The New Money Habits Podcast

Hosted by Coach Nino Villa

Investing Education

Website RSS feed

Episodes

219

Latest episode

Jun 2026

Language

Listen to episodes

60 recent

June 10, 202634 min

Mid-Year Money Reset for Couples: How to Talk About Money Without Fighting | Ep. 219

Money conversations can be hard for couples, especially when both people are carrying different stories, habits, fears, and assumptions into the relationship. In this episode of The New Money Habits Podcast, Nino Villa is joined by co-host Karen Hackman, the New Money Habits voice for money and marriage, to talk about the mid-year reset from a couples perspective. Karen shares why many couples avoid money conversations, how fear of conflict can keep people from talking honestly, and why learning how to talk about money together can change more than just the budget. Nino and Karen discuss money stories, shared bank accounts, different upbringings, grocery pressure, rising costs, avoiding statements, creating a Peace of Mind Fund, and why getting the numbers out of your head and onto paper can bring relief. They also talk about how couples can schedule a simple money date, listen without judgment, and begin making a plan together as a team. If you and your spouse have been avoiding money conversations, this episode will help you start with more calm, clarity, and hope. Learn more at NewMoneyHabits.com Join the New Money Habits CommunityStart your 7-day free trial and connect with others building healthier money habits. Memberships start at $7/month. Helpful Resources Mentioned in This Episode [Watch on YouTube](INSERT YOUTUBE LINK)Full video version of this episode. Payday Power PlannerA free tool to help you plan your money between paychecks and make clearer decisions before the next payday arrives. Food Number CalculatorA free tool to help simplify food budgeting and planning. Submit Your QuestionsEmail us at podcast@newmoneyhabits.com Join Our Free Facebook Grouphttps://www.facebook.com/groups/newmoneyhabits Schedule a Free Call with Coach Ninohttps://www.newmoneyhabits.com/freesession Online Course: How to Create a Better BudgetYour Foundation to Financial Freedomhttps://www.newmoneyhabits.com/bootcamp Music CreditsThis episode features music by Summer School. Connect With UsFollow @newmoneyhabits on social media for more insights, tools, and updates.

June 3, 202623 min

Mid-Year Money Reset: Look Back with Honesty, Move Forward with Clarity | Ep. 218

The halfway point of the year is a natural time to pause, look back, and reset your money with more honesty and less shame. In this episode of The New Money Habits Podcast, Nino Villa is joined by Mike Kinealy, co-founder of New Money Habits, to talk about what a mid-year money reset can actually look like. They discuss why looking back at the first half of the year is not about self-condemnation, but about noticing what worked, what did not, and what needs to change as you move into the second half of the year. Nino and Mike talk about savings goals, debt payoff, underbudgeted categories, avoidance, cash-flowing unexpected expenses, and why progress should still be celebrated even when it does not look exactly like the original goal. They also discuss the difference between intensity and clarity, and why trying to change everything at once usually creates pressure instead of progress. If your money plan has drifted, your goals need to be adjusted, or you simply need a clearer place to begin again, this conversation will help you look back calmly and move forward with a more realistic next step. Learn more at NewMoneyHabits.com Join the New Money Habits CommunityStart your 7-day free trial and connect with others building healthier money habits. Memberships start at $7/month. Helpful Resources Mentioned in This Episode Watch on YouTube: Full video version of this episode here. Payday Power PlannerA free tool to help you plan your money between paychecks and make clearer decisions before the next payday arrives. Food Number CalculatorA free tool to help simplify food budgeting and planning. Submit Your QuestionsEmail us at podcast@newmoneyhabits.com Join Our Free Facebook Grouphttps://www.facebook.com/groups/newmoneyhabits Schedule a Free Call with Coach Ninohttps://www.newmoneyhabits.com/freesession Online Course: How to Create a Better BudgetYour Foundation to Financial Freedomhttps://www.newmoneyhabits.com/bootcamp Music CreditsThis episode features music by Summer School. Connect With UsFollow @newmoneyhabits on social media for more insights, tools, and updates.

