Heads up: at the end of this post, I’m giving you a rare chance to ask my CPA/CFP husband your anonymous money questions. For real.
You can’t budget your way to peace.
You can cut the extras.
Cancel the camps.
Clip the coupons.
Shop the sales.
But if you’re doing all that
with fear in your chest?
You won’t feel the peace you're chasing.
And right now?
Fear is the headline.
Grocery bills are up.
Summer plans are paused.
The “experts” are spiraling.
And you're just trying to hold it together
without letting anyone know you're afraid
you won’t.
I usually talk about time.
But this isn’t just about time.
This is about what creeps in when you hand over your card at checkout
while simultaneously praying that it goes through.
Because even when you know the money’s there, that beep might as well be an EKG.
And you’re not breathing until it clears.
Yes, I believe in rest.
But what good is rest when your mind is doing math in the background of every moment?
I’m not the money person in this house.
My husband, Steve, is literally a financial advisor.
But I’ve been the one on the other side of the overdraft.
I’ve maxed out credit cards in college because I didn’t know how credit worked.
We’ve lost our home and all our material possessions to two Cat 5 hurricanes.
We’ve maxed out insurance caps trying to heal my body from Stage 2 cancer.
We’ve rebuilt.
And rebuilt again.
So no, this isn’t advice.
It’s a window.
An invitation.
A woman saying “same, mama.”
We considered moving to a bigger place.
It was nice.
Shinier.
Bigger.
An easy “yes” on paper.
But it was also $500 more a month.
We could’ve done it.
But would it have cost us more than money?
After a few long conversations, we said no.
Which meant we said yes to keeping $6,000 in our pocket this year.
For tuition.
For rest.
For margin.
For whatever comes next.
This isn’t about lack.
This is about stewardship.
Clarity.
Control that comes from peace, not panic.
In the next few notes, I want to talk about what really gets in the way of wise decisions.
It’s not just numbers.
It’s emotions.
Coping.
Comparison.
Urgency disguised as need.
And if we don’t name those things, we’ll keep buying solutions that don’t solve anything.
This isn’t about cutting everything.
It’s about funding what matters
and protecting what sustains you.
We’re not just managing money.
We’re managing capacity.
And you, mama, you need space.
Financially.
Emotionally.
Spiritually.
I’m not done talking about time.
I’m just looking at it through a different lens.
Because if you're worried about paying for groceries, you're not hearing the rest.
And I get it.
I care about my family.
But I care about yours too.
So let’s stop pretending we're fine when we’re all a little tired of holding the line.
We’re not panicking.
We’re preparing.
Because the goal isn’t just to save.
The goal is peace.
You’ve got burning questions?
My husband Steve is a CPA, a CFP, and the founder of the first digital estate planning platform in the USVI. He’s been doing this money thing for over two decades and he’s really good at it.
Which is why I’ve convinced him to join me on the podcast to answer your questions.
And here’s the best part:
You can ask anonymously.
If you've got questions about budgeting, saving, planning, or even just “what should I be thinking about right now?” this is your chance to hear from someone who actually knows what he’s talking about.
Get your questions in by next Sunday, May 25th! Trust me, you don’t want to miss this.
PS:
I didn’t name this the Wellthy Mama.
God did.
And clearly He had more in mind than just time blocks and to-do lists.
So here we are.
Talking about money.
(Figures.)