The Money Clarity Podcast

20. Why My Cats Have Their Own Savings Account (And Yours Should Too)

Tue, 24 Mar 2026 08:00:00 -0400

We’ve all been there: the car makes a weird noise, the annual insurance bill hits your inbox, or, if you’re like me, your cat needs an emergency vet visit. Suddenly, your carefully planned budget feels "broken." In our Season 1 finale, I’m sharing the one tool that changed everything for me: Sinking Funds. Learn how to turn those scary "surprises" into just another Tuesday and how we are mastering this together inside the membership this month!

RESOURCES MENTIONED IN THIS EPISODE:

JOIN THE EMPOWERED MONEY CIRCLE – Get in before the price increases on April 1st! This is where we are focusing on Sinking Funds all through April. https://www.theexuberantelephant.com/emc

THE EVERYTHING PAGE – Access all my free guides, YNAB templates, and 1:1 coaching options. Grab any free resource and you'll be on my email list! https://www.theexuberantelephant.com/everything

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❇️ Join The Empowered Money Circle on Skool! ❇️

https://www.theexuberantelephant.com/emc

🟪 FREE RESOURCES: https://www.theexuberantelephant.com/downloads

🟪 EVERYTHING PAGE: https://www.theexuberantelephant.com/everything

🟪 BLOG: https://www.theexuberantelephant.com/blog-home

➡️ Try YNAB for FREE for 34 days: https://theexuberantelephant.com/ynab (affiliate link)

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DISCLOSURES

By using the affiliate links above, I may earn a small commission if you decide to purchase anything. Thank you for your support :-)

YNAB Disclosure: I am a YNAB Certified Budgeting Coach, which means that I have been trained to coach people on using YNAB software and the YNAB budgeting method. I have met select requirements of You Need a Budget LLC in order to receive this certification, which means that I have the ability to competently coach YNAB to others. I am not an employee of YNAB, and all non-YNAB related opinions and recommendations are my own. My views do not reflect the views of YNAB and its employees or affiliates.

Pulling Back the Budget Curtain: An Insider Invite

Tue, 17 Mar 2026 08:00:00 -0400

Have you ever wondered what a money coach actually does when life gets messy, groceries get expensive, and the "head trash" starts to kick in?

We see the polished highlight reels everywhere online: the perfect YNAB budgets, the debt payoff celebrations, and the dream vacations. But as I always say, money is a journey, not a box you check and forget. It’s a lifelong process of growth, and that includes me, too!

In this episode, I’m sharing a special invitation to something I’ve never done before. I’m pulling back the curtain on my life, my business, and everything in between for The Exuberant Elephant Insider Week.

I’ve created a live Google Doc where I’ll be documenting the "messy middle" in real time. No filters, no "picture-perfect" spreadsheets—just the real work of navigating money mindset, business goals, and yes, probably some cat-related budget categories.

RESOURCES MENTIONED IN THIS EPISODE:

Join The Exuberant Elephant Insider Week: https://theexuberantelephant.kit.com/insider

Learn more about The Empowered Money Circle: theexuberantelephant.com/membership

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❇️ Join The Empowered Money Circle on Skool! ❇️

https://www.theexuberantelephant.com/emc

🟪 FREE RESOURCES: https://www.theexuberantelephant.com/downloads

🟪 EVERYTHING PAGE: https://www.theexuberantelephant.com/everything

🟪 BLOG: https://www.theexuberantelephant.com/blog-home

➡️ Try YNAB for FREE for 34 days: https://theexuberantelephant.com/ynab (affiliate link)

---

DISCLOSURES

By using the affiliate links above, I may earn a small commission if you decide to purchase anything. Thank you for your support :-)

18. Is a High-Yield Savings Account Right for Your YNAB Budget?

Tue, 10 Mar 2026 08:00:00 -0400

In this episode of the Money Clarity Podcast, Lindsey Ciarrocca breaks down what a high-yield savings account (HYSA) is, why it can be worth using, and what bank is her favorite.

