<![CDATA[Becoming A Financially Confident Woman]]>Becoming a Financially Confident Woman is a space for honest, practical conversations about money—without judgment.

Join Dr. April Murdaugh and her guests as they explore retirement, investing, taxes, and the financial decisions women face at every stage of life.

Through expert insights and real stories, you’ll gain the knowledge and confidence to make choices that support the life you want to build.





Website

]]>https://womantowomanfinancial.comRiverside.fm (https://riverside.com)Thu, 05 Nov 2026 16:32:16 GMTFri, 31 Jul 2026 22:58:29 GMT60Dr. April D. Murdaugh<p><i><em>Becoming a Financially Confident Woman</em></i> is a space for honest, practical conversations about money—without judgment.</p><p>Join Dr. April Murdaugh and her guests as they explore retirement, investing, taxes, and the financial decisions women face at every stage of life.</p><p>Through expert insights and real stories, you’ll gain the knowledge and confidence to make choices that support the life you want to build.</p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><a href="https://www.womantowomanfinancial.com" rel="noopener noreferrer nofollow">Website</a></p>episodicDr. April D. Murdaughapril@womantowomanfinancial.comno<![CDATA[Avoid Costly Medicare Enrollment Mistakes with Priscilla Sparrow]]>Turning 65 soon? Medicare might be more complicated, and more expensive, than you expect! From understanding Parts A, B, C, and D to choosing the right coverage, there's a lot to consider. And here's something that might surprise you: Medicare isn't necessarily free! Dr. April Murdaugh welcomes Priscilla Sparrow, Medicare insurance specialist and founder of PR Insurance Agency, to break down what you need to know before enrolling. They discuss Medicare costs, coverage options, and why choosing a plan based on someone else's recommendation could leave you with coverage that doesn't meet your needs.

But what happens if you miss your Medicare enrollment deadline? Some late enrollment penalties can follow you for years! And did you know that moving to another state could mean you need to change your Medicare plan? Priscilla shares common mistakes that could cost you money, why reviewing your coverage every year matters, and how planning ahead can help you avoid unpleasant surprises. Whether you're approaching 65, already enrolled, or helping an aging parent make decisions, this conversation could save you some serious headaches!

Key Takeaways:

  • Understanding Medicare Parts A, B, C, and D and what your coverage could cost.
  • Why Medicare enrollment deadlines matter and how to avoid costly penalties.
  • Common Medicare mistakes, including overlooking annual plan changes and coverage limitations.

Connect with Priscilla Sparrow on Instagram: @PRInsuranceagency

Learn more about PR Insurance Agency at https://prinsuranceagency.com/

Call to Schedule your consultation with Dr. April Murdaugh: 904-753-5250
Connect with Dr. April Murdaugh: @W2WFinancial (https://www.facebook.com/W2WFinancial) on Facebook 
Join the Facebook Group: Prosperous Women Collective (https://www.facebook.com/groups/1553261436051968/)

]]>f9f4c80d-8115-4355-9fd2-42e787434499Sat, 31 Oct 2026 01:49:52 GMT<p>Turning 65 soon? Medicare might be more complicated, and more expensive, than you expect! From understanding Parts A, B, C, and D to choosing the right coverage, there's a lot to consider. And here's something that might surprise you: <b><strong>Medicare isn't necessarily free!</strong></b> Dr. April Murdaugh welcomes <b><strong>Priscilla Sparrow, Medicare insurance specialist and founder of PR Insurance Agency</strong></b>, to break down what you need to know before enrolling. They discuss Medicare costs, coverage options, and why choosing a plan based on someone else's recommendation could leave you with coverage that doesn't meet your needs.</p><p>But what happens if you miss your Medicare enrollment deadline? Some late enrollment penalties can follow you for years! And did you know that moving to another state could mean you need to change your Medicare plan? Priscilla shares common mistakes that could cost you money, why reviewing your coverage every year matters, and how planning ahead can help you avoid unpleasant surprises. Whether you're approaching 65, already enrolled, or helping an aging parent make decisions, this conversation could save you some serious headaches!</p><p><b><strong>Key Takeaways:</strong></b></p><ul><li>Understanding Medicare Parts A, B, C, and D and what your coverage could cost.</li><li>Why Medicare enrollment deadlines matter and how to avoid costly penalties.</li><li>Common Medicare mistakes, including overlooking annual plan changes and coverage limitations.</li></ul><p><b><strong>Connect with Priscilla Sparrow</strong></b> on Instagram: <a href="https://www.instagram.com/prinsuranceagency/" rel="noopener noreferrer nofollow">@PRInsuranceagency</a></p><p>Learn more about PR Insurance Agency at <a href="https://prinsuranceagency.com/" rel="noopener noreferrer nofollow">https://prinsuranceagency.com/</a></p><p>Call to Schedule your consultation with Dr. April Murdaugh: 904-753-5250<br /><b><strong>Connect with Dr. April Murdaugh</strong></b>: @W2WFinancial (https://www.facebook.com/W2WFinancial) on Facebook <br />Join the Facebook Group: <b><strong>Prosperous Women Collective</strong></b> (https://www.facebook.com/groups/1553261436051968/) </p>no00:53:2154Avoid Costly Medicare Enrollment Mistakes with Priscilla Sparrowfull<![CDATA[Behind the Score: What Credit Bureaus Don't Tell You with Michelle Way, Credit Consultant]]>What does your credit card say about you? More than you might think! You could have an excellent credit score, pay your bills on time, and still struggle to get approved for a loan. So what are lenders actually looking at? Dr. April Murdaugh welcomes Michelle Way, credit coach, for an eye-opening conversation about why your creditworthiness goes beyond your credit score, what your credit history reveals, and how seemingly small decisions can affect your financial opportunities.

Here's something you can check today: Your credit card has a payment due date AND a statement closing date, and they matter for different reasons! One helps you avoid late payments, while the other generally determines which balance gets reported to the credit bureaus. And that's just one of the surprising things Michelle shares about how credit really works. You may be making decisions you think are helping your credit when they're actually working against you.

Key Takeaways:

  • Why a great credit score doesn't always mean you're creditworthy.
  • The difference between your credit card's due date and reporting date, and why both matter.
  • What your credit history reveals and how to avoid mistakes that could hurt your financial opportunities.

Episode Resources:

10/22 Join the Credit Coach's Webinar: https://calendly.com/w2wfinancial/creditconfidence

www.HudHomeStore.com

www.FactorTrust.com

]]>f4842c7b-dd8f-4f9c-8215-4c839a822209Fri, 16 Oct 2026 18:06:52 GMT<p>What does your credit card say about you? More than you might think! You could have an excellent credit score, pay your bills on time, and still struggle to get approved for a loan. So what are lenders actually looking at? Dr. April Murdaugh welcomes <b><strong>Michelle Way, credit coach</strong></b>, for an eye-opening conversation about why your creditworthiness goes beyond your credit score, what your credit history reveals, and how seemingly small decisions can affect your financial opportunities.</p><p><b><strong>Here's something you can check today:</strong></b> Your credit card has a payment due date AND a statement closing date, and they matter for different reasons! One helps you avoid late payments, while the other generally determines which balance gets reported to the credit bureaus. And that's just one of the surprising things Michelle shares about how credit really works. You may be making decisions you think are helping your credit when they're actually working against you.</p><p><b><strong>Key Takeaways:</strong></b></p><ul><li>Why a great credit score doesn't always mean you're creditworthy.</li><li>The difference between your credit card's due date and reporting date, and why both matter.</li><li>What your credit history reveals and how to avoid mistakes that could hurt your financial opportunities.</li></ul><p>Episode Resources:</p><p>10/22 Join the Credit Coach's Webinar: <a href="https://www.facebook.com/search/top?q=woman%20to%20woman%20financial" rel="noopener noreferrer nofollow">https://calendly.com/w2wfinancial/creditconfidence</a></p><p><a href="http://www.hudhomestore.com/" rel="noopener noreferrer nofollow">www.HudHomeStore.com</a></p><p><a href="http://www.factortrust.com/" rel="noopener noreferrer nofollow">www.FactorTrust.com</a></p>no01:07:1353Behind the Score: What Credit Bureaus Don't Tell You with Michelle Way, Credit Consultantfull<![CDATA[Empowering Women In Direct Sales-Dr. Pamela Harvey-Cox]]>Dr. April talks with Dr. Pamela Harvey-Cox a successful business owner in Direct Sales.    Direct sales have long provided women with opportunities for financial independence and entrepreneurship, offering flexibility alongside other responsibilities like family and caregiving. 

Dr. Harvey-Cox shares how she grew from a SC State employee and single mother to a fulltime  ultra successful business owner in the Direct Sales industry. Shares the common challenges that prevent women from succeeding in the industry and how she works with those willing to help them build businesses that allow them to leave a legacy for their families and communities.  

To learn more about Dr. Harvey-Cox visit her website: https://www.pameladcox.com/dr-pamela-d 

]]>https://Info33j.podbean.com/e/empowering-women-in-direct-sales-dr-pamela-harvey-cox/Info33j.podbean.com/304a4729-b04f-3975-8143-01dc8756201aThu, 14 Mar 2024 23:10:32 GMT<p>Dr. April talks with Dr. Pamela Harvey-Cox a successful business owner in Direct Sales.    Direct sales have long provided women with opportunities for financial independence and entrepreneurship, offering flexibility alongside other responsibilities like family and caregiving. </p> <p>Dr. Harvey-Cox shares how she grew from a SC State employee and single mother to a fulltime  ultra successful business owner in the Direct Sales industry. Shares the common challenges that prevent women from succeeding in the industry and how she works with those willing to help them build businesses that allow them to leave a legacy for their families and communities.  </p> <p>To learn more about Dr. Harvey-Cox visit her website: <a href="https://www.pameladcox.com/dr-pamela-d" rel="noopener noreferrer nofollow">https://www.pameladcox.com/dr-pamela-d</a> </p> no00:46:24128Empowering Women In Direct Sales-Dr. Pamela Harvey-Coxfull<![CDATA[Boundaries in Relationships and Finances with Dr. Lauren Chase]]>What do boundaries, burnout, people-pleasing, and finances have in common? More than you might think. Dr. April Murdaugh is joined by licensed mental health counselor Dr. Lauren Chase for a candid conversation about the emotional patterns that often influence our financial decisions. Together, they explore how childhood experiences, core beliefs, family dynamics, and a lack of boundaries can impact everything from money management to relationships and career growth. Along the way, Dr. Lauren poses a powerful question that stops Dr. April in her tracks: "Am I in my own way?" If you've ever struggled to say no, felt responsible for everyone else's needs, or found yourself overwhelmed despite your success, this conversation offers practical tools and fresh perspective for creating healthier boundaries, preventing burnout, and building greater financial confidence.

Key Takeaways:

  • How boundaries protect your time, energy, finances, and mental well-being

  • Why high-achieving women often struggle with people-pleasing and burnout

  • The powerful question, "Am I in my own way?", and how it can change the way you approach money, relationships, and success

Dr. Lauren Chase, Climbing Hills Counseling, Licensed Mental Health Therapist for High Achieving Women: https://www.climbinghillscounseling.com/therapist-north-carolina-south-carolina-florida

Call to Schedule your consultation with Dr. April Murdaugh: 904-753-5250

Join the 4 Week Wealth Intensive 

Connect with Dr. April Murdaugh: @W2WFinancial on Facebook 

Join the Facebook Group: Prosperous Women Collective

Chapters

00:00 Introduction to Financial Confidence and Mental Health 04:02 Defining Boundaries: Protecting Your Energy 08:38 Setting Limits: A Framework for Communication 10:00 Navigating Financial Boundaries in Relationships 11:59 The Control Circle: What You Can and Can't Control 13:16 Boundaries in Family Dynamics and Aging Parents 14:36 Taking Action: Moving Beyond Talk to Action 16:43 Modeling Financial Behavior for Children 19:12 Empowerment Through Boundaries: Success Stories 20:02 The Domino Effect of Empowerment in Relationships 22:26 Asking for What You Deserve: Financial Conversations 24:30 Understanding Cognitive Behavioral Therapy (CBT) 26:12 The Distinction Between Coaching and Therapy 28:49 Exploring Money Beliefs and Behaviors 31:52 Common Misconceptions Among High Achieving Women 33:39 Financial Self-Care as a Form of Empowerment 36:50 Navigating Guilt and Self-Worth in Financial Decisions 41:41 Preventing Burnout Through Boundaries and Self-Care 44:32 The Importance of Understanding Finances to Avoid Burnout 47:20 Conclusion and Future Collaborations

 

