Financially Naked
Your Best. Financial. Friends. (B.F.F.s) give you a weekly dose of personal finance stories, tips and insights. Join Trainers of The Financial Gym as they dig deep below the surface and get real about money! Along the way, they’ll be joined by members of the FinGym Fam for conversations about their own journeys of financial fitness and the triumphs and tribulations along the way.
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REPLAY: Year End Stressors
12/31/2025
REPLAY: Year End Stressors
We're taking some time to highlight our best Gymsplain Episodes. Last year Rachel and Whitney shared a heartfelt conversation about handling the financial and emotional pressures of the holiday season. Whitney opens up about her personal journey, reflecting on her past experiences and lessons learned, while both hosts offer tips and tricks for focusing on financial and mental health during a busy time of year. For more details check out our show notes ! If you want to work with a Certified Financial Trainer to help navigate your finances, schedule today! If you have any ideas or questions for the show, send an email to
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REPLAY: Children's Book on Money - Emergency Quarters by Carlos Matias
12/24/2025
REPLAY: Children's Book on Money - Emergency Quarters by Carlos Matias
We're taking some time to highlight our best Gymsplain Episodes. Today our client Carlos, a talented writer and author, joins us to discuss his new children's book, Emergency Quarters. Inspired by his childhood experiences growing up in Queens, New York, Carlos shares the heartwarming journey of Ernesto, a young boy who learns the value of a quarter in the era of payphones. We chat about the importance of financial literacy, especially for children, and how Carlos's upbringing in a tight-budget household shaped his understanding of money. We explore the origins of Emergency Quarters, from a celebrated essay in The New York Times to a beloved picture book. For more details check out our show notes ! If you want to work with a Certified Financial Trainer to help navigate your finances, schedule today! If you have any ideas or questions for the show, send an email to
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REPLAY: Salary Negotiation
12/17/2025
REPLAY: Salary Negotiation
We're taking some time to highlight our best Gymsplain Episodes. In this episode of Financially Naked: Stories from The Financial Gym, host Sara B is joined by the multi-talented Paige Williams, a career coach and salary negotiation expert who recently achieved Financial Independence, Retire Early (FIRE) after an impressive eight-year corporate career. For more details check out our show notes ! If you want to work with a Certified Financial Trainer to help navigate your finances, schedule today! If you have any ideas or questions for the show, send an email to
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REPLAY: Travel Hacking
12/10/2025
REPLAY: Travel Hacking
We're taking some time to highlight our best Gymsplain Episodes. On this episode Garrett and Tina are here to talk about the world of travel hacking. They break down what it is, how to get started, and key strategies to maximize points and miles for discounted travel. Whether you’re new to travel hacking or looking to refine your approach, this episode offers information, practical tips, and tricks to help you travel for less in style. For more details check out our show notes ! If you want to work with a Certified Financial Trainer to help navigate your finances, schedule today! If you have any ideas or questions for the show, send an email to
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REPLAY: Applying for a Loan/Mortgage
12/03/2025
REPLAY: Applying for a Loan/Mortgage
We're taking some time to highlight our best Gymsplain Episodes. On this episode Catriona and Jill talk about the ins and outs of applying for loans and mortgages. They cover the basics of personal and secured loans, navigating the loan application process, and details like debt-to-income ratios and credit scores. The hosts break down the importance of doing your due diligence, reading the fine print, and knowing your budget before taking on new debt. They also discuss the benefits of working with trusted people and practical tips to make the loan process less intimidating. For more details check out our show notes ! If you want to work with a Certified Financial Trainer to help navigate your finances, schedule today! If you have any ideas or questions for the show, send an email to
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REPLAY: The Home Buying Process
11/26/2025
REPLAY: The Home Buying Process
We're taking some time to highlight our best Gymsplain Episodes. Today Garrett and Jill talk all about the home-buying process. Jill has an insider's perspective as a mortgage broker, and Garrett recently bought a home! They discuss Garrett's experience and the lessons he learned that can be applied to anyone starting this process. Purchasing a home is an amazing accomplishment, but the process can be tedious. If owning a home is one of your goals, this episode will help you prepare. For more details check out our show notes ! If you want to work with a Certified Financial Trainer to help navigate your finances, schedule today! If you have any ideas or questions for the show, send an email to
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REPLAY: Why You Need An Accountability Partner
11/19/2025
