Foolish Money Moves – Happy Hour Style

martinis and your money

Foolish Money Moves

If you are a regular visitor to this site or my podcast, you know that I  host a happy hour on my podcast on the last Friday of the month, and while this is technically the first Friday of the month, I thought it would be perfect to host a happy hour today since this is not just any first of the month, this is April Fool’s Day.

In this episode, the happy hour ladies and I talk about various foolish money moves we have made in our lives and what plans we have in place to avoid them in the future. We also go through a fun game of “Is it a Foolish Money Move or Not?” As usual, we have lots of fun, and I hope you enjoy!

What are we drinking?

Melanie from Dear Debt — Cabernet Sauvignon

Tonya from Budget and the Beach — Mini bottle of Laurier sparkling wine with a shot of kombucha

Mrs. Frugalwoods from — Boxed red wine

Shannon — Water



April Fool’s, Shannon is drinking a glass of champagne!

Podcast Notes

  • Melanie’s foolish money choices include overspending on friends, stupid ex-boyfriends, and going to NYU ($50,000/year).
  • Frugalwoods says in the past she made foolish money choices when it came to food.
  • Tonya’s foolish spending includes trying to become a life coach, buying a fish, and new cars.
  • Shannon’s top foolish money choices include paying off her first car and purchasing a new car soon after and putting hardwood floors in her small office.
  • Shannon then asks the ladies their views on if certain money situations are foolish or not:
    • The ladies agree that lending money to family/friends is generally foolish and you should understand you probably will not get your money back.
    • Tonya says that after already spending money on health saving measures to save her pet’s life, if the prognosis was bad, she would not do it again.
    • Frugalwoods says it depends on the pet’s quality of life.
    • The ladies all agree that spending money on monthly subscription boxes is absolutely foolish.
    • Melanie thinks spending money on cable TV is foolish, and Mrs. Frugalwoods and Babywoods agree.
    • Tonya defends it for those who watch sports.
    • Shannon believes it is foolish for the most part.
  • The ladies give advice about how to avoid making foolish money choices.
  • TAKEAWAY: We are all susceptible to making foolish money choices. Let go of the mistakes you make and learn from them for the future!

What are some foolish money moves you’ve made that you wish you could take back?

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Shannon is a financial planner who left a “traditional” financial services firm to start her own company, The Financial Gym, because she felt traditional financial services firms did not have the tools or resources to help people in their 20s and 30s who are starting out and trying to build assets while also managing debt. She realized that the key to long-term personal financial success is a commitment to financial fitness and making smart financial choices. Through her blog, Financially Blonde, her book, Train Your Way To Financial Fitness, her podcast, Martinis and Your Money and The Financial Gym, Shannon is committed to making financial fitness fun, easy and accessible for everyone.


  1. Hahaha!! You totally got me with your April fools joke!

    Another fun happy hour with y’all. Keep up the fun! 🙂


  2. A podcast shout out! Getting my running shoes ready, maybe I can out run the bus. I’ll have to get the wife approval to come on this podcast. 🙂 For the record I had to google kombucha. Great job as always!

  3. I’ve been listening to and loving this podcast for months, but this is my first comment!

    I had to laugh at the discussion about makeup subscriptions. (BTW, did you know that there’s a whole site dedicated to subscription plans, My Subscription Addiction?!) I subscribe to several of them, but they actually make me money. I separate out the contents and sell them individually and/or in lots on eBay. People love makeup and skincare samples!!

    My most costly financial move was letting inertia take over, and not switching propane providers. We overpaid by a staggering amount for several years, before finally biting the bullet, switching providers, and buying our own tank. We literally save hundreds of dollars every time our tank is filled!

  4. LAUGH and LEARN

    OMG!!!!! What an episode!!!!

    Unlike Brian, I haven’t listened to a podcast in my robe, but I did listen to this one while clearing Mesquite and Huisache. Other than me dropping a Huisache on top of myself, this was the best brush cutting session I’ve had. I call foul on the ladies, as their humor distracted me as I was making the final cut. My wife kept looking at me, wondering why I was laughing.

    Seriously, though, the podcast did have a serious side and provided TONS of great info. It’s great to know that I’m not the only one that’s played, “These Foolish Games,” with money. I’m 56 and still have SO much to learn, but I’m sharing podcasts like this, hoping to educate others on how to get ahead.

    Ladies, thanks for the intertainment and the knowledge!!!!!

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