]]>https://Info33j.podbean.com/e/boundaries-in-relationships-and-finances-with-dr-lauren-chase/Info33j.podbean.com/19e45d31-4610-31aa-a87b-74ca4992904dFri, 19 Jun 2026 20:54:37 GMT<p>What do boundaries, burnout, people-pleasing, and finances have in common? More than you might think. Dr. April Murdaugh is joined by licensed mental health counselor Dr. Lauren Chase for a candid conversation about the emotional patterns that often influence our financial decisions. Together, they explore how childhood experiences, core beliefs, family dynamics, and a lack of boundaries can impact everything from money management to relationships and career growth. Along the way, Dr. Lauren poses a powerful question that stops Dr. April in her tracks: "Am I in my own way?" If you've ever struggled to say no, felt responsible for everyone else's needs, or found yourself overwhelmed despite your success, this conversation offers practical tools and fresh perspective for creating healthier boundaries, preventing burnout, and building greater financial confidence.</p> <p>Key Takeaways:</p> <ul> <li> <p>How boundaries protect your time, energy, finances, and mental well-being</p> </li> <li> <p>Why high-achieving women often struggle with people-pleasing and burnout</p> </li> <li> <p>The powerful question, "Am I in my own way?", and how it can change the way you approach money, relationships, and success</p> </li> </ul> <p>Dr. Lauren Chase, Climbing Hills Counseling, Licensed Mental Health Therapist for High Achieving Women: <a href="https://www.climbinghillscounseling.com/therapist-north-carolina-south-carolina-florida" rel="noopener noreferrer nofollow">https://www.climbinghillscounseling.com/therapist-north-carolina-south-carolina-florida</a></p> <p>Call to Schedule your consultation with Dr. April Murdaugh: 904-753-5250</p> <p><a href="https://www.womantowomanfinancial.com/Events.7.htm" rel="noopener noreferrer nofollow">Join the 4 Week Wealth Intensive </a></p> <p>Connect with Dr. April Murdaugh: <a href="https://www.facebook.com/W2WFinancial" rel="noopener noreferrer nofollow">@W2WFinancial</a> on Facebook </p> <p>Join the Facebook Group: <a href="https://www.facebook.com/groups/1553261436051968/" rel="noopener noreferrer nofollow">Prosperous Women Collective</a></p> <p>Chapters</p> <p>00:00 Introduction to Financial Confidence and Mental Health 04:02 Defining Boundaries: Protecting Your Energy 08:38 Setting Limits: A Framework for Communication 10:00 Navigating Financial Boundaries in Relationships 11:59 The Control Circle: What You Can and Can't Control 13:16 Boundaries in Family Dynamics and Aging Parents 14:36 Taking Action: Moving Beyond Talk to Action 16:43 Modeling Financial Behavior for Children 19:12 Empowerment Through Boundaries: Success Stories 20:02 The Domino Effect of Empowerment in Relationships 22:26 Asking for What You Deserve: Financial Conversations 24:30 Understanding Cognitive Behavioral Therapy (CBT) 26:12 The Distinction Between Coaching and Therapy 28:49 Exploring Money Beliefs and Behaviors 31:52 Common Misconceptions Among High Achieving Women 33:39 Financial Self-Care as a Form of Empowerment 36:50 Navigating Guilt and Self-Worth in Financial Decisions 41:41 Preventing Burnout Through Boundaries and Self-Care 44:32 The Importance of Understanding Finances to Avoid Burnout 47:20 Conclusion and Future Collaborations</p> <p> </p> no00:49:0948Boundaries in Relationships and Finances with Dr. Lauren Chasefull<![CDATA[Collaborate & Thrive: Navigating Divorce with Unity and Empowerment]]>Dr. April talks with Collaborative Divorce and mediatory attorney Elaine Silver of Silver Divorce in Lake Mary (Greater Orlando) Florida. Her practice is limited to out of court resolution including Collaborative practice, unbundled services, representing clients through litigated matters, and mediating for families with and without lawyers in the room.  She has been an attorney in Florida for over 20 years, where she founded the Silver Divorce Center.   Elaine shares valuable insights into the collaborative divorce process, emphasizing its benefits and how it differs from traditional litigation. 

We delve into the principles of open communication, mutual respect, and shared decision-making that form the foundation of collaborative divorce, even with a controlling narcissist.  Whether you're contemplating divorce or seeking a more amicable path, this episode offers a roadmap to empower individuals to make informed decisions during a challenging time. We also discuss the Grey Divorce now permeating our country. 

Tune in to gain a deeper understanding of collaborative divorce and learn how collaborative divorce professionals like Elain are championing a more compassionate and constructive approach to separation.  

Schedule a consultation with Elaine by visiting her website: www.Silverdivorce.com or call 407-268-6830

To learn more about Collaborative Divorce visit: https://www.collaborativepracticeflorida.com/start-your-process-here/

 

]]>https://Info33j.podbean.com/e/collaborate-thrive-navigating-divorce-with-unity-and-empowerment/Info33j.podbean.com/3767fd75-2e01-3480-8967-fcddd7925fafMon, 18 Dec 2023 14:00:00 GMT<p>Dr. April talks with Collaborative Divorce and mediatory attorney Elaine Silver of Silver Divorce in Lake Mary (Greater Orlando) Florida. Her practice is limited to out of court resolution including Collaborative practice, unbundled services, representing clients through litigated matters, and mediating for families with and without lawyers in the room.  She has been an attorney in Florida for over 20 years, where she founded the Silver Divorce Center.   Elaine shares valuable insights into the collaborative divorce process, emphasizing its benefits and how it differs from traditional litigation. </p> <p>We delve into the principles of open communication, mutual respect, and shared decision-making that form the foundation of collaborative divorce, even with a controlling narcissist.  Whether you're contemplating divorce or seeking a more amicable path, this episode offers a roadmap to empower individuals to make informed decisions during a challenging time. We also discuss the Grey Divorce now permeating our country. </p> <p>Tune in to gain a deeper understanding of collaborative divorce and learn how collaborative divorce professionals like Elain are championing a more compassionate and constructive approach to separation.  </p> <p>Schedule a consultation with Elaine by visiting her website: <a href="http://www.Silverdivorce.com" rel="noopener noreferrer nofollow">www.Silverdivorce.com</a> or call 407-268-6830</p> <p>To learn more about Collaborative Divorce visit: <a href="https://www.collaborativepracticeflorida.com/start-your-process-here/" rel="noopener noreferrer nofollow">https://www.collaborativepracticeflorida.com/start-your-process-here/</a></p> <p> </p> no01:05:24120Collaborate & Thrive: Navigating Divorce with Unity and Empowermentfull<![CDATA[Love Is Not Enough Series: Premarital Counseling Questions with Dr. Freda Doxey]]>In this episode of Becoming a Financially Confident Woman, Dr. April Murdaugh is joined by Dr. Freda Doxey, Licensed Mental Health Counselor, Certified Sex Therapist, and author of Live and Increase. Together, they explore how premarital counseling reveals blind spots that love alone can’t fix—from money habits and communication struggles to self-awareness and emotional readiness. Dr. Freda introduces her “HOT” framework—being honest about your expectations and fears, open to understanding your partner’s perspective, and transparent about your motives and money story.

They also discuss how early money memories shape adult relationships, the importance of flexibility before setting a wedding date, and why empathy and emotional maturity matter more than perfection. Listen to the end as Dr. Freda shares the one question every couple should be asking today.

Connect with Dr. Freda Doxey: AWiseCompany.com Dr. Freda Doxey's Book: Live and Increase: How to Release the Weight of Self-Doubt and Grow in Entrepreneurship

I'd love to Connect too: @W2WFinancial on Facebook 

Join the Facebook Group: Prosperous Women Collective

]]>https://Info33j.podbean.com/e/37-love-is-not-enough-series-premarital-counseling-questions-with-dr-freda-doxey/Info33j.podbean.com/c4229431-b009-37b1-83de-394ac933d33fFri, 24 Oct 2025 12:00:00 GMT<p>In this episode of Becoming a Financially Confident Woman, Dr. April Murdaugh is joined by Dr. Freda Doxey, Licensed Mental Health Counselor, Certified Sex Therapist, and author of Live and Increase. Together, they explore how premarital counseling reveals blind spots that love alone can’t fix—from money habits and communication struggles to self-awareness and emotional readiness. Dr. Freda introduces her “HOT” framework—being honest about your expectations and fears, open to understanding your partner’s perspective, and transparent about your motives and money story.</p> <p>They also discuss how early money memories shape adult relationships, the importance of flexibility before setting a wedding date, and why empathy and emotional maturity matter more than perfection. Listen to the end as Dr. Freda shares the one question every couple should be asking today.</p> <p>Connect with Dr. Freda Doxey: <a href="https://www.awise.company/" rel="noopener noreferrer nofollow">AWiseCompany.com</a> Dr. Freda Doxey's Book: Live and Increase: How to Release the Weight of Self-Doubt and Grow in Entrepreneurship </p> <p>I'd love to Connect too: <a href="https://www.facebook.com/W2WFinancial" rel="noopener noreferrer nofollow">@W2WFinancial</a> on Facebook </p> <p>Join the Facebook Group: <a href="https://www.facebook.com/groups/1553261436051968/" rel="noopener noreferrer nofollow">Prosperous Women Collective</a></p> no01:03:2737Love Is Not Enough Series: Premarital Counseling Questions with Dr. Freda Doxeyfull<![CDATA[Navigating Financial Conversations with Your Significant Other]]>Dr. April unpacks essential tips for navigating conversations about money with your significant other.  Discover effective communication strategies, learn how to set common financial goals, and gain insights into building a strong financial foundation as a couple. 

 

Click to take the Money Psychology Quiz

Click to schedule a complimentary Synergy Session with Dr. April.   

]]>https://Info33j.podbean.com/e/navigating-financial-conversations-with-your-significant-other/Info33j.podbean.com/90cfb417-422c-3c5d-91ce-7b75afc14f1cMon, 05 Feb 2024 12:00:00 GMT<p>Dr. April unpacks essential tips for navigating conversations about money with your significant other.  Discover effective communication strategies, learn how to set common financial goals, and gain insights into building a strong financial foundation as a couple. </p> <p> </p> <p>Click to take the <a href="https://empower.me/quiz/" rel="noopener noreferrer nofollow">Money Psychology Quiz</a></p> <p><a href="https://calendly.com/w2wfinancial/60min" rel="noopener noreferrer nofollow">Click</a> to schedule a complimentary Synergy Session with Dr. April.   </p> no00:43:2023Navigating Financial Conversations with Your Significant Otherfull<![CDATA[Surviving 9/11: A Widow’s Journey]]>Dr. April interviews Kimberly Trimingham a widow whose husband was one of the employees in the Towers September 11, 2001. Kimberly explains how she tragically lost her husband who was on the 104th of the Tower.  She shares the struggle of accepting his passing, being thrust into becoming a single mother of three small children, how she managed emotionally, mentally, and financially.  This podcast explores the resilience and strength of Kimberly as she and her young children navigated the aftermath of 9/11.  

Ms. Trimingham gives suggestions to women on navigating sudden loss, and shares how she and her children, now successful adults, managed to survive with the help of family, friends, and the New York community.  

 

]]>https://Info33j.podbean.com/e/surviving-911-a-widow-s-journey/Info33j.podbean.com/b50e4803-2ac5-3cc5-b5ba-25107b878b43Mon, 25 Sep 2023 15:21:59 GMT<p>Dr. April interviews Kimberly Trimingham a widow whose husband was one of the employees in the Towers September 11, 2001. Kimberly explains how she tragically lost her husband who was on the 104th of the Tower.  She shares the struggle of accepting his passing, being thrust into becoming a single mother of three small children, how she managed emotionally, mentally, and financially.  This podcast explores the resilience and strength of Kimberly as she and her young children navigated the aftermath of 9/11.  </p> <p>Ms. Trimingham gives suggestions to women on navigating sudden loss, and shares how she and her children, now successful adults, managed to survive with the help of family, friends, and the New York community.  </p> <p> </p> no00:45:01111Surviving 9/11: A Widow’s Journeyfull<![CDATA[Championing Inclusion with Dr. Tammy Hodo]]>In this inspiring episode of "Becoming a Financially Confident Woman", host Dr. April Murdaugh converses with Dr. Tammy Hodo, CEO of All Things Diverse. The in-depth discussion traverses Tammy's significant journey advocating diversity and inclusion as tools for transforming businesses and communities.

An expose of her experiences, from face-offs with institutional racism and sexism to establishing a business promoting diverse and inclusive workspaces, this candid conversation offers invaluable insights for women entrepreneurs. Beyond the professional realm, you learn about the undying resilience of a multiethnic woman turning adversity into success while promoting equity and social justice.

Moving from individual to societal narratives, the episode explores systemic biases and their impacts, highlighting the persisting racial disparities despite well-intentioned laws. It addresses poignant hustles like high infant mortality rates among African Americans, over-policing, and generational wealth discrepancies. Expect a meticulous analysis on historical practices responsible for these disparities.

Then, Dr. Tammy Hodo takes us deeper, illuminating the effects of housing policies and practices such as suburbanization on minority communities. It's an eye-opening exploration of historical structures perpetuating socioeconomic gaps. However, it's not all under the hammer; the episode provides constructive solutions: cultural competence, pedagogic reform, and mentorship.

Firmly believing in the power of empathy and shared histories as societal glue, the episode urges building cultural intelligence and takes a stand against stereotypical representations of diverse cultures. Join this enlightening discourse about diversity, inclusion, and the importance of cultural competence in organizational settings, as we venture through the intricate landscape of societal relations.

Finally, listen to Dr. Hodo champion cultural competence strategies that organizations can adopt to enhance diversity. With a peek into her practical guidebook on handling difficult dialogues about identity, race, and politics, this episode emphasizes the need to go beyond just ticking off diversity and inclusivity checkboxes, urging us to be genuine change agents.

To reach Dr. Hodo visit: www.AllThingsDiverse.com

To watch her TED Talk visit: https://youtu.be/a4jPGhN5TCM?si=mL9mOVleMzIR1Hu1

To get a copy of her book visit: https://amazon.com/Difficult-Conversations-Identity-Politics-Education/dp/1032121432

 

]]>https://Info33j.podbean.com/e/championing-inclusion-with-dr-tammy-hodo/Info33j.podbean.com/4c152736-d004-3e8c-9dd9-e2dce1ba210eMon, 04 Mar 2024 12:00:00 GMT<p>In this inspiring episode of "Becoming a Financially Confident Woman", host Dr. April Murdaugh converses with Dr. Tammy Hodo, CEO of All Things Diverse. The in-depth discussion traverses Tammy's significant journey advocating diversity and inclusion as tools for transforming businesses and communities.</p> <p>An expose of her experiences, from face-offs with institutional racism and sexism to establishing a business promoting diverse and inclusive workspaces, this candid conversation offers invaluable insights for women entrepreneurs. Beyond the professional realm, you learn about the undying resilience of a multiethnic woman turning adversity into success while promoting equity and social justice.</p> <p>Moving from individual to societal narratives, the episode explores systemic biases and their impacts, highlighting the persisting racial disparities despite well-intentioned laws. It addresses poignant hustles like high infant mortality rates among African Americans, over-policing, and generational wealth discrepancies. Expect a meticulous analysis on historical practices responsible for these disparities.</p> <p>Then, Dr. Tammy Hodo takes us deeper, illuminating the effects of housing policies and practices such as suburbanization on minority communities. It's an eye-opening exploration of historical structures perpetuating socioeconomic gaps. However, it's not all under the hammer; the episode provides constructive solutions: cultural competence, pedagogic reform, and mentorship.</p> <p>Firmly believing in the power of empathy and shared histories as societal glue, the episode urges building cultural intelligence and takes a stand against stereotypical representations of diverse cultures. Join this enlightening discourse about diversity, inclusion, and the importance of cultural competence in organizational settings, as we venture through the intricate landscape of societal relations.</p> <p>Finally, listen to Dr. Hodo champion cultural competence strategies that organizations can adopt to enhance diversity. With a peek into her practical guidebook on handling difficult dialogues about identity, race, and politics, this episode emphasizes the need to go beyond just ticking off diversity and inclusivity checkboxes, urging us to be genuine change agents.</p> <p>To reach Dr. Hodo visit: <a href="http://www.AllThingsDiverse.com" rel="noopener noreferrer nofollow">www.AllThingsDiverse.com</a></p> <p>To watch her TED Talk visit: <a href="https://youtu.be/a4jPGhN5TCM?si=mL9mOVleMzIR1Hu1" rel="noopener noreferrer nofollow">https://youtu.be/a4jPGhN5TCM?si=mL9mOVleMzIR1Hu1</a></p> <p>To get a copy of her book visit: <a href="https://amazon.com/Difficult-Conversations-Identity-Politics-Education/dp/1032121432" rel="noopener noreferrer nofollow">https://amazon.com/Difficult-Conversations-Identity-Politics-Education/dp/1032121432</a></p> <p> </p> no01:05:53126Championing Inclusion with Dr. Tammy Hodofull<![CDATA[Why Workplace Life Insurance Isn’t Enough]]>In this podcast episode, Dr. April dives deep into the topic of workplace life insurance and explore why it often falls short of providing comprehensive coverage for individuals and their families.  Throughout the episode she shares real life stores and examples to illustrate the importance of looking beyond workplace life insurance and considering individual policies to ensure comprehensive and  stories as to why workplace life insurance should not be the only coverage. 

