Transform your family's finances with the Beyond Budgets® podcast. Host Deb Meyer, CFP®, award-winning author of Redefining Family Wealth and mom of 3, empowers parents to save diligently, invest wisely, and contribute generously.
We delve beyond budgeting tools into values-based financial planning, marriage and money, college saving plans, investment strategies, tax-saving secrets, insurance essentials, and more. Tune in biweekly on Thursdays for solo episodes and enlightening expert interviews. Your journey to financial success starts here.
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How Dual Enrollment Saved This Family $60K in College Costs (00:30:51)
"My daughters went to prom, played sports, were in student council, and still finished college before high school ended." – Shelley Branine Wondering how your family can save tens of thousands of dollars? Then you don't want to miss this special episode with Shelley Branine, mom of two and author of the upcoming book Finish College in High School. Shelley shares her family's incredible journey using dual enrollment to help both her daughters graduate college debt-free. Listen in if you have a middle school or high school student and are feeling overwhelmed by rising college tuition rates. Shelley offers hard-won wisdom, sharing alternatives to the traditional 4-year college path. Episode Highlights (03:46) Why her "average" kids thrived (and why yours might, too) (06:10) What dual enrollment is, and how it differs from AP and IB programs (12:10) Common myths about scholarships and why they're so competitive (16:05) How to explore dual enrollment options in your state, even for private school students or those with learning differences (20:23) The real risks of student loans and why Shelley's family avoided them Connect with Guest Shelley Branine Website | Instagram | Shelley's Book, Finish College in High School Connect with Host Deb Meyer, CFP® Founder of WorthyNest®, helping faith-driven parents build financial plans that reflect their values. Download your FREE guide | Follow us on YouTube | Take the Financial Wellness Quiz
Small Habits, Big Wins: How Parents Can Set Goals That Actually Stick (00:22:16)
"Small, incremental steps will always get you further than a giant leap, especially when they're rooted in your values." – Deb Meyer As we turn the page into a new year, goal setting becomes more than just a buzzword. It's a tool for transformation. In Episode 54, host Deb Meyer dives deep into how parents can set intentional goals that actually stick. Learn why small, sustainable habits beat massive overhauls, how to identify and overcome limiting beliefs, and how to create SMART goals that align with your family's core values. Whether you're aiming to save more, invest wisely, or improve your health, this episode provides a simple roadmap to start strong in 2026. Get practical steps, faith-filled encouragement, and real-life strategies to help you lead your family with clarity and purpose in the year ahead. Episode Highlights [0:00:37] Deb's personal journey: Weight gain, body image, and making a change [0:07:30] Applying those same goal-setting principles to saving money [0:11:00] Should you work with a financial planner or coach? [0:15:30] A unique goal-setting exercise: writing your future self a letter [0:20:00]How to handle setbacks, redefine your "why," and pivot your plan Resources Books: Finish by Jon Acuff and Your Best Year Ever by Michael Hyatt Nourish App: https://www.usenourish.com – Dietitian support app XY Planning Network for fee-only, fiduciary CFP® professionals NAPFA (National Association of Personal Financial Advisors): https://www.napfa.org Compass Catholic Financial Coaching: https://compasscatholic.org Want Personal Help? If you're looking for a faith-aligned, fiduciary financial planner for your family, Deb has availability in the new year. Click here to book a free, initial consultation. Connect with Host Deb Meyer, CFP® Founder of WorthyNest®, helping faith-driven parents build financial plans that reflect their values. Download your FREE guide | Follow us on YouTube | Take the Financial Wellness Quiz
How to Make Money Fun Again: Joe Saul-Sehy on Emergency Funds, Insurance & Family Adventures (00:35:15)
What happens when personal finance meets fun, adventure, and real-world wisdom? Deb Meyer sits down with Joe Saul-Sehy, the dynamic co-host of Stacking Benjamins and author of Stacked, to talk about money in a way only Joe can: light, insightful, and incredibly human. We explore how humor can disarm money fears, why emergency funds are really self-insurance, and how to approach disability and life insurance like a true risk manager. Joe also dives into how automation trumps discipline when building lasting financial habits. Plus, Joe shares insider tips from his passion project podcast, Stacking Adventures, highlighting how families can travel smart and turn everyday moments into unforgettable experiences. Episode Highlights: [2:10] Why humor is a powerful tool to make money approachable [6:00] How an emergency fund functions as "self-insurance" [6:30] The real ROI of cash reserves [15:00] What "own occupation" disability coverage really means and why most people miss it [22:07] How to evaluate life insurance options (term vs. permanent) without falling for industry bias Connect with Joe Saul-Sehy Stacking Benjamins Podcast Stacking Adventures Podcast, travel tips for adventurous families Joe's book Stacked: Your Super-Serious Guide to Modern Money Management Connect with Host Deb Meyer, CFP® Founder of WorthyNest®, helping faith-driven parents build financial plans that reflect their values. Download your FREE guide | Follow us on YouTube | Take the Financial Wellness Quiz
Gifts of Grace: Reclaiming Simplicity During the Holidays (00:21:12)
