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Financial Security is the New Black
Diamond Towns
74 episodes
3 days ago
Are you ready to build financial security? Join your host, Diamond Towns, for conversations centered around financial wellness and money management. Each episode is a deep dive into core growth strategies — the art of budgeting, the science of saving, tackling debt head-on, and crafting strategies for future investments— shining a light on those often overlooked conversations. Tune in for a candid, at times unfiltered, yet always empowering perspective on money and finances.
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Education
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All content for Financial Security is the New Black is the property of Diamond Towns and is served directly from their servers with no modification, redirects, or rehosting. The podcast is not affiliated with or endorsed by Podjoint in any way.
Are you ready to build financial security? Join your host, Diamond Towns, for conversations centered around financial wellness and money management. Each episode is a deep dive into core growth strategies — the art of budgeting, the science of saving, tackling debt head-on, and crafting strategies for future investments— shining a light on those often overlooked conversations. Tune in for a candid, at times unfiltered, yet always empowering perspective on money and finances.
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Education
Episodes (20/74)
Financial Security is the New Black
I Make Good Money… So Why Do I Still Feel Unstable?

This episode is about the quiet kind of financial stress that smart, high-performing people carry without telling anyone. The kind that says, “I’m not irresponsible or broke so why do I still feel like one unexpected expense could throw everything off?”

In this conversation, I get real about the moment I realized the problem wasn’t how much I earned but how I was managing it. That even as my income increased, I was still making money decisions from exhaustion instead of intention.

We talk about:

  • Why “making good money” doesn’t automatically lead to feeling secure

  • The difference between reacting to money and directing it

  • How high-achievers quietly normalize financial anxiety

  • Why lack of structure (not lack of discipline) is often the real barrier

  • And what shifts the moment you start leading your money instead of hoping for the best

This is not a step-by-step episode. This is the awareness conversation that may sting a little because it’s true.


If this landed and you’re ready to stop carrying the weight of “I should be further along by now,” I’m hosting a Zero-Based Budget Bootcamp designed for people exactly like you — high performers who are done managing their money on vibes and want a monthly system that feels supportive, not restrictive.

Click here for more details


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5 days ago
21 minutes 13 seconds

Financial Security is the New Black
Redefining Sacrifice: The Version I Didn’t See Coming

I always thought sacrifice had to look dramatic — big cuts, strict rules, something Instagram-worthy. But the truth? Most of the sacrifices that changed my life were small, unglamorous, and deeply personal.
In this episode, I’m unpacking how sacrifice feels different at 30 than it did at 22, and why it’s become less about lack and more about alignment.


Security First™, is for people who are serious about becoming work-optional and ready to start checking the boxes that actually get them there.

We’ll put a money system in place that helps you save strategically, knock out high-interest debt, and invest with intention so you can build real financial security and move closer to work-optional lifestyle in the next few years.

👉🏾 ⁠⁠Click here⁠⁠ to learn more

🎧 ⁠⁠Subscribe to the podcast⁠⁠

📲 ⁠⁠Connect with me on Instagram⁠⁠

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2 weeks ago
25 minutes 31 seconds

Financial Security is the New Black
How to Budget When Your Income Isn’t Consistent

If your paycheck changes every month, budgeting can feel pointless, but it’s actually where you need the most structure. In this episode, I’m breaking down how I used to stress every time a client payment hit late… and how I finally built a flexible money system that still keeps me grounded when my income dips or spikes. We’re talking baselines, buffers, and the mindset shift that makes it all click.


It’s time to shift from just earning to actually building security.

My 1:1 coaching program, Security First™, helps you build the kind of money system that makes your income work for you—not just flow through your hands. Together, we’ll refine your strategy, prioritize financial security, and set up the systems that realign your spending, grow your savings, tackle debt, and make investing feel doable.

The goal? To make sure your money supports your long-term peace and goals month after month.

