Today’s topic is a highly requested one: how ADHD impacts your finances.

I’ll be honest, normally when I have a guest on the podcast, I’m at least a little bit familiar with the topic we’re going to discuss–but today is different.

Until this conversation, I had next-to-no experience dealing with ADHD. But I do know it’s a common issue as more and more adults–especially women–receive ADHD diagnoses. And that’s why I’m so excited to welcome Dr. Stephanie Sarkis, PhD to the Love, your Money® Podcast to share her expertise!

Dr. Sarkis is a psychotherapist who specializes in ADHD, anxiety, and working with victims of narcissistic abuse. She is the author of eight books and three workbooks about ADHD and money, healing from toxic relationships, and the impact of emotional abuse on your finances.

Stephanie is a National Certified Counselor, Licensed Mental Health Counselor, American Mental Health Counselors Association Diplomate, and a Florida Supreme Court Certified Family and Circuit Mediator. She has been in private practice for over 20 years, is an online contributor to Psychology Today, and hosts the Talking Brains podcast.

In other words, if we want to talk about ADHD and money, we’re in good hands today. So buckle up, and let’s dive in!

Here’s what you’ll learn in this week’s episode of Love, your Money®:

• 04:10 How the three subtypes of ADHD present, and how symptoms (like executive dysfunction or impaired impulse control) affect financial decisions and outcomes
• 07:48 The difference between being disorganized and having ADHD, the symptom spectrum, and getting diagnosed in childhood versus as an adult
• 11:17 Understanding the brain chemistry that fuels ADHD, effective treatment options, and how neurotransmitter activity influences behavioral patterns
• 17:25 Investing and ADHD, finding the right resources to support your wealth building, and developing a healthy relationship with a financial professional
• 20:35 How people with ADHD can learn about finances, the power of gamification, and the cash flow management system Stephanie recommends
• 26:26 Couples and ADHD: Why people with ADHD tend to fight more about money, and why they’re more vulnerable to financial or narcissistic abuse
• 29:46 Tips for talking to your partner about money–without a fight, and the characteristics of a healthy financial partnership

Show Notes
To get access to the full show notes, including all the resources mentioned, visit: https://hendershottwealth.com/podcast/stephanie-sarkis-adhd-and-money

Follow Hilary on:
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Hendershott Wealth Management, LLC and Love, your Money do not make specific investment recommendations on Love, your Money or in any public media. Any specific mentions of funds or investments are strictly for illustrative purposes only and should not be taken as investment advice or acted upon by individual investors. The opinions expressed in this episode are those of Hilary Hendershott, CFP®, MBA.

Have you heard the phrase “be stubborn about your goals and flexible about your method”? It’s pretty good advice.

Attachment and unwillingness to release the plans we’ve made or the expectations we have can be very costly, which is something that today’s guest has learned a lot about in the last few years. But thanks to healing core wounds and reprogramming her subconscious, she’s been able to work through those ego blocks and accomplish some pretty incredible things.

Tonya Rapley is someone who really embodies the 7 Steps to Wealth in her life. Her story is a great example of what’s possible when you break through limiting beliefs and author your own life based on what you actually want–not what you’ve inherited.

Tonya is a speaker, financial educator, best-selling author, and investor. She is the CEO of Her Legacy Media, Inc., and founder of My Fab Finance–a media company that helps you do things with your money that you’re proud of.

I invited Tonya to join me on the podcast to talk about her money journey, including her transition from working at a non-profit to running a multi-million dollar business, getting paid well while doing good in the world, and why she’s choosing to return to employment after nearly a decade of entrepreneurship.

The way Tonya talks about embracing a beginner’s mindset and using new experiences to heal as you age is really inspiring, and I hope you enjoy this conversation as much as I did! 👇

Here’s what you’ll learn in this week’s episode of Love, your Money:

