Podcast
Everyone's Talkin' Money
Hosted by Shari Rash | Financial Advisor for Women & Founder of GWA Wealth · EN
New York Times Top 4 Money Podcast | 25+ million downloads
Everyone’s Talkin’ Money is the go-to personal finance podcast for high-earning women who want to build wealth, feel confident making financial decisions, and stop second-guessing themselves every time they open their bank app.
Hosted by Shari Rash, founder of GWA Wealth and a financial planner with nearly two decades of experience, this show goes beyond budgeting, saving, and investing to focus on the real reason smart, successful women still feel stressed about money: the psychology, habits, and invisible rules driving their financial lives.
Because you can make six figures, max out your retirement, and still lie awake at 3 a.m. wondering if you’re doing it right.
This is not a “stop buying lattes” podcast. This is not finance bro advice. And this is definitely not about shame.
Each week, Shari breaks down how to:
build wealth without burnout or deprivation
make confident decisions about spending, investing, and major life moves
align your money with your values and lifestyle
navigate money as a single woman
undo the “I should be further along” pressure
create financial security and emotional peace
You’ll hear solo episodes and interviews that blend behavioral finance, real-life strategy, and honest conversations about what it actually takes to feel powerful — not just look successful — with your money.
If you’re ready to stop performing financial success and start living it, hit follow.
Your money. Your life. On your terms
45episodes
Episodes
Newest firstAll episodes
What Is a Roth Conversion — And How Can You Do It Wrong?
4d ago00:43:40Tap to summarizeRoth conversions sound smart. Tax-free growth, tax-free withdrawals later, more flexibility in retirement — what’s not to like? Well… the tax bill today. That part. In this episode, Shari Rash, founder of GWA Wealth, breaks down what a Roth conversion actually is, how it works, and why “tax-free later” does not mean “free today.” A Roth conversion can be a powerful planning tool, but it can also backfire if you convert too much, do it in the wrong year, ignore the pro-rata rule, forget about Medicare premiums or other income-based thresholds, or assume you can undo it later. Shari explains the difference between a Roth contribution, a Roth conversion, and a backdoor Roth, why the conversion amount usually gets added to your taxable income for the year, and why a large pre-tax retirement balance usually means you need a better plan — not a bigger conversion. You’ll hear: What a Roth conversion is and how it differs from a Roth contribution Why the conversion amount is not the tax bill, but may be taxable income How converting too much in one year can create a bigger tax bill than expected Why the pro-rata rule can make a backdoor Roth less clean than it sounds Why outside cash to pay the taxes matters How Medicare premiums, five-year rules, and tax brackets can affect the decision Why Roth conversions should come from a projection, not a podcast-induced burst of motivation The biggest takeaway: do not hear “Roth conversion” and think, “I should do that.” Hear “Roth conversion” and think, “This is something worth analyzing.” This episode is for educational and informational purposes only and is not individualized financial, investment, tax, legal, or accounting advice. Before making decisions about Roth conversions, retirement accounts, taxes, or investments, talk with a qualified financial professional or tax professional who understands your full situation. If you want help building a financial plan that connects your income, taxes, retirement accounts, investments, and long-term goals, visit GWA Wealth to explore your next step. Follow Everyone’s Talkin’ Money on your favorite podcast app so you never miss an episode, and keep the conversation going on Instagram @everyonestalkinmoney If you’re ready for personalized, judgment-free financial guidance, learn more about working with Shari. Shari Rash is the founder of GWA Wealth a virtual advisory firm helping women make confident, values-aligned decisions with their money. Talkin’ Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here. Be sure to like and follow the show on your favorite podcast app! Shari Rash is a financial planner and Investment Adviser Representative of GWA Wealth, a Registered Investment Adviser. The information provided in this podcast is for educational and informational purposes only and should not be construed as personalized investment, tax, or legal advice. Listening to this podcast does not create an advisory relationship with Shari Rash or GWA Wealth. All investments involve risk, including the potential loss of principal. Any references to specific investments, strategies, or securities are for illustrative purposes only and are not recommendations. You should consult your own financial advisor, tax professional, or attorney regarding your individual situation before making any financial decisions. Learn more about your ad choices. Visit megaphone.fm/adchoices
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The Tax Strategy High Earners Are Missing: How to Stop Playing Defense With the IRS