RESOURCES MENTIONED IN THIS EPISODE:

FREE YNAB Category Setup Guide & Template: https://theexuberantelephant.com/ynab-setup

Ally Bank: https://theexuberantelephant.com/ally

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❇️ Join The Empowered Money Circle on Skool! ❇️

https://www.theexuberantelephant.com/emc

🟪 FREE RESOURCES: https://www.theexuberantelephant.com/downloads

🟪 EVERYTHING PAGE: https://www.theexuberantelephant.com/everything

🟪 BLOG: https://www.theexuberantelephant.com/blog-home

➡️ Try YNAB for FREE for 34 days: https://theexuberantelephant.com/ynab (affiliate link)

---

DISCLOSURES

By using the affiliate links above, I may earn a small commission if you decide to purchase anything. Thank you for your support :-)

17. How to Begin Identifying and Rewriting Your Money Story

Tue, 03 Mar 2026 08:00:00 -0400

Most people think budgeting is all about the math, but this episode explores why it’s really 90% mindset—and how old money scripts like “we can’t afford that” can keep you stuck in anxiety no matter what spreadsheet you use.

RESOURCES MENTIONED IN THIS EPISODE:

Align Your Money Workbook:

https://www.theexuberantelephant.com/align

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❇️ Join The Empowered Money Circle on Skool! ❇️

https://www.theexuberantelephant.com/emc

🟪 FREE RESOURCES: https://www.theexuberantelephant.com/downloads

🟪 EVERYTHING PAGE: https://www.theexuberantelephant.com/everything

🟪 BLOG: https://www.theexuberantelephant.com/blog-home

➡️ Try YNAB for FREE for 34 days: https://theexuberantelephant.com/ynab (affiliate link)

---

DISCLOSURES

By using the affiliate links above, I may earn a small commission if you decide to purchase anything. Thank you for your support :-)

16. Zero-Based Budgeting: What It Is and Why It Works

Tue, 24 Feb 2026 08:00:00 -0400

Are you tired of checking your bank account and playing a guessing game with your money? In today’s episode, we are diving into the world of Zero-Based Budgeting.

In this episode, we cover:

What Zero-Based Budgeting actually is: Hint: It’s not about having $0 in your bank account! It’s about giving every single dollar you have right now a specific job to do before you get paid again.
Why it’s a total game-changer: We talk about how this method eliminates that stressful "mental accounting" we all try (and fail) to do in our heads.
Embracing your True Expenses: How to prepare for those "unexpected" costs—like car repairs or the vet bill for your favorite fur baby—so they become a total non-event.
Flexibility and Clarity: Why a budget isn't a "restriction," but a roadmap that allows you to move money around when life happens (because it always does!).
My favorite tool: Why I use YNAB (You Need A Budget) for my personal household and both of my businesses to stay in total control.

RESOURCES MENTIONED IN THIS EPISODE:

FREE Beginner's Budget Guide: https://www.theexuberantelephant.com/guide

ADDITIONAL RESOURCES:

Blog Post: Mastering YNAB’s Four Rules for Budgeting

Blog Post: The Five Questions That Transform How You Budget

YNAB Made Easy Course: https://www.theexuberantelephant.com/ynab-course

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❇️ Join The Empowered Money Circle on Skool! ❇️

https://www.theexuberantelephant.com/emc

🟪 FREE RESOURCES: https://www.theexuberantelephant.com/downloads

🟪 EVERYTHING PAGE: https://www.theexuberantelephant.com/everything

🟪 BLOG: https://www.theexuberantelephant.com/blog-home

➡️ Try YNAB for FREE for 34 days: https://theexuberantelephant.com/ynab (affiliate link)

---

DISCLOSURES

By using the affiliate links above, I may earn a small commission if you decide to purchase anything. Thank you for your support :-)

15. YNAB’s 5 Question Budgeting Framework

Tue, 10 Feb 2026 08:00:00 -0400

In today’s episode, we’re diving into YNAB's Five Questions that transform how you budget. Think of these questions as building blocks in your financial pyramid. We’ll start at the base with your present reality and work our way up to the top, where flexibility and your biggest, wildest dreams live!

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❇️ Join The Empowered Money Circle on Skool! ❇️

https://www.theexuberantelephant.com/emc

🟪 FREE RESOURCES: https://www.theexuberantelephant.com/downloads

🟪 EVERYTHING PAGE: https://www.theexuberantelephant.com/everything

🟪 BLOG: https://www.theexuberantelephant.com/blog-home

➡️ Try YNAB for FREE for 34 days: https://theexuberantelephant.com/ynab (affiliate link)

---

DISCLOSURES

By using the affiliate links above, I may earn a small commission if you decide to purchase anything. Thank you for your support :-)

14. Guilt-Free Spending: Mastering YNAB’s Original Rules

Tue, 03 Feb 2026 08:00:00 -0400

Are you tired of feeling like your budget is a rigid box that stops you from having fun? Let's talk about YNAB's original four rules and debunk that myth!

