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196: Get Your Kid College Ready and Help Them Graduate Debt Free with Shellee Howard, Founder of College Ready

The Overcoming Overspending Podcast

Release Date: 04/29/2025

219: My Spending Secret Weapon to Delay Gratification & Make Aligned Choices (Financial Future You) show art 219: My Spending Secret Weapon to Delay Gratification & Make Aligned Choices (Financial Future You)

The Overcoming Overspending Podcast

Why is it so hard to make decisions today that benefit you years from now? In this episode, we’re diving into one of the most powerful — and underused — tools for long-term financial change: Future Financial You. You’ll learn why most people struggle to delay gratification, why saving and long-term planning feel unnatural to the brain, and how the lack of connection to your future self keeps you stuck in short-term patterns — even when you know better. We’ll explore the neuroscience behind future-self connection, why vague visions don’t pull you forward, and how to stop trying to...

info_outline 218: Interest vs. Commitment: Why Most People Give Up on Their Goals, and How to Be the One Who Doesn’t show art 218: Interest vs. Commitment: Why Most People Give Up on Their Goals, and How to Be the One Who Doesn’t

The Overcoming Overspending Podcast

Why do so many people start the year feeling motivated — and then quietly give up on their goals just weeks later? In this episode, we’re breaking down the real reason most goals don’t stick, and it has nothing to do with discipline, willpower, or motivation. The real issue is that most people approach their goals with interest instead of commitment — and when uncertainty shows up, they quit. You’ll learn why nearly half of people abandon their goals by the end of January, why your brain would rather cling to the certainty of failure than tolerate the uncertainty of success, and how...

info_outline 217: The Power of Possibility: Thinking Bigger To Become Your Wealthiest Self in 2026 show art 217: The Power of Possibility: Thinking Bigger To Become Your Wealthiest Self in 2026

The Overcoming Overspending Podcast

What if the reason you haven’t created the life you know you’re capable of has nothing to do with discipline, intelligence, or motivation — and everything to do with what your brain believes is “realistic” for you?   In this episode, we’re diving deep into the neuroscience behind possibility, belief, and why so many high-achieving women stay stuck repeating the same year over and over — even when they want more.   You’ll learn how your brain forms a possibility map that quietly dictates what you pursue, what feels safe, and what you automatically rule out. We’ll...

info_outline 216: Wanting What You Already Have: The Antidote to Scarcity show art 216: Wanting What You Already Have: The Antidote to Scarcity

The Overcoming Overspending Podcast

This week, we’re shifting out of the intensity of the past few episodes and into a more grounding, heart-opening practice — one that can completely transform how you feel about your life, your money, and your daily emotional experience. Inside today’s episode, Paige walks you through one of the most powerful mindset tools she teaches her clients: learning to want what you already have. You’ll explore: ✨ How scarcity quietly weaves itself into your mornings, your self-talk, and your spending ✨ Why your brain is wired to focus on what’s missing — and how to retrain it ✨ The...

info_outline 215: Problems are forever: Pick yours with purpose show art 215: Problems are forever: Pick yours with purpose

The Overcoming Overspending Podcast

We live in a world obsessed with “fixing” problems — fixing our flaws, fixing our money, fixing our lives. But what if the goal was never to eliminate problems… but to choose better ones? In this episode, Paige reframes the entire concept of “having problems” and shows you why a problem-free life is not only impossible… it’s undesirable. She breaks down the difference between low-quality problems that drain your power and high-quality problems that expand it, and reveals why the challenges you choose determine the life you create. This is a grounding, perspective-shifting...

info_outline 214: Are you creating your own suffering? A deep dive into Clean vs. Dirty Pain show art 214: Are you creating your own suffering? A deep dive into Clean vs. Dirty Pain

The Overcoming Overspending Podcast

What if most of your emotional suffering isn’t coming from your circumstances—but from the way you’re responding to them? In this episode, Paige unpacks the life-changing concept of clean pain vs. dirty pain—a framework that helps you understand the difference between necessary pain that expands you and self-created suffering that keeps you stuck. You’ll learn: The key difference between clean and dirty emotional pain Why feeling your feelings isn’t the same as suffering The five ways we unknowingly create unnecessary emotional pain (and how to stop) How to allow emotional...

