In this episode of The EMBER Project Podcast, I’m joined once again by my friend Ra’Cole Taltoan, CEO of Rockbrook Business Services, LLC, accountant, nonprofit strategist, and community advocate, for an honest conversation about holiday debt, tax refunds, and financial recovery.
The holidays may be over, but for many families the stress lingers. January has a way of bringing everything into focus, credit card balances, tight bank accounts, and the quiet fear that shows up when you start wondering how you’re going to recover from it all.
Ra’Cole and I talk openly about why so many families slide into holiday debt, not because they are irresponsible, but because of love mixed with limited options. We discuss guilt, comparison, emotional spending, and the pressure mothers feel to create meaningful memories for their children even when money is already stretched thin.
This conversation is grounded in lived experience. We share stories from our own lives about relying on tax refunds to catch up on bills, paying utilities ahead when possible, and learning financial survival strategies out of necessity. Ra’Cole introduces the idea of quiet fear, that constant background worry so many parents carry, especially after Christmas.
We also talk through practical questions that come up every year, where to start when money is already tight, how to recover from holiday debt without making things worse, how to think about tax refunds, and how to balance paying down debt with building a small safety net. Throughout the episode, we return to the importance of letting go of guilt, understanding what kids really remember, and making small, sustainable choices that support both financial and emotional well being.
If you’re listening and feeling overwhelmed, behind, or ashamed about your finances, I want you to hear this clearly. You are not bad with money. You are not failing your children. You are doing the best you can in a system that was not built to support mothers, especially young mothers.
Recovery does not require perfection. It requires honesty, support, and one small step at a time.
About My Guest
Ra’Cole Taltoan is the CEO of Rockbrook Business Services, LLC. She is an accountant, nonprofit strategist, and community advocate whose work focuses on financial healing, stability, and systems for women and young mothers.
Learn more about Ra’Cole and her work at
https://www.rockbrookbusinessservices.com
About The EMBER Project
The EMBER Project is a nonprofit dedicated to supporting early mothers through mentorship, education, career development, and financial empowerment. We believe early motherhood should never define the limits of a woman’s future, and that when mothers rise, families rise. Learn more about our work at www.TheEMBERProject.org