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Women's Money Wisdom
Melissa Joy, CFP®
296 episodes
4 days ago
When three dementia diagnoses hit her family at once, Nicole Smith, Author of Diagnosis Dementia, didn’t plan to become an expert—she had no choice. In this episode, Melissa Joy, CFP®, talks with Nicole about navigating the overwhelming realities of caregiving for aging parents while raising kids, maintaining a career, and trying to hold everything together. Nicole shares her personal story of managing care for three parents across multiple states during COVID, the lessons she learned about e...
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All content for Women's Money Wisdom is the property of Melissa Joy, CFP® 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.
When three dementia diagnoses hit her family at once, Nicole Smith, Author of Diagnosis Dementia, didn’t plan to become an expert—she had no choice. In this episode, Melissa Joy, CFP®, talks with Nicole about navigating the overwhelming realities of caregiving for aging parents while raising kids, maintaining a career, and trying to hold everything together. Nicole shares her personal story of managing care for three parents across multiple states during COVID, the lessons she learned about e...
Show more...
Investing
Education,
Business,
Society & Culture,
How To,
Relationships
Episodes (20/296)
Women's Money Wisdom
Episode 299: Caring Through Crisis: Dementia, Aging, and the Sandwich Generation with Nicole Smith
When three dementia diagnoses hit her family at once, Nicole Smith, Author of Diagnosis Dementia, didn’t plan to become an expert—she had no choice. In this episode, Melissa Joy, CFP®, talks with Nicole about navigating the overwhelming realities of caregiving for aging parents while raising kids, maintaining a career, and trying to hold everything together. Nicole shares her personal story of managing care for three parents across multiple states during COVID, the lessons she learned about e...
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4 days ago
29 minutes

Women's Money Wisdom
Episode 298: The Rising Cost of Healthcare - What You Need to Know for 2025 with Cole Craven
If you’ve been hearing more talk about health insurance costs lately — you’re not alone. From higher renewal premiums to open enrollment decisions, healthcare has become one of the biggest line items in many household budgets. In this episode, Melissa Joy, CFP®, talks with Cole Craven, co-founder of Move Health, about what’s really happening with health insurance in 2025 and how to make confident decisions for your family or your retirement. Cole works closely with financial planners to help ...
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1 week ago
49 minutes

Women's Money Wisdom
Episode 297: Preparing the Next Generation for Financial Success with Philip Barrar
What if you could give your kids a real head start—not just for college, but for life? Melissa Joy, CFP®, sits down with fintech founder Philip Barrar to talk about building generational wealth the modern way—through financial literacy, access, and the right tools. Philip shares how his company, Future Money, is helping families create a foundation for financial security—no trust fund required. From innovative accounts like the Junior Roth IRA™ (a 529-to-Roth pathway) to new “Trump Accounts”...
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2 weeks ago
34 minutes

Women's Money Wisdom
Episode 296: Feel-Good Finance: Healing Your Relationship with Money With Aja Evans, LMHC
What if your money mindset mattered as much as your money habits? 💭 This week, Melissa sits down with Aja Evans, licensed mental health professional, president of the Financial Therapy Association, and author of Feel Good Finance, to explore how emotions, upbringing, and self-worth shape the way we earn, spend, and save. Together, they unpack how to identify your money story, recognize emotional spending triggers, and find balance between saving, spending, and satisfaction. From “Target trips...
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3 weeks ago
34 minutes

Women's Money Wisdom
Episode 295: Money, Marriage & Fairness: Building an Unstoppable Financial Team with Heather & Douglas Boneparth
What happens when money dynamics shift inside a relationship—and how do couples find fairness when life, careers, and income change? In this episode, Melissa Joy, CFP® sits down with Heather and Douglas Boneparth, the powerhouse couple behind Money Together: How to Find Fairness in Your Relationship and Become an Unstoppable Financial Team. Heather, a former corporate lawyer, and Douglas, founder of Bonafide Wealth in New York City, open up about how their own experiences as partners, parents...
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1 month ago
38 minutes

Women's Money Wisdom
Episode 294: How to Pay for College—Without the Panic with Shellee Howard
How do you help your kids get into the right college—without sacrificing your financial future? Melissa Joy, CFP®, sits down with Shellee Howard, Founder and CEO of College Ready, to talk about smart, stress-free strategies for college admissions and funding. A certified college admissions strategist, Shellee turned her own experience guiding four very different kids through the college process into a mission: helping families nationwide find the best academic, social, and financial fi...
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1 month ago
36 minutes