1w ago00:42:13Tap to summarizeTaxes are not just something you deal with once a year when it is time to file. For high earners, business owners, and investors, taxes are part of the bigger wealth-building strategy. In this episode, Shari Rash talks with CPA and tax strategist Catrina M. Craft about how to stop playing defense with the IRS and start thinking more proactively about tax strategy. Catrina explains why the tax code often creates more opportunities for business owners and investors, why high-earning W-2 employees may feel limited but are not completely out of options, and how Roth accounts, HSAs, real estate, business structure, and proactive planning can all play a role in a smarter tax picture. They also talk about the difference between an accountant, a bookkeeper, a CPA, and a tax strategist, why waiting until March or April is usually too late for meaningful tax planning, and why deductions are not free money. You’ll hear: Why tax filing and tax strategy are not the same thing Why high earners need to stop treating taxes like a once-a-year event What W-2 employees can still consider when they feel stuck How Roth 401(k)s, backdoor Roth strategies, and HSAs may fit into long-term planning Why business owners need to understand entity structure, deductions, documentation, and ordinary and necessary expenses Why spending money just for a tax deduction can backfire How to think about tax planning as part of your larger financial strategy This episode is for educational and informational purposes only and is not individualized financial, investment, tax, legal, or accounting advice. Before making tax, investment, retirement, business, or entity-structure decisions, consult with qualified professionals who understand your specific situation. If you want help building a financial plan that connects your income, investing, taxes, cash flow, and long-term goals, learn more about working with Shari Rash and GWA Wealth by visiting gwawealth.com. Follow Everyone’s Talkin’ Money on your favorite podcast app so you never miss an episode, and keep the conversation going on Instagram @everyonestalkinmoney Talkin’ Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here. Be sure to like and follow the show on your favorite podcast app! Shari Rash is a financial planner and Investment Adviser Representative of GWA Wealth, a Registered Investment Adviser. The information provided in this podcast is for educational and informational purposes only and should not be construed as personalized investment, tax, or legal advice. Listening to this podcast does not create an advisory relationship with Shari Rash or GWA Wealth. All investments involve risk, including the potential loss of principal. Any references to specific investments, strategies, or securities are for illustrative purposes only and are not recommendations. You should consult your own financial advisor, tax professional, or attorney regarding your individual situation before making any financial decisions. The views expressed by guests are their own and don’t necessarily reflect the views of GWA Wealth. Learn more about your ad choices. Visit megaphone.fm/adchoices
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Before Summer Gets Expensive, Do This Money Reset
2w ago00:32:35Tap to summarizeSummer spending can feel casual… until the trips, camps, dinners, Target runs, kid expenses, travel plans, and “let’s just enjoy it” purchases start stacking up. In this episode, Shari Rash walks you through the money reset you need before summer gets expensive. Because the problem usually isn’t one dinner, one weekend away, or one camp payment. The problem is everything piling up without a clear plan. You’ll learn how to figure out what is actually safe to spend this summer, why summer tends to expose the weak spots in your money system, and how to stop letting your calendar, your kids, the group chat, and your own exhaustion make your money decisions for you. Shari breaks down her simple Clean Up, Clarify, Choose framework so you can clean up what’s already leaking, clarify what money is actually available, and choose what matters most before summer chooses for you. You’ll hear why your safe-to-spend number is not your checking account balance or your credit card limit, how to plan for predictable summer expenses you may be treating like surprises, why flexible spending ranges work better than rigid budgets, and how a weekly 10-minute money check-in can help you avoid the post-summer financial hangover. This episode is not about making summer boring or cheap. It’s about making summer clear, intentional, and actually enjoyable. Grab the free Summer Money Reset Plan at everyonestalkinmoneypodcast.com/1529 or click here. If you want support staying consistent with this kind of work, check out the Everyone’s Talkin’ Money Club, where we turn podcast conversations into routines, resources, accountability, and support. Follow Everyone’s Talkin’ Money on your favorite podcast app so you never miss an episode, and keep the conversation going on Instagram @everyonestalkinmoney. If you’re ready for personalized, judgment-free financial guidance, learn more about working with Shari. Shari Rash is the founder of GWA Wealth, a virtual advisory firm helping women make confident, values-aligned decisions with