💙 The True Cost of Long-Term Care — A Conversation With Ramona Holloway
Release Date: 11/20/2025
❓ Are You Spending Tomorrow’s Money Today? Smart Financial Boundaries for Women
Proactive Women's Podcast
Are you avoiding the uncomfortable money conversations you know you need to have? 🤫💰 With the holidays right around the corner, it’s all too easy to fall into the trap of "retail therapy" or justify impulse spending with “I work hard, I deserve it!” 🛍️✨ But when emotions drive our purchases, we often end up spending tomorrow’s money on today’s impulses. Join Joyce Palmer (CEO & Managing Partner of JP Financial Group) and co-host Francine as they break down emotional spending, holiday traps, and how to build long-term wealth without stripping the joy out of life! 🔥...
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Your Money Story: Rewriting the Beliefs That Are Costing You Wealth
Proactive Women's Podcast
The way you handle money today was shaped long before you earned your first paycheck. In this episode of Proactive Women Presents: The Uncomfortable Financial Conversations with Women, hosts Joyce Palmer and Francine sit down with certified money coach Shantel McRaven, founder of the Financially Mindful Society, to talk about the "money stories" we inherit from childhood—and how to challenge the ones that are quietly holding us back. This episode looks at what happens when the beliefs you grew up with about money stop serving the life you actually want to build. In this...
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What Women Really Spend (And Why It's Never What You Think)
Proactive Women's Podcast
Retail therapy, retirement math, and the "story" hiding in every purchase—this episode gets honest about where the money actually goes. In this episode of She Is Not The Bank, Joyce Palmer and Fran Marie dig into the real, everyday spending habits of women—not the big splashy purchases, but the small stuff that quietly adds up—and what it means for the future you're trying to build. This episode looks at how it's rarely one big decision that derails a budget—it's the invisible, recurring ones—and how paying closer attention to where your money goes can reshape your whole financial...
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Rewriting Your Money Story: The Habits You Inherited and How to Change Them
Proactive Women's Podcast
The way you handle money today was shaped long before you earned your first paycheck. In this episode of She Is Not The Bank, Joyce Palmer and Fran Marie sit down with certified money coach Shuntel, founder of the Financially Mindful Society, to talk about the "money stories" we inherit from childhood—and how to challenge the ones that are quietly holding us back. This episode looks at what happens when the beliefs you grew up with about money stop serving the life you actually want to build. In this episode, we talk about: Your Money Story: How the beliefs and habits you absorbed growing up...
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She Is Not The Bank
Proactive Women's Podcast
The traditional family paycheck has changed hands. In this episode of She Is Not The Bank, Joyce Palmer and Fran Marie dig into how more households now run on a woman's income first—and what that shift actually means for how families plan, spend, and think about money. This episode looks at what happens when the main provider role changes, but the old assumptions around it don't always keep up. In this episode, we talk about: The New Breadwinner Dynamic: How more families now rely primarily on a woman's income, and what that shift changes—and doesn't change—at home. Money and...
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Will I Outlive My Money?
Proactive Women's Podcast
One of the quiet financial fears many people carry is simple—but heavy: Will my money last as long as I need it to? In this episode of the Proactive Women Podcast, Joyce Palmer and Fran Marie explore the realities, questions, and planning gaps that sit underneath that concern. This is a practical conversation about longevity, financial decisions, and the assumptions we make about income, spending, and the future. In this episode, we discuss: The longevity question: Why this concern shows up more often than people admit, and what typically drives it. Spending vs. sustainability: How lifestyle...
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Things I Wish I Knew: My Money Story
Proactive Women's Podcast
Money has a way of reflecting the choices, habits, and conversations we often avoid. In this episode of the Proactive Women Podcast, Joyce Palmer and Fran Marie reflect on the financial lessons, missteps, and realizations that shape a personal money story—and what they wish they had understood sooner. In this episode, we discuss: Looking back at money decisions: How early experiences and choices can quietly shape your financial path. Lessons learned the hard way: Common financial mistakes and what they reveal when you look at them with hindsight. Money habits over time: How small patterns in...
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Protect Your Identity: The Ultimate Financial Spring Cleaning
Proactive Women's Podcast
This week on the Proactive Women Podcast, Joyce and Fran are helping you clear out the clutter and protect your identity! We all have that one filing cabinet or drawer overflowing with old utility bills, bank statements, and outdated tax returns. But did you know that holding onto these documents—or worse, throwing them in the regular trash—makes you a prime target for identity theft? In this episode, we break down the definitive rules of document retention: what to keep, how long to keep it, and what needs to be destroyed immediately. We are also thrilled to announce all the details for...
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Surviving the "I" Word: How to Inflation-Proof Your Retirement
Proactive Women's Podcast
This week on the Proactive Women Podcast, Joyce and Fran are getting down to the nitty-gritty of a financial reality we are all feeling: Inflation. It's the silent wealth killer. While the historical inflation rate sits around 2%, we are currently experiencing rates between 3% and 3.5%, eating away at our purchasing power every single day. Joyce breaks down exactly why a traditional retirement portfolio could fail if it isn't rigorously stress-tested against these rising costs. We talk about the painful reality of rising grocery bills, gas prices, and insurance premiums, and how to adjust your...
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Don't Claim Your Benefits Until You Hear This! (Part 2)
Proactive Women's Podcast
Welcome back to Part 2 of our deep dive into Social Security! This week on the Proactive Women's Podcast, Joyce and Fran tackle the hard-hitting questions regarding the future of your retirement income. With Social Security making up over 60% of retirement income for many women, we cannot afford to just click a button and hope for the best. Joyce breaks down the reality of Social Security taxation, the alarming projections that the trust fund could face a 20-25% shortfall by 2032, and why you desperately need additional income sources like IRAs and 401(k)s. You'll also get a very specific...
info_outlineIn this deeply personal and eye-opening episode, Joyce Palmer of JP Financial Group and Fran Marie sits down with Ramona Holloway — beloved radio host, speaker, and devoted caregiver — to talk about the emotional and financial realities families face when long-term care becomes part of the journey.
Ramona shares her own experience caring for her mother, revealing the unexpected challenges, the hidden costs, and the life-changing lessons that come with being a caregiver. This is the conversation every family needs to hear but rarely has.
🎧 In this episode, you’ll learn:
• The true cost of long-term care (beyond the price tag)
• How caregiving impacts your savings, retirement, and emotional well-being
• Steps you can take now to prepare — financially and mentally
• Why so many people are unprepared, and how to avoid the same mistakes
• Encouragement for anyone currently caring for a parent or aging loved one
This episode offers truth, compassion, and practical financial wisdom — all in one place.
👉🏽 Follow the podcast and share this episode with someone who is walking the caregiving journey.
Your story matters. Your loved ones matter. And your financial peace matters too.