Listeners gain valuable insights into the world of life insurance and how it can be a vital component of their overall financial planning strategy.

]]>https://Info33j.podbean.com/e/why-workplace-life-insurance-isn-t-enough/Info33j.podbean.com/7530416b-c1b2-3eb1-ad65-f4e3b9c7042bWed, 13 Sep 2023 18:07:15 GMT<p>In this podcast episode, Dr. April dives deep into the topic of workplace life insurance and explore why it often falls short of providing comprehensive coverage for individuals and their families.  Throughout the episode she shares real life stores and examples to illustrate the importance of looking beyond workplace life insurance and considering individual policies to ensure comprehensive and  stories as to why workplace life insurance should not be the only coverage. </p> <p>Listeners gain valuable insights into the world of life insurance and how it can be a vital component of their overall financial planning strategy.</p> no00:40:0910Why Workplace Life Insurance Isn’t Enoughfull<![CDATA[What is an Annuity and Do You Need One?]]>Annuities can feel confusing or intimidating, especially with all the mixed opinions surrounding them. Dr. April Murdaugh breaks the topic down in a simple, easy-to-follow way, using real-life examples to explain what annuities are and why they get such strong reactions. This episode is educational—not a sales pitch—and focuses on helping you understand the basics without the noise.

Dr. Murdaugh explains annuities as a type of personal pension and clearly walks through how they work, the differences between common options like fixed, indexed, and variable annuities, and when they may or may not make sense. By the end of the episode, you’ll have more clarity on whether you might be a candidate for an annuity and which type could be right for you—all within the context of a bigger, well-balanced financial plan.

Download Your Annuity Fit Checklist

Call to Schedule your consultation: 904-753-5250

Connect with Dr. April Murdaugh: @W2WFinancial on Facebook 

Join the Facebook Group: Prosperous Women Collective

]]>https://Info33j.podbean.com/e/what-is-an-annuity-and-do-you-need-one/Info33j.podbean.com/8fc72368-b936-324c-ad7b-effe87361a9dFri, 09 Jan 2026 13:00:00 GMT<p>Annuities can feel confusing or intimidating, especially with all the mixed opinions surrounding them. Dr. April Murdaugh breaks the topic down in a simple, easy-to-follow way, using real-life examples to explain what annuities are and why they get such strong reactions. This episode is educational—not a sales pitch—and focuses on helping you understand the basics without the noise.</p> <p>Dr. Murdaugh explains annuities as a type of personal pension and clearly walks through how they work, the differences between common options like fixed, indexed, and variable annuities, and when they may or may not make sense. By the end of the episode, you’ll have more clarity on whether you might be a candidate for an annuity and which type could be right for you—all within the context of a bigger, well-balanced financial plan.</p> <p><a href="https://acrobat.adobe.com/id/urn:aaid:sc:US:797e15c1-ae3c-4557-b990-2e502bcf7415" rel="noopener noreferrer nofollow">Download Your Annuity Fit Checklist</a></p> <p>Call to Schedule your consultation: 904-753-5250</p> <p>Connect with Dr. April Murdaugh: <a href="https://www.facebook.com/W2WFinancial" rel="noopener noreferrer nofollow">@W2WFinancial</a> on Facebook </p> <p>Join the Facebook Group: <a href="https://www.facebook.com/groups/1553261436051968/" rel="noopener noreferrer nofollow">Prosperous Women Collective</a></p> no00:45:0242What is an Annuity and Do You Need One?full<![CDATA[Becoming Your Favorite Self with Sophia Hyde]]>Dr. April Murdaugh sits down with Sophia Hyde, Master Life Coach and author of Unleash Your Favorite Self. Sophia shares how shifting from hustle to alignment changed everything in her life—including her finances.

She explains what it means to “rest into revenue,” letting go of constant striving and learning to trust ease and alignment instead of burnout. Sophia also introduces her Favorite Life Wheel, a tool that helps women see where they’re thriving and where they need balance. Together, they explore how self-awareness, mindset, and core values shape both your financial confidence and your peace of mind.

Connect with Sophia Hyde: sophiahyde.com Book: Unleash Your Favorite Self App: Favorite Life Wheel App

I'd love to Connect too: @W2WFinancial on Facebook 

Join the Facebook Group: Prosperous Women Collective

]]>https://Info33j.podbean.com/e/becoming-your-favorite-self-care-with-sophia-hyde/Info33j.podbean.com/f93effca-f462-399a-8ebc-ba5526c19566Fri, 07 Nov 2025 12:00:00 GMT<p>Dr. April Murdaugh sits down with Sophia Hyde, Master Life Coach and author of Unleash Your Favorite Self. Sophia shares how shifting from hustle to alignment changed everything in her life—including her finances.</p> <p>She explains what it means to “rest into revenue,” letting go of constant striving and learning to trust ease and alignment instead of burnout. Sophia also introduces her Favorite Life Wheel, a tool that helps women see where they’re thriving and where they need balance. Together, they explore how self-awareness, mindset, and core values shape both your financial confidence and your peace of mind.</p> <p>Connect with Sophia Hyde: <a href="#" rel="noopener noreferrer nofollow">sophiahyde.com</a> Book: Unleash Your Favorite Self App: Favorite Life Wheel App </p> <p>I'd love to Connect too: <a href="https://www.facebook.com/W2WFinancial" rel="noopener noreferrer nofollow">@W2WFinancial</a> on Facebook </p> <p>Join the Facebook Group: <a href="https://www.facebook.com/groups/1553261436051968/" rel="noopener noreferrer nofollow">Prosperous Women Collective</a></p> no00:50:3938Becoming Your Favorite Self with Sophia Hydefull<![CDATA[Trials & Triumphs: The Journey of a Small Business Leader with Lakita Spann]]>Dr. April talks with Mrs. Lakita Spann, CEO of Mr. Potato Spread, a successful eatery in Jacksonville, Florida.  Mrs. Spann was also selected as Jacksonville's Small Business Leader of the Year for 2024.  

Listen to the captivating podcast that shares the inspiring story of a remarkable woman business owner who has overcome numerous challenges to become the Small Business Leader of the Year.  In this episode we delve into her journey, explore the obstacles she and her husband face, the strategies she employed, and the lessons she learned along the way.  

Listeners will gain valuable insights into entrepreneurship, resilience, and the power of perseverance.  Listen as we discuss the trials and celebrate the triumphs and navigate the trials of small business leadership with this extraordinary woman at the helm.

If you are in Jacksonville, Florida I encourage you to visit her restaurant.  If you are not local, she does ship orders too!  Visit: https://www.mrpotatospread.com/

 

]]>https://Info33j.podbean.com/e/trials-triumphs-the-journey-of-a-small-business-leader-with-lakita-spann/Info33j.podbean.com/ea3baf0b-c644-369e-85ee-4271acb27aacMon, 25 Mar 2024 22:14:53 GMT<p>Dr. April talks with Mrs. Lakita Spann, CEO of Mr. Potato Spread, a successful eatery in Jacksonville, Florida.  Mrs. Spann was also selected as Jacksonville's Small Business Leader of the Year for 2024.  </p> <p>Listen to the captivating podcast that shares the inspiring story of a remarkable woman business owner who has overcome numerous challenges to become the Small Business Leader of the Year.  In this episode we delve into her journey, explore the obstacles she and her husband face, the strategies she employed, and the lessons she learned along the way.  </p> <p>Listeners will gain valuable insights into entrepreneurship, resilience, and the power of perseverance.  Listen as we discuss the trials and celebrate the triumphs and navigate the trials of small business leadership with this extraordinary woman at the helm.</p> <p>If you are in Jacksonville, Florida I encourage you to visit her restaurant.  If you are not local, she does ship orders too!  Visit: <a href="https://www.mrpotatospread.com/" rel="noopener noreferrer nofollow">https://www.mrpotatospread.com/</a></p> <p> </p> no00:46:19129Trials & Triumphs: The Journey of a Small Business Leader with Lakita Spannfull<![CDATA[Helping Kids Lead Struggle Free Lives]]>Dr. April interviews Mrs. Twyla Prindle-Ivey, the CEO and Founder of Kash Kids a nonprofit organization that teaches financial literacy to K-12 students in Jacksonville Florida and surrounding areas.  She also has an online program available to children nationwide.  Twyla is no stranger to financial mistakes.  She has taken the education she received from her parents and her own experiences to help children and their parents learn about money to help them lead "struggle free lives."  

Twyla also has a curriculum and books that she self-published, focused on financial topics for children.  For this holiday season she is offering an eight book bundle for $55. You may visit her website at: www.kashkids.org to learn more about her organization and obtain financial education materials for your children, grandchildren, friends and family.  For more information visit her website or email her at: twyla@kashkids.org 

]]>https://Info33j.podbean.com/e/helping-kids-lead-struggle-free-lives/Info33j.podbean.com/7f35dbff-21a0-31f0-bb72-9f9520d60affFri, 24 Nov 2023 13:28:22 GMT<p>Dr. April interviews Mrs. Twyla Prindle-Ivey, the CEO and Founder of Kash Kids a nonprofit organization that teaches financial literacy to K-12 students in Jacksonville Florida and surrounding areas.  She also has an online program available to children nationwide.  Twyla is no stranger to financial mistakes.  She has taken the education she received from her parents and her own experiences to help children and their parents learn about money to help them lead "struggle free lives."  </p> <p>Twyla also has a curriculum and books that she self-published, focused on financial topics for children.  For this holiday season she is offering an eight book bundle for $55. You may visit her website at: <a href="http://www.kashkids.org" rel="noopener noreferrer nofollow">www.kashkids.org</a> to learn more about her organization and obtain financial education materials for your children, grandchildren, friends and family.  For more information visit her website or email her at: <a href="mailto:twyla@kashkids.org" rel="noopener noreferrer nofollow">twyla@kashkids.org</a> </p> no00:55:34117Helping Kids Lead Struggle Free Livesfull<![CDATA[Entrepreneur vs Business Owner-Which Are You?]]>This episode outlines the distinct differences between a business owner and entrepreneur. It outlines the many mistakes that they make when deciding to begin a business.  A brief overview of how to manage one's business is shared. You don't want to miss this podcast. It is important to understand which you are and plan accordingly.

To get help with your entrepreneurial/business journey, contact Woman To Woman for a complimentary financial consultation. Info@womantowomanfinancial.com www.womantowomanfinancial.com

 

]]>https://Info33j.podbean.com/e/entrepreneur-vs-business-owner-which-are-you/Info33j.podbean.com/906d62ee-bb1f-39cd-b63d-98b2d2fd628eFri, 21 Jul 2023 21:37:17 GMT<p>This episode outlines the distinct differences between a business owner and entrepreneur. It outlines the many mistakes that they make when deciding to begin a business.  A brief overview of how to manage one's business is shared. You don't want to miss this podcast. It is important to understand which you are and plan accordingly.</p> <p>To get help with your entrepreneurial/business journey, contact Woman To Woman for a complimentary financial consultation. <a href="mailto:Info@womantowomanfinancial.com" rel="noopener noreferrer nofollow">Info@womantowomanfinancial.com</a> <a href="http://www.womantowomanfinancial.com" rel="noopener noreferrer nofollow">www.womantowomanfinancial.com</a></p> <p> </p> no00:33:0014Entrepreneur vs Business Owner-Which Are You?full<![CDATA[Breaking Down Barriers: Financial Equality and Inclusion]]>Dr. April talks with Ms. Joy Young (she/her), the President of the Alpha Lamda Zeta Fraternity Incorporated, a National Lesbian Fraternity.  In this insightful conversation, they delve into the distinctive financial landscape of the LGBTQ+ community.  

Joy generously shares her wisdom, offering advice, personal stories, and valuable insights.  Together, they aim to enlighten listeners and individuals aspiring to contribute to the community, emphasizing that personal choices should not hinder access to essential services and products. Embark with us on a transformative journey toward financial empowerment and inclusivity.  

