We have $350,000 in student loans...and we're not paying them off early.

When I posted about this on Instagram, the comments were a lot.

So I decided to break down exactly what our strategy is, why we made this decision, and the math behind it.

This isn't about getting a handout. It's about being intentional with debt instead of reactive.

In this video I cover:

• Why we chose an income-driven repayment plan over aggressive payoff
• How the 20-year forgiveness program actually works
• The tax bill that comes with forgiveness (and how we're saving for it)
• Why compounding investments beat a 6% linear return on debt payoff
• What this means for YOU — whether you have student loans or any other kind of debt

xoxo,
Rachel

Where to find me:
Instagram: @heyrachelcoons

Join me for my free training to learn the 5-step RESET Framework: Register HERE

Most moms think creating a better financial future means budgeting harder or making more money… but what if that’s not actually the problem?

In this episode, I’m walking you through the exact 5-step process that completely changed my relationship with money, and has helped thousands of moms move from stress and anxiety to feeling safe, confident, and in control.

After years of living paycheck to paycheck (even once we were making six figures), I realized the real issue wasn’t the numbers… it was my identity, my beliefs, and my relationship with money.

Inside this episode, you’ll learn how to:

• Let go of the past money stories that are keeping you stuck
• Get crystal clear on what your future with money actually looks and feels like
• Set powerful intentions that align with who you want to become
• Identify and rewire the subconscious beliefs sabotaging your progress
• Take aligned action that finally creates lasting change

This isn’t about more discipline or willpower. It’s about becoming the version of you who naturally creates a peaceful, confident financial life.

If you’ve ever felt like no matter how much you make, you still feel stressed about money… this episode is for you.

🎧 Ready to go deeper? I also share how you can join my free training where I walk you through my full reset framework and help you start rewiring your money beliefs right now.

CLICK HERE for my FREE training

xoxo,
Rachel

Where to find me:
Instagram: @heyrachelcoons

Join me for my free training to learn the 5-step RESET Framework: Register HERE

You’d think making six figures would finally make you feel secure with money… but what if it doesn’t?

In this episode, I’m breaking down why more income isn’t actually the solution to feeling stressed, anxious, or “bad” with money... and why so many women are still struggling, even at higher income levels. I’m sharing the “leaky bucket” analogy to help you see exactly where your money is slipping away (and why it keeps happening on autopilot).

We’ll talk about the real reasons behind overspending, lifestyle creep, and emotional spending, and how your nervous system, beliefs, and identity are quietly running the show behind the scenes.

Because the truth is: no amount of money will fix a broken relationship with it.

If you’ve ever wondered why your numbers look fine… but it still doesn’t feel good, this episode will connect the dots and show you where to start.

✨ Inside this episode:

• Why more money doesn’t equal more security
• The 5 “holes” draining your finances (without you realizing it)
• How your nervous system and identity shape your money habits
• What actually needs to shift to feel calm, confident, and in control

This is deeper than budgeting. This is about finally feeling safe with your money.

xoxo,
Rachel

Where to find me:
Instagram: @heyrachelcoons

Join me for my free training to learn the 5-step RESET Framework: Register HERE

Today’s episode is a personal update you’ve been asking for.

A few months ago, I shared my experience starting a GLP-1—and since then, my DMs have been full of questions about what’s changed, what I’m still doing, and how I’m feeling now.

In this episode, I’m giving you an honest, real-life update on my peptide journey, where I’m at today, why I chose to continue, and the biggest differences I’ve experienced over time.

We talk about:

• Why I’m still microdosing tirzepatide
• The unexpected benefits beyond weight loss
• The additional peptides I’ve added (and why)
• What I’ve learned about energy, sleep, and muscle growth
• Common side effects (like hair loss) and what might actually be causing them
• Why this isn’t a “magic fix” and what still matters most

This is not medical advice... just my personal experience and what’s been working for me.

If you’ve been curious about GLP-1s, peptides, or just wanted a real update from my journey, this episode is for you.

And if you still have questions, send me a message on Instagram. I’m always happy to share what I can.

Check out my full GLP-1 story here:
Episode 72

xoxo,
Rachel

Where to find me:
Instagram: @heyrachelcoons

Join me for my free training to learn the 5-step RESET Framework: Register HERE

If you’ve ever felt like you’re making money… but it just disappears, this episode is going to click.