Women's Money Wisdom
Episode 293: Women, Wealth & Worth: Closing the Gaps with Bryn Conway
What if knowing your worth became the engine of your wealth? Strategist and former credit-union executive Bryn Conway joins Melissa Joy, CFP® for a candid, practical conversation about women, wealth, and worth—why the gaps persist and how to close them with informed choices, confident negotiation, and everyday money moves. Bryn breaks down the landscape—pay, advancement, earnings, and wealth—and how culture, career paths, and compensation structures (including equity) shape outcomes. She shar...
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1 month ago
40 minutes

Women's Money Wisdom
Episode: 292: Financial Caregiving 101 with Journalist & Author Beth Pinsker
What if planning now could be the greatest act of care? Journalist and MarketWatch columnist Beth Pinsker joins Melissa Joy, CFP® for a compassionate, practical conversation on financial caregiving—the real work we do for the people we love (and our future selves). Beth opens up about the whirlwind that followed her mom’s surgery: hospital stays, paperwork marathons, and a long-term care scare that nearly derailed benefits. Through her new book, My Mother’s Money: A Guide to Financial Caregiv...
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1 month ago
33 minutes

Women's Money Wisdom
Episode 291: 7 Smart Money Moves to Make This Fall
Fall isn’t just for cider mills, football games, and cozy sweaters—it’s also the perfect season to reset your financial life. In this solo episode, Melissa Joy shares seven practical tips to help you take advantage of seasonal opportunities and set yourself up for success before the year ends. From open enrollment decisions and maximizing workplace benefits to planning for holiday spending, reviewing your investments, and checking in on your estate plan—Melissa walks through the steps t...
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2 months ago
20 minutes

Women's Money Wisdom
Episode 290: Facing Fear With: Honesty, Options and Decisions with Dr. Rubina Tahir
What if fear could become the framework for your strength? Chiropractor, business owner, and TEDx speaker Dr. Rubina Tahir joins Melissa Joy, CFP® for an inspiring and deeply personal conversation on navigating fear, health, and money with courage and clarity. Rubina shares her journey as a BRCA1 carrier, her shocking breast cancer diagnosis just weeks before delivering her TEDx talk, and how she built a practical framework—Honesty, Options, Decisions—to move from paralysis to empowerment. Al...
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2 months ago
36 minutes

Women's Money Wisdom
Episode 289: Your Money Has Feelings: Healing “Financial Scar Tissue” with Shannon Ryan, CFP®
What if your biggest money challenges aren’t about math at all—but about the feelings and “financial scar tissue” you’ve been carrying for years? In this episode of Women’s Money Wisdom, Melissa Joy, CFP®, welcomes fellow advisor and author Shannon Ryan, CFP®, to talk about her new book Your Money Has Feelings. Together, they explore why money is so deeply emotional, how early experiences shape lifelong financial habits, and what it takes to align money with what really matters. In this conve...
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2 months ago
33 minutes

Women's Money Wisdom
Episode 288: The Psychology of Money: Why We Overspend, Undersave, and Avoid Financial Decisions
Why do so many of us struggle to follow through on the money habits we know are important? In this episode, Melissa Joy, CFP®, explores the psychology behind three common money behaviors: Overspending – from emotional triggers to lifestyle creep and comparison cultureUndersaving – how present bias and scarcity mindset can sabotage long-term planningFreezing – the shame and avoidance that keep us from making financial decisions at allMelissa shares relatable examples and practical strategies t...
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2 months ago
24 minutes

Women's Money Wisdom
Episode 287: Gen X High Achievers & Redefining Retirement with Joy Levin
Gen X may be the “forgotten generation,” but they’re shaping retirement in powerful new ways. Melissa Joy, CFP®, sits down with retirement coach Joy Levin, founder of GenX Encore, to explore how high-achieving Gen X professionals can prepare for what’s next. With longer lifespans, fewer pensions, and careers built on resilience, Gen Xers are facing retirement unlike any generation before. Joy shares her research and coaching insights on navigating the identity shifts, social transitions, and ...
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2 months ago
29 minutes