The holidays are here, and with them come emotions ranging from joy to overwhelm. In this heart-centered episode, host Deb Meyer shares a timely message to help parents slow down, align spending with values, and create lasting peace during the Christmas season. She opens with a beautiful rendition of the Shaker hymn "'Tis the Gift to Be Simple" and explores how the simplicity it speaks of can serve as a financial and spiritual guidepost through the noise of Black Friday, gift-giving pressure, and packed family schedules. In this episode, you'll learn: (10:36) A values-based framework for choosing gifts that foster connection (8:21) The power of automating gift savings and how to start in January (12:52) Ideas for experience-based gifts (15:17)Catholic resources for Advent to nurture faith amid the hustle (18:14) How generosity through time, talent, and treasure can reshape your family's holiday rhythm Deb also highlights Chelsea Williams' insight from episode 51: that 80% of money decisions are perspective, not math—and how that truth becomes even more relevant during emotionally charged seasons. Featured Resources Core Values Exercise: Think2Perform Book: The Family Board Meeting by Jim Sheils Advent Devotional: Shadow and Light by Tsh Oxenreider Catholic Mom Advent Bundle (Available until Nov. 21): CatholicMomBundle.com Claim your FREE Cozy Catholic Christmas Catalog Listener Challenge Take the values exercise and review your holiday gift list. Ask: Does this reflect who we are and the values we want to pass on to our children? Don't forget to share the episode with a friend who's feeling the pressure of the season. Help them find peace through perspective and purpose! Connect with Host Deb Meyer, CFP® Founder of WorthyNest®, helping faith-driven parents build financial plans that reflect their values. Download your FREE guide | Follow us on YouTube | Take the Financial Wellness Quiz
The Parent's Guide to Rewriting Money Scripts (00:30:36)
How do you move from financial survival mode to long-term stability when you're raising kids and navigating constant demands? In this episode of Beyond Budgets, Deb Meyer is joined by financial educator Chelsea Williams to explore how our earliest experiences shape our lifelong relationship with money and what parents can do about it. You'll learn why financial change is 80% mindset and only 20% technical, and how understanding your money story can unlock new possibilities for your family's future. Chelsea shares a practical framework that helps families create healthy financial habits by focusing on beliefs, not just budgets. They also discuss what most people don't realize: a child's core values and beliefs about money are formed mainly between the ages of 0 and 12. For parents of young kids, this is a critical window. The way we talk about spending, saving, and value can either plant seeds of fear or lay the foundation for confident financial decision-making later in life. Episode Highlights (09:05) Why mindset matters more than math when it comes to financial stability (10:16) How to identify and rewrite the limiting beliefs that may be holding you back (11:48) What to say (and not say) to your kids about money, especially around spending (24:04) A realistic way to set spending boundaries that align with your family values (25:05) Why most wealth is built slowly Whether you're managing finances solo or as a couple, and whether your kids are toddlers or teens, this conversation offers a hopeful and grounded approach to building financial peace—one decision at a time. Resources Mentioned MoneyMastery.work – Chelsea Williams' course, upcoming book, and podcast The Opposite of Spoiled by Ron Lieber – A helpful read on raising money-smart kids Connect with Host Deb Meyer, CFP® Founder of WorthyNest®, helping faith-driven parents build financial plans that reflect their values. Download your FREE guide | Follow us on YouTube | Take the Financial Wellness Quiz
Money, Mistakes, and Milestones: 50 Lessons from Deb Meyer (00:24:56)
🎉 It's a celebration! In this milestone 50th episode of the Beyond Budgets® podcast, Deb Meyer takes a seat on the other side of the mic while her husband, Bryan Meyer, steps in as guest host. This heartfelt and insightful episode explores how Beyond Budgets® came to be, what Deb has learned along the way, and what's ahead for the podcast and the families it serves. From her earliest days running WorthyNest® and writing Redefining Family Wealth to launching this podcast, Deb shares her motivation to help parents build wealth aligned with faith, family, and personal values. 💡 You'll hear behind-the-scenes stories about: (2:24) Why the podcast was launched after Deb's mother passed away (6:41) How Deb records episodes without a fancy studio (7:41) How her own parenting and financial mindset evolved through 50 episodes (11:46) The real impact of moving cross-country multiple times (16:32) What Deb learned from expert guests on college planning and allowance strategies Plus, Deb reveals what's next for Beyond Budgets®. Whether you've been here since episode one or just discovered the show, this is a warm, wisdom-filled episode packed with encouragement for every parent navigating money and meaning. 🔑 Key Topics Covered The origins and evolution of the Beyond Budgets® podcast Balancing podcasting with parenting and real-life moves Why your financial mistakes don't define your future How podcast guests have influenced Deb's family decisions Plans for future episodes and how listeners can get involved 📘 Related Episodes to Check Out Ep 5: Understanding College Financial Aid with Joe Messinger Ep 13: Raising Financially Savvy Kids with Clifton Corbin Ep 18: Turning Dreams Into Reality With Values-Based Financial Planning Ep 33: College Funding Secrets Every Parent Needs to Know Ep 44: Wellness as Wealth with Rita Johnson Connect with Host Deb Meyer, CFP® Founder of WorthyNest®, helping faith-driven parents build financial plans that reflect their values. Download your FREE guide | Follow us on YouTube | Take the Financial Wellness Quiz 🔔 Subscribe & Review If Beyond Budgets® has helped your family think differently about money, parenting, or faith, would you leave a ⭐⭐⭐⭐⭐ review? It helps more parents like you discover the show.
