Everyone's Talkin' Money

In this episode, Shari sits down with Holly O’Neill, who has a front-row view of the financial behavior of 69 million clients, to unpack what Gen Z is really doing with their money and why it matters for every generation.

From the rising cost of living and the true price of “adulting” to real-time balance checking, early saving habits, and the viral trend of loud budgeting, this conversation breaks down how 18- to 28-year-olds are navigating financial stress in a high-cost, digital-first world.

You’ll hear what the data actually says about Gen Z and budgeting, saving, investing, dating, financial independence, and family support — and why this generation may be more proactive and financially aware than they get credit for.

Holly also shares practical strategies that work at any age, including how to use the 50/30/20 budget, build an emergency fund, automate your savings, and control impulse spending without feeling deprived.

If you’ve ever wondered whether Gen Z is behind or ahead financially, how their money mindset is reshaping relationships and long-term goals, and what their habits can teach you about reducing financial stress and building a life you can actually afford, this episode is your roadmap.

If you’re ready for personalized, judgment-free financial guidance, learn more about working with Shari. Shari Rash is the founder of GWA Wealth, a virtual advisory firm helping women make confident, values-aligned decisions with their money. Visit GWA Wealth to explore your next step.

Talkin’ Points → where your money gets smarter.

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Be sure to like and follow the show on your favorite podcast app!Keep the conversation going on Instagram @everyonestalkinmoney
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You’re not stuck because you don’t know what to do with your money.

You’re stuck because of who you believe you are with money.

In this solo episode, we’re breaking down the real reason financial habits don’t stick: identity. Because you can download every budgeting app, read every investing book, and still self-sabotage if your internal story says, “I’m bad with money,” “I’m behind,” or “I just need to earn more.”

We’re walking through the identity → beliefs → behaviors → outcomes cycle, the most common money identities women carry, and the inherited money stories that have been shaping your decisions for years — often without you realizing it.

And then we get practical. You’ll learn how to shift your financial identity in small, repeatable ways so your habits finally feel natural instead of forced.

Because real change doesn’t start with a new strategy.
It starts with becoming a different version of yourself with money.

You’ll hear:
How your identity quietly determines your net worth
Why traditional financial advice fails so many smart, capable women
The most common money identities — and how they show up in everyday life
How family, culture, and comparison shaped your money story
A simple process to start rewriting your financial identity this week

If you’re ready to stop white-knuckling your finances and start operating like the woman who feels calm, clear, and in control with money — this episode is for you.

If you’re ready for personalized, judgment-free financial guidance, learn more about working with Shari. Shari Rash is the founder of GWA Wealth and the Host of Everyone’s Talkin’ Money. GWA Wealth is a virtual advisory firm helping women make confident, values-aligned decisions with their money. Visit GWA Wealth to explore your next step.

Talkin’ Points → where your money gets smarter.

Real talk, practical tips, zero guilt straight to your inbox. Sign up here. 

Be sure to like and follow the show on your favorite podcast app!

Keep the conversation going on Instagram @everyonestalkinmoney
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Emotional spending isn’t a discipline problem — it’s a disconnection signal.

In this episode, we’re rewriting the narrative around impulse purchases, Target runs, late-night checkouts, and “I deserve this” moments. Because you’re not bad with money — you’re trying to soothe stress, reward exhaustion, feel connected, or become a future version of yourself.

And a budget alone can’t fix that.

We break down the six most common emotional spending patterns, why self-control gets depleted when you’re burned out or lonely, and a simple pause practice that helps you identify what you actually need before you buy.

This isn’t about never spending again. Joy is allowed. It’s about making sure your money is supporting your life instead of numbing it.

Your homework this week: notice the urge, name the feeling, and get curious — no shame required.

If you’re ready for personalized, judgment-free financial guidance, learn more about working with Shari. Shari Rash is the founder of GWA Wealth and the Host of Everyone’s Talkin’ Money. GWA Wealth is a virtual advisory firm helping women make confident, values-aligned decisions with their money. Visit GWA Wealth to explore your next step.

Talkin’ Points → where your money gets smarter.

Real talk, practical tips, zero guilt straight to your inbox. Sign up here. 

Be sure to like and follow the show on your favorite podcast app!

Keep the conversation going on Instagram @everyonestalkinmoney
Learn more about your ad choices. Visit megaphone.fm/adchoices

February is when the internet floods your feed with couples budgets, joint accounts, and “how to stop fighting about spending” content. And that’s fine — if you’re building a financial life with a partner.

But what if you’re not?

Because single women are out here making six-figure decisions every single day without a built-in sounding board.

You’re qualifying for mortgages solo. Funding your own retirement. Negotiating salaries, healthcare, rent, and contracts on your own. You’re the CEO, CFO, and entire board of directors of your financial life — and the financial stakes are higher because there’s no second income quietly absorbing the risk.

And yet no one teaches you how to have the money conversations that actually shape your life.

In this episode, we’re talking about the real financial relationships single women navigate — with friends, parents, employers, clients, roommates, co-parents, landlords, contractors, and even financial professionals — and how to communicate clearly, set boundaries, ask better questions, and advocate for yourself without apologizing, over-explaining, or shrinking your needs.

Because money communication isn’t a relationship skill. It’s a life skill. And for single women, it’s a wealth-building skill.

You’ll learn:

How avoiding money conversations quietly costs you more when you’re the only income and safety net

Why financial self-advocacy is really about autonomy and identity — not just dollars

The six essential money conversations every single woman needs to have

The exact language to use in high-stress situations (with friends, parents, employers, and more)

How to ask for numbers instead of accepting vague “we’ll figure it out” energy

The real financial advantage of building a life designed entirely around your own values

This is your reminder that your financial life is not on pause while you wait for a partner. It’s happening right now. And the clearer, more confident you are in these conversations, the more intentional, protected, and powerful your life becomes.

If you’re ready for personalized, judgment-free financial guidance, learn more about working with Shari. Shari Rash is the founder of GWA Wealth and the Host of Everyone’s Talkin’ Money. GWA Wealth is a virtual advisory firm helping women make confident, values-aligned decisions with their money. Visit GWA Wealth to explore your next step.

Talkin’ Points → where your money gets smarter.

Real talk, practical tips, zero guilt straight to your inbox. Sign up here. 

Be sure to like and follow the show on your favorite podcast app!

Keep the conversation going on Instagram @everyonestalkinmoney
Learn more about your ad choices. Visit megaphone.fm/adchoices

Join Me Live: February 27 at Noon Eastern

If money conversations feel complicated, heavy, or just plain confusing right now, this is for you.

On Friday, February 27 at 12 PM Eastern, I’m hosting a live Q&A exclusively for Talkin’ Points newsletter subscribers. This is your chance to ask me anything — budgeting when money feels tight, navigating different money values in relationships, figuring out your next financial move, or untangling habits that aren’t actually about money.

No fluff. No generic advice. Real questions. Real answers. Live.

Whether you’re out of debt and wondering “now what?” or you’re in the messy middle trying to build momentum, this hour is about giving you clarity and direction you can actually use.

The link to join is sent through my weekly Talkin’ Points newsletter, so make sure you’re subscribed to get access.

Talkin’ Points → Sign up here.

Come ready with your questions. I’ll come ready with honest answers.

See you there.
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