Shows / Money Made Human Podcast
Money Made Human Podcast
Personal finance with a human touch.
Money Made Human is a show about what it actually looks like to handle money well. Not the rules. Not the hacks. The real, human experience of building a financial life that fits how you actually live.
Hosted by Kelsa Dickey, founder of Financial Coach Academy® and creator of the SpendFirst® methodology, this show is for two kinds of listeners. People who want a better picture of their own money. And the financial coaches and practitioners who do this work…
Episodes
- Money Made Human Podcast
Chapter 17, Getting Out of Debt
If you've been asking yourself "should I save or pay off debt?", there's a step that comes before either one, and once it's in place the whole payoff feels…
- Money Made Human Podcast
Chapter 16: Saving with Purpose
You finally get some money into savings, and then the car needs a $1,200 repair. The balance drops, and it feels like you just lost all your progress. If…
- Money Made Human Podcast
Chapter 15: The Mechanics of Goal-Setting
Say your goal is to save $500 a month. Then an unexpected expense comes up, and that month you only manage $400. You still saved $400, but because you missed…
- Money Made Human Podcast
Chapter 14: Setting Your Authentic Goals
If you've ever looked up how to set financial goals, you were probably handed a number that sounds responsible, and that is usually the problem. A goal you…
- Money Made Human Podcast
Chapter 13: Planning Ahead
If you have ever gone looking for how to plan your finances for the year and given up somewhere around February, it probably was not a failure of effort…
- Money Made Human Podcast
Chapter 12: When Income Isn't Standard
Most guidance on how to budget with irregular income assumes a paycheck that arrives the same way every two weeks. Chapter 12 is where the system flexes to…
- Money Made Human Podcast
Chapter 11: Growing Your SpendFlex
Most guidance on how to free up money in your budget starts with a list of things to cut. Chapter 11 starts somewhere else, with the plan you've already built…
- Money Made Human Podcast
Chapter 10: SpendFlex - Where Possibility Begins
What if there were a number that told you, honestly, what your money can do for you? Once your bills are handled, your everyday spending is covered and the…
- Money Made Human Podcast
Chapter 9: Your First Payday Reality Check
Here's what nobody tells you about starting something new with your money: the first time rarely goes perfectly, and that's completely okay. This chapter is…
- Money Made Human Podcast
Chapter 8: The Number That Changes Everything
Your bank balance is lying to you. Not on purpose, but it only counts what has already happened. It shows you a number that looks like money you can spend…
- Money Made Human Podcast
Chapter 7: The Simple Payday Rhythm of SpendFirst
What if managing your money came down to one short routine you run every payday, and then you were done? No daily tracking, no checking your balance ten times…
- Money Made Human Podcast
Chapter 6: SpendFuture - Planning for What Doesn't Happen Monthly
Here's the wave that makes so many capable, responsible people feel like they just can't get ahead. You have a good month, put a little toward a card, and then…
- Money Made Human Podcast
Chapter 5: SpendFreely - Where Real Life Happens
If you feel a little pang of guilt almost every time you spend money, that guilt was never really about your choices. It's about a hundred small purchases with…
- Money Made Human Podcast
Chapter 4: SpendFixed - Your Monthly Commitments
If you’ve ever felt fine at the start of the month and strangely broke by the middle of it, this is for you. There is a clear reason for that mid-month…
- Money Made Human Podcast
Chapter 3: The Three Ways Your Money Moves
Some months your money feels calm, and some months it feels like chaos, even when your paycheck stays exactly the same. This week on the podcast I'm reading…
- Money Made Human Podcast
Chapter 2: The Heartbeat of SpendFirst - Your Paycheck Rhythm
Does your budget feel like it’s fighting your calendar? Most financial advice tells us to plan in 30-day blocks, but your life happens paycheck to paycheck…
- Money Made Human Podcast
Chapter 1: Why Traditional Budgeting Keeps Failing You
If you’ve tried budgeting apps, spreadsheets, and rules and still ended up unsure, this is the episode that explains why, and why it was never a flaw in you…
- Money Made Human Podcast
What If You Could See Ahead?