RESOURCES MENTIONED IN THIS EPISODE:

❇️ Join The Empowered Money Circle on Skool! ❇️

https://www.theexuberantelephant.com/emc

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🟪 FREE RESOURCES: https://www.theexuberantelephant.com/downloads

🟪 EVERYTHING PAGE: https://www.theexuberantelephant.com/everything

🟪 BLOG: https://www.theexuberantelephant.com/blog-home

➡️ Try YNAB for FREE for 34 days: https://theexuberantelephant.com/ynab (affiliate link)

---

DISCLOSURES

By using the affiliate links above, I may earn a small commission if you decide to purchase anything. Thank you for your support :-)

13. Small Steps, Big Changes

Tue, 27 Jan 2026 08:00:00 -0400

Where could your finances be in just three months if you finally took the first step toward your biggest, wildest dreams today? This episode explores how shifting your focus from the overwhelming next forty-seven steps to just the very next one can transform your financial trajectory and empower you to stop playing small with your future.

RESOURCES MENTIONED IN THIS EPISODE:

Align Your Money Workbook: https://www.theexuberantelephant.com/align

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❇️ Join The Empowered Money Circle on Skool! ❇️

https://www.theexuberantelephant.com/emc

🟪 FREE RESOURCES: https://www.theexuberantelephant.com/downloads

🟪 EVERYTHING PAGE: https://www.theexuberantelephant.com/everything

🟪 BLOG: https://www.theexuberantelephant.com/blog-home

➡️ Try YNAB for FREE for 34 days: https://theexuberantelephant.com/ynab (affiliate link)

---

DISCLOSURES

By using the affiliate links above, I may earn a small commission if you decide to purchase anything. Thank you for your support :-)

12. Desensitizing the Fear of Money: An Interview with Beth Montgomery

Tue, 30 Dec 2025 08:00:00 -0400

Can you actually enjoy spending money? Beth Montgomery, death doula and my first client with The Exuberant Elephant, is living proof that you can. We’re discussing the tipping point that leads to seeking help, the shift from feeling frozen with your finances, and how Beth desensitized her fear of money to create a ripple effect of abundance in her own life and business.

RESOURCES:

30 Free Money Affirmations: https://www.theexuberantelephant.com/affirmations

The Empowered Money Circle Skool community:

https://www.theexuberantelephant.com/emc

👉🏻 Learn more about Beth's work: https://www.deathdoulabeth.com/

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❇️ Join The Empowered Money Circle on Skool! ❇️

https://www.theexuberantelephant.com/emc

🟪 FREE RESOURCES: https://www.theexuberantelephant.com/downloads

🟪 EVERYTHING PAGE: https://www.theexuberantelephant.com/everything

🟪 BLOG: https://www.theexuberantelephant.com/blog-home

➡️ Try YNAB for FREE for 34 days: https://theexuberantelephant.com/ynab (affiliate link)

---

DISCLOSURES

By using the affiliate links above, I may earn a small commission if you decide to purchase anything. Thank you for your support :-)

Stop Quitting: Join Me In January

Tue, 23 Dec 2025 08:00:00 -0400

❇️ Join The Empowered Money Circle before our live round, starting in January!!

https://www.theexuberantelephant.com/emc

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🟪 FREE RESOURCES: https://www.theexuberantelephant.com/downloads

🟪 EVERYTHING PAGE: https://www.theexuberantelephant.com/everything

🟪 BLOG: https://www.theexuberantelephant.com/blog-home

➡️ Try YNAB for FREE for 34 days: https://theexuberantelephant.com/ynab (affiliate link)

---

DISCLOSURES

By using the affiliate links above, I may earn a small commission if you decide to purchase anything. Thank you for your support :-)

11: Rewire Your Brain for Abundance: Why Mindset is Your #1 Financial Tool

Tue, 16 Dec 2025 08:00:00 -0400

Are you stuck in a cycle of financial fear and scarcity? In this episode, we're diving into your money mindset to show you how rewiring your brain for abundance is the most powerful—and often overlooked—financial tool you have for creating true, lasting clarity and confidence in your life.