their money. Visit GWA Wealth to explore your next step. Talkin’ Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here. Be sure to like and follow the show on your favorite podcast app! Keep the conversation going on Instagram @everyonestalkinmoney Shari Rash is a financial planner and Investment Adviser Representative of GWA Wealth, a Registered Investment Adviser. The information provided in this podcast is for educational and informational purposes only and should not be construed as personalized investment, tax, or legal advice. Listening to this podcast does not create an advisory relationship with Shari Rash or GWA Wealth. All investments involve risk, including the potential loss of principal. Any references to specific investments, strategies, or securities are for illustrative purposes only and are not recommendations. You should consult your own financial advisor, tax professional, or attorney regarding your individual situation before making any financial decisions. Learn more about your ad choices. Visit megaphone.fm/adchoices
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Why Your Money Keeps Disappearing Even When You’re Not Being Irresponsible
2w ago00:37:47Tap to summarizeHave you ever looked at your bank account or credit card bill and thought, “Wait…where did it all go?” You didn’t book a luxury vacation. You didn’t buy anything wildly irresponsible. You were just living your life — grabbing dinner, ordering the kid thing, paying for subscriptions, making the Target run, upgrading the trip, saying yes to the social plan — and somehow, your money disappeared. In this episode, Shari is breaking down the hidden expenses high earners often miss and why these money leaks can be so hard to catch. Because for women who make good money, the issue usually isn’t one dramatic purchase. It’s the quiet patterns: convenience creep, forgotten subscriptions, lifestyle upgrades, emotional micro-spending, and social or family spending that was never actually planned for. You’ll learn why income can camouflage spending leaks, how “it’s only $15” becomes a real category, why convenience is not the enemy but reactive convenience is expensive, and how to sort your spending into what supports your life, what’s neutral, and what’s just background noise draining your money. You’ll also walk away with a simple 20-minute money audit you can do this week to find real breathing room without cutting everything fun out of your life. Because the goal is not to spend as little as possible. The goal is to make sure your money is actually supporting the life you say you want. Grab the $1,000 Leak Finder at https://everyonestalkinmoney.kit.com/moneyleaks If you’re ready for personalized, judgment-free financial guidance, learn more about working with Shari. Shari Rash is the founder of GWA Wealth, a virtual advisory firm helping women make confident, values-aligned decisions with their money. Visit GWA Wealth to explore your next step. Talkin’ Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here. Be sure to like and follow the show on your favorite podcast app! Keep the conversation going on Instagram @everyonestalkinmoney Shari Rash is a financial planner and Investment Adviser Representative of GWA Wealth, a Registered Investment Adviser. The information provided in this podcast is for educational and informational purposes only and should not be construed as personalized investment, tax, or legal advice. Listening to this podcast does not create an advisory relationship with Shari Rash or GWA Wealth. All investments involve risk, including the potential loss of principal. Any references to specific investments, strategies, or securities are for illustrative purposes only and are not recommendations. You should consult your own financial advisor, tax professional, or attorney regarding your individual situation before making any financial decisions. Learn more about your ad choices. Visit megaphone.fm/adchoices
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Stop Letting Tax Mistakes Quietly Slow Down Your Wealth
3w ago00:35:13Tap to summarizeTaxes may not be the most exciting part of your financial life, but if you’re earning well, investing, running a business, or trying to build wealth, they cannot be a once-a-year panic event. In this episode, Shari breaks down the tax mistakes that can quietly slow down your wealth-building progress. Because while most people think about taxes only when it’s time to file, the real opportunities often happen months earlier, before you sell an investment, change retirement contributions, receive business income, make a major purchase, or realize your income has changed. Shari explains why the goal is not always to pay the lowest tax bill possible today, why deductions are not free money, how investment and retirement decisions connect to your tax strategy, and why business owners especially need to stop treating gross revenue like spendable income. You’ll hear: Why tax filing is looking backward, but tax planning is looking forward The difference between saving on taxes and making smart long-term financial decisions Why avoiding capital gains can sometimes keep you stuck in investments that no longer fit How retirement contributions can affect both your current and future tax picture