Overcoming Financial Stress With The Saver And The Spender

In this final episode of this season of the Fiscal Fitness Podcast, we want to push you a little harder. If you’ve stuck with coach Kelsa and Coach Jill for this long, chances are something has resonated with you. We want to know, what are you going to do to achieve fiscal fitness?   We want to hear the first step you’re committed to taking with your money. Drop us a DM on Instagram at @fiscalfitnessphx.    Throughout this season, your hosts and financial coaches Kelsa Dickey and Jill Emanuel have demonstrated the three stages of becoming good with money - plan maker, goal maker, and dream maker. Now you have the awareness that those are the steps you need to take.   But it doesn’t happen by remaining passive. Our clients are all smart, successful people. The difference is that they've taken action. In this episode, we challenge you to get invested and learn about two ways we can help you start your plan maker journey.    What will you do with this new knowledge and the seed that has been planted? We

When so many people think of budgeting, saving, and debt payoff, they often think that’s the end goal. The goal is to manage your money. But as we’ve talked about in previous episodes, your money is the tool to help you build the life you want. Your money simply makes you more of who you already are. So the key to becoming good at money is knowing who you are, what you stand for, what you value, and then putting your money to support what you are doing and want to do.    Who do you want to be and what role will your money play in you becoming that person?   In this episode, financial coaches and fitness enthusiasts Kelsa Dickey and Jill Emanuel talk about the difference between being interested and being invested. And how being invested - being fully bought into a process or a goal - is the thing that will transform everything from your commitment to fitness and the way you manage your money.    Time is passing regardless, so we ask: Why not have something you’re working toward...something you’re pushin

If you're just joining us now, don't skip the previous episodes! Go back to Episodes 8 and 9 and make sure you understand the Plan Maker and Goal Maker steps first.   Once you've established yourself as a Plan Maker and Goal Maker, a big sign of being a Dream Maker is that you don't feel tempted. You don't fall into comparisonitis about what others are doing with their money. If you're coach Jill, you don't feel pressured to buy a Peleton bike.    Dream Makers feel wealthy because they understand what wealth means to them. A Dream Maker isn’t tempted by the latest craze because their money goes to what they value - not what others value.    In this episode, financial coaches and fitness enthusiasts Kelsa Dickey and Jill Emanuel talk about how to start dreaming big again and tips for working toward your dreams.    If you're ready to start dreaming big, join us at http://becomeaplanmaker.com/   To get insider info about the Fiscal Fitness Podcast, join our Podcast Launch Squad. If Instagram is your ja

If you're just joining us now, don't skip the previous episode! Go back to Episode 8 and make sure you really understand the Plan Maker step first.   What do you want? In this episode, we want you to ask what you want so badly that you’ll do anything to get it.    You might want to get out of credit card debt because credit card debt is no fun. It’s not a great feeling to have money going toward debt every month. But what getting rid of that debt might mean is that you’re able to take an international trip every year. The trip is what you want. Sure you might want to pay off your debt, but the trip is the thing you desire. It’s the real goal. Your debt is the thing standing in the way.    Let’s use a fitness example now: When training and getting fit, you might want to lose weight. But what you’re really after are the benefits that come from taking your fitness and nutrition seriously - feeling better, having more energy, and being healthy. Those things are more important than numbers on a scale. Those

We believe fiscal fitness is all about creating a plan for your money that you love, building the habits to work that plan, and then challenging yourself to set a goal and go after it.   If you think about an area of your life where having a plan helps - think of meal planning, fitness training schedule, macros - it gives you peace of mind. You know what you have to do. It makes decision-making easier and faster.   Enter the dreaded budget. Unfortunately “budgeting” as most of us know it is a flawed system. It assumes that payday is at the beginning of the month, all bills are paid immediately, and everything in life happens in a snapshot on that payday.   This type of budgeting doesn’t work, and it’s the reason most people think they’re just “not good with money.”   In reality, we know they just need a better system, one that helps them plan by paycheck for the things that come up in any given pay period, while still saving for the expenses that don’t show up in a monthly budget but definitely still

There is a roadmap you follow to get results in your training. The same thing goes for your money. There’s a roadmap you can follow to get out of debt and build up your savings and it’s not as hard as you think.    In this episode of the Fiscal Fitness Podcast, Financial Coaches Kelsa Dickey and Jill Emanuel talk about the three milestones you hit on the way to becoming someone who is “good with money.” You need to become a plan maker to then become a goal maker to then become a dream maker.    It takes planning and practice. And it starts with you gaining clarity and building new habits. It starts with you becoming a Plan Maker.    If you're ready to become a plan maker, join us at http://becomeaplanmaker.com/   To get insider info about the Fiscal Fitness Podcast, join our Podcast Launch Squad. If Instagram is your jam, make sure you follow Fiscal Fitness, Coach Kelsa, or Coach Jill.