Family, Fraud, and Financial Literacy: Life Lessons from Tim Smith (00:40:45)
What if your kids graduated from college knowing how to budget, invest, and avoid getting scammed? In this heartfelt and wide-ranging episode, Deb Meyer sits down with Tim Smith, Certified Financial PlannerTM, founder of Aurora Private Wealth, and co-host of The Financial Dad podcast. They explore the critical (and often missing) elements of financial education for young adults, especially creatives and entrepreneurs navigating money on their own. But the conversation doesn't stop there. Tim opens up about a massive fraud case he witnessed firsthand — involving $15 million stolen under his watch — and how that experience fueled his upcoming book. You'll also hear honest reflections on parenting, overcommitted families, building strong marriages, and redefining what "success" looks like in a pressure-filled world. This episode is a must-listen for parents who want to make smarter financial decisions. Episode Highlights (2:10) How schools are failing young adults in financial literacy (13:17) How to balance ambition with relationships, family, and self-care (21:48) How couples can divide financial responsibilities based on strengths (25:29) The real reasons behind investor fraud (and how to prevent it) (27:50) What "custody" means in financial advising, and why it matters Connect with Host Deb Meyer, CFP® Founder of WorthyNest®, helping faith-driven parents build financial plans that reflect their values. Schedule an Initial Meeting | Follow us on YouTube | Take the Financial Wellness Quiz
New Tax Breaks for Parents: What the One Big Beautiful Act Means for Your Family (00:18:34)
Are rising prices stressing your family budget? You're not alone, and there's some good news on the tax front. In this solo episode, host Deb Meyer breaks down the most family-friendly tax updates from the One Big Beautiful Bill Act (HR1) and how they could impact your wallet starting in 2025. This episode is a must-listen for parents looking to maximize tax savings, understand new credits, and unlock new opportunities for education savings, childcare, and even family car purchases. Deb spotlights five major tax updates that could create real opportunities for families: (8:55) A bigger child tax credit for families with kids under 18 (10:57) Higher pre-tax limits for childcare costs through dependent care FSAs (11:49) New 529 plan rules that give families more flexibility for K–12 and special needs expenses (13:52) A brand-new tax-free savings account for children, including a government-funded jumpstart (15:09) More refundable adoption credits for families expanding through adoption Plus, she shares key distinctions between credits and deductions (and why that matters), and what income thresholds to watch to make sure your family qualifies. Love the show? Please subscribe, share, or leave a review. It helps other parents find Beyond Budgets® and equips more families to plan wisely for their financial future. Connect with Host Deb Meyer, CFP® Founder of WorthyNest®, helping faith-driven parents build financial plans that reflect their values. Schedule an initial meeting | Follow us on YouTube | Get your FREE family finance guide Resources How the Big Beautiful Bill Impacts Education Savings Tax Provisions in the One Big Beautiful Bill Act One Big Beautiful Bill Overview
Big Hat, No Cattle: Rethinking Wealth with Carl Richards (00:31:02)
What if the best money conversations aren't really about money? In this episode of Beyond Budgets, Deb Meyer sits down with Carl Richards, author of Your Money: Reimagining Wealth in Simple Sketches, to explore how we can think more clearly and speak more kindly about money in our relationships. Carl shares why our views of money often clash with those closest to us, how comparison gets in the way of contentment, and what it means to align our values with financial decisions. This is a must-listen for anyone who wants to bring more clarity and calm into their financial life, especially parents trying to model healthy money habits for the next generation. In This Episode You'll learn: (2:32) Why spouses often see money differently, and how to navigate that with less tension (7:42) What "big hat, no cattle" means and how to stop comparing your life to others (14:03) Why values can conflict without being wrong, and how to live in that tension (17:28) The difference between investment returns vs. investor returns (a.k.a. "The Behavior Gap") (25:41) How to spend in a way that brings more joy and connection, not just more stuff About Carl Richard's Book Carl's new book, Your Money: Reimagining Wealth in Simple Sketches, comes out October 21 and is designed to be a "conversation grenade". It will help spark more meaningful dialogue with your spouse, kids, or friends around money. Want a free excerpt? 📧 Email hello@behaviorgap.com with "Friend of Carl" in the subject line to receive a preview. A Few Favorite Quotes "Your values aren't at war, they're in conversation." — Carl Richards "You don't have to resolve every money tension in your marriage. Sometimes the difference is the strength." — Deb Meyer Connect with Host Deb Meyer, CFP® Founder of WorthyNest®, helping intentional parents build financial plans that reflect their values. Schedule an initial meeting | Follow us on YouTube | Get your FREE family finance guide
