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Damita Ware's life has been defined by rebuilding. After serving in the Air Force, raising two children as a single mom, losing her former husband, returning to nursing school at nearly 50, and launching a business at 60, she has learned that resilience is built one decision at a time. In this episode, Damita shares the financial sacrifices, practical money strategies, and unwavering determination that carried her through every season. If you've ever wondered whether it's too late to start over, this conversation will remind you that your next chapter is still waiting to be written. **************************************************** 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 **************************************************** 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/ **************************************************** Damita's contact information: IG: @ServantsWhoCare Website: https://servantswhocare.com/ 00:00 Introduction: Why It's Never Too Late to Begin Again 02:00 Joining the Air Force to Pay for College 03:00 Building Credit After Military Service 04:00 Lessons Learned as a Hospital Volunteer 05:00 Raising Two Children on One Income 06:00 Surviving Financial Hardship as a Single Mom 08:00 Losing Her Former Husband and Starting Over 10:00 Finding Community During Difficult Seasons 11:00 Going Back to Nursing School at Nearly 50 15:00 Leaving Full-Time Employment at 60 16:00 How Investing Small Amounts Changed Everything 17:00 Starting Servants Who Care 18:00 Business Lessons Every New Entrepreneur Should Know 19:00 Military Lessons That Built Resilience 20:00 Why You Should Never Quit 21:00 Supporting Veterans and Returning Citizens 22:00 Final Thoughts: Your Story Isn't Over

What does it actually look like to start your life over at 60 — after 32 years of marriage, after losing your identity as a wife, a first lady, and a woman who gave everything to everyone else? Tanya Washington did it, and she didn't just survive — she rebuilt from the ground up. In this episode, Tanya shares how she went from a 498 credit score to a 742, earned two associate degrees later in life, and rediscovered herself after decades of being defined by her roles. Her story is honest, practical, and deeply encouraging for any woman who has ever wondered if it's too late to start again. We cover the identity shift that hits hardest after a long marriage ends, how going back to school gave her a space to just be Tanya, the step-by-step credit journey that changed her financial life, the mindset shift that made rebuilding feel possible, and what she says to women who feel too exhausted or too far behind to even try. If you've been waiting for permission to begin again — this is it. **************************************************** 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 **************************************************** 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/ **************************************************** Tanya's bio and ways to connect: Tanya "Winningatlife" Washington is a transformational voice for women over 60 who are rebuilding their lives after divorce, loss, and major life transitions. A mother of nine, she spent over three decades in marriage before facing the reality of starting over—emotionally, financially, and personally. After her divorce, Tanya rebuilt her life from the ground up—raising her credit score from 498 to 742, returning to college to earn two associate degrees, and creating financial independence on her own terms. Through her content, coaching, and digital products, she now helps women 60+ reclaim their identity, rebuild confidence, and create a clear path forward without feeling overwhelmed. Known for her calm, honest, and no-nonsense approach, Tanya teaches that it’s never too late to start again—and that rebuilding your life is not failure, it’s transformation. Connect with Tanya: Instagram @IAmTanyaWinningAtLife | Facebook: Tanya Winning at Life 0:00 — What Does Starting Over at 60 Really Look Like? 2:00 — Why She Goes By "Tanya Winning at Life" 5:00 — 32 Years of Marriage, Then Starting From Scratch 10:00 — How Going Back to School Helped Her Find Herself Again 16:00 — From a 498 to a 742 Credit Score: The Real Journey 24:00 — Why Community Is the Secret Weapon Nobody Talks About 26:00 — The Mindset Shift That Made Rebuilding Feel Possible 33:00 — What to Do When You Feel Too Old and Too Exhausted to Rebuild 37:00 — What Tanya Is Working on Now and Where to Find Her

