Turning Money Into a Tool for a Better Family Life

Your Money Problems Aren't Really About Money

Why do intelligent people continue making poor financial decisions? Why do some people build wealth while others stay stuck? And why do so many retirees feel lost after reaching their financial goals? In this powerful conversation, financial psychologist and researcher Dr. Charles Chaffin joins Julia and Gino Barbaro to explore the hidden psychological forces that shape our relationship with money, investing, retirement, goal setting, and personal success. Dr. Chaffin is a psychologist, financial planning expert, author, researcher, and co-founder of the Money & Risk Inventory (MRI). His work has influenced financial advisors, planners, researchers, and universities across the world. Whether you're an investor, entrepreneur, financial advisor, retiree, or simply someone looking to improve your financial future, this conversation offers actionable wisdom you can apply immediately. About Dr. Charles Chaffin Dr. Charles Chaffin is a psychologist, researcher, financial planning expert, author, and educator. He is the co-founder of the Money & Risk Inventory (MRI) and the Psychology of Financial Planning programs. His research has been conducted through organizations including the CFP Board, Wharton School, Columbia University, and Iowa State University. Connect with Dr. Charles Chaffin Website: CharlesChaffin.com LinkedIn: Charles ChaffinPersonal finance, Relationships, Faith, Health & Wellness - it’s all overwhelming and there’s no clear map to guide you. But what if there was? TIMESTAMPS 00:00 Introduction & Dr. Charles Chaffin's Background 00:50 How Financial Planning Led to Psychology Research 02:13 Why Human Attention Is Our Most Valuable Resource 05:28 What Is the Money & Risk Inventory (MRI)? 08:05 The Evolution of Financial Planning & Behavioral Finance 09:25 Loneliness, Social Media & the Advisor's Role 11:04 Helping Clients Overcome Financial Overwhelm 12:00 Why Small Goals Beat Big Goals 13:00 The Hidden Challenge Widows Face With Money 14:20 Goal Progress vs Goal Completion 15:44 Retirement: Why We're Not Wired to Stop Growing 16:52 Dr. Charles' Personal Money Mistakes & Present Bias 19:08 Perfectionism, Failure & Learning Through Mistakes 21:34 Teddy Roosevelt's "Man in the Arena" Philosophy 22:20 Why People Are Afraid to Make Mistakes 23:13 The Power of Arts, Sports & Learning Through Failure 24:13 The Beauty of Being Wrong 25:54 Process Over Product: A Better Way to Learn 26:35 Identity, Money & Becoming Financially Responsible 28:03 Climbing Ladders You Never Wanted to Climb 29:38 Building a New Identity Through Small Wins 30:02 Self-Determination Theory Explained 30:40 The Three Human Needs: Competence, Autonomy & Connection 31:20 FOMO, Social Media & Financial Decision-Making 33:46 Retirement, Identity Loss & Finding Purpose 35:46 Parenting, Empty Nest Syndrome & Reinventing Yourself 36:12 Hitting the Accelerator in Life 37:50 Retirement Success Stories & Living Authentically 38:45 What's Next for Dr. Charles? Books, Research & Content 39:43 The Importance of Attention & Financial Coaching 41:46 Designing a Meaningful Retirement Life 42:35 Where to Find Dr. Charles Chaffin 42:53 Final Thoughts & Closing Remarks Have you ever felt like life is a maze that you can’t seem to navigate? 🤷‍♂️ Parenting, relationships, spirituality, health - it’s all overwhelming and there’s no clear map to guide you. 🗺️ But what if there was? 🤔  Welcome to the ‘Family Coaching’ podcast, where Gino and Julia help you navigate the complexities of life with ease and grace.  🎙️ We dive deep into the subtle nuances of relationships, offer advice for the joyous challenges of parenting, explore spirituality and provide practical tips for healthcare. 💑👨‍👩‍👧‍👦 🙏💊 Our approach is rooted in empathy and understanding, because let's face it, life is hard!  💪 Tune into our podcast for a refreshing take on navigating life's most complex challenges. It's like having a secret weapon in your back pocket. 🎧🔑 ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Join our free Skool community and connect with a fast-growing network of like-minded individuals: https://www.skool.com/barbaro360  ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ #educationforlife #familylife #parentingtips #relationshiptips #personalfinance #lifecoaching #personalgrowth  #lifecoaching Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com [https://pcm.adswizz.com] for information about our collection and use of personal data for advertising.