• 02:26 The story of Tonya’s transition from working at a non-profit earning $45k per year to being an entrepreneur with $45k months
• 04:55 How Tonya’s upbringing influenced the expectations she had for herself, and what she did to break free from those limiting beliefs
• 08:16 How Tonya defines a “beginner’s mindset”, and how you can use the beginner’s mindset to heal as you age
• 09:42 How Tonya found guidance as an adult, created her own board of directors, and how that mentorship led her to learning how to play (and love) golf
• 14:26 The courage of making asks–and the power of those asks to further your career and offer support in your personal life
• 16:04 Tonya’s recent transition to life as a single mother, why she had to right-size her life to fit her current situation, and how her ego flared up along the way
• 16:57 The financial lessons Tonya learned from her divorce, and the advice she has for other women who are dissolving a financial partnership
• 20:59 What it means when people try to buy transformation versus earning it, and the tools Tonya uses to reprogram her subconscious programming and heal
• 24:07 Tonya’s upcoming return to the workforce, and how she’s leveraging the skills she learned as an entrepreneur in her new job

Show Notes
To get access to the full show notes, including all the resources mentioned, visit: https://hendershottwealth.com/podcast/tonya-rapley-beginners-mindset

Follow Hilary on:
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Hendershott Wealth Management, LLC and Love, your Money do not make specific investment recommendations on Love, your Money or in any public media. Any specific mentions of funds or investments are strictly for illustrative purposes only and should not be taken as investment advice or acted upon by individual investors. The opinions expressed in this episode are those of Hilary Hendershott, CFP®, MBA.

Listen up: There’s going to be dollar signs flying at you after this episode.

Okay, I might be exaggerating, but listening to today’s guest WILL change how you show up in crucial conversations in the workplace–and what opportunities those conversations open up for you.

Melody Wilding is an award-winning executive coach, human behavior professor, and the author of Trust Yourself: Stop Overthinking and Channel Your Emotions for Success at Work, and its follow up, Managing Up: How to Get What You Need From the People in Charge, coming out in March 2025.

As a therapist, coach, and emotions researcher, Melody weaves evidence-based neuroscience and psychology with professional development. She joined me on Love, your Money® to share her expertise as it relates to money conversations, negotiating with higher ups, and advocating for yourself financially in a professional setting.

If you’re what Melody calls a Sensitive Striver–a highly sensitive person who’s also high achieving–OR you’ve ever felt like your people-pleasing ways are holding you back in the workplace or your personal life, this is a conversation you don’t want to miss. 👇

Here’s what you’ll learn in this week’s episode of Love, your Money:

• 02:08 Melody’s term Sensitive Striver–what it is, how Melody started working with highly sensitive achievers, and how it relates to her latest book
• 03:38 The difference between sensitivity and empathy, how they show up in professional settings, and the role of sensitivity in an evolutionary setting
• 06:14 The struggles sensitive people may come up against when it comes to pursuing financial freedom and asking for what they need
• 08:25 When Imposter Syndrome shows up, and how it impacts sensitive people–especially when it comes to financial goals and accomplishments
• 13:53 Increasing your visibility, earning what you want, and the cost of flying under the radar
• 16:19 Problem, Action, Solution: Melody’s conversational framework to help you advocate for yourself, and share your accomplishments in effective and memorable ways
• 20:11 The quitting conversation: What to do when you feel stuck in your career, the value of building relationships instead of burning bridges, and navigating exit interviews with grace
• 24:55 How sensitive people can think about timing and self-advocacy when asking for raises or promotions, and getting teammates aligned with your desire for advancement

Show Notes
To get access to the full show notes, including all the resources mentioned, visit: https://hendershottwealth.com/podcast/melody-wilding-high-achievers-advocate

Follow Hilary on:
Twitter
LinkedIn

Hendershott Wealth Management, LLC and Love, your Money do not make specific investment recommendations on Love, your Money or in any public media. Any specific mentions of funds or investments are strictly for illustrative purposes only and should not be taken as investment advice or acted upon by individual investors. The opinions expressed in this episode are those of Hilary Hendershott, CFP®, MBA.

Want to help your child get into their top choice college with $75,000 of scholarship money? Then pay attention Money Lover, because today we’re talking about what you need to know–and what you can do–to make that happen.

Choosing and paying for the right college is something that has frustrated many parents for many years. Dr. Pamela Ellis has made it her mission to help families navigate the admissions process and get the financial support they need, which is why I invited her to join me on the podcast!

Dr. Ellis is an award-winning author of the best-seller "What to Know Before They Go: College Edition," and the founder of Compass College Advisory. She and her team have helped over 30,000 families navigate college admissions, ensuring teens find the right fit without overspending.

Dr. Ellis has a 95% success rate in getting students into their top-choice colleges, and secures an average of $75,000 in scholarships per student. In this conversation we talked about what led her to this line of work, how she supports families in the college application process, and the five elements of “fit” to consider when selecting a school.

