Kira Hartley Klinger built her reselling empire one thrift store find at a time as a divorced single mom with no startup capital and no business plan, just the drive to make it work.

In this episode, Dr. Sev and Kira get real about free marketing, time management with kids, hard money lessons, and why doing it imperfectly beats not doing it at all. If you've ever wondered whether it's too late to start, Kira's story — from side hustle to Etsy shop to published author to TV — will remind you: it's never too late. You just have to start where you are.

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Join Dr. Sev's Wealth Warriors Community for more financial discussions and insights (FREE to join): https://www.skool.com/wealth-warriors-community-1025/about

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The Dr. Sev Talks Money podcast's mission is to empower women to approach money confidently, reframe their financial habits, and build a future where their money is a tool for opportunity and security.

Through Dr. Sev Talks Money YouTube channel and Podcast, I provide actionable advice and inspiration to help you achieve financial freedom. Join me for one-on-one coaching, group sessions, workshops, or speaking engagements as we journey to financial empowerment together. It’s never too late to begin again—let’s make it happen!

Here is one way you can support the Dr. Sev Talks Money podcast and YouTube channel:

https://www.buymeacoffee.com/DrSevTalksMoney

My website: www.sevtalksmoney.com

YouTube: https://www.youtube.com/c/DrSeverineBryan--SevTalksMoney

LinkedIn: https://www.linkedin.com/in/severinebryan/

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Kira's information:

Kira Hartley Klinger is a longtime internet shop owner and the author behind two books (Fabric Wars) that delve into the entertaining and lucrative world of auctions and resale. She is an entrepreneur, reseller, and creative force who built her business from the ground up as a single mom.

Contact Kira here: https://www.etsy.com/shop/DodOddity

Doug Lynam spent 20 years as a Benedictine monk before becoming a financial advisor, and that unusual path gave him a front-row seat to something most financial professionals miss entirely.

In this episode, Doug explains how your Enneagram personality type shapes the way you earn, save, invest, and give, and introduces his concept of the "sacred wound", the emotional pattern from your past that's been running your money decisions ever since.

This isn't about budgets or discipline. It's about understanding why you do what you do, so you can finally start doing something different.

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Join Dr. Sev's Wealth Warriors Community for more financial discussions and insights (FREE to join): https://www.skool.com/wealth-warriors-community-1025/about

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The Dr. Sev Talks Money podcast's mission is to empower women to approach money confidently, reframe their financial habits, and build a future where their money is a tool for opportunity and security.

Through Dr. Sev Talks Money YouTube channel and Podcast, I provide actionable advice and inspiration to help you achieve financial freedom. Join me for one-on-one coaching, group sessions, workshops, or speaking engagements as we journey to financial empowerment together. It’s never too late to begin again—let’s make it happen!

Here is one way you can support the Dr. Sev Talks Money podcast and YouTube channel:

https://www.buymeacoffee.com/DrSevTalksMoney

My website: www.sevtalksmoney.com

YouTube: https://www.youtube.com/c/DrSeverineBryan--SevTalksMoney

LinkedIn: https://www.linkedin.com/in/severinebryan/

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Doug's information:

Book Doug as a coach or keynote speaker, purchase his books, or hire him as an investment advisor. His goal is to help you master your money so you can live a life that makes your soul sing.

Website: https://www.douglynam.com/

Substack: https://substack.com/@douglynam

Facebook: https://www.facebook.com/douglynam/

LinkedIn: https://www.linkedin.com/in/doug-lynam/

Instagram: https://www.instagram.com/douglynam/

YouTube: https://www.youtube.com/@douglynam

Amazon Link to Taming Your Money Monster: Nine Paths To Money Mastery With The Enneagram: https://bit.ly/4pvyLvQ

Amazon Link to From Monk To Money Manager: A Former Monk’s Financial Guide To Becoming A Little Bit Wealthy – And Why That’s Okay: https://bit.ly/45zwNDC

IEQ9 Enneagram Test: https://www.integrative9.com/DougLynam/enneagram/test/individual/

In this episode of the Dr. Sev Talks Money podcast, Dr. Sev and Andy Bennetts, financial empowerment coach, explore why many people struggle with money even when budgeting, paying bills, and trying to do everything right.

They break down common money beliefs that may be holding us back, the emotional and mental weight of debt, and how to move from financial overwhelm to financial clarity with simple, practical changes.

They also unpack the emotional and spiritual impact of debt, question popular financial advice like “never use a credit card,” and discuss how the banking system profits when we don’t fully understand how money works.