⁠⁠⁠⁠⁠⁠⁠⁠⁠Click here⁠⁠⁠⁠⁠⁠ to learn more about 1:1 coaching

⁠Subscribe to the podcast⁠ so you never miss an episode

⁠Stay connected with me on Instagram ⁠⁠⁠⁠⁠

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3 weeks ago
21 minutes 31 seconds

Financial Security is the New Black
3 Tweaks That Changed How I Budget

In this episode, I’m breaking down three ways to enhance your budget not by cutting more or tracking harder, but by shifting how you think about your money.

These are the exact tweaks that helped me go from just budgeting to actually building financial security: giving every dollar direction, setting a real savings rate goal, and understanding the story your spending is telling you.


⁠⁠⁠⁠⁠⁠⁠⁠⁠Click here⁠⁠⁠⁠⁠⁠ to learn more about 1:1 coaching

⁠Subscribe to the podcast⁠ so you never miss an episode

⁠Stay connected with me on Instagram ⁠⁠⁠⁠⁠


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1 month ago
38 minutes 16 seconds

Financial Security is the New Black
These 3 Thoughts Are Quietly Keeping You Broke

I’m reflecting on the beliefs that shaped my relationship with money and how letting them go changed everything.


My 1:1 coaching program, Security First™, is for people who are serious about becoming work-optional and ready to start checking the boxes that actually get them there.

We’ll put a money system in place that helps you save strategically, knock out high-interest debt, and invest with intention so you can build real financial security and move closer to work-optional lifestyle in the next few years.

👉🏾 ⁠⁠Click here⁠⁠ to learn more about 1:1 coaching

🎧 ⁠⁠Subscribe to the podcast⁠⁠

📲 ⁠⁠Connect with me on Instagram⁠⁠


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1 month ago
27 minutes 55 seconds

Financial Security is the New Black
Expecting More Money? Here’s What to Do FIRST

Getting more money is only half the game. I’m sharing the mindset and money systems that make sure your next raise, refund, or side hustle payout actually builds your financial security instead of just disappearing into lifestyle creep.


My 1:1 coaching program, Security First™, is for people who are serious about becoming work-optional and ready to start checking the boxes that actually get them there.

We’ll put a money system in place that helps you save strategically, knock out high-interest debt, and invest with intention so you can build real financial security and move closer to work-optional lifestyle in the next few years.

👉🏾 ⁠Click here⁠ to learn more about 1:1 coaching
🎧 ⁠Subscribe to the podcast⁠
📲 ⁠Connect with me on Instagram⁠


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1 month ago
23 minutes 20 seconds

Financial Security is the New Black
Financial Security Redefined: From “How Much” to “How It Flows”

🔗 Apply for Security First™ Coaching: moneycoachdiamond.com/securityfirst


If you’ve been obsessing over “the number” you think will finally make you safe, this episode is your reset.

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2 months ago
21 minutes 22 seconds

Financial Security is the New Black
4 Reasons You’re Struggling to Save Money

If saving money feels harder than it should, you’re not alone. In this episode, I break down the four real reasons most people can’t seem to get ahead with their savings—and what you can do to change it. We’ll talk about the mindset shifts, habits, and systems that actually move the needle, so you can stop spinning your wheels and finally start building security.


Want personalized support? My 1:1 coaching spots are open—Apply here


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2 months ago
28 minutes 10 seconds

Financial Security is the New Black
The Silent Money Leaks You’re Not Clocking (this one might sting a little)

You’re not “broke” in the way people think. But these 5 habits? They’re putting you in the "broke" bucket without you realizing it. From interest piling up to convenience eating your paycheck, these silent money drains are keeping you stuck. Let’s call them out and course correct—with fixes that don’t involve giving up everything you love.