We know you are already doing great things with your fitness and nutrition. The habits you have built in your daily life around your training are going to be so helpful for you to use in your financial life as well. Think about the regular habits you use every day that got you to where you are. You plan your nutrition. You plan your training. You plan your check-ins. You track your metrics. You set goals for yourself, both short and long-term. You know as long as you’re sticking to your plan, you will get the results you want. The same is true for your money. Yes, in both fitness and finance, it is that simple. Once you have the plan you simply need to execute it.    In this episode of the Fiscal Fitness Podcast, financial coaches and fitness enthusiasts Kelsa Dickey and Jill Emanuel talk about how you can take all these same fitness habits and apply them to how you manage your money.    If you're ready to create a plan for your money, join us at http://becomeaplanmaker.com/   To get insider inf

When Coach Kelsa first started working with a fitness coach, she had a goal to lose 10 lbs. At that time, 10 lbs seemed like a big deal. A year into her program, she lost more than twice that amount and is now training for her first powerlifting meet.    As financial coaches, Kelsa Dickey and Jill Emanuel have seen this with their clients too. A client comes to them with an immediate need or idea that feels big to them. Let’s say they want to pay off a credit card or build up their savings. But after a while, they start dreaming big and doing things like buying investment properties and completely restructuring their business so they can work less and make more money.    This episode is full of amazing and inspirational client stories to show you what is possible when your finances are as dialed in as your fitness.    If you're ready to have your money lead you to big audacious goals, join us at http://becomeaplanmaker.com/ To get insider info about the Fiscal Fitness Podcast, join our Podcast Launch

Your fitness and your finances are tied together. Whether or not you realize it, the way you manage your money daily affects how well you can train. Do any of these scenarios sound familiar? You’re running around putting out fires and reacting to things because you forgot to pay a bill.  You’re taking on clients you don't love, charging too little, or exchanging time for money because you don’t have a compensation package that supports your lifestyle and goals.  You're not sleeping well and tired because you're stressed about money.  You’re burnt out. You’re not taking vacations because you can’t afford them. Or if you do take a vacation, you work on it because you can’t afford to take the time off.  Your competition expenses, coaching, training, equipment, and life, in general, are going on a credit card because you’re not putting your money toward the things you want.  What if you didn't have to do all these things? What if you had a plan for your money that allowed you to create the life you want to

If you’re good with your fitness but not so hot when it comes to your finances, you’re probably telling yourself a few things. You're making excuses as to why you're "not good with money." These are likely the same excuses you'd never tolerate when it comes to your own fitness or excuses you'd let a personal training client get away with. And yet you’re buying into them when it comes to your money. That’s what your hosts and financial coaches Kelsa Dickey and Jill Emanuel are going to talk about in this episode.   Just like you can’t out-train a bad diet, you can’t out-earn a bad money management habit. You need a plan and some new habits to support you.  We want you to do is start seeing yourself as a strong person financially - someone who plans ahead with their money, someone who sets goals with their money, someone who knows they are going to do great things with their money, and they have the confidence to put their money behind what they care about most.    To learn more about how we can help you g

Coach Kelsa and Coach Jill weren’t always so dialed in with their fitness and finances. Coach Kelsa for years struggled to make her fitness a priority while growing her financial coaching business. And Coach Jill, despite several injuries and surgeries through the years has been pretty great with her fitness. Her finances though were a wreck before she started financial coaching.    Hear their stories about the moments that sparked a change and shifted their trajectory. Learn about the line in the sand that each of them drew and the things they’ve been able to do now that their fitness and financial goals are in alignment.   To learn more about how we can help you get a plan for your money that supports your fitness goal and so much more, join us at http://becomeaplanmaker.com/.   To get insider info about the Fiscal Fitness Podcast, join our Podcast Launch Squad. If Instagram is your jam, make sure you follow Fiscal Fitness, Coach Kelsa, or Coach Jill.