May 27, 202633 min

What Student Loan Borrowers Need to Know Before July 2026 | Ep. 217

Student loans are changing in a major way, and many borrowers may not realize how much their repayment options could shift. In this episode of The New Money Habits Podcast, Nino Villa is joined by student loan coach Renée Earwood to talk through the federal student loan changes scheduled for July 1, 2026. Renée explains why this date matters, how the current student loan system is being restructured, and why borrowers should not assume their repayment plan will simply stay the same with a few minor tweaks. They discuss the SAVE plan going away, changes to income-driven repayment options, the new Repayment Assistance Plan, forgiveness timelines, possible tax consequences, and why borrowers may see their monthly payments increase. Renée also explains why Parent PLUS borrowers may be especially affected and why it is important to understand your loan type, repayment plan, income, family size, tax filing status, and long-term financial goals before making decisions. If you have student loans, Parent PLUS loans, or someone in your household is preparing to borrow for college, this conversation is an important place to start. The rules are changing, and the more clearly you understand your options now, the better prepared you can be before those changes take effect. Learn more at NewMoneyHabits.com Join the New Money Habits CommunityStart your 7-day free trial and connect with others building healthier money habits. Memberships start at $7/month. Helpful Resources Mentioned in This Episode Watch on YouTubeFull video version of this episode. Payday Power PlannerA free tool to help you plan your money between paychecks and make clearer decisions before the next payday arrives. Food Number CalculatorA free tool to help simplify food budgeting and planning. Submit Your QuestionsEmail us at podcast@newmoneyhabits.com Join Our Free Facebook Grouphttps://www.facebook.com/groups/newmoneyhabits Schedule a Free Call with Coach Ninohttps://www.newmoneyhabits.com/freesession Online Course: How to Create a Better BudgetYour Foundation to Financial Freedomhttps://www.newmoneyhabits.com/bootcamp Music CreditsThis episode features music by Summer School. Connect With UsFollow @newmoneyhabits on social media for more insights, tools, and updates.

May 20, 202631 min

How to Stop Overspending on Vacation | Ep. 216

Travel can be meaningful, fun, and full of memories. But it can also become one of the easiest places to overspend, even when you thought you had a plan. In this episode of The New Money Habits Podcast, Nino Villa is joined by Mary Ann Stenquist, who helps people become UnShoppable, for a conversation about why people overspend before and during vacation. They talk about the tendency to buy things for the trip, the pressure to capture the moment with souvenirs, the pull of convenience, and the fear of missing out when an opportunity feels like it may never come again. Mary Ann explains why travel can become a perfect storm for overspending. You are out of your normal routine, trying to enjoy the experience, and often making decisions in the moment. That is why planning backwards can be so helpful. Instead of trying to spend freely on everything, you decide what matters most, plan for that first, and then cut back in the areas that do not matter as much. Nino and Mary Ann also discuss how to use a travel planner to think through the major categories of a trip, how to cash flow travel over upcoming paydays, and how to come home with memories instead of a credit card balance you are still trying to recover from. If you have ever come home from a trip wondering how you spent more than expected, this episode will help you think about travel with more clarity and intention.   Learn more at New Money Habits:https://www.newmoneyhabits.com Join the New Money Habits Community:Start your 7-day free trial and connect with others building healthier money habits. Memberships start at $7/month.https://www.patreon.com/NewMoneyHabits Helpful Resources Mentioned in This Episode: Payday Power Planner:A free tool to help you plan your money between paychecks and make clearer decisions before the next payday arrives.https://www.newmoneyhabits.com/freebudgetform Food Number Calculator:A free tool to help simplify food budgeting and planning.https://www.newmoneyhabits.com/budgeteers/helpful-tools Submit Your Questions:Have a question for the show? Email us at podcast@newmoneyhabits.com Join Our Free Facebook Group:Connect with others building healthier money habits.https://www.facebook.com/groups/newmoneyhabits Schedule a Free Call with Coach Nino:Talk through your financial goals and next steps.https://www.newmoneyhabits.com/freesession Online Course: How to Create a Better BudgetYour Foundation to Financial Freedomhttps://www.newmoneyhabits.com/bootcamp Music Credits:This episode features music by Summer School. Connect With Us:Follow @newmoneyhabits on social media for more insights, tools, and updates. @newmoneyhabits