⁠💸 Click here⁠ to learn more about working with Diamond🎧 ⁠Subscribe to the podcast⁠ so you never miss an episode📲 ⁠Come hang with me on Instagram⁠

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3 months ago
29 minutes

Financial Security is the New Black
How My “Smart” Tax Strategy Almost Blocked Me from Investing in Real Estate

If you’re a business owner, freelancer, or anyone with non-traditional income, you’ve probably heard this before: “Write off as much as you can to save on taxes.” I followed that advice too… until I tried to buy my first investment property and hit a wall.

In this episode, I’m sharing the lesson I learned the hard way about tax write-offs, loans, and why “winning the tax game” can backfire when you’re trying to build wealth through real estate.

We’ll talk about:

  • How too many write-offs can make it look like you’re broke (even when you’re not)

  • Why banks don’t care how much you saved on taxes — they care about your reported income

  • How to align your money strategy with your long-term goals, not just what sounds good on TikTok

  • The importance of filtering financial advice through your situation, especially as a non-traditional earner

If you’re thinking about investing in real estate or building long-term wealth, you need to hear this because no one’s talking about how this stuff really works behind the scenes.


👉🏾 ⁠Click here⁠ to learn more about working with Diamond🎧 ⁠Subscribe to the podcast⁠ so you never miss an episode📲 ⁠Come hang with me on Instagram⁠



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3 months ago
27 minutes 20 seconds

Financial Security is the New Black
If You Can’t Seem to Keep Money in Savings, Listen to This

Ever transfer money to savings and then... end up pulling it right back out? Well, you’re not alone and you’re not “bad with money”

In this episode, I’m breaking down 3 reasons you can’t seem to stop spending the money you meant for savings — and none of them are about willpower. We’ll get into:

    • Why “just save it and forget it” doesn’t work when you’re still living close to the edge
    • How lack of structure makes your savings feel like a personal ATM

    • Why your savings plan isn’t sustainable if it’s not aligned with your real-life expenses

    If you’re tired of the back-and-forth between your checking and savings account, this convo will help you get to the root of why it keeps happening and what to change so you can actually build that cushion.


    Click here⁠⁠⁠⁠⁠⁠ to learn more about working with Diamond

    ⁠Subscribe to the podcast⁠ so you never miss an episode

    ⁠Stay connected with me on Instagram ⁠⁠⁠⁠⁠

    Show more...
    3 months ago
    40 minutes 4 seconds

    Financial Security is the New Black
    Tracking Your Spending Ain’t a Plan, Sis

    We need to talk about the difference between tracking your money and strategically managing it.

    If you’re in a season of building financial security (trying to break the paycheck-to-paycheck cycle or stop using credit cards to float basic expenses) just “keeping tabs” on your spending isn’t going to cut it.

    In this episode, we’re unpacking:

  • - Why tracking is reactive and strategy is proactive

  • - The mistake of copying financially secure people’s habits without their foundation

  • - How your money management approach needs to match your current season

  • - What it really looks like to give your dollars direction and build security


  • If you’re tired of “paying attention” to your spending but still feeling stuck, this is your gut check. You don’t need to track harder -- you need a plan that meets you where you are.


    Click here⁠⁠⁠⁠⁠⁠ to learn more about working with Diamond

    ⁠Subscribe to the podcast⁠ so you never miss an episode

    ⁠Stay connected with me on Instagram ⁠⁠⁠⁠⁠

    Show more...
    3 months ago
    30 minutes 40 seconds

    Financial Security is the New Black
    One of the Biggest Financial Mistakes You Can Make

    You say you want financial security… but keep hesitating to move your feet. In this episode, I’m breaking down one of the biggest money mistakes I see every day: measuring affordability through the wrong lens.

    If you’ve ever said, “I can’t afford to fix my finances right now,” this is your wake-up call. I’m unpacking the difference between survival spending and security investing, and how wearing the wrong lens of affordability is keeping you stuck no matter how much money you make.