Buckle up for a conversation you will find educational and illuminating–because it covers more than just how to fund a 529.

Here’s what you’ll learn in this week’s episode of Love, your Money:

• 02:27 How being a first generation high school and college graduate influenced Pamela’s education experience and led her to become “The Education Doctor”
• 04:35 How Pamela’s work supports teens and parents–and why she visited 500+ colleges to help her connect students with the right school for their needs
• 06:50 When families should begin strategizing for college applications, and activities that are helpful in the application process
• 08:43 The struggle of letting go when you’re a parent, how Pamela helps parents trust their children in the process, and why that’s so important
• 12:05 The sticker price of college, the average amount American families actually pay, and where the biggest scholarship dollars come from
• 13:39 The five factors of “fit” that helps Pamela match students with the best college–and increase their chances of admission
• 15:05 How social dynamics, recreational activities, and personal factors like diet influence the best college/student fit
• 16:37 How finding the “right” college fit impacts the amount of scholarship support you can access, and the best place to focus your energy, including the FAFSA and CSS Profile
• 19:48 A story from Dr. Ellis that will make you never doubt the support your student can get
• 23:25 A gift from Pamela: The College Confidence Blueprint, a step-by-step guide to support your teen in their college journey

Show Notes
To get access to the full show notes, including all the resources mentioned, visit: https://hendershottwealth.com/podcast/pamela-ellis-find-the-right-fit-for-college

Follow Hilary on:
Twitter
LinkedIn

Hendershott Wealth Management, LLC and Love, your Money do not make specific investment recommendations on Love, your Money or in any public media. Any specific mentions of funds or investments are strictly for illustrative purposes only and should not be taken as investment advice or acted upon by individual investors. The opinions expressed in this episode are those of Hilary Hendershott, CFP®, MBA.

I know many of you have wondered what sets financially successful individuals apart when it comes to their money routines, particularly at year end–because you ask me!

Every year, I get emails and DMs asking if I have any tips for ending the year knowing you’ve made the most of it financially, and setting yourself up for future success. So today, we’re talking about end-of-year routines that wealthy people embrace to grow their wealth and protect their financial legacy in the years to come.

I’m going to share some strategies you can adopt to make sure you finish 2024 on solid financial ground, and start 2025 with clarity, renewed energy, and the confidence that comes from knowing you’ve taken care of business.

Of course, doing a year-end wrap up for your finances isn’t just for businesses–it’s also a great habit to get into with your personal finances!

That’s why we'll be exploring a range of financial routines and end-of-year best practices, taking into account both the perspectives of individuals and business owners. From tax-efficient strategies to charitable giving, health insurance, Roth conversions, and more–we’re going to run the gamut, and in the end, it’s going to feel so good.

Whether you’re early on in your wealth-building journey or you’ve been at it for a while, this is your chance to do something that I know your future self will thank you for.

So get your favorite note taking tool ready, and let’s dive in!

Here’s what you’ll learn in this week’s episode of Love, your Money:

• 03:45 Why insurance is a must for protecting your wealth (and health!), important deadlines to watch for, and ensuring you have adequate coverage
• 08:15 Breaking down retirement savings accounts, the tax implications of each, and maximizing–and increasing–your contributions
• 15:10 Required Minimum Distributions, important deadlines, and what to do if you inherit an IRA
• 17:57 Charitable giving, annual gift exclusions, donations, tax deductions, and organizing the paperwork for your tax preparer
• 20:54 Harvesting capital gains, Roth conversions, and setting yourself up for tax-free withdrawals in retirement
• 26:07 How wealthy people relate to their net worth, how to determine yours, and why it’s the most important data to track for your financial freedom
• 29:00 For the business owners: Best practices for bookkeeping and year-end routines for your business
• 34:21 Payroll, inventory, and administrative details you don’t want to miss–like the Corporate Transparency Act and BOI reporting requirements
• 41:35 Looking forward to 2025: Creating meaningful goals, and laying the foundation for a successful + profitable new year!

