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In today’s episode I’m joined by Jessica Patel, creator of the Groove financial wellness app, to unpack why getting started with money feels so overwhelming. From emotional roadblocks like fear and shame to practical tips for setting small, achievable goals, Jessica shares invaluable insights to help you take control of your finances. We also dove into ways you can begin to retrain your brain and start making progress with your money!

If you’re ready to overcome those initial hurdles and start building better money habits, this episode is for you.

Timestamps:

[00:00] Introduction: I introduce the episode, share some exciting updates about budgeting tools, and give a quick overview of today’s guest, Jessica Patel. [02:30] Why Money Feels Overwhelming: Jessica explains the emotional barriers like fear, anxiety, and feeling “less than” that make starting with money such a challenge. [06:00] Discover Your Money Personality: Jessica introduces the concept of money personalities and how understanding your emotional connection to money can help you create better habits. [08:00] Setting Small Goals: We discuss the importance of small steps and how they can build momentum for big financial wins. Jessica also shares how Groove helps people track and celebrate progress. [13:00] The Power of Talking About Money: Jessica and I explore why open conversations about finances are essential and how accountability partners (or “money buddies”) can make a huge difference. [19:00] Why Behavior Matters: Jessica emphasizes the importance of behavioral shifts in personal finance and how Groove uses tools like color theory and breathing exercises to reduce money-related stress. [22:00] What emotions are blocking you from getting started: Let’s dive into the first Money Talking Point to understand why we are stuck! [28:43] How can you start a money talk: Let’s take what we learned from Jessica and dive into how to start talking about it [31:35] How can small steps help you: I’ll talk through some examples and chat with my wife about how to break large overwhelming goals into small realistic steps [36:00] Real Talk with Rebecca: My wife, Rebecca, joins me to share how we broke down our financial independence goals into smaller, more manageable steps.

Episode with the CoastFi Couple - https://youtu.be/MgmW4mf44gk

Episode with Bob Wheeler - https://youtu.be/PIHww9LiUB0

Money Talking Points: https://moneytalkwithskylerfleming.com/resources/get-the-7-money-talking-points

Find Jessica Patel

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