Special Needs Parenting: Surrender, Hope & Finding Strength

In this powerful episode, Julia and Gino sit down with Cindi and Dr. Joe Ferrini — authors, speakers, and longtime advocates for special needs families — to discuss the emotional, mental, and spiritual realities of raising a child with special needs.  With more than 40 years of caregiving experience, the Ferrinis share the lessons behind their new book The Special Needs Parent and open up about the hidden stress, isolation, grief, marriage challenges, and personal transformation that many families experience on this journey. This conversation explores what happens when life doesn’t go according to plan — and how parents can still build hope, resilience, purpose, and even joy in the middle of overwhelming responsibility. Whether you’re a parent, caregiver, family member, or simply want to better understand the special needs journey, this episode offers wisdom, compassion, and encouragement.  TIMESTAMPS 00:00 – Introduction 01:41 – Meet Cindi & Dr. Joe Ferrini 04:26 – Why they wrote their book 07:58 – The hidden stress special needs parents carry 11:44 – The feeling of isolation many families experience 15:02 –  grieving expectations 18:37 – Holding grief and hope at the same time 22:06 – Building emotional capacity through difficult seasons 25:18 – How special needs parenting impacts marriage and family 29:04 – Why parents need a strong support system 32:47 – Dealing with judgment, comments, and social pressure 35:41 – Embracing transformation instead of punishment 38:26 – Advice for parents  41:02 – Final thoughts and encouragement Have you ever felt like life is a maze that you can’t seem to navigate? 🤷‍♂️ Parenting, relationships, spirituality, health - it’s all overwhelming and there’s no clear map to guide you. 🗺️ But what if there was? 🤔  Welcome to the ‘Family Coaching’ podcast, where Gino and Julia help you navigate the complexities of life with ease and grace.  🎙️ We dive deep into the subtle nuances of relationships, offer advice for the joyous challenges of parenting, explore spirituality and provide practical tips for healthcare. 💑👨‍👩‍👧‍👦 🙏💊 Our approach is rooted in empathy and understanding, because let's face it, life is hard!  💪 Tune into our podcast for a refreshing take on navigating life's most complex challenges. It's like having a secret weapon in your back pocket. 🎧🔑 ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Join our free Skool community and connect with a fast-growing network of like-minded individuals: https://www.skool.com/barbaro360  ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ #educationforlife #familylife #parentingtips #relationshiptips #personalfinance #lifecoaching #personalgrowth  #lifecoaching Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com [https://pcm.adswizz.com] for information about our collection and use of personal data for advertising.

From Money Plans to Life Plans: Inside the Kinder Institute of Life Planning Approach

What if financial planning wasn’t just about growing wealth—but about designing a meaningful life? In this episode of the Julia & Gino Show, Julia and Gino sit down with Scott Frank, founder of Stone Steps Financial and educator at the Kinder Institute of Life Planning, to explore how money decisions are deeply connected to identity, purpose, legacy, and fulfillment. This conversation goes beyond numbers and investing—it’s about aligning your financial life with the life you actually want to live. Whether you're building wealth, navigating a career change, or searching for more meaning in your daily life, this episode will challenge the way you think about success and financial freedom. About Scott Frank: Scott Frank is the founder of Stone Steps Financial in Encinitas, CA, helping families align money with life. He is a CFA, CFP®, and Registered Life Planner (RLP®), a 2019 InvestmentNews 40 Under 40 honoree, co-host of Real Personal Finance, and an educator with the Kinder Institute of Life Planning.  TIMESTAMPS 00:00 – Intro 01:45 – Meet Scott Frank & his background in life planning 04:20 – What the Kinder Institute approach really is 07:10 – Why traditional financial planning misses the bigger picture 10:05 – “If money wasn’t a concern…” question explained 13:40 – How money beliefs are formed in childhood 17:25 – Identity, achievement, and self-worth 21:10 – The question about having only 5–10 years left to live 25:50 – Time vs. money: what people regret most 29:30 – Defining legacy and intentional living 33:45 – Aligning financial decisions with personal values 37:20 – What people discover during life planning conversations 40:15 – Final thoughts on purpose, fulfillment, and freedom 43:10 – Where to find Scott Frank 44:20 – Closing thoughts Have you ever felt like life is a maze that you can’t seem to navigate? 🤷‍♂️ Parenting, relationships, spirituality, health - it’s all overwhelming and there’s no clear map to guide you. 🗺️ But what if there was? 🤔  Welcome to the ‘Family Coaching’ podcast, where Gino and Julia help you navigate the complexities of life with ease and grace.  🎙️ We dive deep into the subtle nuances of relationships, offer advice for the joyous challenges of parenting, explore spirituality and provide practical tips for healthcare. 💑👨‍👩‍👧‍👦 🙏💊 Our approach is rooted in empathy and understanding, because let's face it, life is hard!  💪 Tune into our podcast for a refreshing take on navigating life's most complex challenges. It's like having a secret weapon in your back pocket. 🎧🔑 ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Join our free Skool community and connect with a fast-growing network of like-minded individuals: https://www.skool.com/barbaro360  ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ #educationforlife #familylife #parentingtips #relationshiptips #personalfinance #lifecoaching #personalgrowth  #lifecoaching Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com [https://pcm.adswizz.com] for information about our collection and use of personal data for advertising.