Show Notes
To get access to the full show notes, including all the resources mentioned, visit: https://hendershottwealth.com/podcast/end-of-year-routines

Follow Hilary on:
Twitter
LinkedIn

Hendershott Wealth Management, LLC and Love, your Money do not make specific investment recommendations on Love, your Money or in any public media. Any specific mentions of funds or investments are strictly for illustrative purposes only and should not be taken as investment advice or acted upon by individual investors. The opinions expressed in this episode are those of Hilary Hendershott, CFP®, MBA.

Are you good at accepting compliments or help from others? Because today’s guest really had me thinking about how often I see women deflect kind words or struggle to receive support–and how that could be negatively impacting their wealth.

I’m absolutely chuffed to welcome Cathy Heller back to the show. Cathy is a teacher, author, and host of one of the top spiritual podcasts, Abundant Ever After, which has been downloaded more than 45 million times!

I love having Cathy on the show because there’s so much overlap between her spiritual encouragement to lean into connection to higher power and my message of financial self-empowerment. We’re both in the arena sharing our own past mistakes with money–and now–our currently transformed and abundant state, because we want you to know that abundance and wealth are in reach for everyone.

Cathy is a practitioner of the law of reception, has a deep understanding of the universal principles of manifestation, and she guides individuals on a transformative journey towards unlocking their highest potential. She joined me on the podcast to talk about her latest book, Abundant Ever After: Tools for Creating a Life of Prosperity and Ease–which is officially available as of TODAY!

There’s a lot of alignment between the concepts Cathy discusses in her book and my 7 Steps to Wealth framework–especially speaking, asking, and earning–and I’m looking forward to sharing the power of these practices in her words because they truly can transform your life.

So, in the spirit of living abundantly ever after, let’s dive in!

Here’s what you’ll learn in this week’s episode of Love, your Money:

• 02:42 What abundance is, how it relates to our natural state of flow, and why that matters
• 08:18 Why women get trapped by the lie of scarcity, and what it takes to face–and move past–those limiting beliefs
• 11:17 Permission to let yourself be rich, the pressure for women to give their wealth away, and examining the impact of the patriarchy on our abundance
• 16:15 What most people get wrong about the law of attraction, and how the misinterpretation impacts manifestation
• 20:44 Examples of what can happen in your life when you’re tuned into the right vibration, and how the “ick” can point you in the right direction
• 25:16 The difference between living into probability versus possibility, and how the past can limit our experiences in the moment–and the future we create
• 28:08 Why your success will make other people uncomfortable and force them to confront their own limiting beliefs
• 30:15 The impact of cortisol addiction on our brain chemistry, how it creates emotional congestion, and recalibrating your system for well-being
• 35:44 Growing your capacity for more, and what decorating for the holidays taught Cathy about receiving abundance and love

Show Notes
To get access to the full show notes, including all the resources mentioned, visit: https://hendershottwealth.com/podcast/cathy-heller-permission-to-be-rich

Follow Hilary on:
Twitter
LinkedIn

Hendershott Wealth Management, LLC and Love, your Money do not make specific investment recommendations on Love, your Money or in any public media. Any specific mentions of funds or investments are strictly for illustrative purposes only and should not be taken as investment advice or acted upon by individual investors. The opinions expressed in this episode are those of Hilary Hendershott, CFP®, MBA.

You have made it to the final step in the 7 Steps to Wealth framework, Protect!

This is the step that ensures everything you’ve worked so hard to build can’t be lost due to unforeseen–or even semi-predictable–circumstances.

This step might just be the easiest to ignore–because implementing it isn’t the most fun thing on your to do list. Believe me, I get it! It’s a lot more exciting to earn money and invest it than it is to buy insurance or meet with lawyers. But. It’s even LESS fun to lose all your hard-earned money to clerical errors or insufficient insurance.

Remember: As your wealth grows, the weight of potential mistakes grows alongside it–and that’s usually a sign it’s time to bring on a financial professional who can make sure you’re doing everything you should (and could!) to grow and protect your wealth.

I am fundamentally an evidence-based optimist, but let’s not sugar coat it: If you don’t protect your wealth, it doesn’t matter how much you earn–because it could all disappear in a blink. I’ve witnessed it happen more than once, and it is heartbreaking to witness every.single.time.

In this episode, I share five stories of people who have lost their money due to risky investment strategies, negligent estate planning, and unexpected changes in health.

These stories do not come from clients of mine, because events like this just don't happen on my watch, but I do hear about them–and I want you to learn what you can do differently so that you (hopefully!) don’t end up in the same situations.