RESOURCES MENTIONED IN THIS EPISODE:

30 Free Money Affirmations: https://www.theexuberantelephant.com/affirmations

Think and Grow Rich by Napoleon Hill: https://amzn.to/48FFPzT

All Book Recommendations: https://www.theexuberantelephant.com/books

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❇️ Join The Empowered Money Circle on Skool!

https://www.theexuberantelephant.com/emc

🟪 FREE RESOURCES: https://www.theexuberantelephant.com/downloads

🟪 EVERYTHING PAGE: https://www.theexuberantelephant.com/everything

🟪 BLOG: https://www.theexuberantelephant.com/blog-home

➡️ Try YNAB for FREE for 34 days: https://theexuberantelephant.com/ynab (affiliate link)

---

DISCLOSURES

By using the affiliate links above, I may earn a small commission if you decide to purchase anything. Thank you for your support :-)

10: What's Your Gift-Giving Love Language? Aligning Your Spending with Your Values This Holiday Season

Tue, 09 Dec 2025 08:00:00 -0400

The holidays bring big emotions, and it's time to make sure your gift budget truly aligns with your heart. By digging into your Gift-Giving Love Language and learning how to use your money with intentionality, you can spend with confidence and joy instead of guilt this season.

RESOURCES MENTIONED IN THIS EPISODE:

Thrifty & Merry: A Guided Workbook to Celebrating the Holidays on a Budget: https://www.theexuberantelephant.com/thrifty-and-merry

The Five Love Languages by Gary Chapman: https://amzn.to/4pYdP1n

All Book Recommendations: https://www.theexuberantelephant.com/books

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❇️ Join The Empowered Money Circle on Skool!

https://www.theexuberantelephant.com/emc

🟪 FREE RESOURCES: https://www.theexuberantelephant.com/downloads

🟪 EVERYTHING PAGE: https://www.theexuberantelephant.com/everything

🟪 BLOG: https://www.theexuberantelephant.com/blog-home

➡️ Try YNAB for FREE for 34 days: https://theexuberantelephant.com/ynab (affiliate link)

---

DISCLOSURES

By using the affiliate links above, I may earn a small commission if you decide to purchase anything. Thank you for your support :-)

9: From Hating Math to Budget Nerd

Tue, 02 Dec 2025 08:00:00 -0400

Today I'm sharing how I went from crying over math homework to being the budget nerd I am today!

RESOURCES MENTIONED IN THIS EPISODE:

❇️ The Empowered Money Circle: https://www.theexuberantelephant.com/membership

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🟪 FREE RESOURCES: https://www.theexuberantelephant.com/downloads

🟪 EVERYTHING PAGE: https://www.theexuberantelephant.com/everything

🟪 BLOG: https://www.theexuberantelephant.com/blog-home

➡️ Try YNAB for FREE for 34 days: https://theexuberantelephant.com/ynab (affiliate link)

---

DISCLOSURES

By using the affiliate links above, I may earn a small commission if you decide to purchase anything. Thank you for your support :-)

8: Seeing Money as a Bridge: A Thanksgiving Reflection

Tue, 25 Nov 2025 08:00:00 -0400

This Thanksgiving, let's stop carrying all that shame and guilt around money. Learn how to transform your relationship with your finances by embracing gratitude for every dollar you have, no matter how small or large that number is.

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❇️ Join The Empowered Money Circle on Skool! https://www.theexuberantelephant.com/emc

🟪 FREE RESOURCES: https://www.theexuberantelephant.com/downloads

🟪 EVERYTHING PAGE: https://www.theexuberantelephant.com/everything

🟪 BLOG: https://www.theexuberantelephant.com/blog-home

➡️ Try YNAB for FREE for 34 days: https://theexuberantelephant.com/ynab (affiliate link)

---

DISCLOSURES

By using the affiliate links above, I may earn a small commission if you decide to purchase anything. Thank you for your support :-)

7: Pennies Might Be Dead, But Tracking Isn't!

Tue, 18 Nov 2025 08:00:00 -0400

The end of the penny era in the U.S. might seem irrelevant to modern budgeting, but I'm here to tell you why tracking down to the last cent is still vital for gaining financial clarity and eliminating mental accounting.

