Personal Finance With Molly

Excuses feel safe, but they don’t pay bills. In this episode, we explore why excuses hold us back financially, how they distort spending and saving decisions, and how consistent action — even small steps — builds real financial freedom.

You’ll learn practical strategies to move past fear, hesitation, and procrastination, and replace excuses with habits that compound into wealth, confidence, and peace of mind.

What You’ll Learn:

• Wh...

Comparison silently sabotages your financial journey. In this episode, we explore why comparing your money, spending, and financial milestones to others kills joy and clouds judgment — and how shifting your focus to your own path can restore peace and clarity.

You’ll learn how to identify comparison triggers, align your choices with your values, and celebrate progress on your own terms — building habits that compound into confidence...

Setbacks aren’t failures — they’re lessons. In this episode, we explore how missed goals, unexpected expenses, and market dips can be your most valuable teachers.

You’ll learn how to shift your mindset from shame to curiosity, how to turn financial missteps into actionable insights, and how to build resilience that compounds alongside your money.

What You’ll Learn:

• Why setbacks are inevitable — and invaluable
• How behavioral traps m...

Your greatest appreciating asset isn’t your 401(k), your real estate, or your portfolio — it’s you.

In this episode, we explore what it really means to “invest in yourself” — not as a cliché, but as a core principle of financial growth. You’ll learn why personal development compounds like interest, how to identify which investments in yourself bring real returns, and how to build your own “personal investment plan” that strengthens ...

Big wins don’t come from massive leaps — they come from tiny, consistent steps that add up over time. In this episode, we explore the quiet power of compounding — not just in your money, but in your mindset.

You’ll learn why small steps stick when big goals don’t, how to use the “Start Small, Stay Steady, Stack Wins” method to build financial momentum, and how to shift from feeling behind to building belief in your ability to grow.

T...

Today we’re diving into one of my favorite truths about both life and money:

👉 Consistency turns average into unstoppable.

Now, I know that might sound like one of those Instagram motivational quotes — but stick with me, because we’re going deeper than inspiration today. We’re going to break down why consistency is the secret ingredient behind every lasting financial success story — and how you can use it to build real wealth, no ma...

Today we’re talking about one of the hardest, most misunderstood truths in personal finance — and in life:

Discipline beats motivation.

Because let’s be honest — we all love the feeling of being motivated.
 Motivation feels exciting, inspiring, full of potential.
 But motivation fades.

It’s an emotion — and emotions are fleeting.

Discipline, on the other hand, is what carries you through when motivation runs out.

And in the worl...

Today we’re talking about something we all know intellectually but struggle to live out emotionally:

Failure is data, not defeat.

Now, I know that sounds like a motivational poster, but stay with me — because when it comes to money, this truth can completely transform your financial journey.

If you’ve ever made a financial mistake — maybe maxed out a credit card, made a bad investment, spent impulsively, or just felt like you should b...

Today we’re diving into a powerful idea — one that has more to do with mindset than math:
 Gratitude turns a little into enough.

It sounds simple, even cliché at first. But if you’ve ever felt that quiet frustration of “I should be further along by now,” or if you’ve ever looked at your bank account and felt that tightness in your chest — today’s episode is for you.

Because the antidote to that feeling isn’t always more money — i...

Today we’re talking about one of my favorite truths in personal finance:

👉 Making money is only half the game. The other half is learning how to hold onto it.

It sounds simple, right? But it’s one of the biggest financial blind spots I see.

Some people make incredible incomes but are constantly stressed about money.
 Others earn modest paychecks but somehow build quiet, lasting wealth.

The difference isn’t luck—it’s balance.
 ...

It’s one of those lines that can feel blurry. Because being careful with your money sounds wise, right? But sometimes that same caution crosses into territory that can actually cost you — not just in dollars, but in relationships, opportunities, and even peace of mind.

So in this episode, we’ll break down:

• What truly separates frugal from cheap
• Why the difference matters more than you think
• The hidden costs of being too extreme
• And ...

Today’s episode is for anyone who’s ever wondered, “Am I actually doing okay with my money?”

Because here’s the truth — personal finance can feel like a moving target. The more you learn, the more goals appear on the horizon. And sometimes, it feels like you’re never quite “there.”

So today, I want to walk you through 10 money milestones that prove you’re actually crushing it — even if it doesn’t always feel like it.

These aren’t just...

Today, we’re talking about something deceptively simple — and yet it might be the most important mindset in all of personal finance:

👉 Focus on what you can control.

We live in a world where money feels unpredictable. The markets swing. Prices rise. Interest rates jump. Layoffs happen.

And it’s easy — so easy — to feel powerless.

But here’s the truth: you don’t need control over everything to make progress.
You just need to focus...

Today, we’re getting real — like, uncomfortably real.
Because the truth is, personal finance isn’t all about spreadsheets, savings hacks, and investing apps.
Sometimes, it’s about facing the hard stuff — the kind of truths nobody puts on social media.
These are the conversations that don’t always sound pretty, but they’re the ones that change how you see your money — and yourself.

So today, we’re talking about five ha...

Most people think mastering personal finance is about learning the right facts — understanding credit scores, investment strategies, or budgeting formulas. But information alone doesn’t build wealth or prevent debt. The truth is, managing money is less about math and more about mindset. It’s about how you act when faced with temptation, uncertainty, or pressure. Personal finance isn’t a knowledge problem; it’s a behavior problem. A...

If the word “budget” makes you cringe, you’re not alone. Many people imagine endless spreadsheets, strict limits, and a life stripped of fun. But the truth is, managing your money doesn’t have to feel like punishment. Budgeting is really about giving yourself more freedom, not less—freedom to spend on what matters, reduce stress, and build security. For those who hate traditional budgets, there are simple, flexible hacks that take ...

A Flexible Spending Account (FSA) is one of the most underutilized benefits offered by employers. Many employees either forget about it, underfund it, or fail to spend their funds before the plan year ends. Yet, when used correctly, an FSA can save hundreds or even thousands of dollars annually by allowing you to pay for eligible healthcare or dependent care expenses with pre-tax dollars. Today’s episode is all about how FSAs work,...