances

    In October I attended conference in New Orleans for people in the personal finance community callee FinCon. It was an amazing experience. While I was there I had the opportunity to record an episode on their podcast stage and here it is. On this episode I talk about how important it is to automate your finances. Automating your finances is one of the best things you can do for yourself and it will make your financial life a hell of a lot easier. Enjoy the episode!

  47. 5

    Episode 05: What does wealth mean to you?

    What does wealth mean to you? What do you think of when you hear the word wealth? We each get to define what wealth means to us. This episode I take a look at wealth from a holistic perspective and challenge you to define what wealth means to you. Wealth is beyond money.

  48. 4

    Episode 04: My Money Story

    On this episode I share my money story with you and where I am today on my money healing journey. I also start the conversation around aligned vs unconscious debt.

  49. 3

    Episode 03: My Healing Journey

    I am getting personal on this episode! I am sharing why I got sober in 2019 and how that started a long and profound personal healing journey. I also share how I integrate my healing practices into my brand and helping others with their relationship with their money.

  50. 2

    Episode 2: Financial health is a form of health

    When you think of your overall health do you include your financial health? Most people will say they do not. Financial health is completely overlooked and so are the effects that is has on our overall health. On this episode I will be discussing the basics of financial health and why it is so important.

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ABOUT THIS SHOW

Welcome! I am Nicole Ayub, a women on Wall Street and founder of Wall Street Girl Next Door. This podcast explores the deeper relationship women have with money. Designed for high-earning women who want more than just financial advice, each episode blends practical wealth strategy with the emotional and behavioral patterns that shape how we earn, spend, and build wealth. Here we talk about: • Breaking the paycheck-to-paycheck cycle• Aligning money with the life you actually want• The psychology behind spending and earning• Stepping into financial power without shame or scarcityBecause wealth isn’t just built with numbers.It’s built with clarity, confidence, and alignment.

HOSTED BY

Wall Street Girl Next Door

Frequently Asked Questions

How many episodes does The Money Diaries have?

The Money Diaries currently has 50 episodes available on PodParley. New episodes are automatically indexed when they're published to the podcast feed.

What is The Money Diaries about?

Welcome! I am Nicole Ayub, a women on Wall Street and founder of Wall Street Girl Next Door. This podcast explores the deeper relationship women have with money. Designed for high-earning women who want more than just financial advice, each episode blends practical wealth strategy with the...

How often does The Money Diaries release new episodes?

The Money Diaries has 50 episodes. Check the episode list to see recent publication dates and frequency.

Where can I listen to The Money Diaries?

You can listen to The Money Diaries on PodParley by clicking any episode. We provide an embedded audio player for direct listening, and you can also subscribe via your preferred podcast app using the RSS feed.

Who hosts The Money Diaries?

The Money Diaries is created and hosted by Wall Street Girl Next Door.
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