Overcoming Financial Challenges Happy Hour Style

martinis and your money

Overcoming Financial Challenges

On Monday I announced the launch of my new company, The Financial Gym, and getting to the point of launching this company has certainly been one of the greatest financial challenges I have faced in my life. So because of this recent challenge that I faced, I thought about asking the Happy Hour Ladies about financial challenges that they have faced. This led to a really great conversation between the four of us, and I hope you’ll listen to it.

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What are we drinking?

Melanie from Dear Debt – Cava – a Spanish Sparkling Wine

Tonya from Budget and the Beach – Andre – a California Sparkling Wine

Mrs. Frugalwoods from Frugalwoods – Sparking Grape Juice

Shannon – Piper Heidsieck – My favorite champagne

Podcast Notes:
  • The podcast sponsor has now been found – The Financial Gym!!! So check us out!
  • Shannon shares some of her story of overcoming financial obstacles to get her new company, The Financial Gym, off the ground
  • Melanie talks about overcoming over $80,000 in student loan debt
  • Tonya talks about her struggle of pursuing her freelancing career while also living in a high cost of living environment
  • Mr. and Mrs. Frugalwoods are planning to move to a homestead in the woods in two years or less. Their biggest challenge is having patience to work in a job environment that they don’t love.
  • Melanie talks about the sh&tpiles that everyone has to deal with and not comparing your sh&tpile to someone else’s
  • We share our final thoughts:
    • Tonya – if you’re going through a challenging time, use that challenge as motivation instead of allowing it to defeat you
    • Melanie – remember that your challenge is only temporary
    • Mrs. Frugalwoods – don’t be on a martini podcast when you’re pregnant and if you’re going through a tough time, don’t let other people make you feel bad or tell you what to do, follow your heart and what you want
    • Shannon – take a moment and give yourself perspective.
What’s the biggest challenge you have faced so far? How did you stay focused and positive to accomplish it?
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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. I really enjoy this one! I think a lot of people will be able to benefit from what we talked about because no one is perfect and we all have some kind of battle we are fighting. And of course congrats once again on the gym. I think that’s amazing!

  2. I love how you all discussed how the mind is the most powerful tool in your ability to overcome obstacles- it’s totally true. An awesome E (for elegance) rated episode!

  3. “Their biggest challenge is having patience to work in a job environment that they don’t love.”

    Oh man do I know this feeling. I have a goal of retirement in 10 years and I’m doing anything I can to accelerate that. But then there’s the catch-22 of not wanting to miss the life moments that are happening now. I don’t know how to handle it.

  4. I think the biggest challenge I’ve faced so far is trying to figure out how to fit our student loan payments into our budget. It’s such a drag on our finances. Ultimately, though, it’s really benefited us as it motivated me to pursue side hustles and through those side hustles I’ve been given opportunities I otherwise never would have had.

  5. Congrats Tonya! It’s hard to pull it off especially living in a high-cost environment where everything is expensive from apartment rent to transportation. One challenging part I have encountered is how I can manage my money and save 30% of my income.

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