info_outline 213: The Promises Behind Your Purchases: Why you're never really buying what you think you are show art 213: The Promises Behind Your Purchases: Why you're never really buying what you think you are

The Overcoming Overspending Podcast

In this eye-opening episode of the Overcoming Overspending Podcast, Paige reveals the deeper emotional layers behind every purchase you make. Whether it’s a $22 smoothie, a new planner, or luxury skincare, you're not just buying a product—you’re buying a promise. Paige walks you through the 5 Ps of purchasing and introduces powerful new shopper archetypes like The Fixer, The Prover, and The Chameleon, helping you decode your spending habits on a whole new level. If you've ever wondered why you want what you want—or if that thing you’re craving is really the solution—it’s time to...

info_outline 212: 10 Money Ironies that will completely change how you see and spend your money show art 212: 10 Money Ironies that will completely change how you see and spend your money

The Overcoming Overspending Podcast

You’ve been told that more money means more freedom, that success brings security, and that buying what you want will make you feel better. But what if everything you believed about money... is wrong? In this episode, Paige peels back the curtain on 10 deeply ironic truths about money — moments where what we expect from spending, saving, or earning completely contradicts what we actually experience. These aren’t abstract theories; they’re the hidden emotional patterns that can quietly sabotage even the smartest, most successful women. From why your daily latte might be dulling your joy...

info_outline 211: Overspending on Gifts: When 211: Overspending on Gifts: When "More" or Expensive Starts to Mean Love

The Overcoming Overspending Podcast

Do you secretly believe the more expensive or extravagant the gift, the more love it shows? In this episode, Paige pulls back the curtain on the gift-giving guilt spiral that fuels so much unnecessary overspending — especially during the holidays. She explores why we associate “meaningful” with “expensive” or “voluminous,” how our culture reinforces that belief, and why even thoughtful gift-givers can feel depleted, resentful, or broke. You’ll learn: • Why we confuse financial sacrifice with emotional significance • The surprising science of what recipients actually value...

info_outline 210: How to stop a spending snowball show art 210: How to stop a spending snowball

The Overcoming Overspending Podcast

Is your spending starting to feel… a little out of control? Like you’ve gone from “just one thing” to “how did we get here?” In today’s episode, Paige breaks down what she calls the Spending Snowball — a powerful (and surprisingly common) psychological spiral that turns one small, innocent purchase into a runaway avalanche of overspending. You’ll learn how to spot the signs early, understand the deeper psychological patterns at play (like the Diderot Effect), and the exact steps to stop the spiral — with compassion, not shame. Whether it’s the holidays, a vacation, a big...

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More Episodes

Making sure your child is college ready can be an overwhelming, confusing, and illusive process. How do you know if your child is college ready? What should you and your child be focusing on to ensure they are competitive and stand out throughout the admissions process? When should you even start thinking about college for your child and what are common pitfalls you need to avoid? These questions and more are the focus of this week's episode with the founder and CEO of College Ready, Shellee Howard.

Shellee is a Certified Independent College Strategist and a best-selling author. She helps students gain admission to their best-fit colleges—often debt-free. Shellee has guided hundreds of students worldwide to top universities, ensuring they graduate debt-free and land jobs they love and she's on a mission to help one million families get into their dream school and graduate without debt.


In this episdoe Shellee and I discuss:

  • at what age you and your children should start preparing for college
  • the 7 factors that contribute to your child standing out in the admissions process
  • why the normal community service hours don't go far to make your child stand out and what they should be doing instead
  • if college is still a worthwhile financial investment and how to ensure you get a positive ROI from your child's college investment
  • what the "sweet spot" is for how many schools your child needs to be applying to
  • the biggest mistakes Shellee see's students making during the admissions process (so you can avoid them)
  • how to pay for your child's college using scholarships and the different types of scholarships available
  • the biggest mistakes she see's parents making when applying for scholarships or financial aid
  • the hidden costs of college that most parents fail to get prepared for

If you'd like to connect with Shellee or College Ready, you can do so by using all of the links below. Enjoy!

 
Connect and Work with Shellee & College Ready: