MONEY WITHOUT MATH

You’re Negotiating Already—How to Do It Better with Ranieka Weston

Negotiation is often equated with high-stakes conversations: salary offers, contracts, or tense back-and-forths across a conference table. But leadership coach and consultant Ranieka Weston says negotiation is happening constantly, often in the smallest moments of everyday life. In this episode of Money Without Math, Karen Coyne sits down with Ranieka to unpack the mindset behind effective negotiation and why so many people struggle to ask for what they want, even when the stakes are low. From restaurant orders and parenting conversations to workplace boundaries and compensation discussions, they explore how negotiation is less about conflict and more about clarity, self-trust, timing, and emotional awareness. Ranieka shares practical ways to strengthen your “negotiation muscle,” including how to approach difficult asks without becoming combative, why psychological safety matters at work and at home, and the hidden cost of shrinking your own value in important conversations. She also explains why many people don’t actually have a confidence problem; they have a negotiation problem. If you’ve ever avoided asking, worried about being perceived as difficult, or walked away from a conversation thinking “I should’ve said something,” this episode offers a grounded approach to advocating for yourself—one small ask at a time. In this episode: 0:00 - Know Your Value First  1:17 - Negotiation Happens Every Day  5:20 - The Vegas Margarita Win Win  10:09 - Mindset Shapes Every Ask  14:52 - Clarity Value And Timing  16:32 - Negotiating With Your Teen  20:47 - Boundaries Nonnegotiables And Safety  25:18 - Weekly Practice Questions That Work  27:37 - How To Ask Without Feeling Cheap  30:50 - Final Takeaways And Next Steps Connect with Karen: * Clarity Planning [https://www.raymondjames.com/clarity] * LinkedIn [https://www.linkedin.com/in/karencoyne/] * YouTube [https://www.youtube.com/channel/UCSsys7YJANSmN_Bo_ci-E6w] * Instagram [https://www.instagram.com/moneywithoutmath/] Connect with our guests:  * Ranieka Weston on LinkedIn [https://www.linkedin.com/in/raniekaweston/] * Your Next Thought [https://www.yournexthought.com/]

Inheritocracy: When Family Wealth Matters More Than Your Paycheck with Dr. Eliza Filby

Historian and generational expert Dr. Eliza Filby, author of Inheritocracy: It's Time to Talk About the Bank of Mum and Dad, joins Karen Coyne to explore why economic outcomes increasingly depend more on access to parental support and less on income or education. An estimated $80-$120 trillion is set to pass from Baby Boomers down family trees over the next two decades, but this transfer is lumpy, complicated, and loaded with unspoken expectations.  Together, they dive into the uncomfortable details: why parenting has become a 30-year financial commitment, how parental support can quietly erode a young person's drive and resilience, and the very real control dynamics that come with financial help, even when everyone calls it a "gift." They also talk about the families getting this right, including a father who turned the Bank of Mom and Dad into an actual bank.  Dr. Filby also brings in the gender dimension, as women tend to gift earlier, take fewer financial risks, and carry the care burden as parents age. She makes a strong argument for why these conversations can't just happen between the patriarch and a financial advisor on a golf course.  For families navigating support, inheritance, or just trying to figure out how to talk about money across generations, this one is worth a full listen. In this episode: 0:00 – What is an inheritocracy?  3:30 – The great wealth transfer and why it's uneven  7:00 – Why young adults are still financially dependent  9:45 – Housing, wages, and what actually got expensive  14:00 – When parental support becomes reckless  17:00 – The connection between financial help and resilience  19:45 – AI, work, and why Gen Z questions the career ladder  20:10 – Control, obligation, and the strings on "gifts"  26:10 – How to start these conversations in your family  29:00 – Prenups and the mass affluent  33:00 – Gender and who holds the emotional vs financial power Connect with Karen: * Clarity Planning [https://www.raymondjames.com/clarity] * LinkedIn [https://www.linkedin.com/in/karencoyne/] * YouTube [https://www.youtube.com/channel/UCSsys7YJANSmN_Bo_ci-E6w] * Instagram [https://www.instagram.com/moneywithoutmath/] Connect with our guests:  * Dr. Eliza Filby on LinkedIn [https://www.linkedin.com/in/dr-eliza-filby/] * Dr. Eliza Filby’s website [https://www.elizafilby.com/] * Dr. Eliza Filby on Instagram [https://www.instagram.com/dr_eliza_filby/]

