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 157 episodes on record and a Required Pod Score of 80.

Karen Coyne, CFP® hosts MONEY WITHOUT MATH, a education show with 157 episodes published.

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  MONEY WITHOUT MATH

  Is Your Past Running Your Money? WIth Sarah Walton

  Sep 24, 202637 min

  What if some of the financial decisions you make today are being shaped by a story you learned decades ago? At 16, Sarah Walton faced a choice: use her first paycheck to pursue a dream she had worked toward for years, or help buy groceries for her family. She chose the groceries. Years later, despite building an impressive career, Sarah realized she had been carrying beliefs from that moment with her: she couldn't take care of her family and pursue what she wanted at the same time. In this episode, Karen and Sarah explore the invisible beliefs and expectations that can shape our relationship with money, success, and self-worth. They dig into why highly capable women can still question whether they're “good with money,” how scarcity can influence our decisions, and why changing behavior without examining the beliefs underneath it can only take us so far. You'll also hear Sarah's perspective on abundance, overgiving, the “invisible unpaid work” many women take on, and simple ways to begin recognizing the money stories that may still be running unchallenged in the background. In this episode: 00:00 Invisible Rules and Overgiving 01:08 Learning to Dance Without Lessons 03:10 The Grocery Store Decision That Changed Everything 07:21 When a 16-Year-Old Was Running My Life 10:30 Why Sarah's Mission Is Putting More Money in Women's Hands 12:45 What Is High-Functioning Codependence? 17:27 Scarcity Stories vs. Abundance Truths 25:14 Simple Practices to Build Wealth Consciousness 31:10 Why Your Subconscious Always Wins 35:25 Sarah's Final Message: You're Already Enough Connect with Karen: Clarity Planning LinkedIn YouTube Instagram Connect with our guests: Sarah Walton on LinkedIn Sarah Walton Coaching

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  MONEY WITHOUT MATH

  Retirement Is Reinvention with JoAnne Moore

  Aug 27, 202630 min

  For generations, retirement was viewed as the final chapter. Today, it may be the start of an entirely new one. As people live longer and healthier lives, the traditional path of working, retiring, and slowly winding down no longer reflects reality. In this conversation, Karen sits down with JoAnne Moore to explore why retirement is becoming reinvention, how longevity is reshaping the way we think about purpose and contribution, and why the biggest challenge may not be saving enough money, but imagining what's possible in the decades ahead. Together, they discuss the emotional shift from saving to spending, why many retirees struggle to enjoy the assets they've worked so hard to accumulate, and how financial planning is evolving to encompass purpose, health, social connection, and lifelong learning alongside dollars and cents. They also explore what it means to plan for a 30- or 40-year retirement, how learning from others can expand your vision of what's possible, and why giving yourself permission to invest in experiences, hobbies, and well-being can be just as important as growing your portfolio. Whether retirement feels years away or you're already living it, this conversation offers a refreshing perspective on designing a life rich in purpose, connection, and possibility. In this episode: 00:00 Why the Traditional Retirement Roadmap No Longer Works 02:17 Do You Want to Live to 100? 04:36 Why Saving Is Easy but Spending Is Hard 09:58 Planning for a 40-Year Retirement 11:45 Retirement Is Becoming Reinvention 16:40 What If You Feel Behind on Retirement Savings? 18:43 How Social Connection Supports Healthy Aging 20:04 Solo Retirement and Planning Without a Partner 23:35 Why It's Okay to Say "I Don't Know" 26:10 Investing in Joy During Retirement Connect with Karen: Clarity Planning LinkedIn YouTube Instagram Connect with our guests: JoAnne Moore on LinkedIn Corebridge Financial Your Longevity Action Planner Family longevity conversations

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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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