REPLAY: Why You Need An Accountability Partner
We're taking some time to highlight our best Gymsplain Episodes. Our hosts, Tina and Sam, started as clients at The Financial Gym before becoming Trainers. In today’s episode they delve into the transformative power of accountability partners and discuss why having an accountability partner, like we do at The Financial Gym, is a game-changer in achieving financial success. At The Financial Gym, we know the significance of having someone by your side to keep you on track. In this episode, Tina and Sam share their experiences as clients turned trainers, exploring the unique perspective an accountability buddy brings to your financial journey. So, whether you're a resolution enthusiast or simply looking for a monthly reset, discover how a Certified Financial Trainer can be the perfect accountability partner for your financial goals. For more details check out our show notes ! If you want to work with a Certified Financial Trainer to help navigate your finances, schedule today! If you have any ideas or questions for the show, send an email to
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REPLAY: Moving Abroad
11/12/2025
REPLAY: Moving Abroad
We're taking some time to highlight our best Gymsplain Episodes. On this episode Kadri and Jill dive into how to move and live abroad. They share their experiences living in various parts of the world, including France, Ecuador, Jamaica, Spain, and beyond. They discuss the unique challenges and financial lessons learned from their international moves, offering insights and practical tips for anyone considering a life overseas. Join us as we explore the joys and hurdles of embracing new cultures, managing finances across borders, and following your dreams to new destinations. For more details check out our show notes ! If you want to work with a Certified Financial Trainer to help navigate your finances, schedule today! If you have any ideas or questions for the show, send an email to
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REPLAY: Financial Moves To Make Before The End Of The Year
11/05/2025
REPLAY: Financial Moves To Make Before The End Of The Year
We're taking some time to highlight our best Gymsplain Episodes. On this episode Kylie and Gina are here to talk about financial moves to make before the end of the year. With just a few months left in 2024, there’s still plenty of time to get organized, tackle money tasks, and set yourself up for success in the coming year. From planning for irregular expenses to reassessing debt, credit cards, and retirement contributions, they cover strategies to end the year financially strong. For more details check out our show notes ! If you want to work with a Certified Financial Trainer to help navigate your finances, schedule today! If you have any ideas or questions for the show, send an email to
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REPLAY: Scary Spending Habits
10/29/2025
REPLAY: Scary Spending Habits
We're taking some time to highlight our best Gymsplain Episodes. On this episode Garrett and Sara B dive into budgeting for fall and the spooky season. They share their love for Halloween and fall festivities while offering tips to avoid overspending, as costs for decorations, costumes, and school supplies can quickly add up. From setting up holiday sinking funds to curbing impulse purchases, they share their favorite ways to enjoy the season while staying true to your budget. For more details check out our show notes ! If you want to work with a Certified Financial Trainer to help navigate your finances, schedule today! If you have any ideas or questions for the show, send an email to
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REPLAY: Gift Giving On A Budget
10/22/2025
REPLAY: Gift Giving On A Budget
We're taking some time to highlight our best Gymsplain Episodes.On this episode Kadri and Sam dive into creative and budget-friendly ways to approach holiday gift-giving. They share their personal perspectives on setting gift budgets, prioritizing thoughtfulness, and planning ahead to avoid last-minute stress and overspending. Whether it's leveraging credit card rewards, making DIY gifts, or gifting meaningful experiences, Kadri and Sam provide plenty of ideas to help you celebrate the season without breaking the bank. For more details check out our show notes ! If you want to work with a Certified Financial Trainer to help navigate your finances, schedule today! If you have any ideas or questions for the show, send an email to
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REPLAY: The Real Costs of Moving
10/15/2025
REPLAY: The Real Costs of Moving
We're taking some time to highlight our best Gymsplain Episodes. In this episode Garrett and Jill tackle a topic most of us face at some point: moving! After their conversation on home buying, they're back to talk about the financial and emotional costs of relocating. With Garrett's recent move and Jill's wealth of moving experiences, they're here to chat about everything from the dollars and cents to the rollercoaster of emotions that come with a move. From planning hacks to budget-friendly strategies, this episode has got you covered! For more details check out our show notes ! If you want to work with a Certified Financial Trainer to help navigate your finances, schedule today! If you have any ideas or questions for the show, send an email to
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REPLAY: How Your Upbringing Effects Your Money Mindset
10/08/2025