Starting over after 50 is not failure, it is a rebuild. In this video on starting over financially after 50, I walk you through three steps to help you get clear, build stability, and choose one priority as you rebuild your finances after divorce, job loss, or any major life disruption. You will learn $ How to get clear on what you have to work with right now $ How to build financial stability after a major disruption $ How to choose one priority instead of trying to fix debt, credit, and savings all at once $ Why starting over is not the same as starting from zero If you are rebuilding your finances after divorce, recovering your credit score, or just trying to feel less behind with money after 50, this video is for you. You are not behind. You are rebuilding with more wisdom, more clarity, and more intention. **************************************************** The free five-minute money mindset reset resource helps you start. The community helps you keep going. *Grab the free download, 5-Minute Money Mindset Reset: https://www.sevtalksmoney.com/wp-content/uploads/2026/06/5-Minute-Money-Reset.pdf 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 **************************************************** 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/ 0:00 Intro: Starting Over After 50 Is Not Failure 0:38 Life Events That Disrupt Your Finances 1:00 Reframe: You're Not Starting From Zero 1:24 Step 1: Get Clear On What You Have 2:58 Step 2: Rebuilding After Divorce: Build Financial Stability 4:12 Reduce Financial Chaos 6:35 Create Predictability With Your Money 9:23 Build Your Emergency Fund 11:14 Step 3: Choose One Priority 12:20 Take One Action Today 13:33 Mistakes To Avoid When Rebuilding 14:00 You Are Not Behind, You Are Rebuilding 14:22 Free 5-Minute Money Mindset Reset to get started 14:37 Join The Wealth Warriors Community to continue the conversation

Have you ever assumed that someone with a degree and a good credit score must have their finances together? Many people assume that a good income, a strong career, or an excellent credit score automatically means financial success. Attorney and financial literacy educator Karlesha Hewitt learned firsthand that this isn't always true. In this episode, Karlesha shares how she paid off nearly $60,000 in debt in two years, the money habits she had to change, and why learning the language of money transformed her life. We discuss financial literacy, debt payoff, budgeting, accountability, money mindset, and practical ways to build lasting financial confidence. **************************************************** 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 **************************************************** 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/ **************************************************** Karlesha's information Karlesha V. Hewitt, Esq. founded WisdomChild Consulting in 2023 with a heart toward equipping people with the tools, resources, and wisdom needed for life changing empowerment and long-term financial stability. Primarily through Financial Literacy Education, she helps people Get Wisdom That Cannot Be Taken! Karlesha's perspective comes from learned and lived experience. After exposure to various perspectives on saving, budgeting, paying off debt, and wealth building as well as practical application, Karlesha paid off close to $60,000 in debt over a two year period (not including student loans). Then she began leading and teaching others through dynamic, interactive, and interpersonal financial literacy workshop courses. Connect with Karlesha: 🌐 wisdomchildconsulting.com 📅 June cohort: search "Money Talks Academy" or "Karlesha Hewitt" on Eventbrite Work she supports: Girls on a Mission with Ambition https://girlsonamissionwa.org/ 00:00 Can You Have a Great Credit Score and Still Struggle With Money? 01:53 Karlesha's $60,000 Debt Wake-Up Call 05:10 The Podcast That Changed Her Financial Life 07:00 Facing Your Financial Reality and Creating a Plan 08:45 Support the Show 09:10 Signs Someone Looks Wealthy but Isn't Financially Healthy 13:05 Financial Shame and Why It Keeps People Stuck 15:20 Staying Motivated When Budgeting Feels Overwhelming 19:10 Faith, Stewardship, and Financial Goals 21:45 Why Community Accountability Matters 25:00 Free Ways to Improve Your Financial Literacy 28:05 Teaching Money Across Different Life Experiences 31:10 Money Talks Academy and Financial Transformation 33:05 Information vs Transformation: Why Action Matters 34:00 Final Thoughts: Learn the Language of Money

In this episode, Dr. Sev sits down with CPA and legacy strategist, Albert Butler, to discuss the emotional, financial, and personal side of money that often gets ignored. Albert shares why internal wholeness has to come before any financial strategy, how to shift from chasing money to chasing purpose, and what Legacy Over Ledgers looks like in real life — especially for someone navigating a major life transition like divorce or retirement. They also discussed practical insights on budgeting, personal cash flow, scaling yourself before scaling a business, and building a financial legacy that goes beyond wealth accumulation. **************************************************** 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 **************************************************** 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/ **************************************************** Albert's information Albert Butler, CPA, MBA is an author, nationally recognized CPA, strategic advisor, and creator of the Legacy Alignment System, a framework designed to help leaders, entrepreneurs, and families align purpose, structure, money, and legacy. With more than 25 years of experience in public accounting, business advisory, and executive financial leadership, Albert has built his career around one core belief: Accounting is the Heartbeat of Business. Check out his book here