We are here to dispel the myth as to what it means to be financially fit. And fitness folks, we’re speaking your language. This is a podcast for people who are fitness-obsessed but maybe not so great when it comes to their finances. So, why are we talking about money management and fitness?   So many times people think Fiscal Fitness or managing your money well results in more money. That is one piece of it. That’s a really fun piece of it. But it’s just like saying getting in shape is ALL about looking better. That’s just ONE small part of getting in shape. There are so many things that go into that transformation - your mindset, the way you feel about yourself, the way you feel about your life, your internal health, your strength - all of those are part of your fitness journey. And the same is true when it comes to getting financially in shape.   If your fitness and your health are dialed in, but your money isn’t, then your total wellbeing is still out of alignment. We want to boost your entire well-bei

Podcast description: Personal Trainers, studio owners and other fitness enthusiasts listen up! You have a plan for your training. You have a plan for your nutrition. And you may even be helping your own clients plan for those things too.  What if I told you that all those same skills can be used to create a plan for your money too?  We’re your hosts Kelsa Dickey and Jill Emanuel. We are financial coaches who have helped thousands of fitness-obsessed individuals just like you to stop winging it financially, to get on a plan, get ahead and learn how to spend with confidence.  We are on a mission to take the stress out of money in our world. If you love having a plan for your fitness goals and want that same confidence for your finances… it’s time to make that happen. We will share easy, practical and smart strategies to help you save money, payoff debt, spend mindfully, make more money and gain control of your finances. Even better - we’ll make sure every financial strategy we share tracks back to the fitne

How financial coaching finally helped this couple see eye to eye on their finances

How Financial Coaching Helped this Couple Get and Finally Stay Ahead

The budget you have today is not meant to be permanent. It can and will change. Furthermore, it should change. Your budget is a living document. So instead of trying to squeeze into it like a pair of jeans that no longer fits, give yourself some breathing room and create the budget you need to match your life as it is now. Listen to this podcast to learn about the four signs you budget is no longer working for you and how to create one that does.

A caretaker is someone who uses their time, money, or energy to assist their immediate family members, friends, or colleagues.  Are you always stepping up to meet the needs of those around you?  Do you support a spouse or partner by working a lot or in a job you don’t enjoy so they can pursue a hobby or dream job? If you ask yourself often, but “What would they do without me?” If so, you may fall pretty high on the spectrum of caretaker tendencies.  As financial coaches, we sometimes have to coach our clients to balance their caretaker tendencies with taking care of themselves and their own finances. We support people to give, but in ways that don’t cause stress on their health or finances.   In this episodes of the Fiscal Fitness Podcast, learn: What care taker tendencies are How they show up How to balance the need and desire to help with your own financial goals Ways to flex your non-caretaker muscles

If you have kids, usually it’s not a matter of to Disney or not – it’s a matter of when. Whether you’ve never been to Disney or make it an annual pilgrimage like our very own Coach Jaclyn, this episode is for you. We brought in an expert to talk about ways to plan and budget for your perfect Disney vacation. We chatted with Stacy Ellis, a travel advisor for Key to the World Travel, an Authorized Disney Vacation Planner. She’s been to Disney more than 16 times and loves helping families and Disney loving couples plan their best Disney trip. In this episode, we discuss with Stacy: The average cost for a family of four to Disneyland and Disney World Figuring out your ideal Disney trip (everyone does Disney different) Off season vs. peak season costs How to plan in order to not blow your Disney budget Staying on a Disney property to not Planning decisions (what to pack, what to eat, what add-ons to buy) Tips for doing Disney with little kids (Did you know kids under 3 are free?!?) Stacy’s biggest and

When it comes to bodybuilding and wealth building there is one thing that seems to be very true: Once you build the foundation, it’s pretty easy to maintain. Unfortunately building that strong foundation is what keeps so many of us held back. We face a long list of challenges, including: Too many choices/options and trying to decide which is right for you  Decision fatigue Trying to use an app when it’s not built for your unique scenario or needs  Lack of accountability No ability to ask questions or troubleshoot as you go Sustainability/Consistency over speed Seeing it as a lifestyle vs a finite goal with an end date (this is a lifelong endeavor) If you follow Coach Jill’s instagram feed, you know she’s no stranger to the gym. Despite suffering a debilitating back injury years ago, Jill recommitted to her fitness in a big way in 2020 and has turned that 2020 motivation into a life-changing and life altering way of looking at her health and fitness.   Resources / links related to topic / mentioned

In this episode of the Fiscal Fitness Podcast, Coach Jaclyn interviews Coach Jill, who is a mom of two, all about kids and money. They discuss at what age to introduce debit cards, how much you should spend on daycare, and how much allowance you should give and how it should be given or earned. Jill also admits that at one point when her two boys were young she was paying $20,000/year for childcare. It gets better parents of young kids!   Extra Resources for Kids and Money: Schedule a free Q&A call with one of our financial coaches Read more about a Eureka session, or schedule your own! Read these client success stories. We are always inspired by what our clients accomplish!  Our Podcast Episode with Allowance Expert John Lanza How to Budget When Daycare is a Thing of the Past