Quiet Minds, Rich Lives.

About Quiet Minds, Rich Lives.

Your mental health and your finances are more connected than you think. Quiet Minds, Rich Lives is here to help you build a healthier mind and a wealthier life, one episode at a time.

Publisher

Michael

Category

education · health & fitness

Language

en

Explicit

Yes

First episode

24 Apr 2026

Latest episode

26 Jun 2026

Latest episodes

14 episodes in the feed.

1. 

   26 Jun 2026

   09 | Good Debt Vs Bad Debt

   We’ve all heard the phrase “good debt” and “bad debt,” but is it really that simple? In this episode of Quiet Minds, Rich Lives, I break down the truth behind these labels and offers a more practical, emotionally aware way to think about debt. You’ll learn the key differences between productive, neutral, and destructive debt, how interest rates and cash flow impact your financial health, and why your mindset around debt may matter more than the numbers themselves. Backed by research from sources like the Federal Reserve, CFPB, APA, and behavioral finance studies, this episode helps you move beyond shame and into strategy. Whether you’re managing credit cards, considering a mortgage, or navigating student loans, this conversation will help you make clearer, more confident decisions about your financial future. If you would like to book an appointment with myself, and/or want to follow me on social media as well, my information is: Website: QuietMindsFC.com (http://QuietMindsFC.com) Instagram: https://www.instagram.com/quietmindsfc/ (https://www.instagram.com/quietmindsfc/) Facebook: https://www.facebook.com/quietmindsfc (https://www.facebook.com/quietmindsfc)

2. 

   25 Jun 2026

   Picking Up the Pieces | w/ FinCoach Jessica Duncan | (Bonus)

   This episode is a really real conversation about what happens when life forces you to figure things out before you feel ready. Our guest, Jessica, shares what it was like to go from financial stress in her marriage to suddenly being the only one responsible for everything after losing her husband. With three kids depending on her, she had to make big financial decisions while also dealing with grief, uncertainty, and a lot of pressure. We talk about what those early moments looked like, how her relationship with money started to shift, and what it actually takes to go from just trying to get by to feeling confident and in control. Now, she helps other women do the same, not just with their finances, but in how they see themselves and what they believe they’re capable of. Jessica's Information: Website: https://www.risingphoenixcoach.com/ (https://www.risingphoenixcoach.com/) Instagram: https://www.instagram.com/risingphoenixcoach/ (https://www.instagram.com/risingphoenixcoach/) Facebook: https://www.facebook.com/profile.php?id=61564678494519 (https://www.facebook.com/profile.php?id=61564678494519) YouTube: https://www.youtube.com/@risingphoenixcoach (https://www.youtube.com/@risingphoenixcoach) If you would like to book an appointment with myself, or want to follow me on social media as well, my information is: Website: QuietMindsFC.com (http://QuietMindsFC.com) Instagram: https://www.instagram.com/quietmindsfc/ (https://www.instagram.com/quietmindsfc/) Facebook: https://www.facebook.com/quietmindsfc (https://www.facebook.com/quietmindsfc)

3. 

   19 Jun 2026

   08 | Understanding Credit Scores

   This episode breaks down credit scores in a way that finally makes sense. Without the overwhelm, confusion, or shame. We cover what a credit score actually is, the five key factors that impact it, and how it affects your everyday life; from interest rates to housing opportunities. More importantly, we explore the emotional side of credit: the anxiety, avoidance, and self-judgment that often come with it. If you’ve ever felt stuck, embarrassed, or unsure where to start when it comes to your credit, this episode will help you reframe your mindset and take simple, practical steps forward. Sources referenced include FICO, Experian, the Consumer Financial Protection Bureau (CFPB), the Federal Reserve, and the National Association of Insurance Commissioners (NAIC). If you are looking for a coaching session, go to QuietMindsFC.com (http://QuietMindsFC.com) My social media handles are QuietMindsFC

4. 

   18 Jun 2026

   A Honest Conversation | w/ Bethany from Addictive Personalities Podcast | (Bonus)

   In this episode of Quiet Minds, Rich Lives. I have a honest chat with Bethany from Addictive Personalities. I go more in depth with my past, and my history surrounding mental illness. This episode is not scripted, and may be a little too personal. However, I have nothing to hide, and want this platform to be as honest as possible. If you are looking for coaching sessions, please visit: quietmindsfc.com (http://quietmindsfc.com) You can find me on social media such as Facebook and Instagram at QuietMindsFC A link to Bethany's podcast and YouTube Channel: https://podcasts.apple.com/us/podcast/addictive-personalities/id1889906667 (https://podcasts.apple.com/us/podcast/addictive-personalities/id1889906667) https://youtube.com/@addictivepersonalitiespodcast?si=OaPmwOZJmUPVMINv (https://youtube.com/@addictivepersonalitiespodcast?si=OaPmwOZJmUPVMINv)

5. 