Kira Hartley Klinger built her reselling empire one thrift store find at a time as a divorced single mom with no startup capital and no business plan, just the drive to make it work. In this episode, Dr. Sev and Kira get real about free marketing, time management with kids, hard money lessons, and why doing it imperfectly beats not doing it at all. If you've ever wondered whether it's too late to start, Kira's story — from side hustle to Etsy shop to published author to TV — will remind you: it's never too late. You just have to start where you are. **************************************************** 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 **************************************************** 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/ **************************************************** Kira's information: Kira Hartley Klinger is a longtime internet shop owner and the author behind two books (Fabric Wars) that delve into the entertaining and lucrative world of auctions and resale. She is an entrepreneur, reseller, and creative force who built her business from the ground up as a single mom. Contact Kira here: https://www.etsy.com/shop/DodOddity

Doug Lynam spent 20 years as a Benedictine monk before becoming a financial advisor, and that unusual path gave him a front-row seat to something most financial professionals miss entirely. In this episode, Doug explains how your Enneagram personality type shapes the way you earn, save, invest, and give, and introduces his concept of the "sacred wound", the emotional pattern from your past that's been running your money decisions ever since. This isn't about budgets or discipline. It's about understanding why you do what you do, so you can finally start doing something different. **************************************************** 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 **************************************************** 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/ **************************************************** Doug's information: Book Doug as a coach or keynote speaker, purchase his books, or hire him as an investment advisor. His goal is to help you master your money so you can live a life that makes your soul sing. Website: https://www.douglynam.com/ Substack: https://substack.com/@douglynam Facebook: https://www.facebook.com/douglynam/ LinkedIn: https://www.linkedin.com/in/doug-lynam/ Instagram: https://www.instagram.com/douglynam/ YouTube: https://www.youtube.com/@douglynam Amazon Link to Taming Your Money Monster: Nine Paths To Money Mastery With The Enneagram: https://bit.ly/4pvyLvQ Amazon Link to From Monk To Money Manager: A Former Monk’s Financial Guide To Becoming A Little Bit Wealthy – And Why That’s Okay: https://bit.ly/45zwNDC IEQ9 Enneagram Test: https://www.integrative9.com/DougLynam/enneagram/test/individual/

In this episode of the Dr. Sev Talks Money podcast, Dr. Sev and Andy Bennetts, financial empowerment coach, explore why many people struggle with money even when budgeting, paying bills, and trying to do everything right. They break down common money beliefs that may be holding us back, the emotional and mental weight of debt, and how to move from financial overwhelm to financial clarity with simple, practical changes. They also unpack the emotional and spiritual impact of debt, question popular financial advice like “never use a credit card,” and discuss how the banking system profits when we don’t fully understand how money works.   **************************************************** 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 **************************************************** 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/ **************************************************** Andy's information: If today’s conversation inspired you to take charge of your finances, visit EmpowerWealth.Solutions and click Get Started. There you’ll find free tools, resources, and a way to book your own ‘Debt Behind Me, Wealth Before Me’ session. Because debt isn’t a life sentence — you really can change your financial future. Andy Bennetts is a former educator turned financial empowerment coach and the founder of Empowered Wealth Solutions, partnered with United Financial Freedom. He is known for helping families break free from long-term debt, rethink traditional banking math, and build financial futures rooted in faith, stewardship, and freedom. Through his work, Andy helps families eliminate debt years faster, including their mortgage, save tens to hundreds of thousands of dollars in unnecessary interest, and replace financial stress with clarity, peace, and long-term vision using a proven, math-based financial strategy. Website: https://empowerwealth.solutions/ YouTube: https://www.youtube.com/@Empower-Wealth-2024 Facebook: https://www.facebook.com/andy.bennetts.2024