REPLAY: How Your Upbringing Effects Your Money Mindset
We're taking some time to highlight our best Gymsplain Episodes. In this episode Whitney and Kylie have a deeply personal conversation about how our upbringing shapes our relationship and mindset with money. Whitney opens up about her journey through bankruptcy and debt, reflecting on how her experiences growing up had an impact on her financial journey in adulthood. Together, they explore the emotional and behavioral patterns tied to money, the tension between our financial goals and actions, and the importance of breaking generational patterns. For more details check out our show notes ! If you want to work with a Certified Financial Trainer to help navigate your finances, schedule today! If you have any ideas or questions for the show, send an email to
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REPLAY: Mastering Money As a Team
10/01/2025
REPLAY: Mastering Money As a Team
We're taking some time to highlight our best Gymsplain Episodes. In this episode Garrett and Gina are here to discuss how couples can approach money conversations, the benefits of combining finances, and practical strategies to create a financial plan that works for both partners. They talk about starting the conversation early, setting up money dates, and maintaining financial independence while working toward shared goals. Whether you're just beginning to merge finances or looking for ways to strengthen your financial partnership, this episode will make the process feel less intimidating and help you have open and honest conversations about money with your partner. For more details check out our show notes ! If you want to work with a Certified Financial Trainer to help navigate your finances, schedule today! If you have any ideas or questions for the show, send an email to
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REPLAY: Checking In on Your Money
09/24/2025
REPLAY: Checking In on Your Money
We're taking some time to highlight our best Gymsplain Episodes. On this episode Catriona and Sam Cash are here to talk about money dates. A money date is a regular check-in with yourself to review your finances and goals. They explore why these check-ins are important for building financial awareness, tracking progress, and aligning your spending with your goals. Whether you're new to the process or looking to refine your routine, Catriona and Sam share practical steps, tools, and tips to make money dates effective and enjoyable. For more details check out our show notes ! If you want to work with a Certified Financial Trainer to help navigate your finances, schedule today! If you have any ideas or questions for the show, send an email to
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REPLAY: Know Your Numbers
09/17/2025
REPLAY: Know Your Numbers
We're taking some time to highlight our best Gymsplain Episodes. On this episode of Tina and Sam talk about getting familiar with your finances starting with knowing your numbers. They explain net worth, what numbers to track regularly, and how to create a sustainable budget. Whether you're a Financial Gym client or just starting to take control of your money, Sam and Tina give advice to help you approach your finances with confidence and clarity. For more details check out our show notes here! If you want to work with a Certified Financial Trainer to help navigate your finances, schedule today! If you have any ideas or questions for the show, send an email to
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REPLAY: Are You Financially Fit?
09/10/2025
REPLAY: Are You Financially Fit?
We're taking some time to highlight our best Gymsplain Episodes. On this episode Sara B. and Gina talk about financial fitness. They cover what it means, how to assess your financial health, and actionable steps to improve it. By drawing parallels between physical and financial fitness, they explore the importance of reflection, goal-setting, and building a solid foundation to reduce stress and create more freedom in your life. Whether you are seeking financial security or want to feel more in control, this episode offers practical tips and encouragement to help you on your financial fitness journey. For more details check out our show notes ! If you want to work with a Certified Financial Trainer to help navigate your finances, schedule today! If you have any ideas or questions for the show, send an email to
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REPLAY: Overconsumption
09/03/2025
REPLAY: Overconsumption
We're taking some time to highlight our best Gymsplain Episodes. On this episode Whitney and Sara B discuss the important issue of overconsumption. Inspired by Sara's personal experiences and recent social media discussions, they explore the societal and personal factors that drive us to overconsume and offer actionable strategies to break free from the cycle. They talk about voting with your dollar, finding your personal motivation, and making mindful choices to focus on both financial security and environmental responsibility. For more details check out our show notes ! If you want to work with a Certified Financial Trainer to help navigate your finances, schedule today! If you have any ideas or questions for the show, send an email to
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REPLAY: Financial Confidence
08/27/2025
REPLAY: Financial Confidence