This is where it begins. In the Introduction to SpendFirst, I'm reading the opening of my new book and laying out the premise the whole season is built on: You…
- Money Made Human Podcast
Welcome to Money Made Human
The Financial Coach Academy Podcast is now Money Made Human, and Season 2 starts here. In this short welcome episode, Kelsa Dickey shares what the new show is…
Money Made Human PodcastGoodbye Season 1
This is the final episode of the Financial Coach Academy Podcast and the final episode of Season 1. Starting June 25, this show becomes Money Made Human. In…
Money Made Human PodcastWhy Conference Fears Are Actually Reasons Financial Coaches Should Attend (with Philip Taylor)
Every year the same hesitations come up when I talk to coaches about conferences: I won't know anyone. It's too expensive. I'm not far enough along. I don't…
Money Made Human Podcast156. How to Prepare for a Conference (So You Don't Waste $4,000)
Someone on Reddit spent more than $4,000 on a conference and came home with six business cards on their desk and nothing else. No meetings booked, no follow-up…
Money Made Human Podcast155. How to Connect With People Who Need You (When You Feel Like You've Tried Everything)
A few weeks ago, an email came across my desk from a financial coach who said she'd never struggled this much to make something work. She'd been posting…
Money Made Human Podcast154. The One Question That Simplifies Every Business Decision
Every business decision you make has three stakeholders, and most coaches only think about one or two of them. That's usually why the decisions feel so hard…
Money Made Human PodcastWhat You Need (and Don't Need) to Be a Financial Coach
If you've been thinking about starting a financial coaching practice, there’s probably a list running in the back of your mind. The certification you should…
Money Made Human Podcast153. The 4-Stage Client Journey Every Financial Coach Needs to See
Every client you work with moves through a journey. The situations are always different, but the stages are remarkably consistent. I’ve watched them unfold…
Money Made Human Podcast152. The Framework That Changed How I Coach
Your client just made a choice you wouldn't have made. You walked them through the options. You built the understanding. They applied it, reflected on it, and…
Money Made Human Podcast151. Inside the Session: Three Things to Notice in a Real Coaching Session
Last week you listened to a real coaching session with Lauren, a financial coach working through competing goals, limited margin, and a jumbled mind full of…
Money Made Human Podcast150. A Real Coaching Session on Prioritizing Financial Goals (Part 1)
Lauren is a financial coach. She knows exactly what she'd tell a client who was juggling competing financial goals with limited margin. She'd say: pick one…
Money Made Human Podcast149. How to Make Financial Progress Visible
Coaches are really good at helping clients build plans, organize their money, set goals, and adjust their behavior. These are excellent things. But something…
Money Made Human Podcast[The Client Seat] When Your Emergency Fund Creates More Stress Than Relief
If you followed the recent series on calibration and the three rhythms that money flows through, this session is where both of those ideas come to life. Mary…
Money Made Human Podcast148. The Three Rhythms Your Client's Money Actually Follows
Most clients walk into a session already convinced they failed. The bad month is fresh. They went over budget. The spreadsheet is in the red. And every line…
Money Made Human Podcast147. What I've Learned About How Practitioners Actually Grow
There's a question many financial coaches don’t stop long enough to ask: What actually makes us better at this? Not what we think makes us better. Not what the…
Money Made Human PodcastHow to Take Feedback
Getting feedback used to make my chest tighten. I'd spend so much energy trying to live a life where I'd never have to hear that I let someone down or…
Money Made Human Podcast146. How to Talk About What You Do So People Actually Want It
Something trips up a lot of really good financial coaches, and it has nothing to do with the actual work. It's how they describe it. When someone says, "So…
Money Made Human Podcast145. What Your Client is Really Telling You When They Say “I Just Need to be More Disciplined”
There's a sentence you've almost certainly heard from a client. Maybe more than once. Maybe even in the last week. "I just need to be more disciplined." It…
Money Made Human Podcast144. Holding Big Goals Without Making Them Your Identity
You’re secretly afraid that if you set boundaries around when you work or stop applying pressure, you'll collapse. That the drive you have will disappear. That…
Money Made Human Podcast143. How Confidence is Actually Built
Your clients don't need you to make everything feel better. They need you to help them trust themselves while feeling uncertain. This is the line between…
Money Made Human Podcast142. [Inside the Session] Targeted Focus That Changes Your Coaching
Last week, our Client Seat episode featured me coaching Michelle through feeling out of control with her money after moving to Guatemala. The cash system felt…