To learn more about Joy Young and the Alpha Lamda Zeta Fraternity Incorporated visit their website at: https://www.alphalambdazeta.com/ 

 

]]>https://Info33j.podbean.com/e/rainbow-finances-navigating-the-economics-of-the-lgbtq-community/Info33j.podbean.com/f93ce0c3-4879-3569-acef-861c6997bebaWed, 24 Jan 2024 18:19:03 GMT<p>Dr. April talks with Ms. Joy Young (she/her), the President of the Alpha Lamda Zeta Fraternity Incorporated, a National Lesbian Fraternity.  In this insightful conversation, they delve into the distinctive financial landscape of the LGBTQ+ community.  </p> <p>Joy generously shares her wisdom, offering advice, personal stories, and valuable insights.  Together, they aim to enlighten listeners and individuals aspiring to contribute to the community, emphasizing that personal choices should not hinder access to essential services and products. Embark with us on a transformative journey toward financial empowerment and inclusivity.  </p> <p>To learn more about Joy Young and the Alpha Lamda Zeta Fraternity Incorporated visit their website at: <a href="https://www.alphalambdazeta.com/" rel="noopener noreferrer nofollow">https://www.alphalambdazeta.com/</a> </p> <p> </p> no01:07:42122Breaking Down Barriers: Financial Equality and Inclusionfull<![CDATA[Navigating Finance: DIY or Not?]]>Dr. April explores the critical decision individuals face when it comes to managing their finances.  She delves into the pros and cons of do-it-yourself financial planning versus seeing professional advice.  Listeners can expect to gain a comprehensive understanding of the advantages and challenges associated with both DIY financial management and relying on financial professionals.  The podcast aims to empower its audience with the knowledge needed to make informed decisions about their financial future. 

If you need help contact Dr. April for a complimentary consultation at: Info@womantowomanfinancial.com

]]>https://Info33j.podbean.com/e/navigating-finance-diy-or-not/Info33j.podbean.com/d3583b47-d4e6-3cbb-bc4e-12539a79c8fcMon, 27 Nov 2023 15:55:47 GMT<p>Dr. April explores the critical decision individuals face when it comes to managing their finances.  She delves into the pros and cons of do-it-yourself financial planning versus seeing professional advice.  Listeners can expect to gain a comprehensive understanding of the advantages and challenges associated with both DIY financial management and relying on financial professionals.  The podcast aims to empower its audience with the knowledge needed to make informed decisions about their financial future. </p> <p>If you need help contact Dr. April for a complimentary consultation at: <a href="mailto:Info@womantowomanfinancial.com" rel="noopener noreferrer nofollow">Info@womantowomanfinancial.com</a></p> no00:49:23118Navigating Finance: DIY or Not?full<![CDATA[Why Women Need A Financial Plan]]>This episode details the reasons why women need a financial plan.  Topics discussed include: What is a financial plan, what does financial planning look like, when and how to begin financial planning.  A review of the financial planning process and how to select a planner to work with.  Also, the myths surrounding financial planning are discussed. 

To begin the process schedule a complimentary consultation to determine if there is synergy for us to work together.   Email: Info@WomanToWomanFinancial.com  Visit our  Website

]]>https://Info33j.podbean.com/e/why-women-need-a-financial-plan/Info33j.podbean.com/fbb63c64-cd81-318e-a74b-cf8aba22e288Fri, 16 Jun 2023 08:24:08 GMT<p>This episode details the reasons why women need a financial plan.  Topics discussed include: What is a financial plan, what does financial planning look like, when and how to begin financial planning.  A review of the financial planning process and how to select a planner to work with.  Also, the myths surrounding financial planning are discussed. </p> <p>To begin the process schedule a complimentary consultation to determine if there is synergy for us to work together.   Email: <a href="mailto:Info@WomanToWomanFinancial.com" rel="noopener noreferrer nofollow">Info@WomanToWomanFinancial.com </a> Visit our  <a href="http://www.womantowomanfinancial.com" rel="noopener noreferrer nofollow">Website</a></p> no00:40:002Why Women Need A Financial Planfull<![CDATA[Using Your Home To Create Generational Wealth]]>Dr. April chats with Mrs. Genie McGee, Retirement Mortgage Specialist at Fairway Mortgage.  Mrs. McGee dispels the myths surrounding using your home as part of your retirement and generational wealth strategy.

Mrs. McGee outlines the qualifications, the process, and why should someone seek to use their home as part of their retirement planning strategy. Moreover, she explains that this strategy is not for the desperate person or a last resort option, but should be an option for all homeowners when planning their financial futures.

Gone are the days where Home Equity Conversion Mortgages are for only poor people in urban communities; it has now become a strategy used by the middle class and high net worth individuals desiring to live the retirement lifestyle they deserve as well as leave a lasting legacy.

Listen as we delve into this controversial topic. 

For questions, you may contact Mrs. McGee at: 404-388-1885 or via email at: genie.mcgee@fairwaymc.com Visit her website: https://fairwayreverse.com/loan-officers/genie-mcgee/

 

 

]]>https://Info33j.podbean.com/e/using-your-home-to-create-generational-wealth/Info33j.podbean.com/2d1a17fd-decc-3287-bee8-b971ad2ee8bcMon, 23 Oct 2023 13:00:00 GMT<p>Dr. April chats with Mrs. Genie McGee, Retirement Mortgage Specialist at Fairway Mortgage.  Mrs. McGee dispels the myths surrounding using your home as part of your retirement and generational wealth strategy.</p> <p>Mrs. McGee outlines the qualifications, the process, and why should someone seek to use their home as part of their retirement planning strategy. Moreover, she explains that this strategy is not for the desperate person or a last resort option, but should be an option for all homeowners when planning their financial futures.</p> <p>Gone are the days where Home Equity Conversion Mortgages are for only poor people in urban communities; it has now become a strategy used by the middle class and high net worth individuals desiring to live the retirement lifestyle they deserve as well as leave a lasting legacy.</p> <p>Listen as we delve into this controversial topic. </p> <p>For questions, you may contact Mrs. McGee at: 404-388-1885 or via email at: <a href="mailto:genie.mcgee@fairwaymc.com" rel="noopener noreferrer nofollow">genie.mcgee@fairwaymc.com</a> Visit her website: <a href="https://fairwayreverse.com/loan-officers/genie-mcgee/" rel="noopener noreferrer nofollow">https://fairwayreverse.com/loan-officers/genie-mcgee/</a></p> <p> </p> <p> </p> no00:54:25114Using Your Home To Create Generational Wealthfull<![CDATA[What To Do With An Old 401K?]]>Leaving a job doesn't mean you should forget about your retirement savings. If you have an old 401(k), you have options—but choosing the wrong one could lead to unnecessary taxes, missed investment opportunities, or costly mistakes. Dr. April Murdaugh walks through the four primary options for an old 401(k), explaining the advantages and disadvantages of each. She also covers common rollover mistakes, important tax considerations, beneficiary updates, and why making emotional decisions during a career transition can have long-term consequences. Whether you've changed jobs once or several times, this episode will help you make a more informed decision about one of your most important retirement assets.

Key Takeaways:

  • The four options you have for an old 401(k) and when each one may make sense

  • Common rollover mistakes that can trigger taxes and penalties

  • Why your old 401(k) should be part of your overall retirement strategy—not just another forgotten account

Call to Schedule your consultation with Dr. April Murdaugh: 904-753-5250

Connect with Dr. April Murdaugh: @W2WFinancial on Facebook 

Join the Facebook Group: Prosperous Women Collective

Chapters

00:00 Introduction to managing old 401(k) accounts 00:55 Why many Americans have multiple old retirement accounts 01:24 Option 1: Leave it in the former employer’s plan 02:23 Advantages of leaving your 401(k) in the old plan 03:10 Disadvantages of leaving it in the old plan 04:35 Option 2: Roll over into your new employer’s 401(k) 05:56 Benefits of consolidating into a new 401(k) 06:23 Using the backdoor Roth strategy with rollovers 07:50 Understanding Roth IRA conversions and benefits 09:17 Disadvantages of rolling into a new 401(k) 10:14 Option 3: Roll over into an IRA 11:13 Types of IRAs: Traditional vs Roth 12:40 Tax implications of IRA rollovers 13:39 The importance of trustee-to-trustee transfers 15:04 Option 4: Cash out your 401(k) 16:03 Consequences of cashing out: taxes and penalties 17:02 Common mistakes to avoid with old 401(k)s 22:39 Key questions before moving your 401(k) 23:37 Consult a professional for personalized advice

]]>https://Info33j.podbean.com/e/what-to-do-with-an-old-401k/Info33j.podbean.com/540a1e77-0202-3acd-8943-51555d584a51Fri, 17 Jul 2026 12:00:00 GMT<p>Leaving a job doesn't mean you should forget about your retirement savings. If you have an old 401(k), you have options—but choosing the wrong one could lead to unnecessary taxes, missed investment opportunities, or costly mistakes. Dr. April Murdaugh walks through the four primary options for an old 401(k), explaining the advantages and disadvantages of each. She also covers common rollover mistakes, important tax considerations, beneficiary updates, and why making emotional decisions during a career transition can have long-term consequences. Whether you've changed jobs once or several times, this episode will help you make a more informed decision about one of your most important retirement assets.</p> <p>Key Takeaways:</p> <ul> <li> <p>The four options you have for an old 401(k) and when each one may make sense</p> </li> <li> <p>Common rollover mistakes that can trigger taxes and penalties</p> </li> <li> <p>Why your old 401(k) should be part of your overall retirement strategy—not just another forgotten account</p> </li> </ul> <p>Call to Schedule your consultation with Dr. April Murdaugh: 904-753-5250</p> <p>Connect with Dr. April Murdaugh: <a href="https://www.facebook.com/W2WFinancial" rel="noopener noreferrer nofollow">@W2WFinancial</a> on Facebook </p> <p>Join the Facebook Group: <a href="https://www.facebook.com/groups/1553261436051968/" rel="noopener noreferrer nofollow">Prosperous Women Collective</a></p> <p>Chapters</p> <p>00:00 Introduction to managing old 401(k) accounts 00:55 Why many Americans have multiple old retirement accounts 01:24 Option 1: Leave it in the former employer’s plan 02:23 Advantages of leaving your 401(k) in the old plan 03:10 Disadvantages of leaving it in the old plan 04:35 Option 2: Roll over into your new employer’s 401(k) 05:56 Benefits of consolidating into a new 401(k) 06:23 Using the backdoor Roth strategy with rollovers 07:50 Understanding Roth IRA conversions and benefits 09:17 Disadvantages of rolling into a new 401(k) 10:14 Option 3: Roll over into an IRA 11:13 Types of IRAs: Traditional vs Roth 12:40 Tax implications of IRA rollovers 13:39 The importance of trustee-to-trustee transfers 15:04 Option 4: Cash out your 401(k) 16:03 Consequences of cashing out: taxes and penalties 17:02 Common mistakes to avoid with old 401(k)s 22:39 Key questions before moving your 401(k) 23:37 Consult a professional for personalized advice</p> no00:26:2051What To Do With An Old 401K?full<![CDATA[The Power of Image in Negotiation]]>Dr. April talks with Image Presentation & Executive Coach  Linda Yates about negotiating as a C-Suite woman.  Ms. Yates is a former CEO of a fortune 100 company an author, leadership consultant, keynote speaker and host of the IntHerRupt Podcast.  She shares tips that women need when negotiating for a pay or position raise.  Believe it or not your image matters.  Your image boosts your confidence and is an important part of the negotiation process.  Ms. Yates outlines the things women need to prepare to negotiate.

Contact Linda to learn more about her services Email: linda@lhyatesconsulting.com Website: lhyatesconsulting.com

Phone: 561-206-2531.

]]>https://Info33j.podbean.com/e/the-power-of-image-in-negotiation/Info33j.podbean.com/531641bb-2764-37e0-9cdf-c76a8a7fd2a6Mon, 06 Nov 2023 20:36:20 GMT<p>Dr. April talks with Image Presentation &amp; Executive Coach  Linda Yates about negotiating as a C-Suite woman.  Ms. Yates is a former CEO of a fortune 100 company an author, leadership consultant, keynote speaker and host of the IntHerRupt Podcast.  She shares tips that women need when negotiating for a pay or position raise.  Believe it or not your image matters.  Your image boosts your confidence and is an important part of the negotiation process.  Ms. Yates outlines the things women need to prepare to negotiate.</p> <p>Contact Linda to learn more about her services Email: <a href="mailto:linda@lhyatesconsulting.com" rel="noopener noreferrer nofollow">linda@lhyatesconsulting.com</a> Website: lhyatesconsulting.com</p> <p>Phone: 561-206-2531.</p> no00:47:5016The Power of Image in Negotiationfull<![CDATA[Starting Over Financially]]>Dr. April shares her story of how she lost everything three times and started over financially. A widow and divorcee, she had her share of financial challenges.  Determined to learn to improve her financial life and share this knowledge with others, she began teaching financial education courses for free in her church and local libraries f After crawling out from a financial mess once again and becoming a college professor, she began her firm Woman To Woman Financial, a wealth management firm that provides women executives, business owners and their families the financial education, encouragement and empowerment needed to gain the financial confidence and create and grow generational wealth.

In this podcast, Dr. April shares the tips she used to overcome her financial challenges and start anew. To learn more about how she works with clients, schedule a financial consultation at: https://calendly.com/w2wfinancial/60min or email her at: Info@womantowomanfinancial.com

 

 

]]>https://Info33j.podbean.com/e/starting-over-financially/Info33j.podbean.com/4e0a044a-acd4-32b2-b50c-298135643f88Mon, 16 Oct 2023 13:00:00 GMT<p>Dr. April shares her story of how she lost everything three times and started over financially. A widow and divorcee, she had her share of financial challenges.  Determined to learn to improve her financial life and share this knowledge with others, she began teaching financial education courses for free in her church and local libraries f After crawling out from a financial mess once again and becoming a college professor, she began her firm Woman To Woman Financial, a wealth management firm that provides women executives, business owners and their families the financial education, encouragement and empowerment needed to gain the financial confidence and create and grow generational wealth.</p> <p>In this podcast, Dr. April shares the tips she used to overcome her financial challenges and start anew. To learn more about how she works with clients, schedule a financial consultation at: <a href="https://calendly.com/w2wfinancial/60min" rel="noopener noreferrer nofollow">https://calendly.com/w2wfinancial/60min</a> or email her at: <a href="mailto:Info@womantowomanfinancial.com" rel="noopener noreferrer nofollow">Info@womantowomanfinancial.com</a></p> <p> </p> <p> </p> no00:47:4613Starting Over Financiallyfull<![CDATA[Financial Intimacy: Why Money Conversations are the New Love Language]]>Money is one of the most emotional topics in our lives—yet it’s often the one couples avoid the most. Dr. April Murdaugh introduces the concept of financial intimacy, explaining that it’s not about how much money you have, but about feeling safe, open, and aligned when talking about money with your partner. Avoiding these conversations may feel easier in the moment, but over time it can quietly create distance, resentment, and mistrust.