RESOURCES MENTIONED IN THIS EPISODE:

YNAB Made Easy: https://www.theexuberantelephant.com/ynab-course

[Blog Post] Mastering Your Finances with YNAB's Four Simple Budgeting Rules: https://www.theexuberantelephant.com/blog/four-rules-for-budgeting

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❇️ Join The Empowered Money Circle on Skool! https://www.theexuberantelephant.com/emc

🟪 FREE RESOURCES: https://www.theexuberantelephant.com/downloads

🟪 EVERYTHING PAGE: https://www.theexuberantelephant.com/everything

🟪 BLOG: https://www.theexuberantelephant.com/blog-home

➡️ Try YNAB for FREE for 34 days: https://theexuberantelephant.com/ynab (affiliate link)

---

DISCLOSURES

By using the affiliate links above, I may earn a small commission if you decide to purchase anything. Thank you for your support :-)

6: 7 Tips to Take Control of Your Grocery Budget

Tue, 11 Nov 2025 08:00:00 -0400

The grocery budget causes a lot of financial stress, but it doesn't have to be a category you just cut! In this episode, I'm sharing my seven most actionable tips to help you stop overspending on groceries.

RESOURCES MENTIONED IN THIS EPISODE:

My favorite crock pot recipe book: https://amzn.to/4bSW9NQ

Printable Meal Planners: https://www.theexuberantelephant.com/printable-meal-planners

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❇️ Join The Empowered Money Circle on Skool: https://www.theexuberantelephant.com/emc

🟪 FREE RESOURCES: https://www.theexuberantelephant.com/downloads

🟪 EVERYTHING PAGE: https://www.theexuberantelephant.com/everything

🟪 BLOG: https://www.theexuberantelephant.com/blog-home

➡️ Try YNAB for FREE for 34 days: https://theexuberantelephant.com/ynab (affiliate link)

---

DISCLOSURES

By using the affiliate links above, I may earn a small commission if you decide to purchase anything. Thank you for your support :-)

5: 3 Steps to Take When You’re Spending More Than You Make

Tue, 04 Nov 2025 08:00:00 -0400

In this episode, we're diving into the three immediate steps you can take when your expenses are more than your income, so you can stop the financial bleeding and start building a life you love.

FREE printable expense tracker: http://theexuberantelephant.com/expense-tracker

FREE workbook, Align Your Money Workbook: https://www.theexuberantelephant.com/align

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❇️ Join The Empowered Money Circle on Skool! ❇️ https://www.theexuberantelephant.com/emc

🟪 FREE RESOURCES: https://www.theexuberantelephant.com/downloads

🟪 EVERYTHING PAGE: https://www.theexuberantelephant.com/everything

🟪 BLOG: https://www.theexuberantelephant.com/blog-home

➡️ Try YNAB for FREE for 34 days: https://theexuberantelephant.com/ynab (affiliate link)

---

DISCLOSURES

By using the affiliate links above, I may earn a small commission if you decide to purchase anything. Thank you for your support :-)

4: Hope Is Not a Plan: The First Steps to Financial Freedom

Tue, 28 Oct 2025 08:00:00 -0400

How often do you go to log into your bank account and feel that familiar sense of dread? So many of us rely on mental accounting, guessing what's there and hoping for the best. But, unfortunately, hope is not a plan, and that fear is keeping you from the one thing you need for true financial freedom: clarity. In this episode, we're talking about why hope is not a plan and how ignoring this simple reality check is what keeps you stuck. We'll shift your perspective so you see that a negative number is a signal, not a judgment, and discuss how defining your priorities is the essential, motivating fuel you need to make changes that lead to the calm and confident relationship with money you deserve.

❇️ Join The Empowered Money Circle on Skool! ❇️ https://www.theexuberantelephant.com/emc

🟪 FREE RESOURCES: https://www.theexuberantelephant.com/downloads

🟪 EVERYTHING PAGE: https://www.theexuberantelephant.com/everything

🟪 BLOG: https://www.theexuberantelephant.com/blog-home

➡️ Try YNAB for FREE for 34 days: https://theexuberantelephant.com/ynab (affiliate link)

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DISCLOSURES

By using the affiliate links above, I may earn a small commission if you decide to purchase anything. Thank you for your support :-)

3: Why Your Budget Never Sticks (Spoiler Alert: It's Not Your Fault)

Tue, 21 Oct 2025 08:00:00 -0400

Have you ever tried budgeting in the past, maybe multiple times, only to feel that lingering sense of defeat when things just didn't stick? You're smart, you're educated, you have a good job, yet money still feels incredibly confusing. You download the apps, you try the "no-spend" challenges, you restrict yourself... and then you crash and burn on a guilt-fueled spending spree.