May 13, 202625 min

Turn Travel Dreams Into a Real Plan | EP. 215

Travel can feel exciting, meaningful, and completely overwhelming all at the same time. In this episode of The New Money Habits Podcast, Nino Villa is joined by Bereket Kelile, New Money Habits’ trusted voice in future planning, to talk about how to turn a travel dream into a real plan. Together, they explore why travel goals often feel out of reach, how vague assumptions can make a trip feel more expensive or complicated than it really is, and why getting specific is usually the first step toward making progress. Bereket shares stories from his work with clients, including one couple who assumed a Europe trip would be too expensive until the numbers became clearer, and another couple who only needed a simple deadline to finally take the next step toward a weekend getaway. Those stories point to a practical truth: when a goal stays vague, it is hard to act on it. But when you give it a destination, a timeline, and a next small step, the plan starts to take shape. Nino and Bereket also talk about how travel planning connects to future planning more broadly. Whether the goal is years away or only a few months away, the process is similar: make the abstract concrete, gather real numbers, identify the next step, and build momentum from there. If you have a trip you want to take but have not known where to begin, this conversation will help you move from “someday” to something clearer.   Learn more at NewMoneyHabits.com Join the New Money Habits CommunityStart your 7-day free trial and connect with others building healthier money habits. Memberships start at $7/month. Helpful Resources Mentioned in This Episode [Watch on YouTube](INSERT YOUTUBE LINK)Full video version of this episode. Payday Power PlannerA free tool to help you plan your money between paychecks and make clearer decisions before the next payday arrives. Food Number CalculatorA free tool to help simplify food budgeting and planning. Submit Your QuestionsEmail us at podcast@newmoneyhabits.com Join Our Free Facebook Grouphttps://www.facebook.com/groups/newmoneyhabits Schedule a Free Call with Coach Ninohttps://www.newmoneyhabits.com/freesession Online Course: How to Create a Better BudgetYour Foundation to Financial Freedomhttps://www.newmoneyhabits.com/bootcamp Music CreditsThis episode features music by Summer School. Connect With UsFollow @newmoneyhabits on social media for more insights, tools, and updates.

May 6, 202635 min

Mindful Spending, Part 3: The Four Ds for Better Money Decisions | Ep. 214

In the final part of this conversation, Coach Nino Villa and Mary Ann Stenquist focus on one of the most practical parts of mindful spending: how to make better decisions in real time. Mary Ann shares her four Ds of decision-making, a simple framework designed to help people slow down, think clearly, and make spending choices with more intention. This part brings the conversation into everyday application and helps connect mindset with action. If you’ve ever wished you had a simple way to pause before spending and make a stronger decision, this episode will give you something practical to work with. Learn more at NewMoneyHabits.com  Join the New Money Habits Community Join our free community and connect with others building healthier money habits Become a member starting at $7/month Start your 7-day free trial today Helpful Resources Mentioned in This Episode Watch on YouTube: Full video version of this episode Payday Power Planner (FREE): Streamline your budgeting processhttps://www.newmoneyhabits.com/budgeteers/helpful-tools  Food Number Calculator (FREE): Simplify food budgeting and planninghttps://www.newmoneyhabits.com/budgeteers/helpful-tools  Submit Your Questions: Email us at podcast@newmoneyhabits.com  Join Our Free Facebook Group:https://www.facebook.com/groups/newmoneyhabits  Schedule a Free Call with Coach Nino:https://www.newmoneyhabits.com/budgeteers/contact  Online Course: How to Create a Better Budget: Your Foundation to Financial Freedomhttps://www.newmoneyhabits.com/bootcamp  Music CreditsThis episode features music by Summer School. Connect With UsFollow @newmoneyhabits on social media for more insights, tools, and updates.  