Women's Money Wisdom
Episode 286: Planning for an Early Retirement
Do you already know the date of your retirement—or are you simply dreaming of leaving the workforce sooner than 65? In this replay of one of our most popular Women’s Money Wisdom episodes, Melissa Joy, CFP®, explores what it takes to prepare for early retirement. She explains why it’s not just about having a date on the calendar, but also about creating flexibility in your plan in case life throws you a curveball. You’ll learn: Who should consider planning for early retirement—even if you thi...
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3 months ago
25 minutes

Women's Money Wisdom
Episode 285: Your Money Questions, Answered: Roths, Dave Ramsey, Emergency Funds & More
What do Roth accounts, Dave Ramsey, and emergency funds have in common? They all came up when Melissa Joy, CFP®, opened the floor to your questions. At the Dexter Summer Festival, Melissa asked community members to submit their burning money questions—and now she’s answering them in this special mailbag episode. From investment strategies to budgeting hacks, she covers the practical, the personal, and the myths worth busting. 💡 Topics Covered: Roth IRA vs. Roth 401(k)—which makes more sense f...
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3 months ago
22 minutes

Women's Money Wisdom
Episode 284: Roth IRAs & 401(k)s: The Tax-Free Growth Strategy You Might Be Overlooking
Is the Roth the secret weapon of retirement planning? Melissa Joy breaks down everything you really need to know about Roth IRAs and Roth 401(k)s—from how they work and who they’re best for, to why they’ve become a powerful tool for long-term financial freedom. Whether you're early in your career or already eyeing retirement, understanding the pros and cons of Roth accounts can help you make smarter tax decisions and build wealth that grows—and comes out—tax-free. Melissa covers: ✅ Roth vs. T...
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3 months ago
22 minutes

Women's Money Wisdom
Episode 283: Rethinking Retirement: The Emotional, Purpose-Driven Side of Life After Work with Dan Haylett
What if the hardest part of retirement isn’t financial—but emotional? Retirement isn’t the goalpost we’ve been taught to chase. It’s a major life transition, and according to retirement researcher and financial planner Dan Haylett, many people arrive unprepared—not because the math is wrong, but because they never planned for what comes next. Melissa Joy, CFP® sits down with Dan—author of The Retirement You Didn’t See Coming and host of the Humans vs Retirement podcast—to explore the emotiona...
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3 months ago
38 minutes

Women's Money Wisdom
Episode 282: How to Face Your Finances and Build a Life That Works with Michelle Campbell
What if your biggest financial setbacks were actually the foundation for your comeback? Tax professional and financial literacy advocate Michelle Campbell joins Melissa Joy, CFP® for a powerful conversation on shame-free money management, taking control of your financial future, and rising from the ashes—literally. Michelle shares her journey from five evictions and over $500K in debt to becoming an IRS-enrolled agent, nonprofit founder (Hashtag Stability), and author of the memoir Bluebird. ...
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4 months ago
37 minutes

Women's Money Wisdom
Episode 281: Slow Summer for Great Vibes and Money Outcomes
Summer often invites us to pack in travel, events, and to-do lists—but what if the most powerful move you could make right now is to slow down? In this solo episode, Melissa Joy, CFP®, reflects on her own slower-paced Michigan summer and the meaningful lessons it’s brought—about happiness, well-being, money, and the beauty of doing less with more intention. Drawing inspiration from the slow living and slow money movements, Melissa shares personal stories, client experiences, and practical ide...
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4 months ago
21 minutes

Women's Money Wisdom
Episode 280: One Big, Beautiful Bill: What the OB3 Tax Law Means for Your Money
In this special solo episode, Melissa Joy, CFP®, CDFA, breaks down the newly passed One Big, Beautiful Bill Act—yes, that’s really the name! Signed into law on July 4th, this sweeping piece of legislation (affectionately nicknamed “OB3”) will impact everything from your tax brackets to your charitable deductions, and much more in between. Whether you’re a retiree, parent, small business owner, or high earner, Melissa walks through what’s changing, what’s staying, and what you need...
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4 months ago
39 minutes

Women's Money Wisdom
When three dementia diagnoses hit her family at once, Nicole Smith, Author of Diagnosis Dementia, didn’t plan to become an expert—she had no choice. In this episode, Melissa Joy, CFP®, talks with Nicole about navigating the overwhelming realities of caregiving for aging parents while raising kids, maintaining a career, and trying to hold everything together. Nicole shares her personal story of managing care for three parents across multiple states during COVID, the lessons she learned about e...