Do you hate your budget, or does your budget hate you? In this episode, Dr. Sev and Linda Grizely unpack why most budgets fail: they're built against your personality, not with it. Linda shares how one simple experiment led to the ME Money Method — a framework that helps you spend without guilt and save without deprivation. You'll discover why your money personality matters more than any spreadsheet, how to give yourself permission to enjoy the money you've worked hard for, and why understanding your emotions around money is the real first step toward financial confidence. **************************************************** 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 **************************************************** 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/ **************************************************** Linda's links Website: https://www.LindaGriz.comInstagram: https://www.instagram.com/lindagrizelyFacebook: https://www.facebook.com/thelindagrizelyLinkedIn: https://www.linkedin.com/in/linda-grizelyYouTube: https://www.youtube.com/@LindaGrizelyResources/Freebies: https://www.lindagriz.com/resources (Free Money Personality and Financial Confidence quizzes and more) Linda's Bio: Linda Grizely (pronounced Grizzly, like the bear) is a personal finance educator, motivational speaker, and the creator of the MeMoney™ method - an approach that helps women stop putting themselves last. Because you can’t build a life you love on a budget you hate. Linda offers online courses in all things personal finance, blending practical tools with deep emotional clarity. A former teen mom who went back to college at 48 and built a multi six-figure financial career, she now helps women reclaim financial confidence and think bigger about what’s possible. She’s a personal growth junkie - continually learning -consistently working on leveling up - and always trying to think bigger

What does it really mean to be financially ready, and where does insurance fit into that picture? In this episode, Dr. Sev talks with Tony Steuer, financial fluency advocate and insurance expert, about how to approach insurance decisions with clarity and confidence. They discuss: Financial fluency vs. financial literacyThe role of insurance in financial readinessTerm vs. whole life insuranceRed flags in popular insurance marketing strategiesWhy liquidity and long-term costs matterThe often-overlooked importance of disability insuranceIf you’ve ever felt unsure about insurance or overwhelmed by your options, this episode will help you slow down, ask better questions, and make more intentional decisions. **************************************************** 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 **************************************************** 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/ **************************************************** Tony's links Website: www.tonysteuer.com LinkedIn: www.linkedin.com/in/tonysteuer The Get Ready Money Podcast: Apple Podcasts: https://podcasts.apple.com/us/podcast/the-get-ready-money-podcast/id1480046083 YouTube channel: https://youtube.com/tonysteuer Books: Get Ready! (Financial document organizer) Questions and Answers on Life Insurance Insurance Made Easy Tony's Bio: Tony Steuer, CLU, LA, CPFFE is an internationally recognized financial fluency advocate, award-winning author, and host of The Get Ready Money Podcast. As the founder of The Get Ready Movement, Tony is leading a shift in how we think about money—not just as numbers, but as a tool for living a more intentional and empowered life. Through his books, podcast, curated recommendations, and expert insights, Tony helps financial professionals, educators, and individuals ask better questions, foster meaningful money conversations, and take purposeful action. He serves as an advisor to Insurance Nerds and Dingo Technologies. Tony’s thought leadership has earned recognition as a Finalist in ThinkAdvisor’s LUMINARIES Class of 2022 for Thought Leadership & Education. He has served as a Judge for the Plutus Awards, the MAIA Awards and the 2023 Finder Innovation Awards, and as a longtime member of the California Department of Insurance Curriculum Board. A trusted voice in the media, Tony contributes as an expert content reviewer for Nerdwallet, Bankrate, and Forbes Advisor, and has been featured by ABC’s Seven on Your Side, CNBC, Cheddar TV, The New York Times, Washington Post, Fast Company, Chicago Tribune, and Fox Business News.

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. **************************************************** 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 **************************************************** 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/ **************************************************** 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.

More money does not fix money problems. It reveals them. So why does earning more still leave so many people feeling stuck? In this episode, Dr. Sev sits down with returning guest Ashlee Edwards, attorney and private money lender, to talk about why income alone is not enough. They break down common mistakes people make when trying to earn more, what cash flow really means in everyday life, and how to start making your money work more intentionally. If you’ve ever worked hard, earned more, and still felt behind, this conversation will help you understand why—and what to do next. Ashlee Edwards helps professionals build wealth through intentional private money lending, with a focus on legal clarity, risk awareness, and sustainable returns. Women on the Move is a Women's History Month series highlighting women who are building, leading, and redefining success on their own terms. **************************************************** 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 **************************************************** Join Ashlee's Accelerators here: *PRIVATE MONEY LENDING ACCELERATOR (MAY 2026 COHORT): https://genfinity.thrivecart.com/pmlamay26/?affiliate=drsev *PRIVATE MONEY LENDING ACCELERATOR (AUGUST 2026 COHORT): https://genfinity.thrivecart.com/pmlaaug26/?affiliate=drsev Instagram: instagram.com/lndrsnfrnds Facebook: https://www.facebook.com/lndrsnfrnds YouTube: https://www.youtube.com/@ashealways Website: https://lndrsnfrnds.com/ **************************************************** 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/