Let’s reframe money as a love language. Financial intimacy shows love through care and responsibility—planning for the future, being transparent, setting boundaries, and working toward shared goals. Dr. Murdaugh explains how these actions communicate trust, respect, and commitment, and walks through what healthy financial intimacy looks like, warning signs when it’s missing, and how to begin building it. Alignment, not income, is what strengthens relationships.

Key Takeaways:

  • Why financial intimacy is about emotional safety, not income

  • How money can function as a powerful love language

  • Ways open money conversations build trust and connection

Download the Financial Intimacy Check-In Worksheet 

Call to Schedule your consultation: 904-753-5250

Connect with Dr. April Murdaugh: @W2WFinancial on Facebook 

Join the Facebook Group: Prosperous Women Collective

]]>https://Info33j.podbean.com/e/43-financial-intimacy-why-money-conversations-are-the-new-love-language/Info33j.podbean.com/b692efca-9660-308c-ae5c-d9042c007518Thu, 29 Jan 2026 13:00:00 GMT<p>Money is one of the most emotional topics in our lives—yet it’s often the one couples avoid the most. Dr. April Murdaugh introduces the concept of financial intimacy, explaining that it’s not about how much money you have, but about feeling safe, open, and aligned when talking about money with your partner. Avoiding these conversations may feel easier in the moment, but over time it can quietly create distance, resentment, and mistrust.</p> <p>Let’s reframe money as a love language. Financial intimacy shows love through care and responsibility—planning for the future, being transparent, setting boundaries, and working toward shared goals. Dr. Murdaugh explains how these actions communicate trust, respect, and commitment, and walks through what healthy financial intimacy looks like, warning signs when it’s missing, and how to begin building it. Alignment, not income, is what strengthens relationships.</p> <p>Key Takeaways:</p> <ul> <li> <p>Why financial intimacy is about emotional safety, not income</p> </li> <li> <p>How money can function as a powerful love language</p> </li> <li> <p>Ways open money conversations build trust and connection</p> </li> </ul> <p>Download the <a href="https://acrobat.adobe.com/id/urn:aaid:sc:US:d529f334-b74a-4512-b8d5-bb7ab0d299a8" rel="noopener noreferrer nofollow">Financial Intimacy Check-In Worksheet </a></p> <p>Call to Schedule your consultation: 904-753-5250</p> <p>Connect with Dr. April Murdaugh: <a href="https://www.facebook.com/W2WFinancial" rel="noopener noreferrer nofollow">@W2WFinancial</a> on Facebook </p> <p>Join the Facebook Group: <a href="https://www.facebook.com/groups/1553261436051968/" rel="noopener noreferrer nofollow">Prosperous Women Collective</a></p> no00:26:0643Financial Intimacy: Why Money Conversations are the New Love Languagefull<![CDATA[Women & Money Trauma]]>Want to understand the relationship you have with money?  It could be the result of money trauma.  Past experiences  experiences contribute to one's belief about money.  Traumatic experiences in particular, can be the reason why women may struggle with financial self confidence and avoid it.  We chat with Jules Jean-Pierre, a licensed Mental Health Therapist, Certified in EMDR, and specializing in trauma explains how as women money trauma is real and must be addressed. 

To move past the trauma, we must identify it and develop coping strategies.  Jules works with her clients to do just that.  Connect with her to learn more about the awesome work she does to help people move past their traumas to live the life they deserve. Therapeutic Hope Counseling

]]>https://Info33j.podbean.com/e/women-money-trauma/Info33j.podbean.com/a875331c-9991-3f75-9b25-d5493ab98784Sun, 20 Aug 2023 01:13:18 GMT<p>Want to understand the relationship you have with money?  It could be the result of money trauma.  Past experiences  experiences contribute to one's belief about money.  Traumatic experiences in particular, can be the reason why women may struggle with financial self confidence and avoid it.  We chat with Jules Jean-Pierre, a licensed Mental Health Therapist, Certified in EMDR, and specializing in trauma explains how as women money trauma is real and must be addressed. </p> <p>To move past the trauma, we must identify it and develop coping strategies.  Jules works with her clients to do just that.  Connect with her to learn more about the awesome work she does to help people move past their traumas to live the life they deserve. <a href="https://www.therapeutichopecounseling.com/" rel="noopener noreferrer nofollow">Therapeutic Hope Counseling</a></p> no01:02:5617Women & Money Traumafull<![CDATA[Financial Phoenix: Rising from 111K Debt to Freedom in 2 years]]>Discover the incredible journey of a single woman Shakira Drones who turned her life around by paying off $111,000 in debt in just two years. "This is a podcast that dives deep into the strategies, sacrifices, and mindset shifts that made this financial transformation possible. Shakira offers practical tips, inspiring stories, and expert advice to help you take control of your finances and achieve your own debt-free goals. Whether you're drowning in debt or just looking for financial freedom, join us and be inspired to take action and change your life.

Shakira Drones s the founder of Budget and Heal an organization committed to helping women get out of debt and survival mode At Budget and Heal, "we help women get out of debt and survival mode through financial  literacy, personal development, and accountability.

She offers Financial Coaching and Accountability to women who are serious about changing the trajectory of their financial lives.  To reach her and schedule a financial assessment you can schedule at: Calendly - Shakira Drones

Mention you heard her on the podcast for a complimentary conversation.

 

]]>https://Info33j.podbean.com/e/financial-phoenix-rising-from-111k-debt-to-freedom-in-2-years/Info33j.podbean.com/f6747551-209d-3977-8982-e68284c9071aTue, 06 Aug 2024 13:13:38 GMT<p>Discover the incredible journey of a single woman Shakira Drones who turned her life around by paying off $111,000 in debt in just two years. "This is a podcast that dives deep into the strategies, sacrifices, and mindset shifts that made this financial transformation possible. Shakira offers practical tips, inspiring stories, and expert advice to help you take control of your finances and achieve your own debt-free goals. Whether you're drowning in debt or just looking for financial freedom, join us and be inspired to take action and change your life.</p> <p>Shakira Drones s the founder of Budget and Heal an organization committed to helping women get out of debt and survival mode At Budget and Heal, "we help women get out of debt and survival mode through financial  literacy, personal development, and accountability.</p> <p>She offers Financial Coaching and Accountability to women who are serious about changing the trajectory of their financial lives.  To reach her and schedule a financial assessment you can schedule at: <a href="https://calendly.com/budgetandheal" rel="noopener noreferrer nofollow">Calendly - Shakira Drones</a></p> <p>Mention you heard her on the podcast for a complimentary conversation.</p> <p> </p> no01:18:2421Financial Phoenix: Rising from 111K Debt to Freedom in 2 yearsfull<![CDATA[Finances & The Opioid Epidemic]]>This episode discusses the impact the opioid epidemic has on families and their finances.  Cheryl shares her story of losing her husband to the opioid crisis and how it impacted their financial life.  She shares how the shame and fear of judgment caused her to keep her husband's addiction a secret causing them to lose everything financially, emotionally, and relationally.

Cheryl Canzanella has twenty-four years in the financial services industry and struggled financially because of this crisis.  She now helps advisers in the industry recognize the signs in their clients, ask the right questions, and be a resource for families battling this terrible crisis.

To have Cheryl speak at your event to educate your financial professionals or team, visit her website at: https://cherylcanzanella.com,

]]>https://Info33j.podbean.com/e/finances-opioid-epidemic/Info33j.podbean.com/8f8a7329-cc6e-3956-b0e4-d4c28adb804fTue, 08 Aug 2023 01:46:29 GMT<p>This episode discusses the impact the opioid epidemic has on families and their finances.  Cheryl shares her story of losing her husband to the opioid crisis and how it impacted their financial life.  She shares how the shame and fear of judgment caused her to keep her husband's addiction a secret causing them to lose everything financially, emotionally, and relationally.</p> <p>Cheryl Canzanella has twenty-four years in the financial services industry and struggled financially because of this crisis.  She now helps advisers in the industry recognize the signs in their clients, ask the right questions, and be a resource for families battling this terrible crisis.</p> <p>To have Cheryl speak at your event to educate your financial professionals or team, visit her website at: <a href="https://cherylcanzanella.com" rel="noopener noreferrer nofollow">https://cherylcanzanella.com,</a></p> no00:58:0516Finances & The Opioid Epidemicfull<![CDATA[Navigating the Mortgage Payoff Decision]]>In this podcast, we explore the age-old question: should you pay off your mortgage early?  Delve into the intricacies of mortgage repayment strategies, financial planning insights to help you navigate this critical decision.  Tune in as we weight the pros and cons, debunk myths, and provide guidance to empower you on your journey to financial freedom.

To learn more about Dr. April and how she helps women executives and business owners create and grow generational wealth contact her office at: Info@womantowomanfinancial.com or call 904-753-5250. You may also visit her website at: https://www.womantowomanfinancial.com

 

]]>https://Info33j.podbean.com/e/navigating-the-mortgage-payoff-decision/Info33j.podbean.com/f76df2c3-22e1-3014-834d-ac56e1166376Mon, 15 Apr 2024 11:00:00 GMT<p>In this podcast, we explore the age-old question: should you pay off your mortgage early?  Delve into the intricacies of mortgage repayment strategies, financial planning insights to help you navigate this critical decision.  Tune in as we weight the pros and cons, debunk myths, and provide guidance to empower you on your journey to financial freedom.</p> <p>To learn more about Dr. April and how she helps women executives and business owners create and grow generational wealth contact her office at: <a href="mailto:Info@womantowomanfinancial.com" rel="noopener noreferrer nofollow">Info@womantowomanfinancial.com</a> or call 904-753-5250. You may also visit her website at: <a href="https://www.womantowomanfinancial.com" rel="noopener noreferrer nofollow">https://www.womantowomanfinancial.com</a></p> <p> </p> no00:42:59131Navigating the Mortgage Payoff Decisionfull<![CDATA[Money Mindset: Think & Grow You!]]>This podcast is about changing your mindset regarding money, relationships, business and life! Seven-figure business owner Mr. Chris Felton is our guest. He is one of the few in the country who earn seven figures in the financial services industry.

Today we have a candid conversation about how he overcame his defeatist and victim mindset to build a business where he impacts millions to help them grow themselves, their businesses and overall confidence. Chris speaks from his own experience of being on the edge of financial ruin, business failure, and divorce. He shares the secrets that allowed him to avert the potential disaster and transform all areas of his life.

To contact Chris visit: https://chrisfelton.me/

To purchase his book click: Think & Grow You!

]]>https://Info33j.podbean.com/e/money-mindset-think-grow-you/Info33j.podbean.com/1ed26c34-bfec-3e68-970b-3dd87330f397Fri, 30 Jun 2023 11:19:19 GMT<p>This podcast is about changing your mindset regarding money, relationships, business and life! Seven-figure business owner Mr. Chris Felton is our guest. He is one of the few in the country who earn seven figures in the financial services industry.</p> <p>Today we have a candid conversation about how he overcame his defeatist and victim mindset to build a business where he impacts millions to help them grow themselves, their businesses and overall confidence. Chris speaks from his own experience of being on the edge of financial ruin, business failure, and divorce. He shares the secrets that allowed him to avert the potential disaster and transform all areas of his life.</p> <p>To contact Chris visit: <a href="https://chrisfelton.me/" rel="noopener noreferrer nofollow">https://chrisfelton.me/</a></p> <p>To purchase his book click: <a href="https://www.amazon.com/Think-Grow-You-Your-Level/dp/1666400181/ref=sr_1_1?crid=3GL3LBM4W18KA&amp;keywords=think+and+grow+you&amp;qid=1688123815&amp;sprefix=think+and+grow+you%2Caps%2C205&amp;sr=8-1" rel="noopener noreferrer nofollow">Think &amp; Grow You!</a></p> no01:01:1613Money Mindset: Think & Grow You!full<![CDATA[Get Started Investing]]>In this episode Dr. Murdaugh discusses simple ways to begin investing.  She outlines the types of investment accounts, employer and individual plans; how they function and how to gain access.  An easy to understand episode on a complex topic. 

If you need assistance beginning the investment journey, contact her at Info@WomanToWomanFinancial.com or call 904-753-5250 for a complimentary consultation.  

]]>https://Info33j.podbean.com/e/get-started-investing/Info33j.podbean.com/def34d6a-4a0f-370a-bbd9-713afa097e63Fri, 01 Sep 2023 13:00:00 GMT<p>In this episode Dr. Murdaugh discusses simple ways to begin investing.  She outlines the types of investment accounts, employer and individual plans; how they function and how to gain access.  An easy to understand episode on a complex topic. </p> <p>If you need assistance beginning the investment journey, contact her at <a href="mailto:Info@WomanToWomanFinancial.com" rel="noopener noreferrer nofollow">Info@WomanToWomanFinancial.com</a> or call 904-753-5250 for a complimentary consultation.  </p> no00:38:528Get Started Investingfull<![CDATA[Broke No More: Healing Money Shame]]>Broke No More: Healing Money Shame with Melisa Alaba.

]]>https://Info33j.podbean.com/e/broke-no-more-healing-money-shame/Info33j.podbean.com/de0701d1-61b8-38bd-b948-99a8ceca025dMon, 19 Feb 2024 12:00:00 GMT<p>Broke No More: Healing Money Shame with Melisa Alaba.</p> no00:53:33124Broke No More: Healing Money Shamefull<![CDATA[Welcome to Becoming A Financially Confident Woman!]]>Welcome to the Becoming A Financially Confident Woman podcast!  This podcast is for women and those who self-identify as such, to get the education, empowerment, and encouragement to become financially confident.  

The topics include wealth, health, family, lifestyle, faith, relationships and so much more.  I am Dr. April Murdaugh, CEO and Founder of Woman To Woman Financial a virtual wealth management firm based in Jacksonville, Florida.  