   15 Jun 2026

   You Are Not Broken, You Are Becoming! | w/ Dr Szabla | (Bonus)

   What if the reason you keep hitting a wall, whether that is financially, emotionally, professionally, has nothing to do with your strategy, your discipline, or your drive? What if it goes deeper than that? All the way down to your nervous system? In this powerful episode of Quiet Minds, Rich Lives, I sit down with Dr. Kristen Szabla. Who is a neuroscientist, TEDx speaker, trauma and neuroplasticity expert, and founder of Transforming Pain Now. Dr. Szabla is a survivor of severe childhood trauma who spent over a decade researching fear circuitry, emotional regulation, anxiety, depression, and neuroplasticity. She now uses that science, and that lived experience, to help people break free from the invisible patterns that keep them stuck in survival mode and step into what she calls Authentically Empowered Thriving. Whether you are actively healing from trauma, quietly struggling beneath a successful surface, or simply trying to understand why certain patterns in your life just won't budge; this conversation will meet you exactly where you are. Because here is what Dr. Szabla wants every single person listening to know: Trauma responses are not evidence that you are broken. They are evidence that your nervous system adapted to survive. And what the brain learned through trauma… it can learn differently through healing. This one is for you.

6. 

   12 Jun 2026

   07 | Zero-Based Budgeting, Simply Explained

   What if the secret to financial calm wasn’t earning more, but finally knowing where it all goes? In this episode of Quiet Minds, Rich Lives, I break down zero-based budgeting as simply as possible. This isn’t just a lesson in spreadsheets. It’s a conversation about why money anxiety lives in the body, why most budgets fail before February, and how giving every dollar a job can be one of the most meaningful acts of self-care you’ll ever practice. If you’ve ever gotten to the end of the month wondering where it all went, this episode is for you. Resources: Northwestern Mutual 2025 Planning & Progress Study Nearly 70% of Americans Say Financial Uncertainty Has Made Them Feel Depressed and Anxious — PR Newswire, June 3, 2025 (https://www.prnewswire.com/news-releases/nearly-70-of-americans-say-financial-uncertainty-has-made-them-feel-depressed-and-anxious-according-to-northwestern-mutual-2025-planning--progress-study-302471675.html) American Psychological Association — Stress in America Survey (2007–present) Stress in America: Paying With Our Health — (https://www.apa.org/news/press/releases/stress/2014/financial-stress)APA.org (http://APA.org) (money as consistent #1 stressor since 2007) (https://www.apa.org/news/press/releases/stress/2014/financial-stress) Neuroscience of Handwriting & Memory Retention The Neuroscience Behind Writing: Handwriting vs. Typing — NIH / PMC (Marano et al., 2025) (https://pmc.ncbi.nlm.nih.gov/articles/PMC11943480/) Tools: YNAB (You Need A Budget) — youneedabudget.com (http://youneedabudget.com) EveryDollar — everydollar.com (http://everydollar.com) Notebook / printed budget sheet (pen & paper method) Spreadsheet (Google Sheets or Excel) Where to find me: Website: QuietMindsFC.com (http://QuietMindsFC.com) Instagram: @QuietMindsFC Facebook: facebook.com/quietmindsfc (http://facebook.com/quietmindsfc)

7. 

   5 Jun 2026

   What Is A Budget And Why Does Mine Never Work?

   Have you ever made a budget, followed it for two weeks, and then watched it fall apart? You're not bad with money, your budget probably just wasn't built for your real life. In this episode, we bust the biggest myths about budgeting, explore the psychology of why traditional approaches fail, and walk through three flexible, realistic methods you can actually stick to. No shame, no spreadsheets with 47 categories, just practical tools that work with your actual brain. Resources Mentioned: YNAB (You Need a Budget) — ynab.com (http://ynab.com) All Your Worth by Elizabeth Warren & Amelia Warren Tyagi (origin of 50/30/20) Where you can find more about me: My website- QuietMindsFC.com (https://quietmindsfc.com/) My Etsy Shop- Esty.com/QuietMindsFC (https://www.etsy.com/shop/QuietMindsFC?ref=shop_sugg_market)

8. 

   3 Jun 2026

   Being In The Moment And Not Taking Life For Granted | w/ Jon "Sales-Warrior" Sansone | (Bonus)

   My guest on today's episode is Jon "Sales-Warrior" Sansone. Jon speaks about many topic during our interview, Such as loss, finding purpose, faith, and so much more. Jon can be found at: Saleswarriorinspire.com (http://Saleswarriorinspire.com) And his handles for social media is: Jon Saleswarrior You can find more information about me, here at QuietMindsFC.com (http://QuietMindsFC.com) If you need a budget, but don't know how to make one, I have you covered here: https://tinyurl.com/5n6e8psb (https://tinyurl.com/5n6e8psb)

9. 

   1 Jun 2026

   What Your Stress Is Actually Trying To Tell You | w/ Nicole Hope Sylvester | (Bonus)

   Nicole Hope Sylvester is the author of Calm Is Power and a Stress Fluency educator whose work centers on one powerful idea: stress signals are data. Not something to fight against, but something to understand. We talked about: ~ Why calm is a learnable skill, not a personality type ~ The three core drivers of human behavior: the body, emotions, and beliefs ~ How to respond instead of react when life gets hard ~ Why nature is one of the most underused tools for emotional regulation This one is grounded, warm, and genuinely useful. To fine Nicole and her book, you can go to CalmIsPower.com You can find more information here at QuietMindsFC.com (http://QuietMindsFC.com) If you need a budget, but don't know how to make one, I have you covered here: https://tinyurl.com/5n6e8psb (https://tinyurl.com/5n6e8psb)

10. 