Why business income needs a clearer system before tax season hits How to start thinking about taxes as part of your bigger wealth strategy This episode is for educational and informational purposes only and is not individualized financial, investment, tax, legal, or accounting advice. Before making tax, investment, retirement, or business decisions, consult with a qualified professional who understands your specific situation. If you want help building a financial plan that connects your income, investing, cash flow, taxes, and long-term goals, learn more about working GWA Wealth at gwawealth.com. Follow Everyone’s Talkin’ Money on your favorite podcast app so you never miss an episode, and keep the conversation going on Instagram @everyonestalkinmoney Talkin’ Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here. Be sure to like and follow the show on your favorite podcast app! Shari Rash is a financial planner and Investment Adviser Representative of GWA Wealth, a Registered Investment Adviser. The information provided in this podcast is for educational and informational purposes only and should not be construed as personalized investment, tax, or legal advice. Listening to this podcast does not create an advisory relationship with Shari Rash or GWA Wealth. All investments involve risk, including the potential loss of principal. Any references to specific investments, strategies, or securities are for illustrative purposes only and are not recommendations. You should consult your own financial advisor, tax professional, or attorney regarding your individual situation before making any financial decisions. Learn more about your ad choices. Visit megaphone.fm/adchoices
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Why Making More Money Still Isn’t Making You Feel in Control
3w ago00:26:20Tap to summarizeWhat if making more money isn’t actually solving your money stress? In this episode, Shari is breaking down why a higher income doesn’t automatically create more clarity, confidence, or control. Because here’s the truth: more money can help, but only if your system knows what to do with it. Otherwise, that extra income can quietly disappear into lifestyle creep, convenience spending, emotional spending, and the same patterns that made money feel messy in the first place. Shari walks through why high earners can still feel behind, why raises and bonuses often get absorbed faster than expected, and what to do when your income looks good on paper but your financial life still feels unclear. You’ll learn how to give new income a job before it arrives, create a safe-to-spend number, separate lifestyle spending from identity spending, and build money systems that do the work even when your willpower is gone by Thursday. You’ll hear: Why making more money doesn’t automatically fix financial chaos How lifestyle creep becomes invisible before you realize it The three places to look when your income is solid but your money still feels off Why your “safe to spend” number can reduce guilt and anxiety How to tell the difference between intentional lifestyle spending and identity spending Why systems beat willpower every time How to stop letting extra income disappear without a plan If you’re earning well but still wondering where your money went, this episode will help you stop blaming yourself and start looking at the system underneath it all. Because your money should feel as good as your income looks on paper — and if it doesn’t, that is fixable. Learn more about your ad choices. Visit megaphone.fm/adchoices
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Start Investing This Year Without Overthinking Every Decision
4w ago00:31:15Tap to summarizeIf you’ve been telling yourself, “This is the year I’m finally going to start investing,” but somehow another month goes by and you still haven’t done anything, this episode is for you. Investing hesitation is almost never about intelligence. It’s about uncertainty. What if you pick the wrong thing? What if the market drops? What if you should be doing something else with the money first? And when every decision feels high-stakes, it’s easy to stay stuck in research mode and call it being responsible. In this episode, Shari Rash, founder of GWA Wealth, breaks down where to actually start if you want to invest this year. You’ll learn the investing order of operations, why cash reserves matter before you start putting money into the market, how to think about employer matches, IRAs, Roth IRAs, taxable brokerage accounts, and why consistency usually matters more than picking the “perfect” investment. You’ll also hear why sitting on too much cash can quietly cost you, how to think about investing when you still have debt, and why the goal is not to become obsessed with investing — it’s to build a plan you can actually stick with. You’ll hear: Why smart women delay investing even when they know they “should” start The three-question filter to help you know what money is ready to invest The investing starter path: cash base, employer match, IRA or Roth IRA, and taxable brokerage Why time in the market matters more than trying to time the market How to stop letting fear of the wrong move keep your money sitting on the sidelines If you want help building a personalized investing