P$yFi | Psychological Finance

About P$yFi | Psychological Finance

P$y-Fi is the podcast where psychology and finances collide. Host Olivia Pierce, M.S., LPC, AFC® — a licensed professional counselor, Accredited Financial Counselor® and financial readiness program manager at Redstone Arsenal — explores the mental and emotional patterns behind how we earn, spend, save, give and grieve money. Episodes range from multi-part deep dives on financial intimacy in marriages, financial wounds and money as a weapon, compulsive spending and the mental health toll of debt — to interviews with attorneys, clinicians and financial planners who speak honestly into the messier corners of life: estate planning, raising financially literate kids, distress tolerance and the quiet decisions that compound over a career. Built for federal employees, military families and anyone tired of hearing personal finance reduced to a budgeting app. No clickbait. No get-rich-quick. Just the unglamorous, deeply human work of changing how you think about money. Views shared on P$y-Fi are Olivia's own and do not represent the Department of the Army or the Department of Defense. New episodes drop every other week. Subscribe wherever you listen, and if an episode helps you breathe a little easier, leave a rating. It's how more people stuck in the same rut find their way here. *The information provided in this podcast does not constitute a formal endorsement of any company, its products, or services by the military. Specifically, the appearance or use of external hyperlinks does not constitute endorsement by the military of the linked websites, or the information, products, or services contained therein. The military does not exercise any editorial control over the content you may find in these resources. The intent is to provide informative material to assist Soldiers and their families in identifying or exploring multiple options.

Publisher

The Redstone Rocket

Category

education · health & fitness

Language

en

Explicit

No

First episode

6 Jul 2022

Latest episode

24 Sept 2026

Latest episodes

98 episodes in the feed.

1. 

   24 Sept 2026

   Breaking the Cycle of Financial Avoidance, Part 1

   In this episode, Olivia explores analysis paralysis and avoidant financial behaviors that keep people stuck. Drawing from Money Mammoth by Ted and Bradley Klontz with Dr. Edward Horwitz, Olivia distinguishes financial denial (a mindset of not thinking about money) from the avoidance behaviors it fuels. Symptoms include fear of opening statements, chronic budgeting procrastination, and a general sense of financial malaise. We also examine the Beyond Basic Pay campaign that challenges us to look at ‘total compensation,’ negating common poverty narratives. Financial flashpoints from family experiences and cultural events shape our money scripts, which in turn drive behavior and outcomes. A simple reflection exercise invites listeners to compare their most pleasant and painful money memories. This is Part 1 of a two-part series; Part 2 will dive into specific money scripts and personalized action steps. One-Op Webinar: 2026 Military Personal Finance Year in Review (https://urldefense.proofpoint.com/v2/url?u=https-3A__oneop.org_learn_160157_&d=DwMFAg&c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&r=v5E4EACwQq-YEMUsW1zqNQ8ltwPzZycoDxtV30jjm_jnAiOXW-KWxwl9HJHBETYj&m=0C273vmTLOIDKkCJAtORCKLTeBjfA6b6Sb4F9PqHOTyKE3H4oQLpxTC1Uj0BLibz&s=2oC43m_6XRUT8Ohke9SsAqGDRIhBskujlOqGQX99UXQ&e=) Beyond Basic Pay Campaign (https://urldefense.proofpoint.com/v2/url?u=https-3A__militarypay.defense.gov_Compensation-2DEducation_&d=DwMFAg&c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&r=v5E4EACwQq-YEMUsW1zqNQ8ltwPzZycoDxtV30jjm_jnAiOXW-KWxwl9HJHBETYj&m=0C273vmTLOIDKkCJAtORCKLTeBjfA6b6Sb4F9PqHOTyKE3H4oQLpxTC1Uj0BLibz&s=T01RuxR3je6ObmhQOub52QfBHRRGVOjP_-jADP0KmyY&e=)

2. 