In this episode, we explore why most traditional budgeting advice fails us and introduce you to the four sides of money. By addressing all four of these areas, you can finally create lasting change and achieve what I call Financial Exuberance—a state where you have a positive relationship with money, use it as a tool to live Your Greatest Life, and achieve your biggest, wildest dreams.

FREE workbook, Align Your Money Workbook: https://www.theexuberantelephant.com/align

❇️ Join The Empowered Money Circle on Skool! ❇️ https://www.theexuberantelephant.com/emc

🟪 FREE RESOURCES: https://www.theexuberantelephant.com/downloads

🟪 EVERYTHING PAGE: https://www.theexuberantelephant.com/everything

🟪 BLOG: https://www.theexuberantelephant.com/blog-home

➡️ Try YNAB for FREE for 34 days: https://theexuberantelephant.com/ynab (affiliate link)

DISCLOSURES

By using the affiliate links above, I may earn a small commission if you decide to purchase anything. Thank you for your support :-)

2: Budgeting for a Life You Love: An Introduction to YNAB

Tue, 14 Oct 2025 08:00:00 -0400

What if budgeting wasn't about restriction but rather, a powerful tool for financial freedom? In this episode, I'm introducing you to YNAB (You Need A Budget), my favorite budgeting tool that has helped me and countless clients transform how we look at our money. We'll explore the four rules that make YNAB different and how you can use them to stop living paycheck-to-paycheck and start building the life you love.

❇️ Join The Empowered Money Circle on Skool! ❇️ https://www.theexuberantelephant.com/emc

🟪 FREE RESOURCES: https://www.theexuberantelephant.com/downloads

🟪 EVERYTHING PAGE: https://www.theexuberantelephant.com/everything

🟪 BLOG: https://www.theexuberantelephant.com/blog-home

➡️ Try YNAB for FREE for 34 days: https://theexuberantelephant.com/ynab (affiliate link)

DISCLOSURES

By using the affiliate links above, I may earn a small commission if you decide to purchase anything. Thank you for your support :-)

1: How to Stay Motivated on Your Financial Journey

Tue, 07 Oct 2025 08:00:00 -0400

In this first episode, I'm sharing the most powerful exercise I do with all my clients before we ever look at the numbers: finding your financial why. Your financial journey can feel like a mountain, but when you have something that motivates you so deeply that it feels like a punch in the gut, you'll find the motivation to keep going, even when things get hard. This "why" is your secret weapon, helping you confidently make spending choices and create a life aligned with your biggest, wildest dreams.

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❇️ Join The Empowered Money Circle on Skool! ❇️ https://www.theexuberantelephant.com/emc

🟪 FREE RESOURCES: https://www.theexuberantelephant.com/downloads

🟪 EVERYTHING PAGE: https://www.theexuberantelephant.com/everything

🟪 BLOG: https://www.theexuberantelephant.com/blog-home

➡️ Try YNAB for FREE for 34 days: https://theexuberantelephant.com/ynab (affiliate link)

---------------------------------------------

DISCLOSURES

By using the affiliate links above, I may earn a small commission if you decide to purchase anything. Thank you for your support :-)

The Money Clarity Podcast with Lindsey Ciarrocca

Thu, 18 Sep 2025 12:40:00 -0400

Ready to stop feeling stressed about money? Welcome to the Money Clarity Podcast!

In this trailer, I'll introduce myself and my work as a money coach, and we’ll talk about what you can expect from the show. We’ll cover everything from the practical side of budgeting and debt payoff to the emotional side of money and mindset.

If you're ready to live the life you've always dreamed of—without money worries—then this podcast is for you.

Listen in to learn more about my mission and get ready to transform your relationship with money.

❇️ Join The Empowered Money Circle on Skool! ❇️ https://www.theexuberantelephant.com/emc