    22 May 2026

    Where Do I Even Start?

    If the words "budget," "savings," or "investing" make your stomach drop, then this one's for you. Most of us were never taught how money actually works. No class, no manual, no map. Just the vague sense that everyone else figured it out and somehow you missed it. You didn't. The system just failed to tell you. In this episode, we strip everything back to the five steps that actually matter when you're starting from zero: taking an honest look at where you are right now, building a budget you won't hate, creating a starter emergency fund, making a plan for your debt, and planting the first seed for your future self. No shame. No "you should have started sooner." Just a clear, calm starting point and the reminder that beginning from where you actually are is the only place anyone ever starts. You can find more information here at QuietMindsFC.com If you need a budget, but don't know how to make one, I have you covered here: https://tinyurl.com/5n6e8psb

11. 

    15 May 2026

    Addiction & Your Wallet

    Addiction doesn't just take a toll on your health and relationships, it leaves a financial trail that can take years to untangle. In this episode, I breaks down the true cost of addiction, from direct spending on substances to lost income, legal fees, and long-term hits to credit and retirement savings. But this episode isn't about the damage, it's about what rebuilding actually looks like. I walk through five practical steps for getting your finances back on track in recovery, why shame makes the process harder, and which real resources can help you stabilize. If you or someone you love is navigating life after addiction, this one is for you. For more information about Quiet Minds Financial Coaching or myself, checkout: quietmindsfc.com Show Notes: SAMHSA National Helpline: 1.800.662.4357 (free, confidential, 24/7) Free credit reports: annualcreditreport.com (http://annualcreditreport.com) National foundation for credit counseling: nfcc.org (http://nfcc.org) SNAP benefits: benefits.gov (http://benefits.gov) Key Statistics: $740B+ annual economic burden of addiction in the U.S. (NIDA)

12. 

    8 May 2026

    The Connection Between Mental Health and Money

    What if your financial struggles have nothing to do with how smart you are, how hard you work, or how much you care? What if they have everything to do with what's happening in your brain? In episode three of Quiet Minds, Rich Lives, I get into the conversation I've been most excited and most nervous to have since the show started: Research-backed connection between mental health diagnoses and financial decision making. Not mindset fluff. Actual neuroscience and behavioral psychology. I walk through four of the most common diagnoses and what they actually do to your relationship with money. Anxiety isn't just worry; for a lot of people, it looks like avoidance, like a nervous system that has decided financial information is a threat. Depression doesn't just make you sad; it depletes the activation energy that getting started on anything it requires. Bipolar disorder's most financially destructive moments can happen during the episodes that feel the best. And ADHD? Personal finance is an executive function task from start to finish, and that's exactly where ADHD creates its gaps. I also spend time on something the financial wellness world almost never talks about: shame. Where it comes from, why it keeps people stuck, and why accountability without self-punishment is the only version of accountability that actually works. I back all of this with five practical, research-grounded strategies built specifically for brains that are managing mental health conditions. They're not generic budgeting tips also. If you've ever felt like you were doing everything wrong with money and couldn't figure out why, this one is for you. For more information about Quiet Minds Financial Coaching or myself, checkout: quietmindsfc.com

13. 

    1 May 2026

    This Is Why Money Feels So Hard.

    "You are not bad with money. You are a human with money." If you've ever set a budget and still overspent, avoided checking your bank account, or felt a sudden wave of anxiety at the mention of debt. Then this episode is for you. Because the problem was never that you didn't know enough about money. The problem is that money was never just math. In Episode 2, we dig into the research that most financial advice skips entirely: the psychology, neuroscience, and emotional history that quietly drive nearly every money decision you make. Nobel Prize-winning economist Daniel Kahneman found that our financial decisions are roughly 90% emotional. So why are we still treating money like a logic problem? We cover the four "money scripts" you probably absorbed in childhood without realizing it, how financial trauma can keep your nervous system in a state of fight-or-flight every time you open your wallet, why money arguments in relationships are almost never really about money, and what it actually looks like to start healing your relationship with finances, not just managing them. For more information about Quiet Minds Financial Coaching or myself, checkout: quietmindsfc.com

14. 

    24 Apr 2026

    Welcome to Quiet Minds, Rich Lives

    Hello! Welcome to my little corner of the internet. I truly appreciate that you're here with me. My name is Michael, and I am the host of the show. In this episode, I talk briefly about my journey as to why I am starting this podcast, what it's about and what to expect from it. Thank you again for listening to my first episode of Quiet Minds, Rich Lives. Be sure to stay tuned for more shows in the future, as I am going to release them weekly. For more information about Quiet Minds Financial Coaching or myself, checkout: quietmindsfc.com

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