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Join Dr. Sev's Wealth Warriors Community for more financial discussions and insights (FREE to join): https://www.skool.com/wealth-warriors-community-1025/about

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The Dr. Sev Talks Money podcast's mission is to empower women to approach money confidently, reframe their financial habits, and build a future where their money is a tool for opportunity and security.

Through Dr. Sev Talks Money YouTube channel and Podcast, I provide actionable advice and inspiration to help you achieve financial freedom. Join me for one-on-one coaching, group sessions, workshops, or speaking engagements as we journey to financial empowerment together. It’s never too late to begin again—let’s make it happen!

Here is one way you can support the Dr. Sev Talks Money podcast and YouTube channel:

https://www.buymeacoffee.com/DrSevTalksMoney

My website: www.sevtalksmoney.com

YouTube: https://www.youtube.com/c/DrSeverineBryan--SevTalksMoney

LinkedIn: https://www.linkedin.com/in/severinebryan/

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Andy's information:

If today’s conversation inspired you to take charge of your finances, visit EmpowerWealth.Solutions and click Get Started. There you’ll find free tools, resources, and a way to book your own ‘Debt Behind Me, Wealth Before Me’ session. Because debt isn’t a life sentence — you really can change your financial future.

Andy Bennetts is a former educator turned financial empowerment coach and the founder of Empowered Wealth Solutions, partnered with United Financial Freedom. He is known for helping families break free from long-term debt, rethink traditional banking math, and build financial futures rooted in faith, stewardship, and freedom.

Through his work, Andy helps families eliminate debt years faster, including their mortgage, save tens to hundreds of thousands of dollars in unnecessary interest, and replace financial stress with clarity, peace, and long-term vision using a proven, math-based financial strategy.

Website: https://empowerwealth.solutions/

YouTube: https://www.youtube.com/@Empower-Wealth-2024

Facebook: https://www.facebook.com/andy.bennetts.2024

Do you hate your budget, or does your budget hate you?

In this episode, Dr. Sev and Linda Grizely unpack why most budgets fail: they're built against your personality, not with it.

Linda shares how one simple experiment led to the ME Money Method — a framework that helps you spend without guilt and save without deprivation.

You'll discover why your money personality matters more than any spreadsheet, how to give yourself permission to enjoy the money you've worked hard for, and why understanding your emotions around money is the real first step toward financial confidence.

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Join Dr. Sev's Wealth Warriors Community for more financial discussions and insights (FREE to join): https://www.skool.com/wealth-warriors-community-1025/about

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The Dr. Sev Talks Money podcast's mission is to empower women to approach money confidently, reframe their financial habits, and build a future where their money is a tool for opportunity and security.

Through Dr. Sev Talks Money YouTube channel and Podcast, I provide actionable advice and inspiration to help you achieve financial freedom. Join me for one-on-one coaching, group sessions, workshops, or speaking engagements as we journey to financial empowerment together. It’s never too late to begin again—let’s make it happen!

Here is one way you can support the Dr. Sev Talks Money podcast and YouTube channel:

https://www.buymeacoffee.com/DrSevTalksMoney

My website: www.sevtalksmoney.com

YouTube: https://www.youtube.com/c/DrSeverineBryan--SevTalksMoney

LinkedIn: https://www.linkedin.com/in/severinebryan/

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Linda's links

Website: https://www.LindaGriz.comInstagram: https://www.instagram.com/lindagrizelyFacebook: https://www.facebook.com/thelindagrizelyLinkedIn: https://www.linkedin.com/in/linda-grizelyYouTube: https://www.youtube.com/@LindaGrizelyResources/Freebies: https://www.lindagriz.com/resources (Free Money Personality and Financial Confidence quizzes and more)

Linda's Bio:

Linda Grizely (pronounced Grizzly, like the bear) is a personal finance educator, motivational speaker, and the creator of the MeMoney™ method - an approach that helps women stop putting themselves last. Because you can’t build a life you love on a budget you hate. Linda offers online courses in all things personal finance, blending practical tools with deep emotional clarity. A former teen mom who went back to college at 48 and built a multi six-figure financial career, she now helps women reclaim financial confidence and think bigger about what’s possible. She’s a personal growth junkie - continually learning -consistently working on leveling up - and always trying to think bigger

What does it really mean to be financially ready, and where does insurance fit into that picture?

In this episode, Dr. Sev talks with Tony Steuer, financial fluency advocate and insurance expert, about how to approach insurance decisions with clarity and confidence.

