Discover the interplay between financial coaching and the unique challenges that come with ADHD as I bare all in a transparent reflection of ADHD Money Talk's journey. Step into the heart of my endeavors where I grapple with balancing the creation of engaging content and the depth of client work, all while evolving my business to meet the diverse f…

Ever feel like Uncle Sam is reaching too deep into your pockets? We've got you covered! On today's lively episode, we're unraveling the complex world of taxes for our ADHD community, tackling a tough question from Yvonne in our ADHD Money Talk Facebook group. She's got a state pension and a 403(b), but no 401(k)—so how can she keep a tight grip on …

In this episode, we dive into the brain's role in financial decision-making, with a special focus on individuals with ADHD. We follow the story of Jordan, who grapples with typical financial decisions, such as whether to make an extra mortgage payment or invest in stocks. Experts like E Sonuga-Barke, G Fairchild, and A Stringaris provide insights i…

Ever wondered how to keep your holiday spending in check while living with ADHD? If so, this heart-to-heart conversation is for you. We're tackling the challenging dance of handling personal finances during the festive season, particularly for those of us with ADHD. This episode promises to provide you with tools to combat the cycle of impulsive sp…

Subscribe to the new and improved newsletter! https://www.adhdmoneytalk.com/ Ready to tackle the chaos of Black Friday shopping with an ADHD twist? Buckle up as we navigate the bustling aisles and virtual carts, unveiling the unique shopping personas you may embody with a sprinkle of ADHD. From the unchecked dopamine chaser, caught up in the frenzy…

Does this sound familiar? Have you been told to simply focus harder or try harder to achieve financial success with your hobbies, only to feel frustrated and overwhelmed? It's time to break free from ineffective actions and the pain of not getting results. Starting an LLC can unlock the power of your ADHD hyperfocus, protect your business, streamli…

In the world of productivity, there's a hidden trap that many fall into. It's a cycle that gives us a false sense of accomplishment, but leaves us feeling empty and unfulfilled. Just when you think you have it all figured out, there's an unexpected twist in the story. A twist that reveals the true nature of your pseudo-productivity habits and chall…

If you're feeling constantly overwhelmed and defeated by your financial situation, despite your best efforts to manage your money, then you are not alone! Many individuals with ADHD struggle to establish effective financial habits, often facing difficulties with budgeting, impulsivity, and organization. Despite your intentions, you may find that yo…

Do you want to break free from the grip of perfectionism and finally take control of your finances? Are you tired of feeling overwhelmed and frustrated by the constant pursuit of flawlessness in your budgeting? I have the solution that will help you develop healthier financial habits and achieve the financial empowerment you desire. By overcoming p…

Do you ever feel overwhelmed when managing your business and personal finances? Well, you're not the only one. This ADHD Money Talk episode is specifically designed to provide actionable tips and strategies for those who are self-employed or work as 1099 contractors. We'll guide you through the process of separating your business and personal finan…

Have you ever imagined what it would be like to have a personal assistant that transcribes your thoughts, keeping track of the tiniest tasks that your memory can't hold onto? As someone living with ADHD, this isn't just a passing thought for me, but a constant reality. Join me as we navigate the intricate maze of ADHD, IQ, and working memory, and h…

Are you ready to revolutionize your note-taking system? Discover the power of productivity apps specifically tailored for those of us with ADHD. We're taking a deep look at how I obsessively hyper-focused on productivity apps and completely transformed my approach to note-taking. We're exploring everything 'Mem', 'Obsidian', 'Akiflow', 'Asana', and…

Are your summer expenses spiraling out of control? Have no fear, because in this episode, I share my struggles with balancing summer expenses and the unexpected surprises that often come with the season. You'll learn how I'm coping with these financial challenges and stay ready for life's curveballs. I also dive into the importance of developing fi…

In this episode, we dive into the features and benefits of Monarch Money, an incredible budgeting app that has gained popularity over the past three years. David shares his personal experience with the app and highlights why it stands out from other budgeting tools. From effortless budgeting to intuitive design and gamification elements, Monarch Mo…

Listener Louise writes: "I'm very good at saving. I love watching my savings balance grow and have gamified this process in many different ways to make it interesting and exciting. The problem is that impulse spending kicks in with whatever I'm into at that moment, and suddenly all my savings are gone. How I can stop this happening?" This problem i…

Are you someone with ADHD who's struggling to get a handle on your finances? Well, you're not alone. Many people with ADHD find it challenging to manage their finances, leading to financial stress and anxiety. But fear not! There is a way out of this financial mess, which could start with making sacrifices. The Challenge: Make One BIG Sacrifice I w…