In this conversation with NLP trainer Megan, we break down:

• Why money comes in and goes right back out
• The subconscious patterns running your financial decisions
• How your beliefs about money were formed (and how to shift them)
• A powerful “money = water” metaphor that will completely change how you think about budgeting

This episode will help you stop blaming yourself and start understanding what’s actually going on beneath the surface.

Because when you create safety with money… everything starts to change.

If you loved this episode, register for my free masterclass happening soon: www.heyrachelcoons.com/moneyreset

Catch Megan's "Metaphor to Millions" training HERE

xoxo,
Rachel

Where to find me:
Instagram: @heyrachelcoons

Join me for my free training to learn the 5-step RESET Framework: Register HERE

Have you ever looked at your bank account and thought… “Why do I still feel broke?”

The bills are paid. Your income might even be decent. But somehow, money still feels stressful, tight, and like it’s constantly slipping through your fingers.

In this episode of the Money Mom Podcast, I’m breaking down why you can have money and still feel broke—and what’s actually going on beneath the surface.

Because here’s the truth most financial advice won’t tell you:
👉 It’s not just about how much money you make.
👉 It’s about how safe you feel with the money you already have.

Inside this episode, we’re diving into:

• Why making more money doesn’t fix financial stress
• The hidden reason your money keeps “disappearing”
• How emotional spending is quietly keeping you stuck
• The difference between reactive vs. intentional spending
• How to stop feeling broke—even before your income changes

If you’ve ever found yourself:

• Overspending on Amazon, Target, or takeout
• Wondering where your money went at the end of the month
• Feeling guilty, stressed, or anxious about money
• Or stuck in a cycle of “I just need to make more money…”

This episode will completely shift how you see your finances.

Because the goal isn’t just more money…
It’s creating a calm, confident, and intentional relationship with money.

And that starts today.

If this episode resonated with you, make sure to subscribe and share it with a friend who needs to hear this.

And if you’re ready to feel more in control of your money (without restriction or overwhelm), register for my free LIVE training next week! 💛
JOIN US HERE

Keywords: budgeting for moms, why do I feel broke, emotional spending, money mindset, financial stress, grocery budgeting, intentional spending, stop overspending, personal finance for moms, money habits, scarcity vs abundance

xoxo,
Rachel

Where to find me:
Instagram: @heyrachelcoons

Join me for my free training to learn the 5-step RESET Framework: Register HERE

In today’s episode, I’m doing something a little different. I’m sitting down with Jenna for a real, unfiltered coaching conversation about the money struggles so many women face but don’t always talk about out loud.

We talk about how to budget without feeling restricted, what to do when unexpected expenses hit, and why money stress is often about so much more than the numbers. This conversation gets into the real emotions behind spending, debt payoff, fear, freedom, family, and learning how to trust yourself with money.

If you’ve ever felt like you know what to do with your money but still struggle to actually feel calm and confident doing it, this episode is for you.

Jenna's podcast: How One Mom Paid off $42,000 of Debt in Just 12 Months!

xoxo,
Rachel

Where to find me:
Instagram: @heyrachelcoons

Join me for my free training to learn the 5-step RESET Framework: Register HERE

🎉 Episode 100 of The Money Mom Podcast! 🎉
Today’s episode is extra special because we’re celebrating our 100th episode with a real-life Money Mom Club member story—one that so many moms are going to see themselves in.

I’m joined by Stephanie Griffin, a mom of two (including a teen boy + a college kid!) who moved from the East Coast to California and found herself overwhelmed by the cost of living, inflation, and the never-ending “feed everyone all day” cycle—especially after COVID hit.

In this conversation, Stephanie shares:

• How she went from burned out + stressed about food/groceries to feeling organized and confident again
• The mindset shift from “I never have enough” (even when the pantry is full) to a calmer, more abundant relationship with money
• Why grocery delivery (yes, even if it costs money!) became a time-freedom game changer
• How Shop the Shelf challenges helped her actually use what she already had and waste less (“cash in the trash” 😅)
• The ripple effect this had on her family—more teamwork, less stress, and better money conversations
• And how her language with her kids changed from “we can’t afford that” to “we’re choosing to spend differently right now” (😭 so good)

If you’ve been wondering if change is possible for you—especially if you’re already “good with budgeting” but still feel that underlying money stress—this episode is your reminder: you don’t have to overhaul everything overnight. You just need a starting point… and a simple system that actually works in real mom life.

💛 Want to ask a question or connect? DM me on Instagram or email me—I’m cheering you on.

xoxo,
Rachel

Where to find me:
Instagram: @heyrachelcoons

Join me for my free training to learn the 5-step RESET Framework: Register HERE