plan for your actual life — your income, your taxes, your goals, your timeline, and your real-world decisions — learn more at gwawealth.com. This is exactly the work Shari does with women who are doing well on paper but want to feel more confident and in control of their money. Talkin’ Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here. Be sure to like and follow the show on your favorite podcast app!Keep the conversation going on Instagram @everyonestalkinmoney This episode is provided for informational and educational purposes only and should not be construed as personalized financial, investment, tax, or legal advice. The information discussed is general in nature and may not be appropriate for your specific financial situation, goals, risk tolerance, or time horizon. Investing involves risk, including the potential loss of principal. Past performance is not indicative of future results. References to retirement accounts, Roth IRAs, traditional IRAs, taxable brokerage accounts, employer retirement plans, dollar-cost averaging, asset allocation, or other financial strategies are intended as general education and should not be interpreted as a recommendation to buy, sell, or hold any specific security or investment product. GWA Wealth is a registered investment adviser. Advisory services are offered only to clients or prospective clients where GWA Wealth and its representatives are properly licensed or exempt from registration. Nothing in this episode should be considered an offer to sell or a solicitation of an offer to buy any securities or advisory services. For more information about GWA Wealth, including services, fees, and conflicts of interest, please review the firm’s Form ADV Part 2A and related disclosures. Learn more about your ad choices. Visit megaphone.fm/adchoices
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Your Spending Doesn’t Match Your Values—Here’s How to Fix It
May 100:24:17Tap to summarizeHave you ever looked at your bank statement and wondered where your money actually went? Not in a dramatic, “I’m terrible with money” way—but in a quiet, uncomfortable way. The kind where you realize your spending doesn’t quite reflect what you say matters most to you. You say you value freedom, connection, growth, or security. But your transactions tell a different story—subscriptions you forgot about, convenience spending that adds up, and impulse purchases that slowly crowd out the things you truly care about. And that gap between your values and your spending? It’s not just costing you money. It’s costing you progress toward the life you actually want. In this episode, Shari Rash, founder of GWA Wealth, walks you through a simple but powerful framework to identify your core values, audit your spending, and make strategic shifts so your money starts working in alignment with your priorities. You’ll learn how to categorize your spending into aligned, neutral, and misaligned purchases, why restriction rarely works, and how small changes—like values-based spending buckets, a wait-to-buy rule, and automated transfers—can create clarity and confidence with your money. This isn’t about budgeting harder or cutting everything out. It’s about spending with intention. You’ll walk away with a clearer understanding of what matters most to you, how your current spending patterns support—or sabotage—those priorities, and practical steps to make your money feel more purposeful and aligned. If you’re ready to turn these ideas into action and build systems that make your money easier to manage, join the Everyone’s Talkin’ Money Club. It’s where we take these conversations deeper with live support, practical tools, and a community of women working toward the same goals. You can learn more and join us at everyonestalkinmoneypodcast.com. If you’re ready for personalized, judgment-free financial guidance, learn more about working with Shari. Shari Rash is the founder of GWA Wealth, a virtual advisory firm helping women make confident, values-aligned decisions with their money. Visit GWA Wealth to explore your next step. Talkin’ Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here. Be sure to like and follow the show on your favorite podcast app! Keep the conversation going on Instagram @everyonestalkinmoney Shari Rash is a financial planner and Investment Adviser Representative of GWA Wealth, a Registered Investment Adviser. The information provided in this podcast is for educational and informational purposes only and should not be construed as personalized investment, tax, or legal advice. Listening to this podcast does not create an advisory relationship with Shari Rash or GWA Wealth. All investments involve risk, including the potential loss of principal. Any references to specific investments, strategies, or securities are for illustrative purposes only and are not recommendations. You should consult your own financial advisor, tax professional, or attorney regarding your individual situation before making any financial decisions. Learn more about your ad choices. Visit megaphone.fm/adchoices
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What to Do After You File Your Taxes: 5 Smart Money Moves to Make Now