April 29, 202633 min

Mindful Spending, Part 2: Why Planning for Spontaneity Matters | Ep. 213

In Part 2 of this conversation, Coach Nino Villa continues talking with Mary Ann Stenquist about a deeper question: why does shopping sometimes feel less like a want and more like a need? Mary Ann connects the six spending types to Maslow’s hierarchy of needs and explains how spending is often tied to emotional needs that are not being met in more lasting ways This conversation goes beyond “just stop spending” advice and looks at what is actually happening underneath the surface. You’ll hear why dopamine is only part of the picture, how marketers tap into those deeper needs, and why mindfulness matters if someone wants to change their relationship with money If shopping has ever felt like an escape, a reward, or something you turn to when life feels heavy, this episode will help you understand why.  Learn more at NewMoneyHabits.com  Join the New Money Habits Community Join our free community and connect with others building healthier money habits Become a member starting at $7/month Start your 7-day free trial today Helpful Resources Mentioned in This Episode Watch on YouTube: Full video version of this episode Payday Power Planner (FREE): Streamline your budgeting processhttps://www.newmoneyhabits.com/budgeteers/helpful-tools  Food Number Calculator (FREE): Simplify food budgeting and planninghttps://www.newmoneyhabits.com/budgeteers/helpful-tools  Submit Your Questions: Email us at podcast@newmoneyhabits.com  Join Our Free Facebook Group:https://www.facebook.com/groups/newmoneyhabits  Schedule a Free Call with Coach Nino:https://www.newmoneyhabits.com/budgeteers/contact  Online Course: How to Create a Better Budget: Your Foundation to Financial Freedomhttps://www.newmoneyhabits.com/bootcamp  Music CreditsThis episode features music by Summer School. Connect With UsFollow @newmoneyhabits on social media for more insights, tools, and updates.  

April 22, 202626 min

Mindful Spending, Part 1: Why Your Money Decisions Feel So Automatic | Ep. 212

In this episode of The New Money Habits Podcast, Coach Nino Villa is joined by Mary Ann Stenquist, The Money Make Under and Spending Coach, for Part 1 of a conversation about why overspending happens and how to start understanding it more clearly. Mary Ann shares how her own frustration with overspending led her to a different question. Instead of asking why the budget was not working, she started looking more closely at how money was actually being spent and what was driving those decisions. That led her to identify six common spending types and the emotional patterns behind them In this episode, you’ll hear why overspending is not always a budgeting problem, how someone can overspend even in categories that feel necessary, and why understanding your spending type can become a starting point for much healthier money habits If you’ve ever felt confused about why you keep spending in certain ways even when the numbers seem fine on paper, this conversation will help you start making sense of it. Learn more at NewMoneyHabits.com  Join the New Money Habits Community Join our free community and connect with others building healthier money habits Become a member starting at $7/month Start your 7-day free trial today Helpful Resources Mentioned in This Episode Watch on YouTube: Full video version of this episode Payday Power Planner (FREE): Streamline your budgeting processhttps://www.newmoneyhabits.com/budgeteers/helpful-tools  Food Number Calculator (FREE): Simplify food budgeting and planninghttps://www.newmoneyhabits.com/budgeteers/helpful-tools  Submit Your Questions: Email us at podcast@newmoneyhabits.com  Join Our Free Facebook Group:https://www.facebook.com/groups/newmoneyhabits  Schedule a Free Call with Coach Nino:https://www.newmoneyhabits.com/budgeteers/contact  Online Course: How to Create a Better Budget: Your Foundation to Financial Freedomhttps://www.newmoneyhabits.com/bootcamp  Music CreditsThis episode features music by Summer School. Connect With UsFollow @newmoneyhabits on social media for more insights, tools, and updates.  