Money Made Human Podcast141. [The Client Seat] Coaching Through When Life Changes the Rules
This episode is part of our Client Seat series, where financial coaches get real-time financial coaching from Kelsa. It’s a great opportunity to showcase what…
Money Made Human PodcastFive Strategies for Getting Out of Debt
I’m just going to come out and say it: there is NO “right way” to get out of debt. In fact, there are a number of ways that you can support your clients (or…
Money Made Human Podcast140. How to Take Feedback
Getting feedback used to make my chest tighten. I'd spend so much energy trying to live a life where I'd never have to hear that I let someone down or…
Money Made Human Podcast139. How to Be a Financial Coach and Work Full-Time
The state of things right now isn't exactly predictable. Costs are up, people feel cautious about spending, and there's this underlying tension around money…
Money Made Human Podcast138. How to Be a Financial Coach in 2026
Your clients’ budgets absorbed increases they never saw coming this year. A healthcare premium that jumped several hundred dollars per month. Utility bills up…
Money Made Human Podcast137. [Announcement] Evolution of The Plan Ahead Method™ to SpendFirst®
After almost two decades of watching clients struggle with traditional budgeting advice, one pattern became impossible to ignore: the advice itself was…
Money Made Human PodcastFirst Paid Sessions: Creating an Experience Clients Remember
You've got a client who's ready to work with you—they've paid for their first session and now you're feeling those pre-session nerves. Sound familiar? In this…
Money Made Human Podcast136. How to Tackle This Real-Life Coaching Scenario
A client is tearing up about their debt in your first session together. You're feeling good about the progress you're making. Then weeks later, when you use…
Money Made Human Podcast135. The MeaningFirst Method™: Financial Goals You Want To Follow Through On
What if the way you're asking clients about their goals is actually making it harder for them to follow through? Most coaches ask what their client wants to…
Money Made Human Podcast134. Inside the Session: “I Thought I Was Doing Everything Right” - Client Seat Recap
Knowing what to say in a coaching session is one thing. Knowing when to say it, how to pace it, and what to listen for underneath the words… that's where real…
Money Made Human Podcast133. [The Client Seat] When Your Emergency Fund Creates More Stress Than Relief
Welcome to our first Client Seat episode, because even coaches need coaches. Mary Ann Stenquist teaches people how to break the shop-regret-shame cycle. She's…
Money Made Human Podcast132. How to Create Buy-in: The Framework for Lasting Financial Change
You've identified the problem. You understand the instinct gap. Now it's time to fix it. In the first two episodes of this series, we talked about why…
Money Made Human Podcast131. The Missing Piece of Financial Change: The Conative Mind Explained
You've given your clients the tools. You've shared the knowledge. They say they understand. They even seem motivated. But then nothing changes. This is the…
Money Made Human Podcast130. Why People Don’t Take Action With Money (and How to Fix It)
Financial content is everywhere. Personal finance is the second most talked about topic on the internet. And yet, people are more stressed about money than…
Money Made Human Podcast14 Simple Marketing Tactics to Grow Your Financial Coaching Business
You didn't start your coaching business to become a marketing expert. But marketing is how you get visible and attract the right clients. Without it, even…
Money Made Human Podcast129. From Information to Transformation: Why Your Clients Aren't Following Through
Financial coaching isn't about giving better advice. Most of your clients already know they should spend less than they earn. They know they need an emergency…
Money Made Human PodcastBonus | Raising the Standard: The Future of Financial Coaching
People will tell you they want financial literacy. They'll say they need to understand their numbers better, get organized, learn the right steps. And those…
Money Made Human Podcast128. Why Financial Coaches Should Talk About Transformation (Not Just Coaching)
Most coaches struggle to talk about their work in a way that makes people want to invest. They know they're getting clients results, but when it comes to…
Money Made Human Podcast127. Should You Add More Services to Your Financial Coaching Business?
“Should I add tax prep to my coaching business? What about investment management or insurance?” I hear this question from coaches all the time, especially when…
Money Made Human PodcastTackling Imposter Syndrome: A Financial Coach's Guide
First things first, friends: Imposter syndrome is not a thought: “I am an imposter” or a feeling: “I feel like a fake.” It’s a circumstance. And if we want to…
Money Made Human Podcast126. Why Your Great Q&A Calls Are Ending in Crickets (And How to Fix It)
You hang up from that Q&A call thinking you really connected with that person. They'd be so great to work with. You know you can help them. The conversation…