We're taking some time to highlight our best Gymsplain Episodes. On this episode Sam and Kelly dive into financial confidence—a challenge many clients face when starting their journey. They discuss the emotional hurdles of the first "financially naked" session, the importance of a healthy money mindset, and how everything, from budgeting to income management, is fixable with the right approach. Sam and Kelly discuss how building financial confidence is a process that evolves with ongoing education, realistic goal-setting, and the freedom to make choices that align with your values. For more details check out our show notes ! If you want to work with a Certified Financial Trainer to help navigate your finances, schedule today! If you have any ideas or questions for the show, send an email to
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REPLAY: Talking To Kids About Money
08/20/2025
REPLAY: Talking To Kids About Money
We're taking some time to highlight our best Gymsplain Episodes. On this episode Garrett and Randi discuss talking to kids about money. How can you set them up for future success? How can you give them the confidence and knowledge you wish you had? For more details check out our show notes ! If you want to work with a Certified Financial Trainer to help navigate your finances, schedule today! If you have any ideas or questions for the show, send an email to
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REPLAY: Travel On A Budget
08/13/2025
REPLAY: Travel On A Budget
We're taking some time to highlight our best Gymsplain Episodes. On this episode Jenny and Kadri are here to talk about traveling on a budget, offering tips and insights beyond credit card points and hacking. Traveling on a budget doesn’t mean sacrificing the richness of your experiences; it’s about embracing the idea that there’s no wrong way to explore the world. Travel is a highly personal journey that should be tailored to your unique preferences and values. Whether you’re an adventure seeker or simply searching for affordable ways to explore, today’s discussion will empower you to consider different travel styles, prioritize what truly matters to you, and make every journey memorable. For more details check out our show notes here! If you want to work with a Certified Financial Trainer to help navigate your finances, schedule today! If you have any ideas or questions for the show, send an email to
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REPLAY: Tracking Your Spending
08/06/2025
REPLAY: Tracking Your Spending
We're taking some time to highlight our best Gymsplain Episodes. On this episode Catriona and Tina are here to talk about an important step of every financial journey: tracking your spending. They dive into the why behind this practice and how it can help you become intentional about your finances. For more details check out our show notes ! If you want to work with a Certified Financial Trainer to help navigate your finances, schedule today! If you have any ideas or questions for the show, send an email to
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REPLAY: Fun Savings Challenges
07/30/2025
REPLAY: Fun Savings Challenges
We're taking some time to highlight our best Gymsplain Episodes. On this episode of Kylie and Catriona, two Certified Financial Trainers at The Gym talk about fun savings challenges you can try this autumn. With the holidays in a few months, it’s a great time to start setting aside a little extra cash. A savings challenge is a fun way to do so, and today, they talk though a few different ones you can try! For more details check out our show notes ! If you want to work with a Certified Financial Trainer to help navigate your finances, schedule today! If you have any ideas or questions for the show, send an email to
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REPLAY: Balance Transfer Cards
07/23/2025
REPLAY: Balance Transfer Cards
We're taking some time to highlight our best Gymsplain Episodes. On this episode ofOn this episode Sam and Catriona, are here to gymsplain balance transfer cards. They start by explaining what balance transfer cards are and how they can be used to manage and pay off high-interest debt. Throughout the episode, Catriona and Sam talk about the importance of being mindful with balance transfer cards, understanding your specific debt, and the role of developing better habits and financial planning when addressing debt and financial health. For more details check out our show notes ! If you want to work with a Certified Financial Trainer to help navigate your finances, schedule today! If you have any ideas or questions for the show, send an email to
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REPLAY: What to Focus on First in Finance
07/16/2025
REPLAY: What to Focus on First in Finance
We're taking some time to highlight our best Gymsplain Episodes. On this episode of Financially Naked: Stories from The Financial Gym, our hosts Whitney and Garrett are talking about how to set financial goals. There's so many factors when it comes to your finances, where do you start? Whether you’re starting fresh or looking to level up your financial health, they break down how to create realistic goals, build a strong foundation, and stay motivated on the journey. If financial wellness is on your list of priorities this year, this episode has you covered. For more details check out our show notes ! If you want to work with a Certified Financial Trainer to help navigate your finances, schedule today! If you have any ideas or questions for the show, send an email to
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REPLAY: Getting Financially Naked with a New Partner
