MONEY WITHOUT MATH

We're exploring how money exists in our real, daily lives, not just as numbers on a chart. From managing our emotions to caring for an aging parent, join us for conversations that are practical, sometimes philosophical, and always fresh. Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC. Investment advisory services offered through Raymond James Financial Services Advisors, Inc. Clarity Planning is not a registered broker/dealer and is independent of Raymond James Financial Services. Content represents the opinions of the speaker and not necessarily those of Raymond James. The rating is not intended to be an endorsement, or any way indicative of the advisors abilities to provide investment advice or management. This podcast is intended for informational purposes only. Important Disclosure Information: http://raymondjames.com/smicd.htm

MONEY WITHOUT MATH is a education podcast hosted by Karen Coyne, CFP®, with 154 episodes on record and a Required Pod Score of 80. PitchCentric scores this show on Booking Probability, Listen Score, and live audience signals refreshed every 24 hours.

Karen Coyne, CFP® hosts MONEY WITHOUT MATH, a education show with 154 episodes published.

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  MONEY WITHOUT MATH

  50. Invest in a Longer, Healthier Life with Joshua Herring

  Aug 13, 202632 min

  What if one of the greatest retirement risks isn’t market volatility, but losing healthy years of life? In this episode of Money Without Math, Karen sits down with Joshua Herring, CEO of the Longevity Science Foundation, to explore the rapidly evolving science of healthy longevity and how it might affect how we think about health, wealth, and aging. Joshua explains why longevity isn't about chasing immortality or extending life indefinitely. It's about increasing health span, reducing the burden of chronic disease, and helping people enjoy more years healthy, active, and able to enjoy life. The conversation also explores how longer, healthier lives could reshape financial planning. From retirement savings and healthcare costs to spending on nutrition, fitness, and preventive care, you’ll hear why longevity planning isn't just a medical conversation. It's a financial one. Karen and Joshua also examine what makes philanthropy truly impactful, why accountability and transparency matter, and why women's health remains one of the most underfunded opportunities for impact today. In this episode: 0:00 Cold Open: Funding Scale 0:17 Show Trailer and Host Intro 1:02 Why Healthy Longevity Now 2:10 How The Foundation Funds Research 4:16 Prevention Versus Treatment Funding Reality 7:41 100% Donations and Small Projects 12:56 Longevity Misconceptions and Healthspan Gap 15:58 Longer Lives and Retirement Planning 22:48 Accountability in High-Impact Giving 24:48 Women’s Health Funding Disparity Explained 30:51 Closing Links and Listener Requests Connect with Karen: Clarity Planning LinkedIn YouTube Instagram Connect with our guests: Joshua Herring Longevity Science Foundation Invested In Her

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  MONEY WITHOUT MATH

  Design a Life You Love with Dr. Katie Sandoe

  Jul 30, 202635 min

  What if you approached your life with the same intentionality that organizations bring to strategic planning? In this episode of Money Without Math, Karen Coyne sits down with leadership strategist, speaker, and "Sparkologist" Dr. Katie Sandoe to explore her personal strategic planning process. Inspired by years of leading strategic planning sessions for organizations, Dr. Katie adapted many of those same principles to help create greater clarity, purpose, and alignment in her own life. Together, they discuss the power of deep reflection, creating space away from everyday distractions, identifying what truly deserves your time and energy, and building a roadmap for the next season of your life. Dr. Katie shares the questions she asks herself each year, the tools she uses to make intentional decisions, and how this process ultimately led her to launch her own business and design a life she loves. Whether you dedicate a full week, a single day, or just an hour, this conversation will inspire you to stop drifting and start living with greater intention. In this episode: 00:00 Why You Need a Personal Strategic Plan 01:12 Turning Strategic Planning Into a Life Plan 03:33 Four Rules for a Successful Planning Retreat 06:35 How to Design Your Personal Retreat 10:43 Making Time for What Matters Most 12:35 The Questions to Clarify Your Next Chapter 17:56 Using the Wheel of Life to Find Clarity 19:31 Creating Your Personal Strategic Roadmap 21:28 Build Your Own Board of Directors 23:56 What You Need to Let Go Of 28:33 Turning Reflection Into Action 30:49 How Personal Strategic Planning Changed My Life 33:25 The Secret to Loving Your Life Connect with Karen: Clarity Planning LinkedIn YouTube Instagram Connect with our guests: Katie Sandoe on LinkedIn Spark Something New