    We’ll talk about:
    - The hidden cost of waiting to take action
    - Why affordability is actually a by-product of clarity
    - How to shift your mindset from expense to ROI
    - The silent toll of “managing” debt and skipping the emergency fund
    - What to do when you feel like you can’t afford to invest in support

    This isn’t about guilt-tripping, it’s about giving you the tools to reframe how you look at your money. Because nothing changes if nothing changes… and your financial security should no longer live in the “nice-to-have” bucket.


    👉🏾 ⁠Click here⁠ to learn more about 1:1 coaching🎧 ⁠Subscribe to the podcast⁠ so you never miss an episode📲 ⁠Come hang with me on Instagram⁠

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    4 months ago
    36 minutes 32 seconds

    Financial Security is the New Black
    5 Savings Questions You’re Too Embarrassed to Ask

    In this episode, I’m answering 5 of the most common questions I get about savings — from how much to save, to where to keep your money, to what to do when you feel like you’re behind. If savings have been sitting on your to-do list for too long, we’re keeping it simple and getting straight to the point. Tap in + take notes.


    My 1:1 coaching program, Security First, is designed to help high earners solopreneurs like you create a money management system that ensures your income is working for you— not just flowing through your hands.

    We’ll work together to refine your strategy, prioritize financial security, and put the right systems in place to control your spending, build savings, tackle debt, and invest with confidence—so your money supports your long-term goals month after month.

    ⁠⁠⁠⁠⁠⁠⁠⁠⁠Click here⁠⁠⁠⁠⁠⁠ to learn more about 1:1 coaching.



    ⁠Subscribe to the podcast⁠ so you never miss an episode.

    ⁠Stay connected with me on Instagram ⁠⁠⁠⁠⁠





    Show more...
    4 months ago
    35 minutes 45 seconds

    Financial Security is the New Black
    My Real-Life Money Cheat Codes

    In this episode, I’m sharing 4 of my favorite cheat codes that help me (and my clients) save smarter, spend more intentionally, and grow wealth on autopilot. These are things I actually do in real life. No fluff, no “skip your latte” energy.

    If you want to start making your money work a little smarter behind the scenes, this one’s a must-listen.


    ✨ P.S. Ready to build a system that works for you (not the other way around)? Link in bio to book a clarity call.

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    4 months ago
    41 minutes 41 seconds

    Financial Security is the New Black
    3 Money Lessons I Coach Every Client Through

    In this episode, I’m breaking down the top 3 money lessons I coach every high-earning client through because truthfully, most of them come to me feeling behind, overwhelmed, and a little unsure.

    If you’ve ever thought:
    → “I should be saving more but I’m not.”
    → “I just need to be more disciplined.”
    → “Once I pay off this debt, I’ll finally be good.”

    …this conversation will shift the way you think about money management.

    We’ll cover:

    1️⃣ Why saving alone isn’t enough and what to do instead
    2️⃣ The real reason you’re inconsistent (hint: it’s not discipline)
    3️⃣ Why obsessing over debt payoff can stall your financial progress

    These mindset and system shifts are what help my clients go from paycheck-to-paycheck energy to finally feeling in control, even at the same income level. If you’re ready to build a financial system that actually supports your goals, this one’s for you.


    DM me “Security” on Instagram @moneycoachdiamond or head to moneycoachdiamond.com to book your next step call. Let's build your financial security together.



    Show more...
    4 months ago
    21 minutes 25 seconds

    Financial Security is the New Black
    3 Emergency Fund Mistakes That’ll Keep You Stuck

    Let’s talk about why your emergency fund still ain’t hitting the way it should. In this episode, I’m breaking down 3 common mistakes I see people making with their savings — and why it’s messing with your financial security more than you think.

    If you’ve ever wondered, “Am I saving enough?” or “Why doesn’t it feel like I’m making progress?” we’re talking real numbers, real strategy, and how to get your emergency fund out of vibes-only mode and into real protection.

    It’s time to stop playing and start building safety that actually sticks.