   10 Sept 2026

   Chronic Debt-Flammation: Net Worth’s Silent Killer

   In this episode, Olivia diagnoses "debt-flammation"—the chronic financial pain caused by poor budgeting, high credit utilization, and financial inactivity. We explore the crucial differences between healthy, planned borrowing and toxic, status-driven borrowing that systematically drains your net worth. Olivia breaks down how to calculate your Debt-to-Income (DTI) ratio, offering a traditional metric for self-diagnosis. You will also discover the structural differences between credit reports and scores and learn the sobering reality of credit usage statistics [hint: we can’t just blame Covid and inflation]. Finally, the episode prescribes both advanced therapeutics like Power Pay and daily behavioral protocols to help you reclaim your financial agency. Tune in to discover your legal consumer safeguards and learn how to secure an accountability partner to prevent a relapse into chronic debt. Addressing Chronic Financial Pain, Part 1 (https://urldefense.proofpoint.com/v2/url?u=https-3A__rss.com_podcasts_psyfi_2437743_&d=DwMFAg&c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&r=v5E4EACwQq-YEMUsW1zqNQ8ltwPzZycoDxtV30jjm_jnAiOXW-KWxwl9HJHBETYj&m=OJPIBgtRQ2Beh4KBVn_0UjYBPF_nbN1zHp7lxWcqz74Vp5TynL9oGxb23aO1mEuF&s=yplebfo32ZEnlZKeaqZpbPcCYm0g3kh-zxmH3S2ppc8&e=) PowerPay Debt Reduction Tool (https://urldefense.proofpoint.com/v2/url?u=https-3A__extension.usu.edu_powerpay_&d=DwMFAg&c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&r=v5E4EACwQq-YEMUsW1zqNQ8ltwPzZycoDxtV30jjm_jnAiOXW-KWxwl9HJHBETYj&m=OJPIBgtRQ2Beh4KBVn_0UjYBPF_nbN1zHp7lxWcqz74Vp5TynL9oGxb23aO1mEuF&s=mvWfn6mpczLFENcxdZIIX3S9l1l7ZGcv5QRvFVtA-l4&e=)

3. 

   27 Aug 2026

   Finfluencers, Lawfluencers, and AI: Are You Consumer Aware? Part 3

   In this final installment of our finfluencer series, host Olivia and Legal Assistance Attorney Emily Baggett expose the alarming financial and psychological costs of uncredentialed online advice. We break down eye-opening fraud statistics from the FTC and CFP Board. We even examine real-world military-targeted scams for good measure. The episode delves into the "uncanny valley" of social media, unmasking the deceptive practices of "financial flexing" and online exaggeration. To help you safely evaluate advice, we introduce the P.A.C.E. framework—evaluating Purpose, Authority, Cost, and Evidence—alongside the rigorous "two-source rule." We also compare the safety of regulated, fiduciary professionals vs. social media "attention professionals" who lack fiduciary duty. Finally, we lay out five tried-and-true evidence-based pillars of financial wellness to help you build lasting, long-term wealth. Federal Trade Commission & Scam Reports (https://urldefense.proofpoint.com/v2/url?u=https-3A__www.ftc.gov_&d=DwMGaQ&c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&r=v5E4EACwQq-YEMUsW1zqNQ8ltwPzZycoDxtV30jjm_jnAiOXW-KWxwl9HJHBETYj&m=TGLadOZD99fXI2eHTcR7dQhceix3JzT4_vDCkVxIpK0LQjO3OoEVWsRReQ3KaRpg&s=sM7E6hgDtGMp16D6RVfr3zLk5BvyQYcZ9JBR7pmLXUk&e=) FBI Scams & Safety (https://urldefense.proofpoint.com/v2/url?u=https-3A__www.fbi.gov_how-2Dwe-2Dcan-2Dhelp-2Dyou_scams-2Dand-2Dsafety&d=DwMGaQ&c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&r=v5E4EACwQq-YEMUsW1zqNQ8ltwPzZycoDxtV30jjm_jnAiOXW-KWxwl9HJHBETYj&m=TGLadOZD99fXI2eHTcR7dQhceix3JzT4_vDCkVxIpK0LQjO3OoEVWsRReQ3KaRpg&s=qBixZkfEW5PgXZnEkxRkMPX2BGpYggez1JhIs5Snj78&e=) P$yFi Episode: Fraud Pathology: Why Smart, Capable People Still Fall for Scams (https://urldefense.proofpoint.com/v2/url?u=https-3A__rss.com_podcasts_psyfi_2681538_&d=DwMGaQ&c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&r=v5E4EACwQq-YEMUsW1zqNQ8ltwPzZycoDxtV30jjm_jnAiOXW-KWxwl9HJHBETYj&m=TGLadOZD99fXI2eHTcR7dQhceix3JzT4_vDCkVxIpK0LQjO3OoEVWsRReQ3KaRpg&s=5UWdHI3EA3zTdgl5QmDSakOmcd6sWjVZyHqrQ1olPlg&e=) FINRA Broker Check (https://brokercheck.finra.org/) Barred Brokers (https://www.finra.org/rules-guidance/oversight-enforcement/individuals-barred-finra) Check Out Your Investment Professional (https://www.investor.gov/introduction-investing/getting-started/working-investment-professional/check-out-your-investment-professional) Alabama Bar Attorney Lookup (https://members.alabar.org/Member_Portal/Member_Portal/Member-Search.aspx) All Other Attorney States (https://www.americanbar.org/groups/legal_services/flh-home/flh-lawyer-licensing/)

Reach and audience

Public platform figures. Ratings count people who left a rating, not total listeners.

Apple Podcasts (US)

4.4 / 5

7 ratings

Spotify

5.0 / 5

2 ratings

Podcast Authority Score: 31 / 100

A composite of feed quality, social presence, YouTube performance and engagement. Read the methodology.

Quality

36

Social presence

0

YouTube

0

Engagement

67

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Books guests

Based on episode analysis; this does not confirm that the show is currently accepting guests.

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