Why Big Leaps Can Backfire (and What to Do Instead) (00:24:33)
What do whitewater rafting, cross-country moves, and early retirement all have in common? They're thrilling, intimidating, and full of unknowns. In this episode, Deb Meyer shares a personal (and slightly embarrassing) rafting story to open up a deeper conversation about navigating life's biggest transitions—without losing your footing. Whether you're planning a retirement, taking a sabbatical, switching careers, or moving states, Deb encourages a slower, smarter approach. She walks through emotional and financial readiness, real-life family examples, and why rushing into change often backfires. As Deb says, "Small steps can be so much better than big leaps. And having the right guide can make all the difference." Listen now and learn how to embrace change without financial regret. In This Episode (02:39) Why emotional planning is just as important as financial planning (06:04) How to phase into retirement without going all-in too fast (07:02) Lessons from relocating across states & what Deb would do differently (12:47) How to rethink your budget when your lifestyle changes (14:51) What to know about health insurance, especially before Medicare eligibility (20:19) Options for sabbaticals and career pauses, and how to plan for them (21:09) When to seek professional guidance before making major transitions Resources & Mentions Schedule a complimentary intro call with Deb Healthcare Sharing Plans article and podcast episode XY Planning Network Garrett Planning Network Help Us Grow If this episode resonated with you, please leave a review on Apple or Spotify. Already left one? A new review helps boost visibility. Know someone facing a life or financial transition? Please forward this episode to them.
Is It Moral to Be Wealthy? (00:36:54)
Is financial prosperity a blessing or a spiritual trap? In this thought-provoking episode, Deb Meyer sits down with Deacon Christopher Warner to explore the moral and spiritual dimensions of wealth, giving, work, and responsibility. Whether you're Catholic, Christian, or simply curious about aligning money with your faith, this conversation offers deep insights into the tension between financial abundance and spiritual purpose. Discover how principles like subsidiarity, stewardship, and virtue can shape your family's financial life. Also, learn why budgeting and charitable giving are more than just numbers on a spreadsheet. Episode Highlights: (0:04) The moral tension between wealth, idolatry, and faithfulness (02:10) How the principle of subsidiarity empowers parents to lead family finances (07:37) Why charity begins at home and how giving is a matter of justice, not just generosity (11:38) A breakdown of four financial personalities: Givers, Hoarders, Consumers, and Spenders (12:26) The dangers of self-inflicted financial suffering and how to avoid it (22:28) Viewing work as a path to virtue (whether you're an entrepreneur, manager, or laborer) (24:20) Creative ways to teach financial responsibility through chores and entrepreneurship Resources & Mentions: Christopher Warner's Substack: wayofthefamily.com Book: Catholic Money by Christopher Warner Episode 37: Faith, Family & Finances with Compass Catholic Ministries Connect with Host Deb Meyer Subscribe to our YouTube Channel Download your Free Resource Website
Wellness as Wealth: Functional Medicine, Family Nutrition & Travel with Rita Johnson (00:47:04)
In this empowering episode, Deb Meyer talks with holistic health advocate Rita Johnson about how physical wellness impacts financial strength. They dive into functional medicine, family nutrition on a budget, simple food swaps, and how Rita's family of eight travels internationally without breaking the bank. Episode Highlights (04:38) Functional medicine basics – How to bridge the gap between feeling "off" and needing a diagnosis. (06:45) Nutrition hacks – Prioritize protein, reduce hidden sugars, and try DIY staples. (12:10) Feeding picky eaters – Mix of tough love, one-meal rules, and smart "food hiding" tactics. (18:50) Healthy eating on a budget – Frozen veggies, bulk protein sources, and home-cooked meals. (26:41) Exercise strategies – Home workouts, accountability, and when a personal trainer is worth it. (30:27) Affordable family travel – Budget airlines, Airbnb, and traveling while remote working. (46:37)Opportunity fund mindset – Save for joyful experiences, not just emergencies. Related Episodes Episode 32 – Bucket Lists, Balance & Building Wellness Discover how aligning physical, emotional, and financial wellness leads to stronger earnings and better life outcomes. Episode 10 – Crafting a Saving Strategy for Bold Family Adventures Learn how to build an "opportunity fund" for travel, starting a business, or renovating your home. Connect with Rita Johnson Divine Mercy Nutritional Care on Instagram, Facebook & YouTube Health & Hormones Podcast EWG Clean Fifteen and Dirty Dozen List Connect with Host Deb Meyer Subscribe to our YouTube Channel Download your Free Resource Website