    My 1:1 coaching program, Security First, is for high earners who are tired of feeling like they should have more to show for it because It’s not just about earning more, it’s about keeping more and building something real with it

    We’ll lock in a money system that helps you save consistently, cut through the debt, and invest with intention — so you can finally build financial security and get closer to that work-optional lifestyle you actually want in the next few years.

    👉🏾 Click here to learn more about 1:1 coaching
    🎧 Subscribe to the podcast so you never miss an episode
    📲 Come hang with me on Instagram

    Show more...
    5 months ago
    21 minutes 14 seconds

    Financial Security is the New Black
    Let’s Talk Financial Security (Like, for Real)

    You make good money, but that secure feeling? Still missing. In this episode, we break down what financial security really looks like—and what it doesn’t. If you’re done relying on vibes and Venmo to get by, and ready to build a system that helps you feel in control, this is the episode for you. Let’s get your money working for your peace, not just your bills.


    ⁠⁠⁠⁠⁠⁠⁠⁠⁠Click here⁠⁠⁠⁠⁠⁠ to learn more about 1:1 coaching

    ⁠Subscribe to the podcast⁠ so you never miss an episode

    ⁠Stay connected with me on Instagram ⁠⁠⁠⁠⁠

    Show more...
    5 months ago
    38 minutes 18 seconds

    Financial Security is the New Black
    How Far Away Is Your Financial Freedom?

    Do you actually know how close (or far) you are from financial freedom? In this episode, we get real about what financial freedom looks like for you -- not your favorite finance influencer. I’ll walk you through the questions you need to ask, the numbers you can’t avoid, and the mindset shift that’ll stop you from moving the goalpost every time you level up. This is the gut-check you didn’t know you needed.


    Do you make good money but still feel financially unstable? It’s time to shift from just earning to building security.

    My 1:1 coaching program, Security First, is designed to help high-earning solopreneurs like you create a money management system that ensures your income is working for you, not just going through the motions.

    We’ll work together to refine your strategy, prioritize financial security, and put the right systems in place to control your spending, build savings, tackle debt, and invest with confidence so your money supports your long-term goals month after month.

    ⁠⁠⁠⁠⁠⁠⁠⁠⁠Click here⁠⁠⁠⁠⁠⁠ to learn more and submit your application.

    ⁠Subscribe to the podcast⁠ so you never miss an episode.

    ⁠Stay connected with me on Instagram ⁠⁠⁠⁠⁠

    Show more...
    5 months ago
    25 minutes 16 seconds

    Financial Security is the New Black
    Are You Building Wealth for Your Kids or Building Their Struggle?

    Generational wealth isn’t just about leaving money behind it’s about leaving better habits, better mindsets, and better systems. In this episode, we’re unpacking how everyday decisions (and indecisions) either set your family up to thrive or keep them hustling for survival. If the goal is to break cycles, not repeat them, it starts with calling out what’s keeping us stuck. Buckle up.


    Do you make good money but still feel financially unstable? It’s time to shift from just earning to building security. My 1:1 coaching program, Security First, is designed to help high-earning solopreneurs like you create a money management system that ensures your income is working for you not just flowing through your hands.

    We’ll work together to refine your strategy, prioritize financial security, and put the right systems in place to control your spending, build savings, tackle debt, and invest with confidence so your money supports your long-term goals month after month.

    ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Click here⁠⁠⁠⁠⁠⁠⁠ to learn more and submit your application


    ⁠⁠Subscribe to the podcast⁠⁠ so you never miss an episode

    ⁠⁠Stay connected with Diamond on Instagram ⁠⁠⁠⁠⁠

    Show more...
    6 months ago
    33 minutes 20 seconds

    Financial Security is the New Black
    Are you ready to build financial security? Join your host, Diamond Towns, for conversations centered around financial wellness and money management. Each episode is a deep dive into core growth strategies — the art of budgeting, the science of saving, tackling debt head-on, and crafting strategies for future investments— shining a light on those often overlooked conversations. Tune in for a candid, at times unfiltered, yet always empowering perspective on money and finances.