Apr 2800:29:35Tap to summarizeYou filed your taxes, hit submit, and finally took a breath. But filing your return isn’t the finish line—it’s the starting signal. Most people close the folder, move on with their lives, and don’t think about taxes again until next year. That’s exactly why tax season keeps feeling stressful, confusing, and expensive. Your tax return isn’t just paperwork. It’s information. It’s a snapshot of every financial decision you made last year—and a roadmap for what to do differently going forward. In this episode, Shari Rash, walks you through the five money moves to make after you file your taxes so you can start this year smarter and stop treating tax season like a once-a-year emergency. You’ll learn what to actually look for on your tax return, how to adjust your withholding so you’re not surprised next April, why retirement contributions are one of the most powerful tax tools available, and how to build a simple system that turns panic into preparation. Shari also explains why mid-year check-ins matter more than year-end scrambling and how small adjustments now can save you stress—and money—later. This episode is about shifting from reactive to proactive. Because taxes aren’t just something you file. They’re something you manage. If you want help turning your tax return into a real strategy, you can schedule time with Shari Rash, founder of GWA Wealth, to review your numbers and identify opportunities to improve your financial plan. Talkin’ Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here. Be sure to like and follow the show on your favorite podcast app! Keep the conversation going on Instagram @everyonestalkinmoney IRS Income Tax Estimator Shari Rash is a financial planner and Investment Adviser Representative of GWA Wealth, a Registered Investment Adviser. The information provided in this podcast is for educational and informational purposes only and should not be construed as personalized investment, tax, or legal advice. Listening to this podcast does not create an advisory relationship with Shari Rash or GWA Wealth. All investments involve risk, including the potential loss of principal. Any references to specific investments, strategies, or securities are for illustrative purposes only and are not recommendations. You should consult your own financial advisor, tax professional, or attorney regarding your individual situation before making any financial decisions. Learn more about your ad choices. Visit megaphone.fm/adchoices
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Why You Keep Repeating the Same Money Mistakes (And How to Break the Cycle)
Apr 2400:39:09Tap to summarizeYou can be earning good income, paying your bills, and trying to budget—and still feel like you’re stuck in the same financial patterns over and over again. Overspending when you’re stressed. Avoiding your accounts when you’re overwhelmed. Feeling shame about debt, even when life is the thing that put you there in the first place. In this episode, Shari Rash, founder of GWA Wealth, sits down with certified financial therapist Dr. Erica Rasure to unpack the emotional side of money and why so many financial struggles have less to do with math and more to do with behavior, stress, and past experiences. They talk about the difference between financial stress and financial trauma, how shame keeps people stuck, and why traditional budgeting often fails when it doesn’t account for real life—or real emotions. You’ll also hear why debt is often the result of life events, not poor choices, and how to start rebuilding your relationship with money without guilt or self-blame. This conversation will help you understand your financial patterns, recognize emotional triggers around spending, and take the first small step toward lasting change—even if you feel overwhelmed right now. You’ll walk away with a clearer understanding of why your money habits feel hard to change, how to shift from shame to progress, and practical ways to move forward with more confidence and self-compassion. If you’re ready to go deeper than just listening—if you want support, accountability, and a place to work through your money decisions in real time—the Everyone’s Talkin’ Money Club is here for you. It’s where these conversations turn into action, with live guidance, community support, and practical tools to help you build lasting change. You can learn more and join us at everyonestalkinmoney.com. Shari Rash is a financial planner and Investment Adviser Representative of GWA Wealth, a Registered Investment Adviser. The information provided in this podcast is for educational and informational purposes only and should not be construed as personalized investment, tax, or legal advice. Listening to this podcast does not create an advisory relationship with Shari Rash or GWA Wealth. All investments involve risk, including the potential loss of principal. Any references to specific investments, strategies, or securities are for illustrative purposes only and are not recommendations. You should consult your own financial advisor, tax professional, or attorney regarding your individual situation before making any financial decisions. The views expressed by guests are their own and don’t necessarily reflect the views of GWA Wealth. Learn more about your ad choices. Visit megaphone.fm/adchoices
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