Money stress doesn't just affect your bank account. It affects your peace, your relationships, and the stories you carry about what you deserve. In this live episode of Dr. Sev Talks Money, I sat down with LaQueshia Clemons, LCSW, TOM®, AFC®, a Financial Therapist and founder of Freedom Life Therapy and Wellness, for a conversation that goes beneath the surface. LaQueshia brings something rare to this space. She blends clinical therapy with financial education to help us understand the emotional side of money in a way that actually leads to healing and change. Women on the Move is a Women's History Month series highlighting women who are building, leading, and redefining success on their own terms. **************************************************** 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 **************************************************** Connect with LaQueshia here: Website: www.freedomlifetherapy.com LinkedIn: https://www.linkedin.com/in/laqueshiaclemons/ Instagram: https://www.instagram.com/themoneytherapist_1/ **************************************************** 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/

In this episode of Dr. Sev Talks Money, I sit down with Dr. Amirra Condelee, a pediatric occupational therapist turned fintech founder, to discuss the hidden wealth gap affecting many high-achieving professionals. Together, we discuss the financial pressures many successful professionals quietly face, the mindset shifts needed to build wealth, and why financial literacy is critical for closing the gap between looking successful and feeling financially secure. After paying off more than $500,000 in student loan debt, Dr. Amirra and her husband co-founded RouteFin, a financial marketplace designed to connect healthcare professionals with trusted financial experts, resources, and education all in one place. In this conversation, we cover: • Paying off $500K in student loan debt and the lessons that came with it • The financial literacy gap in healthcare and other high-income professions • Why success on paper doesn't always translate to financial security • How mindset and money habits shape long-term wealth • The mission behind RouteFin and helping professionals navigate their financial lives Women on the Move is a Women's History Month series highlighting women who are building, leading, and redefining success on their own terms. Connect with Dr. Amirra Condelee Website: www.routefin.com (release to public, March 13, 2026) Email: [email protected] **************************************************** Join Dr. Sev's free community for women here: https://www.skool.com/wealth-warriors-community-1025/about?ref=98f6434472254253b84ed49d2cce7860 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/

In this episode of Dr. Sev Talks Money, I’m joined by attorney and private money lender Ashlee Edwards to explore private money lending, what it is, how it works, and how it differs from investing in stocks or owning rental property. Private lending is often misunderstood. Some see it as risky. Others confuse it with syndications or hard money lending. Ashlee brings clarity to the conversation by breaking down secured vs unsecured loans, risk mitigation strategies, and how professionals can use capital more intentionally. We also discuss: • The difference between a loan and an equity investment• How to protect your principal before funding a deal• Questions cautious investors should ask• A costly $35,000 investing mistake — and the lessons behind it• Why financial clarity matters more than hype If you’re curious about alternative wealth-building strategies beyond traditional saving and investing, this episode offers practical insight and a grounded perspective. This conversation is part of the Women on the Move series, highlighting women expanding access to financial knowledge and strategy. Connect with Ashlee here: *Instagram: instagram.com/lndrsnfrnds *Facebook: https://www.facebook.com/lndrsnfrnds *YouTube: https://www.youtube.com/@ashealways *Website: https://lndrsnfrnds.com/ *Program (if applicable): JOIN THE MAY 2026 ACCELERATOR https://genfinity.thrivecart.com/pmlamay26/ *Community (free course for those curious but not quite ready): JOIN THE FREE COURSE https://bit.ly/areyoubuilt **************************************************** Join Dr. Sev's free community for women here: https://www.skool.com/wealth-warriors-community-1025/about?ref=98f6434472254253b84ed49d2cce7860 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/