Everyone's Talkin' Money

July is the perfect time to ask one important question: is your money actually doing what you want it to do?

This is not about starting over, beating yourself up, or assuming the first half of the year was a financial disaster. It may have been just fine. You may be earning, saving, paying your bills, and doing a lot right.

But sometimes “fine” is exactly where money gets stuck.

In part one of this two-part mid-year money check-in, Shari Rash, founder of GWA Wealth, walks through how to review your cash flow, savings, and investments with more strategy and less shame.

This episode is for the woman who has money coming in, is responsible with it, but still has the same questions sitting there six months later:

What should I do with this cash?

Should I be investing more?

Am I saving too much?

Am I on track?

Why do I still feel like I do not have a clear plan?

Shari explains why doing nothing is still a decision, why positive cash flow does not automatically mean your money has direction, and how to tell whether your cash is creating flexibility or sitting in limbo.

You’ll learn:

Why a mid-year check-in is about strategy, not shame

How to ask what has changed — and what has not changed — since January

Why making good money and having a plan for your money are not the same thing

How to review where your monthly surplus is actually going

Why cash needs a clear job

How to tell the difference between useful cash and idle cash

Why waiting for perfect confidence before investing can cost you time and money

What to check in your retirement accounts, IRAs, brokerage accounts, and old 401(k)s

Why your future does not need perfection — it needs participation

This is part one of a two-part series. Start here by reviewing your cash, savings, and investments. Then come back next week for part two of the mid-year check-in.

Money should not just accumulate, disappear, or sit there because you are unsure what to do next. Money should be a tool that helps you live life on your terms.

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.

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

Shari Rash is a financial planner and Investment Adviser Representative of GWA Wealth, a Registered Investment Adviser. The information provided in this podcast is for educational and informational purposes only and should not be construed as personalized investment, tax, or legal advice. Listening to this podcast does not create an advisory relationship with Shari Rash or GWA Wealth. All investments involve risk, including the potential loss of principal. Any references to specific investments, strategies, or securities are for illustrative purposes only and are not recommendations. You should consult your own financial advisor, tax professional, or attorney regarding your individual situation before making any financial decisions.

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If your home, your calendar, your brain, and your credit card statement all feel a little too full, this conversation is worth revisiting.

In this rereleased episode, Shari Rash sits down with Stephanie Seferian, host of Sustainable Minimalists, to talk about the connection between money, clutter, consumption, and intentional living.

This is not a conversation about never shopping again or getting rid of everything you own. It is about understanding why we buy things we do not really need, how clutter can create stress and decision fatigue, and why spending more intentionally can help you feel more in control of both your home and your money.

For many women, spending does not always look dramatic. It looks like Amazon orders, Target runs, seasonal decor, beauty products, convenience purchases, kids’ stuff, home stuff, and all the little things that quietly pile up — both physically and financially.

Stephanie and Shari talk about how to rethink consumption without shame, how to bring more awareness to what you buy, and why creating a simpler life does not mean creating a smaller life.

You’ll hear:

Why minimalism does not have to mean deprivation

How clutter and overspending can be connected

Why we buy things we do not actually use or need

How to become more intentional before bringing something new into your home

Why “just a few small purchases” can still add up

How to think differently about convenience, consumption, and enough

What it means to build a life with more space, clarity, and purpose

This episode is for anyone who feels like their stuff, spending, and schedule have gotten a little out of hand — and wants a reset that feels practical, not judgmental.

Money is not just about what you earn or save. It is also about what you allow into your life, what you spend on, and whether those choices are supporting the life you actually want.

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.

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

Shari Rash is a financial planner and Investment Adviser Representative of GWA Wealth, a Registered Investment Adviser. The information provided in this podcast is for educational and informational purposes only and should not be construed as personalized investment, tax, or legal advice. Listening to this podcast does not create an advisory relationship with Shari Rash or GWA Wealth. All investments involve risk, including the potential loss of principal. Any references to specific investments, strategies, or securities are for illustrative purposes only and are not recommendations. You should consult your own financial advisor, tax professional, or attorney regarding your individual situation before making any financial decisions.

The views expressed by guests are their own and don’t necessarily reflect the views of GWA Wealth.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Having cash feels good.

It feels safe. It feels responsible. It feels like proof that you are not being reckless with money.

But is there such a thing as saving too much cash?

In this episode, Shari Rash, founder of GWA Wealth, breaks down how to know when cash is doing its job — and when it may be quietly holding you back. Cash is important. Emergency funds matter. Money you need soon should not be taking unnecessary market risk. But when too much of your long-term money sits in savings because investing feels uncertain, that “safe” choice may start costing you growth, flexibility, and future options.

Shari explains how to tell the difference between smart cash and fear-based cash, why women who are good with money often over-save, and how to decide what money should stay safe versus what money may need to start working harder.

You’ll learn:

Why cash can feel emotionally safer than investing

When cash is absolutely doing its job

How much cash may be enough for your emergency fund and near-term goals

Why too much cash can create inflation risk and opportunity cost

The difference between an emergency fund and a fear fund

Why single women may need to think differently about cash, independence, and flexibility

How to move from cash to investing without making a dramatic money move

The simple Cash Confidence Check-In to help you give every dollar a job

The goal is not to drain your savings or shame yourself for holding cash. The goal is to make sure your money is doing the right job for the life you are building.

Because safety is not just having money sit still. Safety is knowing your money is working in the right places.

