In this episode, we’re joined by the dynamic mother-daughter duo, Kathy and Liz, for an open and honest conversation about how money beliefs are formed, modeled, and passed down through generations.

From cardboard savings banks and sale racks to hand-me-downs, recycling cans, and learning to save before spending, Kathy and Liz revisit their earliest money memories and the lessons that quietly shaped their lives. They share insights on frugality versus fear, independence versus anxiety, and how life events like marriage, motherhood, and loss can transform our relationship with money.

Together, they explore the power of modeling behavior, the balance between preparation and fear, and why enjoying your money is just as important as managing it wisely. The episode closes with reflections on money legacy, guilty pleasures like travel and shared experiences, and practical wisdom on starting small, staying consistent, and taking control of your financial future.

A powerful reminder that money stories are deeply human, often inherited, and always rewriteable.