Rethinking Success and Exit Strategy with Justin Goodbread (00:42:55)
What does it look like to steward your business and family with intentionality, especially when it's time to plan an exit? Entrepreneur and author Justin Goodbread joins host Deb Meyer to talk candidly about sacrifice, scaling, and what too many business owners get wrong when it's time to let go. Whether you're years away from selling or just starting to think about legacy, this conversation blends practical wisdom and deep faith in a way that resonates with purpose-driven parents and entrepreneurs alike. Exit planning isn't just about spreadsheets; it's about soul work. Whether your business is ready or not, ask: Am I emotionally and spiritually ready to step into what's next? Episode Highlights (00:03) - Navigating Work-Life Balance as a Family (12:41) - Entrepreneurial Lessons That Propel Success (18:01) - Maximizing Business Value Through Exit Planning (25:41) - Unlocking Success Through Coaching and Surrender (33:41) - Strategic Business Exit Planning Insights Related Episodes Ep. 16 – Maximizing Your Business Exit (Retirement planning for small biz owners) Ep. 27 – Breaking Free from Work-Centered Identity (with Jerome Myers) Connect with Guest Justin Goodbread JustinGoodbread.com | The Ultimate Sale, Your Baby's Ugly Justin's Podcast: DecaMillionaire Decoded Connect with Host Deb Meyer Subscribe to our YouTube Channel Download your Free Resource Website
Real Talk About Marriage, Money, & Misunderstandings (00:25:26)
Marriage is both a gift and a challenge. Whether your relationship is in a season of ease or strain, this episode offers practical encouragement rooted in timeless values. Host Deb Meyer also shares a personal example of how forgiveness, not perfection, builds a lasting partnership. Episode Highlights: Why seeing marriage as a covenant, not a contract, can anchor you in tough times How social media and quiet comparison can erode your sense of connection Real ways to refocus on your spouse's strengths, especially in seasons of frustration The role of money personalities in marriage and how to work through differences One small step you can take today to reconnect and show love Resources Mentioned: Free Marriage & Money Guide: four conversation starters to grow closer Sincerely, Stoneheart by Emily Wilson Hussem The Deal by Chuck Neff, a faith-forward story of marital renewal More to Explore: Episode 11: Building a Legacy of Fiscal Responsibility with Amanda Teixeira Episode 15: Mastering Marital Finances with Den Murley Episode 25: How to Build a Fulfilling Career and Financial Future with Crystal Ware New Format Update: Starting this summer, episodes will shift to once a month with a combined interview and personal reflection format. Expect deeper conversations, fewer interruptions, and even more intentional guidance.
How to Plan Senior Care Without Breaking the Bank (00:34:34)
As parents age, many of us find ourselves stepping into a new role: caregiver, advocate, and decision-maker. In this heartfelt and highly practical episode, Deb Meyer is joined by Erin Dwyer-Busch, elder care consultant and owner of the St. Louis location of Senior Care Authority. Erin shares her personal journey from pediatric speech therapist to trusted advisor for families navigating the complex world of senior care. Whether you're concerned about a parent's driving, exploring assisted living options, or unsure how to start the conversation about long-term care, Erin brings expert insights. This is a must-listen for parents who want to care for their own children while supporting aging loved ones, without compromising financial stability or emotional well-being. What You'll Learn: The signs it's time to move from aging in place to professional care How early planning leads to better choices, lower costs, and less stress during a crisis What most families get wrong about long-term care insurance and how to make smarter policy decisions The real costs of senior care today, including assisted living, memory care, and nursing homes How to navigate tough conversations like taking away the car keys "It's not about age, it's about skill and self-awareness. The sooner we plan, the more options we have." – Erin Dwyer-Busch Episode Highlights (00:00) - Elder Care Transitions and Health Diagnoses (05:28) - Navigating Elder Care Options and Driving (14:15) - Long-Term Care Options and Planning (25:23) - Senior Care Options and Financial Planning Connect with Erin & Her Team: 🔗 Senior Care Authority – St. Louis 📞 314-451-2255 Connect with Deb Meyer Subscribe to our YouTube Channel Download your Free Resource Website
Big Tax Refund? Surprise Bill? Here's What to Know (00:24:09)
