Personal Finance With Molly
Where money, mindset, and behavior intersect!
Episodes
38 episodes
The Psychology of “Enough” — Why Financial Satisfaction Is Elusive
Why does financial satisfaction feel so hard to reach—even when income rises, savings grow, and goals are met?In this episode, we explore why humans are cognitively bad at recognizing sufficiency, and how modern money systems quietly exp...
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Episode 38
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9:32
Emotional Regulation as the Foundation of Personal Finance
Episode SummaryMost people don’t struggle with money because they’re bad at math. They struggle because they’re overwhelmed, stressed, anxious, or emotionally exhausted.In this episode, we explore why emotional regulation—n...
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9:41
Rebuilding Financial Self-Trust: Why motivation fails — and trust is what actually changes money behavior
If motivation actually worked, most people wouldn’t still be stuck with money.In this episode, we explore financial self-trust — the missing link between knowing what to do and actually doing it. Instead of relying on willpower, d...
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Episode 36
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7:52
Financial Thought Distortions: Why your money problems aren’t just about dollars — they’re about distorted thinking
Most people don’t make bad money decisions because they’re irresponsible — they make them because they’re thinking about money in distorted ways.In this episode, we take a Cognitive Behavioral Therapy (CBT) lens to personal fina...
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10:36
Wealth Is Just a Race Between Your Impulses and Your Planning
Episode SummaryWhy do smart people still struggle with money? Because wealth isn’t about knowledge—it’s about behavior. In this episode, we explore wealth through a behavioral finance lens and explain why financial success is real...
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Episode 34
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12:00
New Year, New Systems: How to Reset Your Finances (A Behavioral Finance Approach)
Episode Description: Most financial New Year’s resolutions fail—not because people are bad with money, but because they rely on willpower instead of behavior. In this episode, we break down how to reset your finances using behavioral...
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Episode 33
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9:47
Part 2: FOMO-Proof Your Money: How to Build Decision Systems That Protect You From Yourself
Understanding behavioral finance doesn’t eliminate bias.What actually protects you is systems.Behavioral finance teaches us something humbling:You will not outthink your emotions in the moment.When urgency hit...
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Episode 32
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11:48
Part 1: When FOMO Turns Toxic: The Financial Behaviors That Quietly Sabotage Your Life
Fear of Missing Out — FOMO — doesn’t feel toxic when you’re in it. It feels exciting. Urgent. Smart, even.It whispers things like: “Everyone else is doing this.” “If you don’t act now, you’ll regret it.”
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Episode 31
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13:55
Why Losing Money Hurts More Than Winning Feels Good (And How It Quietly Shapes Your Financial Life)
If I offered you two choices right now— Option A: You gain $100. Option B: You lose $100.Which one grabs your attention more?Most people say the loss.Not because it’s logical. Not because it’s big...
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Episode 30
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12:12
Waiting For the Right Time is Wasting Time
Waiting for the “perfect moment” to start saving, investing, or budgeting is a trap that silently steals time, growth, and confidence. In this episode, we explore why ideal timing rarely exists, how procrastination disguised as preparation can ...
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10:01
Excuses Don't Pay Bills
Excuses feel safe, but they don’t pay bills. In this episode, we explore why excuses hold us back financially, how they distort spending and saving decisions, and how consistent action — even small steps — builds real financial freedom.Y...
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Episode 28
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13:15
Comparison Kills Joy
Comparison silently sabotages your financial journey. In this episode, we explore why comparing your money, spending, and financial milestones to others kills joy and clouds judgment — and how shifting your focus to your own path can restore pe...
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Episode 27
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11:13
Setbacks are Teachers, Not Punishments
Setbacks aren’t failures — they’re lessons. In this episode, we explore how missed goals, unexpected expenses, and market dips can be your most valuable teachers.You’ll learn how to shift your mindset from shame to curiosity, how to turn...
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Episode 26
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14:23
The Best Investment is in Yourself
Your greatest appreciating asset isn’t your 401(k), your real estate, or your portfolio — it’s you.In this episode, we explore what it really means to “invest in yourself” — not as a cliché, but as a core principle of financial ...
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Episode 25
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13:59
Small Steps Compound Into Big Wins!
Big wins don’t come from massive leaps — they come from tiny, consistent steps that add up over time. In this episode, we explore the quiet power of compounding — not just in your money, but in your mindset.You’ll learn why small steps s...
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Episode 24
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13:49
Consistency Turns Average Into Unstoppable
Today we’re diving into one of my favorite truths about both life and money:👉 Consistency turns average into unstoppable.Now, I know that might sound like one of those Instagram motivational quotes — but stick with me, beca...
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Episode 23
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10:51
Discipline Beats Motivation!
Today we’re talking about one of the hardest, most misunderstood truths in personal finance — and in life:Discipline beats motivation.Because let’s be honest — we all love the feeling of being motivated. Motivation...
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Episode 22
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15:15
Failure is Data, Not Defeat
Today we’re talking about something we all know intellectually but struggle to live out emotionally:Failure is data, not defeat.Now, I know that sounds like a motivational poster, but stay with me — because when it comes to...
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Episode 21
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17:36
Gratitude Turns a Little Into Enough
Today we’re diving into a powerful idea — one that has more to do with mindset than math: Gratitude turns a little into enough.It sounds simple, even cliché at first. But if you’ve ever felt that quiet frustration of “I s...
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Episode 20
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13:04
Money is a Tool - Not the Goal
Today we’re unpacking one of the most freeing — and at the same time, challenging — ideas in personal finance: Money is a tool, not the goal.Now, you’ve probably heard that phrase before. It sounds nice on a quote card or...
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Episode 19
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11:51
Making Money vs. Holding Onto Money — The Two Sides of Wealth Most People Get Wrong
Today we’re talking about one of my favorite truths in personal finance:👉 Making money is only half the game. The other half is learning how to hold onto it.It sounds simple, right? But it’s one of the biggest financial b...
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Episode 15
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9:26
Am I being frugal… or just plain cheap?
It’s one of those lines that can feel blurry. Because being careful with your money sounds wise, right? But sometimes that same caution crosses into territory that can actually cost you — not just in dollars, but in relationships, opportunities...
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Episode 18
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11:22
Money Milestones That Prove You’re Crushing It!
Today’s episode is for anyone who’s ever wondered, “Am I actually doing okay with my money?”Because here’s the truth — personal finance can feel like a moving target. The more you learn, the more goals appear on the horizon. And...
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Episode 17
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9:36
Focus on What You Can Control: The Real Secret to Financial Peace
Today, we’re talking about something deceptively simple — and yet it might be the most important mindset in all of personal finance:👉 Focus on what you can control.We live in a world where money feels unpredictab...
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Episode 16
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10:03
5 Hard Truths About Personal Finance Nobody Talks About
Today, we’re getting real — like, uncomfortably real. Because the truth is, personal finance isn’t all about spreadsheets, savings hacks, and investing apps. Sometimes, it’s about facing the hard stuff — the kind of truths nobo...
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Episode 14
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9:06