This isn’t about what we know. It’s about what’s getting in the way.

In this episode, Dr. Sev sits down with financial wellness consultant Nia Adams to explore why money can still feel hard—even when you know what to do. They unpack how confidence, beliefs, and past experiences shape financial decisions, and what it takes to move past money shame and follow through.

If you’ve ever felt like you should be further along by now, this conversation is for you.

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Join Dr. Sev's Wealth Warriors Community for more financial discussions and insights (FREE to join): https://www.skool.com/wealth-warriors-community-1025/about

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The Dr. Sev Talks Money podcast's mission is to empower women to approach money confidently, reframe their financial habits, and build a future where their money is a tool for opportunity and security.

Through Dr. Sev Talks Money YouTube channel and Podcast, I provide actionable advice and inspiration to help you achieve financial freedom. Join me for one-on-one coaching, group sessions, workshops, or speaking engagements as we journey to financial empowerment together. It’s never too late to begin again—let’s make it happen!

Here is one way you can support the Dr. Sev Talks Money podcast and YouTube channel:

https://www.buymeacoffee.com/DrSevTalksMoney

My website: www.sevtalksmoney.com

YouTube: https://www.youtube.com/c/DrSeverineBryan--SevTalksMoney

LinkedIn: https://www.linkedin.com/in/severinebryan/

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Nia's links:

Website - www.niaadams.com

Linkedin - https://www.linkedin.com/in/nia-a-0b485b58/

Youtube - www.youtube.com/@moneyperspectives

Conference - www.thrive360atl.com (September 26, 2026 in Atlanta)

Nia Adams, known as The Coins Confidant, is a financial wellness consultant, speaker, and founder of Perspectives. She helps individuals and organizations move from knowing what to do with money to feeling confident enough to do it through practical, judgment-free financial education.

After paying off $57,000 in debt in under three years, Nia built a nationally recognized platform focused on confidence, behavior, and real-life financial decision-making. She is a three-time author, holds an MBA in Finance, and is both an Accredited Financial Counselor® and Certified Financial Education Instructor. Nia also serves on the advisory board of United Way of Greater Atlanta – Douglas County and is known for creating spaces where conversations about money feel accessible, empowering, and transformative.

Why Money Feels Hard: The Confidence Gap No One Talks About