07/09/2025
REPLAY: Getting Financially Naked with a New Partner
We're taking some time to highlight our best Gymsplain Episodes, and this one is for all those couples out there. Talking about money can be scary, especially with someone new, but it’s important in a relationship. On this episode of Financially Naked: Stories from The Financial Gym, our host is Catriona Williams, Certified Financial Trainer, and she is joined by FinGym client Tina. Tina has been in a relationship for just under a year (when this first was released). She is here to share how she and her partner have navigated money within their relationship at the early stages and how it’s set a solid foundation for the future they plan to have together. For more details check out our show notes ! If you want to work with a Certified Financial Trainer to help navigate your finances, schedule today! If you have any ideas or questions for the show, send an email to Connect with Tina - Instagram:
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REPLAY: Mythbusting: Real Estate & Mortgages
07/02/2025
REPLAY: Mythbusting: Real Estate & Mortgages
We're taking some time to highlight our best Gymsplain Episodes, and next is our series busting some financial myths! With so much personal finance advice out there, it’s hard to know what to listen to. Today, we're diving into real estate and mortgages with Jill and Sam as they debunk some of the most common myths that often leave prospective homebuyers scratching their heads. From navigating down payments to the debate of waiting for lower interest rates and even the importance of inspections, we're here to separate fact from fiction. In a world saturated with online information, it's easy to get lost in the noise. We're here to cut through the clutter and provide the facts you need to make informed decisions about buying a house. For more details check out our show notes ! If you want to work with a Certified Financial Trainer to help navigate your finances, schedule today! If you have any ideas or questions for the show, send an email to Resources
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REPLAY: Financial Mythbusting - Part 3
06/25/2025
REPLAY: Financial Mythbusting - Part 3
We're taking some time to highlight our best Gymsplain Episodes, and next is our series busting some financial myths! With so much personal finance advice out there, it’s hard to know what to listen to. On this episode of Financially Naked: Stories from The Financial Gym, Catriona and Garrett, two Certified Financial Trainers, are here for the third installment of financial mythbusting. This series is about challenging some of the most common (and persistent) myths in personal finance they see as Trainers. From social media misinformation to outdated family advice, today, they break down why the answer to most financial questions is “it depends” and why understanding your unique situation is the most important part of making financial decisions. For more details check out our show notes ! If you want to work with a Certified Financial Trainer to help navigate your finances, schedule today! If you have any ideas or questions for the show, send an email to
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REPLAY: Financial Mythbusting - Part 2
06/18/2025
REPLAY: Financial Mythbusting - Part 2
We're taking some time to highlight our best Gymsplain Episodes, and next is our series busting some financial myths! With so much personal finance advice out there, it’s hard to know what to listen to. In this episode, Catriona and Kylie delve into common misconceptions surrounding taxes, self-employment, credit card points, and more, offering valuable insights to empower listeners in their financial decisions. Continuous learning and openness to new approaches are essential for achieving financial success, and our hosts are here to guide you every step of the way. Join us as we challenge conventional wisdom and share your wildest financial advice encounters—let's bust some financial myths together. For more details check out our show notes ! If you want to work with a Certified Financial Trainer to help navigate your finances, schedule today! If you have any ideas or questions for the show, send an email to
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REPLAY: Financial Mythbusting - Part 1
06/11/2025
REPLAY: Financial Mythbusting - Part 1
We're taking some time to highlight our best Gymsplain Episodes, and next is our series busting some financial myths! With so much personal finance advice out there, it’s hard to know what to listen to. In this first episode of the series, Catriona and Jenny take on the role of mythbusters as they tackle common financial myths. It's time to separate fact from fiction and debunk the misconceptions that often hold us back from achieving financial success. From the belief that one-size fits all advice works for everyone, to the notion that credit cards are always bad, we'll challenge these myths and provide you with the tools and knowledge to make informed financial decisions. For more details check out our show notes ! If you want to work with a Certified Financial Trainer to help navigate your finances, schedule today! If you have any ideas or questions for the show, send an email to Resources - To check your credit report - Investing, retirement, savings, some more complex strategies - Comparisons for smart financial decisions - To Compare rates and crunch numbers
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