 

]]>https://Info33j.podbean.com/e/welcome-to-becoming-a-financially-confident-woman/Info33j.podbean.com/0f20dc8e-85f3-335b-8509-bbb01a7a771bSun, 11 Jun 2023 17:59:43 GMT<p>Welcome to the Becoming A Financially Confident Woman podcast!  This podcast is for women and those who self-identify as such, to get the education, empowerment, and encouragement to become financially confident.  </p> <p>The topics include wealth, health, family, lifestyle, faith, relationships and so much more.  I am Dr. April Murdaugh, CEO and Founder of Woman To Woman Financial a virtual wealth management firm based in Jacksonville, Florida.  </p> <p> </p> no00:02:111Welcome to Becoming A Financially Confident Woman!full<![CDATA[Why Life Insurance for Children Matters]]>Dr. April explores an extremely sensitive topic among parents.  A single mother herself, she provides five key reasons why life insurance for your children matters.  Many parents have group term life insurance for their children through their employer.  Job changes and layoffs are the reasons why she encourages families purchase life insurance outside of work for themselves and their minor children.  

Listen as she outlines and explains the reasons why you should purchase this important coverage especially for your minor children. 

To learn if the strategies outlined in the podcast are for your, schedule a complimentary financial consultation at: https://calendly.com/w2wfinancial/life-insurance-consultation Email: Info@womantowomanfinancial.com or call 904-753-5250.  Website: www.womantowomanfinancial.com

 

]]>https://Info33j.podbean.com/e/why-life-insurance-for-children-matters/Info33j.podbean.com/6141e906-a538-36c3-8dbb-f1be0d61f885Mon, 30 Oct 2023 13:00:00 GMT<p>Dr. April explores an extremely sensitive topic among parents.  A single mother herself, she provides five key reasons why life insurance for your children matters.  Many parents have group term life insurance for their children through their employer.  Job changes and layoffs are the reasons why she encourages families purchase life insurance outside of work for themselves and their minor children.  </p> <p>Listen as she outlines and explains the reasons why you should purchase this important coverage especially for your minor children. </p> <p>To learn if the strategies outlined in the podcast are for your, schedule a complimentary financial consultation at: <a href="https://calendly.com/w2wfinancial/life-insurance-consultation" rel="noopener noreferrer nofollow">https://calendly.com/w2wfinancial/life-insurance-consultation</a> Email: <a href="mailto:Info@womantowomanfinancial.com" rel="noopener noreferrer nofollow">Info@womantowomanfinancial.com</a> or call 904-753-5250.  Website: <a href="http://www.womantowomanfinancial.com" rel="noopener noreferrer nofollow">www.womantowomanfinancial.com</a></p> <p> </p> no00:27:5515Why Life Insurance for Children Mattersfull<![CDATA[5 Biggest Social Security Mistakes Women Make]]>The age you choose to start claiming Social Security can impact your income for the rest of your life. Yet many women make this important decision based on fear, misinformation, or incomplete planning. Dr. April Murdaugh breaks down the five biggest Social Security mistakes women make, including claiming benefits too early, overlooking divorce and survivor benefits, and failing to coordinate Social Security with an overall retirement income strategy. She also explains why women face unique retirement challenges—from longer life expectancies to career interruptions—and shares practical guidance to help you maximize one of your most valuable retirement benefits.

Key Takeaways:

  • The 5 biggest Social Security mistakes women make—and how to avoid them

  • Why the age you claim benefits can affect your retirement income for life

  • How divorce benefits, survivor benefits, and thoughtful retirement planning can help you maximize your Social Security income

Call to Schedule your consultation with Dr. April Murdaugh: 904-753-5250

Join the 4 Week Wealth Intensive 

Connect with Dr. April Murdaugh: @W2WFinancial on Facebook 

Join the Facebook Group: Prosperous Women Collective

Chapters

00:00 Introduction to Social Security Mistakes 02:53 Claiming Social Security Too Early 05:46 Understanding Longevity and Its Impact 09:00 Divorce Spouse Benefits Explained 11:53 Survivor's Benefits and Their Importance 14:48 Integrating Social Security into Retirement Planning

]]>https://Info33j.podbean.com/e/5-biggest-social-security-mistakes-women-make/Info33j.podbean.com/5969e40c-def2-3053-a880-95d042e74f2aFri, 03 Jul 2026 12:00:00 GMT<p>The age you choose to start claiming Social Security can impact your income for the rest of your life. Yet many women make this important decision based on fear, misinformation, or incomplete planning. Dr. April Murdaugh breaks down the five biggest Social Security mistakes women make, including claiming benefits too early, overlooking divorce and survivor benefits, and failing to coordinate Social Security with an overall retirement income strategy. She also explains why women face unique retirement challenges—from longer life expectancies to career interruptions—and shares practical guidance to help you maximize one of your most valuable retirement benefits.</p> <p>Key Takeaways:</p> <ul> <li> <p>The 5 biggest Social Security mistakes women make—and how to avoid them</p> </li> <li> <p>Why the age you claim benefits can affect your retirement income for life</p> </li> <li> <p>How divorce benefits, survivor benefits, and thoughtful retirement planning can help you maximize your Social Security income</p> </li> </ul> <p>Call to Schedule your consultation with Dr. April Murdaugh: 904-753-5250</p> <p><a href="https://www.womantowomanfinancial.com/Events.7.htm" rel="noopener noreferrer nofollow">Join the 4 Week Wealth Intensive </a></p> <p>Connect with Dr. April Murdaugh: <a href="https://www.facebook.com/W2WFinancial" rel="noopener noreferrer nofollow">@W2WFinancial</a> on Facebook </p> <p>Join the Facebook Group: <a href="https://www.facebook.com/groups/1553261436051968/" rel="noopener noreferrer nofollow">Prosperous Women Collective</a></p> <p>Chapters</p> <p>00:00 Introduction to Social Security Mistakes 02:53 Claiming Social Security Too Early 05:46 Understanding Longevity and Its Impact 09:00 Divorce Spouse Benefits Explained 11:53 Survivor's Benefits and Their Importance 14:48 Integrating Social Security into Retirement Planning</p> no00:18:11505 Biggest Social Security Mistakes Women Makefull<![CDATA[The Cost of Being the “Ride or Die”: When Loyalty Becomes Financial Self-Sabotage]]>Loyalty and support are often praised as proof of love, but when emotional investment turns into financial self-sacrifice, the long-term cost can be significant. Dr. April Murdaugh explores what happens when women financially underwrite a partner’s dreams—co-signing loans, funding businesses, or pausing their own financial goals—only to be left rebuilding their own stability. She explains how opportunity cost, credit exposure, missed retirement growth, and power imbalances can quietly impact future wealth and security.

Let’s reframe loyalty through a lens of financial wisdom. Dr. Murdaugh shares practical protection strategies, including maintaining separate accounts, avoiding co-signing, using written agreements for investments, safeguarding retirement contributions, and protecting emergency funds. She reminds women that you can believe in someone without financially underwriting their dream—and that true partnership respects boundaries, shared responsibility, and long-term security.

Key Takeaways:

  • Why financial self-abandonment is not the same as loyalty

  • Hidden costs of funding a partner’s vision without protection

  • Boundaries and safeguards that protect your future and peace

Call to Schedule your consultation: 904-753-5250

Connect with Dr. April Murdaugh: @W2WFinancial on Facebook 

Join the Facebook Group: Prosperous Women Collective

]]>https://Info33j.podbean.com/e/the-cost-of-being-the-ride-or-die-when-loyalty-becomes-financial-self-sabotage/Info33j.podbean.com/ce9c6c9f-3632-3d8a-9a2c-3ac6747646a3Fri, 20 Feb 2026 13:00:00 GMT<p>Loyalty and support are often praised as proof of love, but when emotional investment turns into financial self-sacrifice, the long-term cost can be significant. Dr. April Murdaugh explores what happens when women financially underwrite a partner’s dreams—co-signing loans, funding businesses, or pausing their own financial goals—only to be left rebuilding their own stability. She explains how opportunity cost, credit exposure, missed retirement growth, and power imbalances can quietly impact future wealth and security.</p> <p>Let’s reframe loyalty through a lens of financial wisdom. Dr. Murdaugh shares practical protection strategies, including maintaining separate accounts, avoiding co-signing, using written agreements for investments, safeguarding retirement contributions, and protecting emergency funds. She reminds women that you can believe in someone without financially underwriting their dream—and that true partnership respects boundaries, shared responsibility, and long-term security.</p> <p>Key Takeaways:</p> <ul> <li> <p>Why financial self-abandonment is not the same as loyalty</p> </li> <li> <p>Hidden costs of funding a partner’s vision without protection</p> </li> <li> <p>Boundaries and safeguards that protect your future and peace</p> </li> </ul> <p>Call to Schedule your consultation: 904-753-5250</p> <p>Connect with Dr. April Murdaugh: <a href="https://www.facebook.com/W2WFinancial" rel="noopener noreferrer nofollow">@W2WFinancial</a> on Facebook </p> <p>Join the Facebook Group: <a href="https://www.facebook.com/groups/1553261436051968/" rel="noopener noreferrer nofollow">Prosperous Women Collective</a></p> no00:21:5145The Cost of Being the “Ride or Die”: When Loyalty Becomes Financial Self-Sabotagefull<![CDATA[Strategies for Divorce & Home Ownership with Candice Sturgis]]>Dr. April chats with mortgage expert Mrs. Candice Sturgis.  Candice is a mortgage expert at Main Street Home Loans.  She works with first time homebuyers, divorcees, real estate investors and others to educate and assist them in the mortgage lending process. She has decades of experience in banking, finance, and the mortgage industry.

Listen as we delve into the complex world of divorce and home ownership. Join us as we explore the intricacies of untangling shared mortgages, navigating refinancing options, and understanding the legal and financial implications of dividing property during divorce proceedings.

Candice  provides practical insights and strategies to help divorcing couples navigate this challenging terrain and make informed decisions about their mortgages and future home ownership. Whether you're facing divorce or supporting someone who is, this podcast equips you with the knowledge and resources to navigate the intersection of mortgages and divorce with confidence and clarity.

  To discuss your mortgage options you may contact Candice at: csturgis@mainstreethl.com or visit her website at www.CandiceSturgis.com or call 904-490-9201 ext. 701         ]]>https://Info33j.podbean.com/e/strategies-for-divorce-home-ownership-with-candice-sturgis/Info33j.podbean.com/af159c25-1946-36f9-bf15-7018c3d6633aThu, 11 Apr 2024 15:32:51 GMT <p>Dr. April chats with mortgage expert Mrs. Candice Sturgis.  Candice is a mortgage expert at Main Street Home Loans.  She works with first time homebuyers, divorcees, real estate investors and others to educate and assist them in the mortgage lending process. She has decades of experience in banking, finance, and the mortgage industry.</p> <p>Listen as we delve into the complex world of divorce and home ownership. Join us as we explore the intricacies of untangling shared mortgages, navigating refinancing options, and understanding the legal and financial implications of dividing property during divorce proceedings.</p> <p>Candice  provides practical insights and strategies to help divorcing couples navigate this challenging terrain and make informed decisions about their mortgages and future home ownership. Whether you're facing divorce or supporting someone who is, this podcast equips you with the knowledge and resources to navigate the intersection of mortgages and divorce with confidence and clarity.</p>   To discuss your mortgage options you may contact Candice at: <a href="mailto:csturgis@mainstreethl.com" rel="noopener noreferrer nofollow">csturgis@mainstreethl.com</a> or visit her website at <a href="http://www.CandiceSturgis" rel="noopener noreferrer nofollow">www.CandiceSturgis.com </a>or call 904-490-9201 ext. 701         no00:51:53130Strategies for Divorce & Home Ownership with Candice Sturgisfull<![CDATA[Tithing Fear and My Journey to Financial Peace]]>Tithing is one of the most personal and sometimes controversial topics in both faith and finances. In this honest conversation, Dr. April Murdaugh shares her personal journey with tithing, the fear and guilt she carried for years, and how her perspective evolved through life experiences, financial struggles, business ownership, and a deeper understanding of her relationship with God. This isn't a theological debate or financial advice—it's a personal story about generosity, stewardship, faith, and finding peace when money and spirituality intersect. Because of her own journey, Dr. Murdaugh also explains why she would never judge a client for how they choose to approach tithing, giving, or faith-based financial decisions. Instead, she encourages listeners to reflect on the difference between giving out of fear and giving out of gratitude, while exploring what stewardship, generosity, and a relationship with God truly mean to them.

Key Takeaways:

  • The difference between giving from fear and giving from gratitude

  • Why Dr. Murdaugh believes financial decisions rooted in faith should never be met with judgment

  • How stewardship, generosity, and relationship can coexist with financial wisdom

Call to Schedule your consultation: 904-753-5250

Join the 4 Week Wealth Intensive 

Connect with Dr. April Murdaugh: @W2WFinancial on Facebook 

Join the Facebook Group: Prosperous Women Collective

]]>https://Info33j.podbean.com/e/tithing-fear-and-my-journey-to-financial-peace/Info33j.podbean.com/63d6dd5b-f188-3324-95e3-a479164504acFri, 12 Jun 2026 14:20:49 GMT<p>Tithing is one of the most personal and sometimes controversial topics in both faith and finances. In this honest conversation, Dr. April Murdaugh shares her personal journey with tithing, the fear and guilt she carried for years, and how her perspective evolved through life experiences, financial struggles, business ownership, and a deeper understanding of her relationship with God. This isn't a theological debate or financial advice—it's a personal story about generosity, stewardship, faith, and finding peace when money and spirituality intersect. Because of her own journey, Dr. Murdaugh also explains why she would never judge a client for how they choose to approach tithing, giving, or faith-based financial decisions. Instead, she encourages listeners to reflect on the difference between giving out of fear and giving out of gratitude, while exploring what stewardship, generosity, and a relationship with God truly mean to them.</p> <p>Key Takeaways:</p> <ul> <li> <p>The difference between giving from fear and giving from gratitude</p> </li> <li> <p>Why Dr. Murdaugh believes financial decisions rooted in faith should never be met with judgment</p> </li> <li> <p>How stewardship, generosity, and relationship can coexist with financial wisdom</p> </li> </ul> <p>Call to Schedule your consultation: 904-753-5250</p> <p><a href="https://www.womantowomanfinancial.com/Events.7.htm" rel="noopener noreferrer nofollow">Join the 4 Week Wealth Intensive </a></p> <p>Connect with Dr. April Murdaugh: <a href="https://www.facebook.com/W2WFinancial" rel="noopener noreferrer nofollow">@W2WFinancial</a> on Facebook </p> <p>Join the Facebook Group: <a href="https://www.facebook.com/groups/1553261436051968/" rel="noopener noreferrer nofollow">Prosperous Women Collective</a></p> no00:31:4947Tithing Fear and My Journey to Financial Peacefull<![CDATA[Put Yourself First: The Pay Yourself First Plan]]>In this episode of Pay Yourself First, Dr. April explores the dual concept of paying your current self and paying your future self—a balanced approach to managing money that prioritizes both your immediate needs and long-term goals.