Gratitude As a Way of Life with Dr. Peggy DeLong

What if the key to feeling more financially secure, more successful, and more at peace had nothing to do with your account balance? Gratitude might sound like a soft skill, but the science says otherwise. In this episode of Money Without Math, Karen Coyne is joined by Dr. Peggy DeLong, the Gratitude Psychologist, to explore how a daily gratitude practice can literally rewire the brain, shift your sense of identity, and move you from a scarcity mindset to one of abundance. Dr. Peggy shares her own deeply personal journey, from an ungrateful young adult to discovering gratitude's power during one of the most devastating seasons of her life, and how that discovery now informs her work as a psychologist, speaker, and author. Whether you're stuck in comparison mode, caught on the never ending treadmill of "never enough," or simply looking for small ways to feel better every day, this episode offers research backed tools that take as little as two seconds to practice. In this episode: * How grief and adversity led Dr. Peggy to discover the power of gratitude * Why gratitude changes brain structure and how pessimists become optimists * Moving from a scarcity mindset to an abundant one * How gratitude reduces comparison and redefines success beyond finances * The Grateful Day: micro practices you can start today, including the two second morning reset, setting your intention, and writing appreciation emails to counter "email apnea" Connect with Karen: * Clarity Planning [https://www.raymondjames.com/clarity] * LinkedIn [https://www.linkedin.com/in/karencoyne/] * YouTube [https://www.youtube.com/channel/UCSsys7YJANSmN_Bo_ci-E6w] * Instagram [https://www.instagram.com/moneywithoutmath/] Connect with our guests:  * Peggy DeLong on LinkedIn [https://www.linkedin.com/in/drpeggydelongthegratitudepsychologist/] * Midlife Awakening Sisterhood [https://peacefulpresentfutureflourish.com/your-happy-second-half/]

Building Money Skills in Kids with Mary Wilcox Smith

Parenting around money is messy for almost everyone. Your kid blows through their allowance or your college student burns through the semester’s food budget–and without intention, you might find yourself responding in a way that’s more controlling than it is constructive. In this episode of Money Without Math, Karen Coyne is joined by parenting speaker, author, and coach Mary Wilcox Smith to explore how parents can build real financial skills in children at every age. They discuss why money problems are often skill gaps, not character flaws, and how validation, practice, and modeling are more effective than lectures.  Mary shares simple scripts, small-step strategies, and mindset shifts that help you hold boundaries, give your kids more appropriate control, and build their capacity with money over time. In this episode: * The skills gap behind money struggles are not character flaws * Building capacity instead of punishing mistakes * Setting ceilings on spending, even when you have the means * Course correcting with older teens and young adults * How to stop bailing them out while still staying connected Connect with Karen: * Clarity Planning [https://www.raymondjames.com/clarity] * LinkedIn [https://www.linkedin.com/in/karencoyne/] * YouTube [https://www.youtube.com/channel/UCSsys7YJANSmN_Bo_ci-E6w] * Instagram [https://www.instagram.com/moneywithoutmath/] Connect with our guest:  * Mary Wilcox Smith on LinkedIn [https://www.linkedin.com/in/mary-willcox-smith/] * Mary Wilcox Smith’s website [https://www.linkedin.com/safety/go/?url=www.marysmithparentcoach.com&urlhash=qDoC&isSdui=true&lipi=urn%3Ali%3Apage%3Ad_flagship3_profile_view_base_contact_details%3BQIKqIU06RU%2BlWG9z%2B8NIJw%3D%3D] * Mary Wilcox Smith’s The MicroStep Method for the Overwhelmed Parent [https://www.amazon.sg/MicroStep-Method-Overwhelmed-Parent-moments/dp/B0CK3ZX95G]

Where You Live Shapes Your Future with Bradley Schurman

You don’t make decisions about your later life in later life, you make them in midlife. And one of the biggest decisions? Where you choose to live. In this episode of Money Without Math, Karen Coyne is joined by demographic strategist Bradley Schurman to explore how declining birth rates, aging populations, climate risk, and technological disruption are reshaping the future of cities, and what that means for your financial life. They break down the idea that your zip code may be one of the most important drivers of long-term prosperity, and introduce a new way to evaluate where you live beyond just cost of living or tax rates. From the rise of remote work to the hidden risks in “affordable” cities, this conversation offers a more complete framework for thinking about where, and how, you want to live in the years ahead. Whether you're planning for retirement, considering a move, or simply rethinking your current situation, this episode will challenge how you define opportunity, stability, and home. In this episode: * How your zip code may influence your long-term financial security and quality of life * The five dimensions of the Prosperity Index: population renewal, climate risk, social cohesion, governance, and AI preparedness * HowWhy cities like Chattanooga, Tulsa, and Pittsburgh are taking innovative approaches to prepare for the future * How remote work and demographic shifts are creating new possibilities for relocation * Key questions to consider before buying a home or planning for retirement Connect with Karen: * Clarity Planning [https://www.raymondjames.com/clarity] * LinkedIn [https://www.linkedin.com/in/karencoyne/] * YouTube [https://www.youtube.com/channel/UCSsys7YJANSmN_Bo_ci-E6w] * Instagram [https://www.instagram.com/moneywithoutmath/] Connect with our guests:  * Bradley Schurman on LinkedIn [https://www.linkedin.com/in/bradleyschurman/] * Population Next Podcast [https://open.spotify.com/show/7nnujcwiUgMbpIpOhRCkzq?si=c4236f117fac4797] * Geography Of Prosperity [https://geographyofprosperity.com/gop/home]