They discuss:

• Financial fluency vs. financial literacy
• The role of insurance in financial readiness
• Term vs. whole life insurance
• Red flags in popular insurance marketing strategies
• Why liquidity and long-term costs matter
• The often-overlooked importance of disability insurance

If you’ve ever felt unsure about insurance or overwhelmed by your options, this episode will help you slow down, ask better questions, and make more intentional decisions.

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Join Dr. Sev's Wealth Warriors Community for more financial discussions and insights (FREE to join): https://www.skool.com/wealth-warriors-community-1025/about

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The Dr. Sev Talks Money podcast's mission is to empower women to approach money confidently, reframe their financial habits, and build a future where their money is a tool for opportunity and security.

Through Dr. Sev Talks Money YouTube channel and Podcast, I provide actionable advice and inspiration to help you achieve financial freedom. Join me for one-on-one coaching, group sessions, workshops, or speaking engagements as we journey to financial empowerment together. It’s never too late to begin again—let’s make it happen!

Here is one way you can support the Dr. Sev Talks Money podcast and YouTube channel:

https://www.buymeacoffee.com/DrSevTalksMoney

My website: www.sevtalksmoney.com

YouTube: https://www.youtube.com/c/DrSeverineBryan--SevTalksMoney

LinkedIn: https://www.linkedin.com/in/severinebryan/

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Tony's links

Website: www.tonysteuer.com

LinkedIn: www.linkedin.com/in/tonysteuer

The Get Ready Money Podcast: Apple Podcasts: https://podcasts.apple.com/us/podcast/the-get-ready-money-podcast/id1480046083

YouTube channel: https://youtube.com/tonysteuer

Books:

Get Ready! (Financial document organizer)

Questions and Answers on Life Insurance

Insurance Made Easy

Tony's Bio:

Tony Steuer, CLU, LA, CPFFE is an internationally recognized financial fluency advocate, award-winning author, and host of The Get Ready Money Podcast. As the founder of The Get Ready Movement, Tony is leading a shift in how we think about money—not just as numbers, but as a tool for living a more intentional and empowered life. Through his books, podcast, curated recommendations, and expert insights, Tony helps financial professionals, educators, and individuals ask better questions, foster meaningful money conversations, and take purposeful action. He serves as an advisor to Insurance Nerds and Dingo Technologies.

Tony’s thought leadership has earned recognition as a Finalist in ThinkAdvisor’s LUMINARIES Class of 2022 for Thought Leadership & Education. He has served as a Judge for the Plutus Awards, the MAIA Awards and the 2023 Finder Innovation Awards, and as a longtime member of the California Department of Insurance Curriculum Board. A trusted voice in the media, Tony contributes as an expert content reviewer for Nerdwallet, Bankrate, and Forbes Advisor, and has been featured by ABC’s Seven on Your Side, CNBC, Cheddar TV, The New York Times, Washington Post, Fast Company, Chicago Tribune, and Fox Business News.

This isn’t about what we know. It’s about what’s getting in the way.

In this episode, Dr. Sev sits down with financial wellness consultant Nia Adams to explore why money can still feel hard—even when you know what to do. They unpack how confidence, beliefs, and past experiences shape financial decisions, and what it takes to move past money shame and follow through.

If you’ve ever felt like you should be further along by now, this conversation is for you.

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Join Dr. Sev's Wealth Warriors Community for more financial discussions and insights (FREE to join): https://www.skool.com/wealth-warriors-community-1025/about

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The Dr. Sev Talks Money podcast's mission is to empower women to approach money confidently, reframe their financial habits, and build a future where their money is a tool for opportunity and security.

Through Dr. Sev Talks Money YouTube channel and Podcast, I provide actionable advice and inspiration to help you achieve financial freedom. Join me for one-on-one coaching, group sessions, workshops, or speaking engagements as we journey to financial empowerment together. It’s never too late to begin again—let’s make it happen!

Here is one way you can support the Dr. Sev Talks Money podcast and YouTube channel:

https://www.buymeacoffee.com/DrSevTalksMoney

My website: www.sevtalksmoney.com

YouTube: https://www.youtube.com/c/DrSeverineBryan--SevTalksMoney

LinkedIn: https://www.linkedin.com/in/severinebryan/

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Nia's links:

Website - www.niaadams.com

Linkedin - https://www.linkedin.com/in/nia-a-0b485b58/

Youtube - www.youtube.com/@moneyperspectives

Conference - www.thrive360atl.com (September 26, 2026 in Atlanta)

Nia Adams, known as The Coins Confidant, is a financial wellness consultant, speaker, and founder of Perspectives. She helps individuals and organizations move from knowing what to do with money to feeling confident enough to do it through practical, judgment-free financial education.