Listen in, take notes, and take heart, knowing YOU are going to protect your wealth! 👇

Here’s what you’ll learn in this week’s episode of Love, your Money:

• 04:25 Introducing the final step in the 7 Steps to Wealth: Protect
• 05:10 Story one: My friend’s uncle, who committed a quintessential financial mistake when he watched his investment accounts drop 50%, panicked, and locked in his losses instead of waiting
• 07:01 What could have happened with his money if he had remained invested and followed an evidence-based investment strategy
• 10:02 Story two: My former coworker’s husband had an unexpected stroke, lost his functional abilities, and required around the clock care… but they didn’t have appropriate insurance, healthcare directives, estate planning, or financial safety nets in place
• 12:34 Protecting your assets with insurance, estate plans, wills, and revocable living trusts–plus the importance of a properly structured investment philosophy
• 15:27 Stories three and four: How Cliff and Pete lost millions of dollars due to risky investment strategies
• 17:51 Story five: Someone who inherited $5 million in his thirties, and ended up with nothing in his fifties (instead of collecting a passive six-figure income) because the funds were mismanaged
• 18:57 The official wrap of the 7 Steps audio series–plus, when it’s time to bring a professional on board to help manage your wealth and take the guesswork out of your financial planning
• 21:11 How our team of female fiduciaries can help you build wealth and achieve financial freedom, no matter where you are in your wealth building journey

Show Notes
To get access to the full show notes, including all the resources mentioned, visit: https://hendershottwe

Hendershott Wealth Management, LLC and Love, your Money do not make specific investment recommendations on Love, your Money or in any public media. Any specific mentions of funds or investments are strictly for illustrative purposes only and should not be taken as investment advice or acted upon by individual investors. The opinions expressed in this episode are those of Hilary Hendershott, CFP®, MBA.

I don’t record a bonus episode every time a major event takes place, but I do find cause for chiming in when I see something sparking questions, curiosity, and potential concerns amongst my clients and community.

In this case, that “something” is the 2024 presidential and congressional elections, which are officially in the books. As I’m sure you know, Donald Trump won the presidency and Republicans will now have a majority in the Senate and the House.

What you might not know is what those election results could mean for your money–so that’s what we’re going to talk about in this episode.

At this point, I’ve been running Hendershott Wealth through more than five presidential turnovers. I’ve had the opportunity to exercise a lot of mental acuity in evaluating implications of potential policies, and ensuring my clients’ assets are protected, regardless of the outcome.

Thanks to this experience (and the evidence that backs me up) I have a lot more peace about the potential impact of the election on both my and my clients’ wealth–and I want you to feel the same kind of calm.

So listen in as I share my approach and investment strategy when it comes to geopolitical events like an election, how I deal with all the feelings that are along for the ride, and what I advise you do–or, more accurately–don’t take action on. 👇

Here’s what you’ll learn in this week’s episode of Love, your Money:

• 00:35 Why I’m taking the mic today for a bonus episode… and my main piece of advice for this given moment, post-2024 presidential election
• 03:45 What I learned working in a political think tank in Washington D.C., and what’s impacted my perspective since
• 05:35 How policy changes impact your money and when you should take action
• 06:17 What your feelings about the election have to do with your money
• 07:48 What’s important to know about the distinction between political messaging and enacted policy
• 08:55 Geopolitical risks: What they are, and how they’re already priced into financial markets
• 10:34 Efficiently priced markets, and what they mean for your investing choices
• 12:32 The most important question to ask about your investment portfolio
• 14:42 What the evidence tells us about stock market performance and elections
• 16:36 The ways policy changes might actually impact your financial planning when they’re enacted into law
• 17:44 One of the biggest long-term economic challenges – and how a well-diversified investment portfolio helps protect your assets
• 21:10 What you can do if you feel unsure about your investment strategy

Show Notes
To get access to the full show notes, including all the resources mentioned, visit: https://hendershottwealth.com/podcast/2024-presidential-election

Follow Hilary on:
Twitter
LinkedIn

Hendershott Wealth Management, LLC and Love, your Money do not make specific investment recommendations on Love, your Money or in any public media. Any specific mentions of funds or investments are strictly for illustrative purposes only and should not be taken as investment advice or acted upon by individual investors. The opinions expressed in this episode are those of Hilary Hendershott, CFP®, MBA.