If you want help figuring out how much cash to keep, what to invest, and how to connect all of it to your real goals, learn more about working with Shari Rash at GWA Wealth at gwawealth.com.

Follow Everyone’s Talkin’ Money on your favorite podcast app and continue the conversation on Instagram @everyonestalkinmoney⁠

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!

Shari Rash is a financial planner and Investment Adviser Representative of GWA Wealth, a Registered Investment Adviser. The information provided in this podcast is for educational and informational purposes only and should not be construed as personalized investment, tax, or legal advice. Listening to this podcast does not create an advisory relationship with Shari Rash or GWA Wealth. All investments involve risk, including the potential loss of principal. Any references to specific investments, strategies, or securities are for illustrative purposes only and are not recommendations. You should consult your own financial advisor, tax professional, or attorney regarding your individual situation before making any financial decisions.
Learn more about your ad choices. Visit megaphone.fm/adchoices

A lot of women are doing the “right” things with money.

They have the job. They save. They avoid bad debt. They keep money in the bank. They are responsible.

But they still do not feel confident.

In this episode, Shari Rash talks with Michelle Taylor, founder of Women In Wealth and host of Talk Wealthy to Me, about the disconnect so many women feel with money: technically doing well, but still feeling unsure, behind, or afraid to make the next move.

Michelle shares how our early money stories shape the way we save, spend, invest, and ask for help. She and Shari talk about why women often receive money advice that does not account for the reality of their lives, including career pressure, caregiving, emotional labor, entrepreneurship, family expectations, and the desire to feel safe.

They also dig into why keeping too much cash can feel responsible while quietly holding you back, why debt is not always bad when used strategically, and why the right financial community or advisor can help you move from “I’m good with money” to “I actually feel confident about what I’m doing.”

You’ll hear:

Why women can do the right things financially and still feel uncertain

How childhood money conversations become adult money beliefs

Why money advice from well-meaning family members may not fit your actual life

How to start more honest money conversations with friends

Why cash can feel comforting but still cost you growth

The difference between being responsible with money and being confident with money

Why women need financial spaces where they can ask questions without shame

How to find advice that supports your life, your goals, and your version of security

This conversation is for the woman who has worked hard, saved money, avoided obvious mistakes, and still wonders, “Am I actually doing this right?”

Because being good with money is not the finish line.

Feeling clear, confident, and supported is what changes everything.

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.

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

Shari Rash is a financial planner and Investment Adviser Representative of GWA Wealth, a Registered Investment Adviser. The information provided in this podcast is for educational and informational purposes only and should not be construed as personalized investment, tax, or legal advice. Listening to this podcast does not create an advisory relationship with Shari Rash or GWA Wealth. All investments involve risk, including the potential loss of principal. Any references to specific investments, strategies, or securities are for illustrative purposes only and are not recommendations. You should consult your own financial advisor, tax professional, or attorney regarding your individual situation before making any financial decisions.

The views expressed by guests are their own and don’t necessarily reflect the views of GWA Wealth.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Summer has a way of making everyone a little looser with money. Dinners, trips, long weekends, weddings, beauty appointments, beach days, concerts, random Target runs, and that very dangerous sentence: “It’s summer, I’m just going to enjoy it.”

And honestly? You should enjoy it.

But enjoying summer without a plan can turn into an August credit card statement that makes you wonder, “Wait… did I have THAT much fun?”

In this episode, Shari walks you through how to build a summer spending plan that lets you spend on purpose without making summer feel restrictive, boring, or guilt-filled. This is not about tracking every tiny purchase or creating a budget that yells at you. It’s about deciding what you actually want your money to do this summer before your calendar, your group chat, your family obligations, and your exhaustion make those decisions for you.

Shari breaks down why traditional budgets often fall apart in summer, how to use flexible spending ranges instead of rigid numbers, and the five summer spending categories she would actually use: travel and weekends, family/friends/obligations, food and convenience, social life, and personal joy and ease.

You’ll learn:

Why summer spending feels different from the rest of the year

The two questions to ask before setting any summer spending number

Why “permission without a plan” leads to regret

How to use spending ranges instead of strict budget categories

Why planned spending deserves to be enjoyed

How to choose one guilt-free yes and one clear boundary for summer

How to do a 15-minute summer spending setup before the season gets away from you

This episode is for the woman who wants to enjoy summer without entering fall with a black cloud of money doom hanging over her head. You can spend money and still be responsible. Those are not opposing values.

Grab the free Summer Spending Plan at everyonestalkinmoney.kit.com/summerplan

Want support sticking with this kind of system all season long? Check out the Everyone’s Talkin’ Money Club, where podcast episodes become tools, routines, community, and real money decisions.

Follow Everyone’s Talkin’ Money on Instagram ⁠@everyonestalkinmoney⁠ and let Shari know what you’re spending guilt-free on this summer.

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.

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!

Shari Rash is a financial planner and Investment Adviser Representative of GWA Wealth, a Registered Investment Adviser. The information provided in this podcast is for educational and informational purposes only and should not be construed as personalized investment, tax, or legal advice. Listening to this podcast does not create an advisory relationship with Shari Rash or GWA Wealth. All investments involve risk, including the potential loss of principal. Any references to specific investments, strategies, or securities are for illustrative purposes only and are not recommendations. You should consult your own financial advisor, tax professional, or attorney regarding your individual situation before making any financial decisions.
Learn more about your ad choices. Visit megaphone.fm/adchoices