Turning Money Into a Tool for a Better Family Life

What does success really mean if your family life is suffering behind the scenes? In this episode of the Julia & Gino Show, we sit down with entrepreneur, coach, and Mpowered Journey founder Ann Sheu to talk about what it truly means to build a values-driven life and business. After walking away from a successful legal career, Ann now helps entrepreneurial families create alignment between business, marriage, parenting, and personal fulfillment. Together, we dive into the hidden cost of chasing achievement without intention, how unresolved family conflict impacts leadership, and why your calendar often reveals your real priorities. If you’re building a business while trying to protect your marriage, family, and peace of mind, this conversation is for you. Subscribe for more conversations around leadership, family, mindset, entrepreneurship, and intentional living. Timestamps 00:00 – Intro  02:10 – Ann’s transition from law to entrepreneurship  06:20 – The internal shift behind leaving a legal career  10:35 – Why entrepreneurs struggle with family alignment  15:05 – Your calendar reveals your true values  19:40 – How conflict at home impacts business leadership  24:30 – EOS and living company values authentically  28:50 – Success on paper vs fulfillment at home  33:15 – Rebuilding connection in high-achieving marriages  37:40 – Motherhood, business, and redefining productivity  41:10 – Making values-driven decisions in real life  43:30 – Frameworks to prevent drift in marriage, money, and mission  45:00 – Final thoughts Have you ever felt like life is a maze that you can’t seem to navigate? 🤷‍♂️ Parenting, relationships, spirituality, health - it’s all overwhelming and there’s no clear map to guide you. 🗺️ But what if there was? 🤔  Welcome to the ‘Family Coaching’ podcast, where Gino and Julia help you navigate the complexities of life with ease and grace.  🎙️ We dive deep into the subtle nuances of relationships, offer advice for the joyous challenges of parenting, explore spirituality and provide practical tips for healthcare. 💑👨‍👩‍👧‍👦 🙏💊 Our approach is rooted in empathy and understanding, because let's face it, life is hard!  💪 Tune into our podcast for a refreshing take on navigating life's most complex challenges. It's like having a secret weapon in your back pocket. 🎧🔑 ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Join our free Skool community and connect with a fast-growing network of like-minded individuals: https://www.skool.com/barbaro360  ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ #educationforlife #familylife #parentingtips #relationshiptips #personalfinance #lifecoaching #personalgrowth  #lifecoaching Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com [https://pcm.adswizz.com] for information about our collection and use of personal data for advertising.

Stop Carrying Emotional Baggage

Laurie Davies joins Julia and Gino for a meaningful conversation about emotional freedom, faith, and the hidden burdens many women quietly carry every day. As an author, speaker, and counselor, Laurie shares practical wisdom on overcoming fear, guilt, shame, anxiety, and emotional exhaustion while learning how to replace emotional clutter with peace, truth, and healing. Together, they discuss forgiveness, parenting, emotional health, faith, and the first steps anyone can take toward living lighter and more freely. If you’ve ever felt emotionally overwhelmed or weighed down by life’s pressures, this episode offers encouragement, hope, and practical tools for healing.  Timestamps 0:00  Are you letting go of the stuff that keeps you stuck? 0:10  Introduction to the podcast and guest Laurie Davies. 0:44  Laurie Davies expresses excitement for the conversation. 1:05  Explanation of emotional hoarding. 2:22  Discussion on emotional hoarding and its effects. 3:20  Men's perspective on emotional hoarding. 4:33  When does emotional hoarding become destructive? 6:07  Impact of emotional hoarding on relationships. 7:49  Discussion on mom guilt and its effects. 9:42  Laurie shares personal experiences with her son. 12:33  Importance of communication in relationships. 15:58  Discussion on anger and its impact on relationships. 19:28  Men's perspective on anger. 22:40  Biblical perspective on anger. 25:08  Discussion on pride and its effects. 31:41 Steps to live a lighter emotional life. 32:40 Path to freedom from worry. 35:01  Addressing common worries. 40:44 Repairing relationships and finding freedom. 42:28 Where to find Laurie's book. Have you ever felt like life is a maze that you can’t seem to navigate? 🤷‍♂️ Parenting, relationships, spirituality, health - it’s all overwhelming and there’s no clear map to guide you. 🗺️ But what if there was? 🤔  Welcome to the ‘Family Coaching’ podcast, where Gino and Julia help you navigate the complexities of life with ease and grace.  🎙️ We dive deep into the subtle nuances of relationships, offer advice for the joyous challenges of parenting, explore spirituality and provide practical tips for healthcare. 💑👨‍👩‍👧‍👦 🙏💊 Our approach is rooted in empathy and understanding, because let's face it, life is hard!  💪 Tune into our podcast for a refreshing take on navigating life's most complex challenges. It's like having a secret weapon in your back pocket. 🎧🔑 ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Join our free Skool community and connect with a fast-growing network of like-minded individuals: https://www.skool.com/barbaro360  ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ #educationforlife #familylife #parentingtips #relationshiptips #personalfinance #lifecoaching #personalgrowth  #lifecoaching Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com [https://pcm.adswizz.com] for information about our collection and use of personal data for advertising.