April 3, 202641 min

Spring Cleaning Your Finances: How Clutter Is Costing You More Than You Think | Ep. 211

In this episode of The New Money Habits Podcast, Coach Nino Villa and Maria Casillas explore something most people don’t immediately connect: The relationship between clutter and your money. We tend to think of clutter as a physical problem — too much stuff, not enough space — but it often shows up the same way in our finances. Accounts spread out, decisions delayed, things sitting in the background longer than they should. And over time, that lack of clarity starts to compound. In this conversation, Nino and Maria walk through what it actually looks like to “clean up” your finances — not by doing everything at once, but by starting to see things more clearly. They talk about how clutter affects your mental energy, how disorganization carries over into money decisions, and why small steps toward clarity tend to create more momentum than big, overwhelming plans. You’ll also hear practical ways to: • identify where financial clutter is showing up• simplify your financial picture• manage your time and attention more intentionally• help the next generation build better habits early If things have felt scattered, unclear, or heavier than they should, this episode will help you start making sense of it — one step at a time.  Learn more at NewMoneyHabits.com  Join the New Money Habits Community Join our free community and connect with others building healthier money habits Become a member starting at $7/month Start your 7-day free trial today Helpful Resources Mentioned in This Episode Watch on YouTube: Full video version of this episode Payday Power Planner (FREE): Streamline your budgeting processhttps://www.newmoneyhabits.com/budgeteers/helpful-tools  Food Number Calculator (FREE): Simplify food budgeting and planninghttps://www.newmoneyhabits.com/budgeteers/helpful-tools  Submit Your Questions: Email us at podcast@newmoneyhabits.com  Join Our Free Facebook Group:https://www.facebook.com/groups/newmoneyhabits  Schedule a Free Call with Coach Nino:https://www.newmoneyhabits.com/budgeteers/contact  Online Course: How to Create a Better Budget: Your Foundation to Financial Freedomhttps://www.newmoneyhabits.com/bootcamp  Music CreditsThis episode features music by Summer School. Connect With UsFollow @newmoneyhabits on social media for more insights, tools, and updates.  

March 18, 202636 min

Putting Food on the Table: How Much Should You Spend on Groceries? | Ep. 210

In this episode of The New Money Habits Podcast, Coach Nino Villa explores three ideas that can reshape the way you think about everyday money decisions. First, Nino walks through one of the most common budgeting questions people ask: How much should we actually spend on food? He shares practical strategies to help you determine a realistic food budget for each pay period so you can feed your family well without feeling out of control at the grocery store. Next, he discusses a growing financial trend among Gen-Z that may sound surprisingly familiar to older generations: cash stuffing. This approach to managing spending highlights how simple, tangible systems can help people stay intentional with their money. Finally, Nino invites listeners to consider a deeper question: What does it mean to serve money? Rather than allowing money to control our decisions, cultivating a mindset of stewardship allows us to manage money with clarity, purpose, and responsibility. In this episode, you’ll learn: 🧠 How to determine a realistic food budget for each pay period📊 Why budgeting for food first can bring more stability to your finances💵 What the cash stuffing trend reveals about managing spending intentionally⚖️ The difference between serving money and letting money control you🌱 How a stewardship mindset can transform your relationship with money If grocery spending has ever felt confusing or inconsistent, this conversation will help you approach it with greater clarity and confidence. Learn more at NewMoneyHabits.com  Join the New Money Habits Community Join our free community and connect with others building healthier money habits Become a member starting at $7/month Start your 7-day free trial today Helpful Resources Mentioned in This Episode Watch on YouTube: Full video version of this episode Payday Power Planner (FREE): Streamline your budgeting processhttps://www.newmoneyhabits.com/budgeteers/helpful-tools  Food Number Calculator (FREE): Simplify food budgeting and planninghttps://www.newmoneyhabits.com/budgeteers/helpful-tools  Submit Your Questions: Email us at podcast@newmoneyhabits.com  Join Our Free Facebook Group:https://www.facebook.com/groups/newmoneyhabits  Schedule a Free Call with Coach Nino:https://www.newmoneyhabits.com/budgeteers/contact  Online Course: How to Create a Better Budget: Your Foundation to Financial Freedomhttps://www.newmoneyhabits.com/bootcamp  Music CreditsThis episode features music by Summer School. Connect With UsFollow @newmoneyhabits on social media for more insights, tools, and updates.  