After paying off $57,000 in debt in under three years, Nia built a nationally recognized platform focused on confidence, behavior, and real-life financial decision-making. She is a three-time author, holds an MBA in Finance, and is both an Accredited Financial Counselor® and Certified Financial Education Instructor. Nia also serves on the advisory board of United Way of Greater Atlanta – Douglas County and is known for creating spaces where conversations about money feel accessible, empowering, and transformative.

More money does not fix money problems. It reveals them.

So why does earning more still leave so many people feeling stuck?

In this episode, Dr. Sev sits down with returning guest Ashlee Edwards, attorney and private money lender, to talk about why income alone is not enough. They break down common mistakes people make when trying to earn more, what cash flow really means in everyday life, and how to start making your money work more intentionally.

If you’ve ever worked hard, earned more, and still felt behind, this conversation will help you understand why—and what to do next.

Ashlee Edwards helps professionals build wealth through intentional private money lending, with a focus on legal clarity, risk awareness, and sustainable returns.

Women on the Move is a Women's History Month series highlighting women who are building, leading, and redefining success on their own terms.

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Join Dr. Sev's Wealth Warriors Community for more financial discussions and insights (FREE to join): https://www.skool.com/wealth-warriors-community-1025/about

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Join Ashlee's Accelerators here:

*PRIVATE MONEY LENDING ACCELERATOR (MAY 2026 COHORT): https://genfinity.thrivecart.com/pmlamay26/?affiliate=drsev

*PRIVATE MONEY LENDING ACCELERATOR (AUGUST 2026 COHORT): https://genfinity.thrivecart.com/pmlaaug26/?affiliate=drsev

Instagram: instagram.com/lndrsnfrnds

Facebook: https://www.facebook.com/lndrsnfrnds

YouTube: https://www.youtube.com/@ashealways

Website: https://lndrsnfrnds.com/

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The Dr. Sev Talks Money podcast's mission is to empower women to approach money confidently, reframe their financial habits, and build a future where their money is a tool for opportunity and security.

Through Dr. Sev Talks Money YouTube channel and Podcast, I provide actionable advice and inspiration to help you achieve financial freedom. Join me for one-on-one coaching, group sessions, workshops, or speaking engagements as we journey to financial empowerment together. It’s never too late to begin again—let’s make it happen!

Here is one way you can support the Dr. Sev Talks Money podcast and YouTube channel:

https://www.buymeacoffee.com/DrSevTalksMoney

My website: www.sevtalksmoney.com

YouTube: https://www.youtube.com/c/DrSeverineBryan--SevTalksMoney

LinkedIn: https://www.linkedin.com/in/severinebryan/

Money stress doesn't just affect your bank account. It affects your peace, your relationships, and the stories you carry about what you deserve.

In this live episode of Dr. Sev Talks Money, I sat down with LaQueshia Clemons, LCSW, TOM®, AFC®, a Financial Therapist and founder of Freedom Life Therapy and Wellness, for a conversation that goes beneath the surface.

LaQueshia brings something rare to this space. She blends clinical therapy with financial education to help us understand the emotional side of money in a way that actually leads to healing and change.

Women on the Move is a Women's History Month series highlighting women who are building, leading, and redefining success on their own terms.

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Join Dr. Sev's Wealth Warriors Community for more financial discussions and insights (FREE to join): https://www.skool.com/wealth-warriors-community-1025/about

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Connect with LaQueshia here:

Website: www.freedomlifetherapy.com

LinkedIn: https://www.linkedin.com/in/laqueshiaclemons/

Instagram: https://www.instagram.com/themoneytherapist_1/

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The Dr. Sev Talks Money podcast's mission is to empower women to approach money confidently, reframe their financial habits, and build a future where their money is a tool for opportunity and security.

Through Dr. Sev Talks Money YouTube channel and Podcast, I provide actionable advice and inspiration to help you achieve financial freedom. Join me for one-on-one coaching, group sessions, workshops, or speaking engagements as we journey to financial empowerment together. It’s never too late to begin again—let’s make it happen!

Here is one way you can support the Dr. Sev Talks Money podcast and YouTube channel:

https://www.buymeacoffee.com/DrSevTalksMoney

My website: www.sevtalksmoney.com

YouTube: https://www.youtube.com/c/DrSeverineBryan--SevTalksMoney

LinkedIn: https://www.linkedin.com/in/severinebryan/