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  MONEY WITHOUT MATH

  The Unexpected Role Your Home Plays in Healthy Aging with Esther Greenhouse

  Jul 16, 202634 min

  Nearly 95% of older adults want to remain in their own homes as they age. But studies suggest that as little as 1% to 5% of U.S. homes actually have the key features needed to make that possible. Most people assume aging in place is about installing grab bars or making renovations after a health crisis; today’s guest says that’s exactly backwards. In this episode, Karen is joined by Esther Greenhouse, environmental gerontologist and longevity strategist. Together, they explore the often-overlooked connection between housing design, independence, caregiving, and financial planning. Drawing on decades of research and her own caregiving experience, Esther explains how the environments we live in can shape our health, abilities, and quality of life long before a crisis occurs. They discuss why successful aging in place begins decades before someone needs care. From person-environment fit and universal design to caregiving and preserving independence, Esther shares practical ways to create homes that support people throughout their lives instead of forcing costly, reactive changes later on. The conversation also explores why housing deserves a place in comprehensive financial planning. Thoughtful design can help reduce caregiver burden, preserve assets, delay the need for long-term care, and create better outcomes for families over time. Whether you're planning for your own future, helping an aging parent, or advising clients through life's later chapters, this episode offers a fresh perspective on how the places we live can shape the lives we lead. In this episode: 0:00 Why Homes Aren’t Built For Aging 0:44 Money Without Math Show Intro 1:27 Aging In Place Starts Years Earlier 8:25 Person Environment Fit And Forced Frailty 14:35 Five Features That Change Everything 24:12 Universal Design That Helps Everyone 26:40 Caregiving Planning And Real Cost Savings 32:45 How To Follow Plus Disclosures Connect with Karen: Clarity Planning LinkedIn YouTube Instagram Connect with our guests: Esther Greenhouse on LinkedIn Contact Esther Greenhouse Silver to Gold Strategic Consulting

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  MONEY WITHOUT MATH

  Love Richer: Building Stronger Relationships Through Better Money Conversations with Jackie Combs

  Jul 2, 202631 min

  Love and money are deeply connected—even when we avoid the conversation. In this episode of Money Without Math , Karen Coyne sits down with attorney and Love Richer creator Jackie Combs to explore how women can set themselves up for financial success at every stage of life—single, dating, engaged, or married. From subtle money conversations you can have on a first date, to the truth about prenups, to recognizing financial red flags before they become real problems, Jackie shares the legal and practical insights many women don’t learn until it’s too late. You’ll also learn why “doing nothing” is still a financial decision, how to build true financial intimacy in a relationship, and the four-part framework that can transform how you talk about money with a partner. This episode is your guide to building a relationship where you feel informed, protected, and confident—because love can feel good and make financial sense. In this episode: 0:00 - Money Values Start Early 1:04 - Show Focus And Guest 3:48 - Why Love Richer Started 5:02 - First Date Money Questions 7:38 - The Default Rules If You Do Nothing 9:50 - Prenups For Wealth And Caregiving 12:38 - What If You Are Already Married 14:48 - Transparency For Life Curveballs 19:05 - Relationship Money Red Flags 23:28 - How To Have Better Money Talks 26:06 - Four Dimensions Of Financial Intimacy 30:02 - Closing And Listener Next Steps Connect with Karen: Clarity Planning LinkedIn YouTube Instagram Connect with our guests: Jackie Combs on LinkedIn Love Richer Jackie Combs (@love.richer) • Instagram photos and videos

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  MONEY WITHOUT MATH

  You’re Negotiating Already—How to Do It Better with Ranieka Weston

  May 21, 202633 min

  Negotiation is often equated with high-stakes conversations: salary offers, contracts, or tense back-and-forths across a conference table. But leadership coach and consultant Ranieka Weston says negotiation is happening constantly, often in the smallest moments of everyday life. In this episode of Money Without Math, Karen Coyne sits down with Ranieka to unpack the mindset behind effective negotiation and why so many people struggle to ask for what they want, even when the stakes are low. From restaurant orders and parenting conversations to workplace boundaries and compensation discussions, they explore how negotiation is less about conflict and more about clarity, self-trust, timing, and emotional awareness. Ranieka shares practical ways to strengthen your “negotiation muscle,” including how to approach difficult asks without becoming combative, why psychological safety matters at work and at home, and the hidden cost of shrinking your own value in important conversations. She also explains why many people don’t actually have a confidence problem; they have a negotiation problem. If you’ve ever avoided asking, worried about being perceived as difficult, or walked away from a conversation thinking “I should’ve said something,” this episode offers a grounded approach to advocating for yourself—one small ask at a time. In this episode: 0:00 - Know Your Value First 1:17 - Negotiation Happens Every Day 5:20 - The Vegas Margarita Win Win 10:09 - Mindset Shapes Every Ask 14:52 - Clarity Value And Timing 16:32 - Negotiating With Your Teen 20:47 - Boundaries Nonnegotiables And Safety 25:18 - Weekly Practice Questions That Work 27:37 - How To Ask Without Feeling Cheap 30:50 - Final Takeaways And Next Steps Connect with Karen: Clarity Planning LinkedIn YouTube Instagram Connect with our guests: Ranieka Weston on LinkedIn Your Next Thought

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