She breaks down how paying your current self means allocating funds for essentials, self-care, and experiences that enrich your life today, while paying your future self focuses on building savings, investments, and financial security for tomorrow. With actionable strategies and relatable examples, this episode will inspire you to create a financial plan that honors both your present and future, ensuring you thrive in every stage of your financial journey.

 

For more information about Woman To Woman Financial visit: www.womantowomanfinancial.com

To schedule a complimentary Discovery Call visit: https://calendly.com/w2wfinancial/15-minute-one-2-one

 

]]>https://Info33j.podbean.com/e/put-yourself-first-the-pay-yourself-first-plan/Info33j.podbean.com/55c130cf-75af-3820-8d5e-b6d437c1f7acWed, 27 Nov 2024 00:15:14 GMT<p>In this episode of Pay Yourself First, Dr. April explores the dual concept of paying your current self and paying your future self—a balanced approach to managing money that prioritizes both your immediate needs and long-term goals.</p> <p>She breaks down how paying your current self means allocating funds for essentials, self-care, and experiences that enrich your life today, while paying your future self focuses on building savings, investments, and financial security for tomorrow. With actionable strategies and relatable examples, this episode will inspire you to create a financial plan that honors both your present and future, ensuring you thrive in every stage of your financial journey.</p> <p> </p> <p>For more information about Woman To Woman Financial visit: <a href="http://www.womantowomanfinancial.com" rel="noopener noreferrer nofollow">www.womantowomanfinancial.com</a></p> <p>To schedule a complimentary Discovery Call visit: <a href="https://calendly.com/w2wfinancial/15-minute-one-2-one" rel="noopener noreferrer nofollow">https://calendly.com/w2wfinancial/15-minute-one-2-one</a></p> <p> </p> no00:24:2821Put Yourself First: The Pay Yourself First Planfull<![CDATA[Starting Over at Any Age: Money Rules for Divorce, Widowhood & New Beginnings]]>Starting over after divorce, widowhood, or a major life transition can feel overwhelming—but it is not the end of your story. Dr. April Murdaugh offers guidance for women who are rebuilding emotionally and financially, reminding listeners that starting over is a pivot, not a failure, and that clarity creates confidence.

This episode walks through practical steps to help women regain stability and direction, including gathering key financial documents, understanding cash flow and credit, creating an emergency fund, and setting boundaries in this new season of life. Dr. Murdaugh also shares encouragement for navigating grief, identity shifts, and fear while creating a financial plan rooted in peace, wisdom, and long-term security. 

Key Takeaways:

  • Why starting over is a new season, not a personal failure

  • Financial steps to regain control and rebuild with confidence

              Create your profile on SSA.gov for social security statements

              Know where your Insurance information is for medical, car,                  life, etc.

              Hard copy of your Death, Birth, Marriage cert.

              Hard copy of your Will, POA, Divorce Decree, Estate Plan

              Use LastPass for password for you and loved ones in your                    absence

              Get your free credit report at annualcreditreport.com

  • How boundaries and planning protect your future and peace

Call to Schedule your consultation: 904-753-5250

Connect with Dr. April Murdaugh: @W2WFinancial on Facebook 

Join the Facebook Group: Prosperous Women Collective

 

]]>https://Info33j.podbean.com/e/starting-over-at-any-age-money-rules-for-divorce-widowhood-new-beginnings/Info33j.podbean.com/38a4eebb-9478-396e-80dd-1be35f9b2aadThu, 25 Dec 2025 13:00:00 GMT<p>Starting over after divorce, widowhood, or a major life transition can feel overwhelming—but it is not the end of your story. Dr. April Murdaugh offers guidance for women who are rebuilding emotionally and financially, reminding listeners that starting over is a pivot, not a failure, and that clarity creates confidence.</p> <p>This episode walks through practical steps to help women regain stability and direction, including gathering key financial documents, understanding cash flow and credit, creating an emergency fund, and setting boundaries in this new season of life. Dr. Murdaugh also shares encouragement for navigating grief, identity shifts, and fear while creating a financial plan rooted in peace, wisdom, and long-term security. </p> <p>Key Takeaways:</p> <ul> <li> <p>Why starting over is a new season, not a personal failure</p> </li> <li> <p>Financial steps to regain control and rebuild with confidence</p> </li> </ul> <p>              Create your profile on <a href="http://ssa.gov/" rel="noopener noreferrer nofollow">SSA.gov</a> for social security statements</p> <p>              Know where your Insurance information is for medical, car,                  life, etc.</p> <p>              Hard copy of your Death, Birth, Marriage cert.</p> <p>              Hard copy of your Will, POA, Divorce Decree, Estate Plan</p> <p>              Use LastPass for password for you and loved ones in your                    absence</p> <p>              Get your free credit report at <a href="http://annualcreditreport.com/" rel="noopener noreferrer nofollow">annualcreditreport.com</a></p> <ul> <li> <p>How boundaries and planning protect your future and peace</p> </li> </ul> <p>Call to Schedule your consultation: 904-753-5250</p> <p>Connect with Dr. April Murdaugh: <a href="https://www.facebook.com/W2WFinancial" rel="noopener noreferrer nofollow">@W2WFinancial</a> on Facebook </p> <p>Join the Facebook Group: <a href="https://www.facebook.com/groups/1553261436051968/" rel="noopener noreferrer nofollow">Prosperous Women Collective</a></p> <p> </p> no00:37:5041Starting Over at Any Age: Money Rules for Divorce, Widowhood & New Beginningsfull<![CDATA[Why Smart Women Feel Insecure About Money]]>Have you ever looked at your finances and thought, "I should have figured this out by now"? If so, you're not alone. Dr. April Murdaugh explores why so many intelligent, successful, high-achieving women still feel insecure about money. From financial trauma and comparison to social media, to being the first in the family to build wealth, she explains why financial confidence has very little to do with intelligence or income. Dr. Murdaugh shares her own struggles with money anxiety, the lessons she's learning through coaching, and the simple systems that have helped her create more peace and confidence around money. Most importantly, she reminds listeners that financial confidence doesn't come from having more money—it comes from trusting yourself with the money you already have.

Key Takeaways:

  • Why smart, successful women often struggle with money insecurity

  • How comparison, financial trauma, and lack of clarity can destroy confidence

  • Practical ways to build financial confidence through systems, self-awareness, and small actions that create lasting peace

Chapters

00:00 Understanding Financial Insecurity in Smart Women 04:47 The Impact of Financial Trauma 09:52 The Illusion of High Income 15:01 Building Financial Confidence Through Systems 20:07 Taking Action to Build Confidence

Call to Schedule your consultation with Dr. April Murdaugh: 904-753-5250

Join the 4 Week Wealth Intensive 

Connect with Dr. April Murdaugh: @W2WFinancial on Facebook 

Join the Facebook Group: Prosperous Women Collective

 

]]>https://Info33j.podbean.com/e/49-why-smart-women-feel-insecure-about-money/Info33j.podbean.com/b119d414-43e4-39db-96f5-8ffee690fa55Fri, 26 Jun 2026 12:00:00 GMT<p>Have you ever looked at your finances and thought, "I should have figured this out by now"? If so, you're not alone. Dr. April Murdaugh explores why so many intelligent, successful, high-achieving women still feel insecure about money. From financial trauma and comparison to social media, to being the first in the family to build wealth, she explains why financial confidence has very little to do with intelligence or income. Dr. Murdaugh shares her own struggles with money anxiety, the lessons she's learning through coaching, and the simple systems that have helped her create more peace and confidence around money. Most importantly, she reminds listeners that financial confidence doesn't come from having more money—it comes from trusting yourself with the money you already have.</p> <p>Key Takeaways:</p> <ul> <li> <p>Why smart, successful women often struggle with money insecurity</p> </li> <li> <p>How comparison, financial trauma, and lack of clarity can destroy confidence</p> </li> <li>Practical ways to build financial confidence through systems, self-awareness, and small actions that create lasting peace</li> </ul> <p>Chapters</p> <p>00:00 Understanding Financial Insecurity in Smart Women 04:47 The Impact of Financial Trauma 09:52 The Illusion of High Income 15:01 Building Financial Confidence Through Systems 20:07 Taking Action to Build Confidence</p> <p>Call to Schedule your consultation with Dr. April Murdaugh: 904-753-5250</p> <p><a href="https://www.womantowomanfinancial.com/Events.7.htm" rel="noopener noreferrer nofollow">Join the 4 Week Wealth Intensive </a></p> <p>Connect with Dr. April Murdaugh: <a href="https://www.facebook.com/W2WFinancial" rel="noopener noreferrer nofollow">@W2WFinancial</a> on Facebook </p> <p>Join the Facebook Group: <a href="https://www.facebook.com/groups/1553261436051968/" rel="noopener noreferrer nofollow">Prosperous Women Collective</a></p> <p> </p> no00:27:1649Why Smart Women Feel Insecure About Moneyfull<![CDATA[Navigating Divorce with Minor Children]]>Show Notes:

Divorce is one of the most emotionally exhausting experiences a woman can face, and Dr. April Murdaugh knows that firsthand. Having walked through divorce herself, she understands the temptation to settle, give things up, and just make the pain stop. The challenge is that she continues to see women from every financial background—from stay-at-home moms to high-earning professionals—make the same costly mistakes because they're overwhelmed, exhausted, and ready for relief. In this conversation, Dr. Murdaugh shares the five most common mistakes she sees women make when navigating divorce with minor children, from rushing settlements and overlooking important financial details to putting children in the middle of adult conflict and failing to plan for life after divorce. Her message is simple but powerful: the comfort of ending the conflict today can create financial struggle tomorrow. By slowing down, understanding the numbers, and protecting both your future and your children's stability, you can move through this season with greater confidence, clarity, and peace.

Key Takeaways:

  • The 5 most common mistakes women make during divorce with minor children

  • Why rushing to end the pain can lead to costly long-term financial consequences

  • How to protect your future while creating stability for your children

Call to Schedule your consultation: 904-753-5250

Connect with Dr. April Murdaugh: @W2WFinancial on Facebook 

Join the Facebook Group: Prosperous Women Collective

]]>https://Info33j.podbean.com/e/46-navigating-divorce-with-minor-children/Info33j.podbean.com/a6caaf35-4c47-3304-81cf-0fe57484f105Fri, 29 May 2026 13:50:35 GMT<p>Show Notes:</p> <p>Divorce is one of the most emotionally exhausting experiences a woman can face, and Dr. April Murdaugh knows that firsthand. Having walked through divorce herself, she understands the temptation to settle, give things up, and just make the pain stop. The challenge is that she continues to see women from every financial background—from stay-at-home moms to high-earning professionals—make the same costly mistakes because they're overwhelmed, exhausted, and ready for relief. In this conversation, Dr. Murdaugh shares the five most common mistakes she sees women make when navigating divorce with minor children, from rushing settlements and overlooking important financial details to putting children in the middle of adult conflict and failing to plan for life after divorce. Her message is simple but powerful: the comfort of ending the conflict today can create financial struggle tomorrow. By slowing down, understanding the numbers, and protecting both your future and your children's stability, you can move through this season with greater confidence, clarity, and peace.</p> <p>Key Takeaways:</p> <ul> <li> <p>The 5 most common mistakes women make during divorce with minor children</p> </li> <li> <p>Why rushing to end the pain can lead to costly long-term financial consequences</p> </li> <li> <p>How to protect your future while creating stability for your children</p> </li> </ul> <p>Call to Schedule your consultation: 904-753-5250</p> <p>Connect with Dr. April Murdaugh: <a href="https://www.facebook.com/W2WFinancial" rel="noopener noreferrer nofollow">@W2WFinancial</a> on Facebook </p> <p>Join the Facebook Group: <a href="https://www.facebook.com/groups/1553261436051968/" rel="noopener noreferrer nofollow">Prosperous Women Collective</a></p> no00:34:4246Navigating Divorce with Minor Childrenfull<![CDATA[Creating a New Money Mindset]]>Many women have negative beliefs and shame about money their relationship with money, and where they are financially.  Dr. April talks with Sophia Hyde, Certified Master Coach with Ziglar, Inc, a leader in the personal growth and development space for more than four decades. We discuss the many negative beliefs women have about money and how Sophia works with them to create the life they desire. 

Sophia specializes in teaching courses, workshops, and coaching with one-on-one clients. We discuss how she helps her clients develop new belief systems to help them release their favorite self. She was actually my life coach and has helped me develop new beliefs and use her tool the "Thought Wheel" and the "Life Wheel" to reframe negative feelings and beliefs and begin the process of creating my favorite self. 

She has a podcast aptly titled: Your Favorite Self https://podcasts.apple.com/us/podcast/your-favorite-self/id1676464365

To learn more about Sophia visit her website: https://sophiahyde.com/

To schedule a Roadmap Session the first step in her coaching process visit: https://www.faveself.com/coaching-options

]]>https://Info33j.podbean.com/e/creating-a-new-money-mindset/Info33j.podbean.com/77efba3c-5438-30b6-83dd-0fc337ce4321Mon, 18 Sep 2023 13:00:00 GMT<p>Many women have negative beliefs and shame about money their relationship with money, and where they are financially.  Dr. April talks with Sophia Hyde, Certified Master Coach with Ziglar, Inc, a leader in the personal growth and development space for more than four decades. We discuss the many negative beliefs women have about money and how Sophia works with them to create the life they desire. </p> <p>Sophia specializes in teaching courses, workshops, and coaching with one-on-one clients. We discuss how she helps her clients develop new belief systems to help them release their favorite self. She was actually my life coach and has helped me develop new beliefs and use her tool the "Thought Wheel" and the "Life Wheel" to reframe negative feelings and beliefs and begin the process of creating my favorite self. </p> <p>She has a podcast aptly titled: Your Favorite Self <a href="https://podcasts.apple.com/us/podcast/your-favorite-self/id1676464365" rel="noopener noreferrer nofollow">https://podcasts.apple.com/us/podcast/your-favorite-self/id1676464365</a></p> <p>To learn more about Sophia visit her website: <a href="https://sophiahyde.com/" rel="noopener noreferrer nofollow">https://sophiahyde.com/</a></p> <p>To schedule a Roadmap Session the first step in her coaching process visit: https://www.faveself.com/coaching-options</p> no01:02:089Creating a New Money Mindsetfull<![CDATA[Turning Financial Setbacks into Comebacks]]>In this deeply personal episode, Dr. April shares her journey of navigating financial mistakes and setbacks, from hitting rock bottom to rebuilding her life with purpose and confidence. She opens up about her struggles, including moments of financial vulnerability, tough decisions, and the emotional toll of money challenges.