Listener Rebecca has transformed from being an impulsive spender to now hyper-fixating on saving and investing. In today's episode, we discuss the potential struggles with money vigilance and how being close to the financial world can make personal financial decisions harder. We also explore the decision-making process for buying a car while saving…

Money does not have to lead us to this life of dependence and scarcity. We were just taught wrong. We weren't taught how money really works. No class in high school shows us how to become wealthy and financially free. Listen in to hear: We were never taught how money really works The biggest difference between the poor and the wealthy Right mindset…

A listener asked me this question, "What does one do if, after adding up fixed expenses, there is no money leftover and nothing to cut back on?" Listen in as we assess the situation and I help address: Viewing Wants as Needs Food Prices increased 17% Reducing credit card interest rates Consolidating debt Cutting the Cord and Streaming instead Makin…

Continually eating out hampers our ability to build our financial future. How do you avoid reaching for your phone and ordering from food delivery services like DoorDash, and GrubHub when it brings so much fulfillment and joy? Ways to Get Your Food Spending Under Control Create a spending journal to track the frequency and total dollar amount you s…

Are your weekends and weeknights spent devouring freshly prepared delights brought to you by your local food delivery services like DoorDash, GrubHub, or Uber Eats? Services like this are attractive to those of us with ADHD because it is a quick, easy decision and eliminates having to prepare a meal. The downside, of course, is the cost of these se…

As we begin looking ahead into the new year and what we want for our financial goals, it is important that you also reflect on how you did last year to ensure you do not repeat any undesirable spending behavior. Your order of operations Here is a quick recap of what your order of operations should be for 2023: Establish an emergency fund to cover, …

The term happiness comes from the Old Norse term “happ,” meaning “luck” or “chance.” In the context of the Declaration of Independence, happiness was about an individual’s contribution to society rather than pursuits of self-gratification. Joy is a quality of the Soul. It is magnificent, divine, confirming, and otherworldly. Joy lives naturally and…

Christmas shopping isn’t the only important item on your end-of-the-year list of things to do. There are several financial items you should also check to set yourself up for a great 2023 and potentially save money on taxes this year and get a bigger refund. Top Ten End-Of-Year Financial Checklist 1. Make sure you have not been paying too little tax…

I was blessed and excited to be a guest on Eric Tivers’ ADHD Rewired podcast. In this episode, we discuss: The shame we can feel around our finances How to use our values to help guide our financial planning How to get past the mental clutter when facing our finances Ways to stay consistent with financial management You’ll also hear some strategies…

Lifestyle creep, or lifestyle inflation, is a real issue that can affect anyone - especially those of us with ADHD. When our income goes up, it's natural to want to spend more and enjoy life more. But if we're not careful, we can end up in a situation where we're making more money but have less saved. This can be a real problem when we hit a financ…

Greed and selfishness are often seen as negative character traits, but what if they're actually symptoms of a bigger issue? In this episode, we'll explore the three differences between people with and without ADHD when it comes to greed and selfishness. We'll also outline a system that was used to get control, understanding, and change. Why is it i…

You've spent six months repairing your financial situation. You are completely out of debt. But now you are tired prone to a slip-up. Your credit cards with zero balances are staring at you begging to be used. This is the most important time of your journey, and when you may be the most vulnerable! This episode originally aired March 21, 2022. Want…

In this final episode of the budgeting workshop, we will complete the remaining steps to implement your budget, allowing you to concentrate on being intentional with your spending. If you just joined us and would like to start the series from the beginning, here is a quick recap of the episodes: Ep. 40, Part 1 Income and Fixed Expenses Ep. 41, Part…

When you have ADHD, you must be mindful about setting goals to stay motivated and on track. Identify the goal Write out the purpose of the goal and why it is important Decide on one action step or small task you can do today that would bring you closer to your goal The ‘Financial Order of Operations’ is one method to help break down the process of …

Identifying your financial purpose when setting up a budget allows us to maintain our focus on the process and our motivation moving forward. I've created and shared two documents for you to use as you follow this series. The first is a spreadsheet on the reversed budget methodology, which you can find the link under the resource links at the botto…

ADHDers like organization and structure, so they get excited about setting up a budget. However, following the method over the long term rarely works if we don't spend the extra time setting up an automated system to keep us going when we don't feel like following the process. I've created and shared a spreadsheet on the reversed budget methodology…

Establishing a budget doesn't need to be an uncomfortable experience. Once the basic elements are in place and you become familiar with the process, you'll be pleasantly surprised at how easy it will be to manage money. I've created a spreadsheet on the reversed budget methodology, which you can find under the resource links at the bottom of the pa…

