If you’ve ever Googled “How much should I spend on groceries?” and felt more confused than before… this episode is for you.

There are a million answers out there, $100 per person, $200 per person, “it depends where you live”... but what you really want to know is:

👉 Am I spending too much?
👉 And if I am… how do I fix it without feeding my family rice and beans every night?

In today’s episode, I’m breaking down:

• The average grocery spending in the U.S. (and Canada)
• The real number you should aim for per person
• The 3 biggest reasons families overspend
• How to figure out if you’re overspending
• Simple shifts that can cut hundreds (even $800+) per month

Most families don’t realize how much money is quietly leaking out of their grocery budget. And the truth? Groceries are often the fastest and easiest place to free up cash, especially if you're trying to pay off debt or create margin in your budget.

I’ll walk you through how to:
✔ Track your real spending
✔ Set a realistic per-person goal
✔ Meal plan without overwhelm
✔ Stop wasting 30% of your food
✔ Reduce impulse grocery trips

And if you want the full step-by-step system, you can join my free class where I teach my signature SHOP Method from start to finish.

CLICK HERE TO JOIN

Because saving money on groceries doesn’t have to mean deprivation. It just means intention.

Let’s get into it.

xoxo,
Rachel

Where to find me:
Instagram: @heyrachelcoons

Join me for my 'Money RESET 2026' training!: REGISTER HERE

There’s one money habit that completely changed everything for my family... and it’s probably not what you think.

It wasn’t budgeting.
It wasn’t meal planning.
It wasn’t cutting out coffee or canceling subscriptions.

Those things can help… but they weren’t the thing that actually moved the needle.

In this episode of the Money Mom Podcast, I’m sharing the one simple question my husband and I started asking before every single purchase, and how that tiny pause transformed the way we spend, save, and make decisions as a family.

You’ll learn:

• The exact question that stopped our autopilot spending
• Why most money problems aren’t about income—but misalignment
• How this habit saves hundreds of dollars without feeling restrictive
• Why clarity around your goals changes everything
• How to spend money without guilt when it actually aligns with what matters to you

If you’ve ever wondered why you know your goals but still feel stuck… or why progress feels so hard even when you’re “doing all the right things,” this episode will connect the dots.

This is a small shift—but it has massive long-term impact.

Press play and let’s change the way you think about spending. 💛

xoxo,
Rachel

Where to find me:
Instagram: @heyrachelcoons

Join me for my 'Money RESET 2026' training!: REGISTER HERE

Have you ever made real progress with your money... only to turn around and undo it? You finally get groceries under control… then spend $300 at Target. You pay off a credit card… and rack it right back up. You save money… and suddenly it’s gone.

It feels like bad luck or bad timing, but it’s not. It’s self-sabotage.

In this episode of the Money Mom Podcast, Rachel breaks down what’s actually happening in your brain when you sabotage your financial progress, why it keeps happening (even when you’re doing “everything right”), and how your subconscious beliefs around money are quietly running the show.

You’ll learn:

• What financial self-sabotage really is (and what it isn’t)
• Why progress with money can feel unsafe to your brain
• How childhood experiences and learned beliefs impact your spending today
• Real-life examples of self-sabotage with groceries, savings, debt, and income
• The 5 steps to start rewriting your subconscious money patterns
• How to stop the cycle without shame, guilt, or perfectionism

If you’ve ever thought “Why do I keep doing this?” or “What’s wrong with me?” — this episode will change the way you see yourself and your money.

You’re not bad with money. You’re not broken. You just have old programming—and now you can change it.

🎧 Tune in and let’s break the cycle together.

xoxo,
Rachel

Where to find me:
Instagram: @heyrachelcoons

Join me for my 'Money RESET 2026' training!: REGISTER HERE

Tired of paying sky-high premiums for health insurance? In this episode, Rachel Coons breaks down all your health coverage options... from traditional insurance and marketplace subsidies to cost-sharing plans that could save you thousands every year.

As a former licensed health insurance agent, Rachel shares insider knowledge about the four main ways to handle health coverage in America. She explains why health insurance became so expensive, what most people don't know about their options, and how her family saves over $15,000 annually using an alternative to traditional insurance.

What You'll Learn:

• Why health insurance costs are so high (and why you might be overpaying)
• The pros and cons of employer coverage, marketplace plans, and going without insurance
• How cost-sharing plans work and whether they're right for your family
• Real-world example: How Rachel's family handled a $17,000 emergency room bill
• Who should (and shouldn't) consider alternatives to traditional insurance

Whether you're a small business owner, self-employed, or just frustrated with your current premiums, this episode will help you make an informed decision that works for your family's health needs and budget.

Christian Health Ministries (cost-sharing plan with 50% off first month available) Click here to learn more about the cost sharing plan Rachel recommneds

xoxo,
Rachel

Where to find me:
Instagram: @heyrachelcoons

Join me for my 'Money RESET 2026' training!: REGISTER HERE

In this episode of The Money Mom Podcast, we’re breaking down one of the most misunderstood money behaviors: impulse spending. If you’ve ever told yourself you just need “more discipline,” this conversation is going to change everything.

Instead of shaming habits like Target runs, late-night TikTok shopping, or drive-through treats, we’re getting to the real root of why impulse purchases happen in the first place. Spoiler: it has nothing to do with budgeting better... and everything to do with unmet emotional needs.

You’ll learn why traditional financial advice gets this wrong, how impulse spending actually works in your brain, and what to do instead, without guilt, restriction, or deprivation.

