Automatic Financial Freedom with The Budget Besties - 185

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This episode is one of my absolute favorites—we’re diving deep into what I call the personal finance superpower: automation. I’m joined by two great guests, Shana and Vanessa, also known as The Budget Besties. These two are financial coaches and co-hosts of the “Financial Coaching for Women” podcast, and they’re on a mission to make budgeting fun, simple, and judgment-free. We talk through how automation can reduce stress, simplify your finances, and even improve your relationships. I also share my personal journey of finally automating credit card payments. Whether you're new to automation or ready to take it to the next level with ideas like a "Direct Deposit IRA," this episode is packed with actionable ideas that will help you gain control, reduce anxiety, and live financially free.

💰 This Week’s Money Talking Points

1. How could you simplify with separation?
2. How would you benefit from a specific account dedicated to spending?
3. What is a direct deposit IRA?

⏱️ Episode Highlights & Timestamps:

[00:02:00] – My story: finally setting up auto-pay for credit cards

[00:04:30] – What is financial automation? “Make your bank your assistant.”

[00:08:30] – The psychological barrier to trusting automation

[00:11:00] – Points vs. high-yield savings—what’s really worth more?

[00:14:00] – Multiple accounts: simplifying, not complicating

[00:16:30] – Living in your spending account: the “anti-budget” approach

[00:18:30] – Automation as a relationship tool: freedom from micromanaging

[00:20:00] – Gamifying savings buckets and why naming them matters

[00:22:00] – Why spreadsheets (like mine!) might be overkill for most people

[00:30:00] – The first step to financial independence: living a month ahead

📎 Resources & Mentions:

The Budget Besties Podcast: Financial Coaching for Women

Learn their automation system step-by-step: budgetbesties.com/automate

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"Upbeat Forever" Kevin MacLeod (incompetech.com) Licensed under Creative Commons: By Attribution 3.0 http://creativecommons.org/licenses/by/3.0/

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