As a CFP financial planner, the most rewarding part of my job is comprehensive financial planning helping my clients get their estate in order, investing, and tax planning. My passion is to help people understand the joy that comes with the feeling of power in controlling your money. Most of the people that come to me are at a point where first, we…

Getting your money right helps in many ways because money touches so many aspects of our lives. Nothing has ever existed that has created more wealth or has been more influential in the transformation of families and people over time than the stock market. If you’re an investor, you’ve more than likely noticed how volatile the stock markets have be…

President Biden announced a plan on August 24, 2022, to forgive student loan debt through the end of December 2022, with payments resuming in January 2023. To be eligible for the $10,000 debt cancellation, your annual income must have fallen below $125,000 (for individuals) or $250,000 (for married couples or heads of households) If you received a …

Stability and organization are two words that best describe an ideal world for the ADHD brain. What happens, then, when someone with ADHD has a variable income? There’s no guarantee of stability, and it’s difficult to organize your expenses when you don’t have a fixed income. Creating a Repeatable Structure Establish a budget with a repeatable stru…

As a CFP®, I’m often asked about my services - and what makes me different from others who provide financial coaching or advice. To begin, the term financial planner encompasses a pretty broad area. For example, some advisors: Work like an insurance company and sell insurance on commission Fee-based by selling other investment products like annuiti…

Some call it their 'Life Happens Fund,' others their 'Emergency Fund.' Whatever you call yours, make sure you have one. But then you might want to take that thought one step further. I'm about to tell you why. My Dog Willow Recently Willow, my Bearded Collie, became very sick to the point where she needed to be hospitalized. Anyone who has gone thr…

Shell Mendelson has more than 30 years of experience in the field of Career Counseling, and has ADHD herself. She knows it can be difficult to find a job you like, let alone a career you love. In this interview, Shell shares ways to identify fulfilling work, why it’s important to have passion in what you do, and why she doesn’t recommend disclosing…

The final segment of our three-part series, we'll wrap up our discussion with Dr. Russell Ramsay, co-founder and co-director of the University of Pennsylvania's adult ADHD treatment and research program and associate professor of clinical psychology in the department of psychiatry at the Perelman School of Medicine. We all know we should do things …

The second of our three-part series with Dr. J. Russell Ramsay, co-founder and co-director of the University of Pennsylvania's adult ADHD treatment and research program and associate professor of clinical psychology in the department of psychiatry at the Perelman School of Medicine. Externalized Tricks to Control Spending One of the most common con…

ADHD is more complex than just a summarized diagnosis in a diagnostic manual. There are many accumulated small behaviors physicians don't always identify that remain untreated. In the first of this three-part series, we speak with Dr. J. Russell Ramsay, co-founder and co-director of the University of Pennsylvania's adult ADHD treatment and research…

The 'FIRE movement' is a concept that stands for ‘financial independence, retire early,’ where your investments provide all of your income to support your lifestyle. Hence, you no longer need to work. Sounds pretty good, right? The next obvious question then is how do you achieve this? Frugal Does Not Mean Deprivation To retire early, you have to s…

What is the purpose of having wealth? Some people use their wealth benevolently to give back to society. Others use it to create generational wealth for their kids and future generations. Building wealth is an integral part of our society; however, looking ahead too far in the future can cause us to miss out on what's happening today. The Power of …

Reverse budgeting is the most ADHD-friendly way to down spending money into different categories. Tracking your expenses and coming to terms with where your money's going is essential in developing a better relationship with your money. Apps - like Honeydue - are great tools to begin budgeting. The most important part of reverse budgeting is identi…

ADHD money struggles often contribute to anxiety, stress, and strain in relationships. Dr. Stephanie Sarkis, a psychotherapist specializing in anxiety, gas lighting, narcissistic abuse, and ADHD, is joining us today to help us better understand how money and ADHD affect our relationships. Dr. Sarkis is the author of seven books, including 'ADD And …

Whether it's missed bill payments or impulsive spending, ADHD makes managing money more challenging, which, if we're not careful, can lead to low credit scores. The good news is you can improve your credit score and keep it in a safe zone by following a few helpful tips. You Are More Than a Number In the eyes of the financial world, your financial …

Don't worry; the government doesn't tax people with ADHD. The term ADHD tax comes from the times we're charged extra fees and penalties because of having ADHD. Tina Mathams is The ADHD Accountant and a Money Coach specializing in helping clients with ADHD improve their relationship with money. She explains why ADHD makes money hard for all of us an…

You've been working hard on your finances, but you have kids who love to spend money almost as wildly as you used to. How do we teach our children about money? Below are age-appropriate ways to raise a financially responsible child, including some of my favorite tips. Toddlers: Lead by Example Children learn by example, and their most influential r…