You filed your taxes. And now you're either breathing a sigh of relief… or wondering why you owe more than expected. CPA, Certified Financial Planner™ and host Deb Meyer shares top lessons from the 2024 tax season, especially for busy parents and small business owners. If you got a refund, you'll learn how to make the most of it. Deb explains why it might not be your tax preparer's fault and how to plan better next year if you owe. Plus: a simple framework to help you decide what to do with any financial windfall — from tax refunds to bonuses or even unexpected gifts. What You'll Learn: Why filing an extension doesn't give you extra time to pay What a big refund really means (and why it may not be a good thing) Common mistakes with estimated taxes for small business owners and freelancers How to decide between spending, saving, or giving Pro strategies for maximizing your refund — or minimizing future surprises Episode Highlights (04:22) Tax Refunds (12:01) Debt Payoff Methods (15:36) Maximizing Tax Deductions Through Charitable Contributions (20:59) Savings and Investing Strategies for Funds Tools, Tips & Resources IRS Form W-4 2025 Roth IRA Contribution Limits High-Yield Savings Options: Ally or Capital One Schedule an Initial Call Connect with Deb Meyer Subscribe to our YouTube Channel Download your Free Resource Website
How to Raise Money-Smart Kids with Chris Baden (00:39:18)
Are you working hard to build a better life but worried you're sacrificing what matters most? In this episode, Chris Baden shares how he reshaped success around faith, family, and intentional entrepreneurship. As a husband, homeschool dad of three, and CEO of FlowChat, Chris brings wisdom from both the boardroom and the breakfast table. Here's what you will learn: ✅ How to raise financially confident kids without pressure or perfection ✅ The power of a family mission statement ✅ The "roots and wings" framework for raising grounded, independent kids ✅ How to shift from burnout to alignment by redefining your priorities ✅ Why cultivating skills is more important than forcing chores Whether you're parenting young kids or teens, running a business, or just trying to keep your head above water, this episode offers practical encouragement and meaningful mindset shifts. 🎧 Listen now and discover how to build a family legacy that lasts. (00:20) Prioritizing Focus and Balance (04:04) Building Wealth Across Generations (09:16) Building a Lifelong Marriage and Business (14:03) Teaching Problem-Solving and Leadership to Kids (19:49) Youth Media Company Financial Education (29:27) Lessons Learned From Business Failures (33:17) Entrepreneurship Challenges and Resilience 🔗 Connect with Chris Baden: Website: FlowChat.com | Instagram: @chrisbaden Connect with Deb Meyer Subscribe to our YouTube Channel Download your Free Resource Website
Healthcare Sharing vs. Insurance: Which Saves You More? (00:25:19)
In this episode of Beyond Budgets®, Deb shares a personal story that hits home—navigating the unexpected cost of her son's surgery, even with insurance. That real-life experience opens the door to a bigger conversation: what are your options when traditional health insurance doesn't fit? Whether you're between jobs, self-employed, or considering early retirement, Deb breaks down: What healthcare sharing plans really are—and what they're not The trade-offs of COBRA vs. marketplace insurance Why premiums have jumped 47% over the last decade What to know about pre-existing conditions, preventive care, and reimbursement delays Her own experience using MediShare during a family sabbatical Plus, Deb dives into smart open enrollment decisions for those with traditional employer plans—HSA vs. FSA, high-deductible plans, and avoiding costly dental surprises (hello, braces). This is a must-listen if you're: Self-employed and unsure about your healthcare options In between jobs and overwhelmed by COBRA costs Comparing insurance during open enrollment Episode Highlights (04:56) Understanding Healthcare Cost-Sharing Plans (13:39) Healthcare Sharing Plans vs. Traditional Insurance (19:48) Benefits of High Deductible Health Plans (22:25) Financial Planning for Orthodontic Costs Resources Deb's blog post on Healthcare Sharing Plans Healthcare Sharing Plan Providers: Medi-Share, Liberty HealthShare, Christian Healthcare Ministries, Samaritan Ministries, Solidarity HealthShare Connect with Deb Meyer Subscribe to our YouTube Channel Download your Free Resource Website
Faith, Family, & Finances - A Better Way to Manage Money (00:27:04)
Money is more than just paying bills and saving for the future—it's a tool for living out your values and making a lasting impact. As part of the weeklong event Podcasthon, we're highlighting Compass Catholic Ministries, a nonprofit dedicated to helping families approach money with wisdom, generosity, and faith. Join us as Camila Gonzalez shares practical ways to align your finances with your values, get out of debt, and build a strong financial foundation—without feeling overwhelmed. 🔹 What We Cover: ✔️ Why financial stewardship matters—and how to practice it daily ✔️ Simple ways to eliminate debt and create a sustainable spending plan ✔️ How generosity and intentional giving lead to greater financial peace ✔️ Free and low-cost resources for families looking to improve their finances ✔️ How WorthyNest supports faith-driven parents on their financial journey 🎧 Take the Next Step: Explore faith-based financial courses, coaching, and free resources at CompassCatholic.org. To learn more about values-based financial planning for parents, visit WorthyNest.com. 📢 If this episode resonates with you, share it with a fellow parent looking to grow in financial stewardship! Episode Highlights (01:59) Learn More About Compass Catholic (08:56) The Power of Giving Back (15:30) Resources Offered by Compass Catholic Ministries (23:14) Significant Growth Potential in Ministry Connect with Compass Catholic Take a 6-Week Course Donate to this Important Mission YouTube Channel Connect with Deb Meyer Subscribe to our YouTube Channel Download your Free Resource Website