In this episode, we cover:

• Why “just stop impulse buying” is terrible financial advice
• The emotional reason impulse spending feels so good (and why it never lasts)
• The 7 emotional needs that most impulse purchases are really trying to meet
• How stress, boredom, deprivation, identity, control, and connection show up in your spending
• Why awareness, not restriction, is the first step to lasting change
• How to start budgeting for your emotional needs instead of fighting them

If you’ve ever felt confused, ashamed, or frustrated by your spending habits, this episode will help you feel seen, and give you a completely new lens for understanding your relationship with money.

Because your impulse buys aren’t random.
And once you understand what’s underneath them, everything changes.

🎧 Listen in, and if this episode resonates, don’t forget to leave a review, it helps us keep creating deeper, more meaningful conversations about money.

xoxo,
Rachel

Where to find me:
Instagram: @heyrachelcoons

Join me for my 'Money RESET 2026' training!: REGISTER HERE

Have you ever started the new year determined to “finally get your money together”… only to feel burned out, discouraged, or back in the same place a few months later?

In this episode of The Money Mom Podcast, Rachel breaks down why most financial goals don’t stick, and it has nothing to do with discipline, motivation, or willpower.

Most money goals are created from panic, shame, or urgency. And while that energy can spark change for a moment, it never lasts, especially for busy moms carrying the mental, emotional, and physical load of family life.

In this episode, you’ll learn:

• Why motivation-based and willpower-only goals collapse when real life happens
• How to stop setting “panic goals” that create pressure instead of progress
• Why money is emotional, and why your goals must account for your nervous system
• The difference between outcome-based goals and identity-based goals
• How focusing on who you’re becoming leads to lasting financial change
• Why doing less, not more, is often the key to momentum
• How to create money goals that feel calm, safe, and doable... even in hard seasons

Rachel also shares personal stories from early motherhood, explains why “trying harder” isn’t the answer, and walks you through a gentler, smarter approach to goal setting that works with your life, not against it.

If you’ve struggled to stick with financial goals in the past, this episode is your reminder:
You’re not broken. You don’t need more discipline. You need better systems and a supportive identity.

✨ And if you’re ready to build money goals that actually stick, Rachel shares how you can join Money Mom Club, where moms learn to create sustainable systems, calm their money stress, and feel confident with their finances — without pressure or shame.

You can join for 50% off this week only: www.heyrachelcoons.com/moneymomclubmoney

🎧 Press play and start 2026 with a calmer, more intentional relationship with money.

xoxo,
Rachel

Where to find me:
Instagram: @heyrachelcoons

Join me for my 'Money RESET 2026' training!: REGISTER HERE

Have you ever downloaded a new budgeting app, opened a fresh spreadsheet, and promised yourself this time will be different... only to fall right back into the same money stress a few weeks later?

You’re not broken.
And you don’t have a willpower problem.

In this episode of The Money Mom Podcast, I’m breaking down why budgeting alone doesn’t actually lead to financial peace, confidence, or debt freedom, and what’s really going on beneath the surface when money systems don’t stick.

We’ll talk about why numbers don’t change habits, how your emotions and subconscious beliefs drive spending, and why so many moms stay stuck in the same cycle even when they “know what to do.”

You’ll also learn about the four money personalities I see most often in moms:

• The Avoider who doesn’t want to look at the numbers
• The Emotional Spender who shops to cope with stress
• The Scarcity Saver who budgets well but never feels at peace
• And the Confident Money Mom — the version of you who feels calm, grounded, and in control of her money (without obsession or restriction)

This episode isn’t about shame, restriction, or another spreadsheet.
It’s about understanding why you show up the way you do with money — so you can finally change it.

If you’ve ever felt:

• Overwhelmed by budgeting
• Stressed about debt
• Guilty for spending
• Afraid to check your bank account
• Or tired of money running your emotions, marriage, or mental space

…this episode will meet you exactly where you are.

✨ And if you’re ready to do the deeper work — combining practical money skills and mindset — I’ll also share how you can join us inside Money Mom Club, a supportive community of women learning how to save, spend, invest, and feel confident with money.

🎧 Press play and let’s stop budgeting around the problem — and finally address the root.

xoxo,
Rachel

Where to find me:
Instagram: @heyrachelcoons

Join me for my 'Money RESET 2026' training!: REGISTER HERE

In this episode, we’re unpacking why money avoidance is so common (and why it’s not a personal failure), how your nervous system plays a role in financial stress, and how awareness, not perfection, is the first step to taking your power back.

You’ll hear why:

• Avoiding your bank account is actually making the problem worse
• Your brain is trying to protect you, but it’s often lying to you about danger
• Simply looking at the numbers (without judgment) can start breaking the negative money cycle
• Grocery spending is the fastest, least overwhelming place to create real financial momentum
• More money won’t fix money problems without a system in place
• All-or-nothing thinking is one of the biggest budget killers for busy moms

We also talk about why restriction, no-spend challenges, and perfectionism don’t work long-term, and what does work instead: flexible systems, realistic habits, and progress you can actually sustain in real life.

If you’re heading into 2026 feeling overwhelmed, behind, or stuck in a cycle of stress with money, this episode will help you slow things down, reconnect with your body, and start moving forward—one grounded step at a time.

✨ Plus: I’m sharing details about my upcoming free Money Reset for 2026 workshop, where we’ll break down the 5 pillars busy moms need to stop overspending, get out of debt, and finally feel in control. Without shame or spreadsheets.

👉 Links to the free workshop and my grocery savings classes are here:

www.heyrachelcoons.com/class

You are not starting over.
You’re leveling up.
And you’re more capable than you think. 💛

xoxo,
Rachel

Where to find me:
Instagram: @heyrachelcoons

Join me for my 'Money RESET 2026' training!: REGISTER HERE