Why Uncertainty Doesn't Have to Derail Your Financial Plan (00:27:32)
Uncertainty is a constant, but how we react to it makes all the difference. In this episode of Beyond Budgets, we dive into today's shifting economic and political landscape—including tariffs, job losses, and market trends—and what they could mean for your finances. More importantly, we'll explore timeless financial principles that can help you stay steady, no matter what's happening in the world. Deb Meyer breaks down how to make smart financial decisions in unpredictable times, how emotions impact investing, and why diversification is key. Whether you're navigating career change or market swings, this episode will give you the perspective you need to move forward with confidence. What You'll Learn: ✅ Why we naturally avoid risk—and how to reframe uncertainty as opportunity ✅ The potential impact of new economic policies on jobs, inflation, and markets ✅ How to build a resilient investment strategy that withstands market shifts ✅ The role of diversification and why it's like building the perfect Easter basket ✅ Practical ways to focus on what's within your control in uncertain times Episode Highlights (02:44) Let's Talk Tariffs (12:44) Navigating Job Loss With Optimism (17:05) Importance of Investment Policy Statements (25:06) Navigating Financial Considerations During Retirement Resources & Links: 📚 Clashing Over Commerce by Douglas Irwin 📖 You're Probably Expecting This (Article by Jen Ternay) 🎧 Related Episode: Building Wealth Through Strategic Investments (Ep. 24) Enjoying the Show? If you found this episode valuable, please take a moment to rate and review Beyond Budgets. Your support helps more people find the show and make better financial decisions. Connect with Deb Meyer Schedule an Initial Call Download your Free Resource Website
Investing Smart: How to Avoid Hidden Fees & Find the Right Advisor (00:30:03)
Did you know that half of investment advisor clients think they're getting comprehensive advice, but only 11% actually are? In this episode, Deb Meyer sits down with Stephen Tanenbaum, founder of Rainbook, a platform dedicated to bringing transparency to financial advising. Stephen shares how Rainbook helps parents evaluate their advisors, uncover hidden fees, and make sure they're getting real value from their financial relationships. They also discuss: ✅ The difference between fiduciary advisors and commission-based brokers ✅ Common hidden fees in financial advising (and how to spot them) ✅ Why transparency matters in both finances and relationships ✅ Practical financial tips for families balancing work, kids, and budgeting ✅ The role of financial advisors beyond just managing investments Whether you're working with an advisor now or considering hiring one, this episode will help you ask the right questions and make smarter financial decisions. Episode Highlights (05:40) Fiduciary Advisor on 529 Plans (10:05) Understanding Financial Advisor Fees (16:47) Financial Advisor Fees and Services (25:13) Personal Finance and Budget Planning Resources Mentioned in This Episode: 📌 Rainbook's Advisor Analyzer Tool – A free tool to evaluate your financial advisor's fees and credentials. 📌 FINRA BrokerCheck – A resource to research financial advisors and brokers. 📌 National Association of Personal Financial Advisors – A network of fee-only fiduciary advisors. Connect with Stephen Tanenbaum Learn more about Rainbook: rainbook.comConnect with Stephen on LinkedIn: https://www.linkedin.com/in/stephen-tanenbaum-9596706/ Connect with Deb Meyer Schedule an Initial Call Download your Free Resource Website
10 Key Questions to Ask When Hiring a Financial Advisor (00:28:49)
Choosing a financial advisor is a big decision that can shape your family's financial future. In this episode of Beyond Budgets, Deb Meyer breaks down how to evaluate advisors and find the right fit for your unique goals and values. Whether you're new to financial planning or transitioning to another advisor, this episode equips you with the knowledge and confidence to make an informed choice. 🔑 What you'll learn in this episode: 10 essential questions to ask during your search for a financial advisor. The difference between fee-only, fee-based, and commission-based advisors—and what it means for you. How can the fiduciary standard impact the advice you receive? Key distinctions between financial coaches and advisors—and how to decide which you need. The importance of aligning an advisor's approach with your family's values. 🎯 Key takeaways: Trust and transparency are critical—learn how to assess an advisor's qualifications, ethics, and experience. Understanding compensation structures can help you avoid conflicts of interest. Your relationship with an advisor is personal—find someone who fits your communication style, preferences, and values. Listen in to learn more: (01:06) Things to Know When Hiring a Financial Advisor (05:59) Advisors' Conflict of Interest Risk (11:00) Ideal Client Niche Focus Discussion (18:39) Faith-Based Investing and Self-Improvement (24:57) Establishing Long-Term Advisor Compatibility Resources Find a CFP® Professional: https://www.letsmakeaplan.org/ NAPFA (fiduciary, fee-only advisors): https://www.napfa.org/ XY Planning Network: https://advice.xyplanningnetwork.com/ Sara Grillo's directory: https://saragrillo.com/2022/03/14/flat-fee-financial-advisors/ Related article "10 Questions to Ask When Hiring a Financial Advisor": https://www.worthynest.com/all-posts/questions-when-hiring-a-financial-advisor Connect with Deb Meyer Schedule an Initial Call Download your Free Resource Website
College Funding Secrets Every Parent Needs to Know (00:34:42)
Planning for college can feel overwhelming, but it doesn't have to be. In this episode of Beyond Budgets, host Deb Meyer sits down with Ann Garcia, CFP®, also known as "The College Financial Lady." Ann is the author of How to Pay for College and a mom of twins who recently graduated debt-free. She combines her professional expertise with personal experience to share strategies that will help you save money and reduce stress during the college planning process. Whether your child is years away from applying or you're in the thick of FAFSA forms and scholarship deadlines, this episode will leave you feeling more confident and equipped to navigate the journey. Why You Should Listen Decode the "real cost" of college: Find out why the sticker price rarely tells the whole story. Uncover scholarships that match your student: Learn how to focus on opportunities that fit their profile. Master financial aid tools: Get a crash course on FAFSA, the CSS Profile, and net price calculators. Appeal like a pro: Discover how to successfully request more financial aid and reduce tuition costs. Learn from real-life examples: Hear Ann's lessons from planning for her own twins—and how those lessons can help your family. If you're ready to feel more in control of funding your child's college education, this episode is a must-listen. Key Moments to Tune In For [06:20] The truth about tuition: Why most families pay far less than the listed price. [10:23] SAT/ACT scores: Do they still matter for scholarships? [24:55] How to appeal a financial aid package—and why 75% of appeals succeed. Resources Federal Student Aid Estimator Free Application for Federal Student Aid (FAFSA) Return on Investment Calculator Connect with Ann Garcia College Financial Plan Masterclass Book How to Pay for College Website and Blog howtopayforcollege.com Connect with Deb Meyer Schedule an Initial Call Download your Free Resource Website
Bucket Lists, Balance, and Building Wellness (00:22:11)
What's on your bucket list? Whether exploring far-off destinations, creating stronger family bonds, or getting your finances in shape, this episode is your guide to dreaming big and making it happen. Host Deb Meyer shares how a simple New Year's Eve conversation about bucket lists sparked fresh ideas for setting goals that truly matter. In this episode, you'll discover: The surprising link between financial health and overall well-being. How can stress in one area ripple into another, and what should be done about it? A three-step framework for financial wellness: shift your mindset, adjust the plan, and center yourself with prayer. Ready to make 2025 your best year yet? Tune in for stories, strategies, and a fresh perspective on achieving balance and purpose. Listen in to learn more : (00:55) Let's Talk Bucket List (05:01) Struggling With Work-Life Balance (17:03) Adapting Your Financial Plan Resources Credit Score https://www.nerdwallet.com/article/finance/what-is-a-good-credit-score Jon Acuff's NYT bestselling book Soundtracks https://jonacuff.com/soundtracks/ Fr. Timothy Gallagher's book https://www.frtimothygallagher.org/product-page/discerning-the-will-of-god-an-ignatian-guide-to-christian-decision-making Spiritual direction with Meritt Petrone https://www.rootsandwingsministries.org/ Connect with Deb Meyer Schedule an Initial Call Download your Free Resource Website
Embracing Leadership as a Moral Imperative (00:30:04)
Did you know parents are the best leaders? In this episode, Dr. Jim Salvucci shares his transformative journey from an English professor to a corporate leader, emphasizing the universal essence of leadership rooted in integrity and soft skills. Jim reflects on how early leadership roles in Boy Scouts and his father's servant leadership model shaped his values-driven approach. Whether you're a parent looking to embrace personal growth, self-awareness, or the moral philosophy of leadership, this episode is for you! Also, don't forget to follow Jim's blog and podcast, On Leading with Greatness, on Substack. Listen in to learn more: (01:07) Parenting and Leadership (10:05) Lessons in Leadership and Integrity (17:06) Benefits of Liberal Arts Education (24:37) Leaders Are Teachers in Disguise (27:51) Compassionate Leadership in Parenting Connect with Deb Meyer Schedule an Initial Call Download your Free Resource Website
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