Dr. April reflects on the lessons learned along the way and how these experiences shaped her approach to helping other women reclaim their financial power. This episode is a reminder that no matter how big the mistake, a brighter financial future is always within reach.

]]>https://Info33j.podbean.com/e/turning-financial-setbacks-into-comebacks/Info33j.podbean.com/66938bdc-0e22-3a43-a6d6-cfebf3539b29Tue, 21 Jan 2025 17:54:27 GMT <p>In this deeply personal episode, Dr. April shares her journey of navigating financial mistakes and setbacks, from hitting rock bottom to rebuilding her life with purpose and confidence. She opens up about her struggles, including moments of financial vulnerability, tough decisions, and the emotional toll of money challenges.</p> <p>Dr. April reflects on the lessons learned along the way and how these experiences shaped her approach to helping other women reclaim their financial power. This episode is a reminder that no matter how big the mistake, a brighter financial future is always within reach.</p> no00:28:4262Turning Financial Setbacks into Comebacksfull<![CDATA[Single, Secure, and Still Worthy of Love]]>As Valentine’s Day approaches, Dr. April Murdaugh reminds women that singleness is a season, not a definition—and being single does not determine your worth. She encourages listeners to release pressure, stop comparing timelines, and choose alignment over attachment, seeing this season as an opportunity for clarity, confidence, and self-respect. This conversation reinforces that independence and emotional openness can coexist, and that peace, standards, and alignment matter more than forcing a relationship to fit a season you’ve outgrown.

Key Takeaways:

  • Singleness is a season, not a reflection of your value

  • Being single does not define your worth or your future

  • Alignment over attachment leads to healthier relationships

Call to Schedule your consultation: 904-753-5250

Connect with Dr. April Murdaugh: @W2WFinancial on Facebook 

Join the Facebook Group: Prosperous Women Collective

]]>https://Info33j.podbean.com/e/single-secure-and-still-worthy-of-love/Info33j.podbean.com/d088a6c5-f752-32e2-bc3a-114b9150ccddFri, 13 Feb 2026 13:00:00 GMT<p>As Valentine’s Day approaches, Dr. April Murdaugh reminds women that singleness is a season, not a definition—and being single does not determine your worth. She encourages listeners to release pressure, stop comparing timelines, and choose alignment over attachment, seeing this season as an opportunity for clarity, confidence, and self-respect. This conversation reinforces that independence and emotional openness can coexist, and that peace, standards, and alignment matter more than forcing a relationship to fit a season you’ve outgrown.</p> <p>Key Takeaways:</p> <ul> <li> <p>Singleness is a season, not a reflection of your value</p> </li> <li> <p>Being single does not define your worth or your future</p> </li> <li> <p>Alignment over attachment leads to healthier relationships</p> </li> </ul> <p>Call to Schedule your consultation: 904-753-5250</p> <p>Connect with Dr. April Murdaugh: <a href="https://www.facebook.com/W2WFinancial" rel="noopener noreferrer nofollow">@W2WFinancial</a> on Facebook </p> <p>Join the Facebook Group: <a href="https://www.facebook.com/groups/1553261436051968/" rel="noopener noreferrer nofollow">Prosperous Women Collective</a></p> no00:33:2444Single, Secure, and Still Worthy of Lovefull<![CDATA[Navigating Tax Season with Confidence, Wendy Barlin, CPA]]>Dr. April talks with CPA and Tax Advisor Wendy Barlin, CPA. Wendy is a personal business manager and financial confidante. Her specialty is taking all the tedious financial chores off the shoulders of busy professionals and business owners so that they can focus on the areas where they excel. she is committed to her clients' success. Whether establishing cost-cutting computer systems, negotiating with their banks or vendors, or analyzing their cash flow, she ensures that all financial decisions lead to greater profits. 

To learn more about how you can work with Wendy email her at :Wendy@wendybarlin.com or call: 310-405-1655

]]>https://Info33j.podbean.com/e/w-2-to-ceo-smart-tax-moves-for-every-professional-journey/Info33j.podbean.com/60b6a595-70a4-38b4-9ce6-60d317a1ea4fThu, 29 Feb 2024 12:00:00 GMT<p>Dr. April talks with CPA and Tax Advisor Wendy Barlin, CPA. Wendy is a personal business manager and financial confidante. Her specialty is taking all the tedious financial chores off the shoulders of busy professionals and business owners so that they can focus on the areas where they excel. she is committed to her clients' success. Whether establishing cost-cutting computer systems, negotiating with their banks or vendors, or analyzing their cash flow, she ensures that all financial decisions lead to greater profits. </p> <p>To learn more about how you can work with Wendy email her at :Wendy@wendybarlin.com or call: 310-405-1655</p> no00:41:10125Navigating Tax Season with Confidence, Wendy Barlin, CPAfull<![CDATA[Black Women & Money Trauma]]>Financial problems typically have roots in lack of education, or some sort of trauma; be it financial abuse, poverty, or fear.  Our guest, CEO/Founder of Therapeutic Hope Counseling, Ms. Jules Jean-Pierre, MA, LMFT, LMHC, a dual licensed clinician; licensed as a Marriage and Family therapist and as a Mental Health Counselor discusses as a clinician, how money traumas impacts our way of managing money and how she helps her clients move beyond the trauma to create the life they desire. 

You do not want to miss this deeply transparent educational conversation.  If you are dealing with trauma and/or abuse of any kind please reach out to your local authorities.  If you would like to talk confidentially to Jules, you can reach her at www.theraputichopecounseling.com  She offers virtual and in person counseling services.  

]]>https://Info33j.podbean.com/e/black-women-money-trauma/Info33j.podbean.com/4ff1adf9-0486-3a24-b4cc-f28666ca4070Fri, 18 Aug 2023 14:00:00 GMT<p>Financial problems typically have roots in lack of education, or some sort of trauma; be it financial abuse, poverty, or fear.  Our guest, CEO/Founder of Therapeutic Hope Counseling, Ms. Jules Jean-Pierre, MA, LMFT, LMHC, a dual licensed clinician; licensed as a Marriage and Family therapist and as a Mental Health Counselor discusses as a clinician, how money traumas impacts our way of managing money and how she helps her clients move beyond the trauma to create the life they desire. </p> <p>You do not want to miss this deeply transparent educational conversation.  If you are dealing with trauma and/or abuse of any kind please reach out to your local authorities.  If you would like to talk confidentially to Jules, you can reach her at <a href="http://www.theraputichopecounseling.com" rel="noopener noreferrer nofollow">www.theraputichopecounseling.com</a>  She offers virtual and in person counseling services.  </p> no01:02:285Black Women & Money Traumafull<![CDATA[You Don’t Want a Cheaper-to-Keep-Him Situation: When You’re the Breadwinner and Still Feel Trapped]]>Many high-earning women find themselves financially successful yet stuck in unhealthy breadwinner marriage dynamics. Dr. April Murdaugh explains how a “cheaper to keep him” situation develops, why money alone doesn’t equal power, and how financial dependence and manipulation can exist even when the woman earns more.

This conversation focuses on financial independence for women, offering clear solutions whether you want to stay in your relationship and rebuild financial transparency or prepare to leave with clarity and confidence. The goal is choice, peace, and control—without fear driving the decision.

Key Takeaways:

  • Signs of a “cheaper to keep him” dynamic in breadwinner marriages

  • Options for staying, rebuilding trust, or planning an exit

  • Why protecting your peace is part of financial confidence

Connect with Dr. April Murdaugh: @W2WFinancial on Facebook 

Join the Facebook Group: Prosperous Women Collective

]]>https://Info33j.podbean.com/e/you-don-t-want-a-cheaper-to-keep-him-situation-when-you-re-the-breadwinner-and-still-feel-trapped/Info33j.podbean.com/f525a6f4-c0d2-340b-98a5-e3e2aa06b586Thu, 18 Dec 2025 12:00:00 GMT<p>Many high-earning women find themselves financially successful yet stuck in unhealthy breadwinner marriage dynamics. Dr. April Murdaugh explains how a “cheaper to keep him” situation develops, why money alone doesn’t equal power, and how financial dependence and manipulation can exist even when the woman earns more.</p> <p>This conversation focuses on financial independence for women, offering clear solutions whether you want to stay in your relationship and rebuild financial transparency or prepare to leave with clarity and confidence. The goal is choice, peace, and control—without fear driving the decision.</p> <p>Key Takeaways:</p> <ul> <li> <p>Signs of a “cheaper to keep him” dynamic in breadwinner marriages</p> </li> <li> <p>Options for staying, rebuilding trust, or planning an exit</p> </li> <li> <p>Why protecting your peace is part of financial confidence</p> </li> </ul> <p>Connect with Dr. April Murdaugh: <a href="https://www.facebook.com/W2WFinancial" rel="noopener noreferrer nofollow">@W2WFinancial</a> on Facebook </p> <p>Join the Facebook Group: <a href="https://www.facebook.com/groups/1553261436051968/" rel="noopener noreferrer nofollow">Prosperous Women Collective</a></p> no00:29:5940You Don’t Want a Cheaper-to-Keep-Him Situation: When You’re the Breadwinner and Still Feel Trappedfull<![CDATA[Don't Leave a Mess Behind! Estate Planning Simplified]]>On this must-listen episode, Dr. April sits down with Ms. Katrina Patterson, Esq. to demystify estate planning and explain why every high-achieving woman needs a solid plan for her future. Whether you're single, married, divorced, or a business owner, estate planning is about more than just a will—it’s about protecting your assets, avoiding probate, and ensuring your wishes are honored.

We discuss: ✅ The must-have estate planning documents for every woman. ✅ The biggest mistakes women make in estate planning. ✅ How estate planning helps build generational wealth. ✅ What happens if you don’t have a plan in place. ✅ The importance of healthcare directives and power of attorney.

Estate planning isn’t just for the wealthy—it’s for anyone who wants to take control of their financial future and protect their loved ones. Tune in for expert insights and actionable steps you can take today!

To connect with Mrs. Patterson for a consultation visit her website

]]>https://Info33j.podbean.com/e/dont-leave-a-mess-behind-estate-planning-simplified/Info33j.podbean.com/5f4028d8-6c86-3b42-93d8-94d35b192132Wed, 12 Feb 2025 20:47:30 GMT<p>On this must-listen episode, Dr. April sits down with Ms. Katrina Patterson, Esq. to demystify estate planning and explain why every high-achieving woman needs a solid plan for her future. Whether you're single, married, divorced, or a business owner, estate planning is about more than just a will—it’s about protecting your assets, avoiding probate, and ensuring your wishes are honored.</p> <p>We discuss: ✅ The must-have estate planning documents for every woman. ✅ The biggest mistakes women make in estate planning. ✅ How estate planning helps build generational wealth. ✅ What happens if you don’t have a plan in place. ✅ The importance of healthcare directives and power of attorney.</p> <p>Estate planning isn’t just for the wealthy—it’s for anyone who wants to take control of their financial future and protect their loved ones. Tune in for expert insights and actionable steps you can take today!</p> <p>To connect with Mrs. Patterson for a consultation visit her <a href="https://www.katrinapattersonlaw.com/" rel="noopener noreferrer nofollow">website</a></p> no01:01:31232Don't Leave a Mess Behind! Estate Planning Simplifiedfull<![CDATA[Love Isn’t Enough: Protecting Your Future with a Prenup with Chris Jackson]]>Dr. April Murdaugh talks with Christopher J. Jackson, Esq., a Jacksonville-based attorney and founder of Christopher J. Jackson Law. Together, they break down what a prenuptial agreement really is — and why it’s less about divorce and more about protection and clarity.

Chris shares how a prenup can safeguard both partners, remove financial tension, and encourage honest conversations about money. They also discuss the difference between marriages of convenience and conviction and why financial transparency builds trust from the start.

If you’ve ever thought prenups were only for the wealthy, this episode will shift your perspective and show how they can protect your love and legacy.

Connect with Christopher J. Jackson, Esq.: cjaxlaw.com

I'd love to Connect too: @W2WFinancial on Facebook 

Join Me at the Whole You Women's Expo

Join the Facebook Group: Prosperous Women Collective

]]>https://Info33j.podbean.com/e/love-isn-t-enough-protecting-your-future-with-a-prenup-with-chris-jackson/Info33j.podbean.com/5caf27ec-b86b-36ce-98c0-8306afc34915Fri, 10 Oct 2025 11:00:00 GMT<p>Dr. April Murdaugh talks with Christopher J. Jackson, Esq., a Jacksonville-based attorney and founder of Christopher J. Jackson Law. Together, they break down what a prenuptial agreement really is — and why it’s less about divorce and more about protection and clarity.</p> <p>Chris shares how a prenup can safeguard both partners, remove financial tension, and encourage honest conversations about money. They also discuss the difference between marriages of convenience and conviction and why financial transparency builds trust from the start.</p> <p>If you’ve ever thought prenups were only for the wealthy, this episode will shift your perspective and show how they can protect your love and legacy.</p> <p>Connect with Christopher J. Jackson, Esq.: <a href="https://cjaxlaw.com" rel="noopener noreferrer nofollow">cjaxlaw.com</a></p> <p>I'd love to Connect too: <a href="https://www.facebook.com/W2WFinancial" rel="noopener noreferrer nofollow">@W2WFinancial</a> on Facebook </p> <p>Join Me at the <a href="https://www.eventbrite.com/e/whole-you-womens-expo-tickets-1144732308149" rel="noopener noreferrer nofollow">Whole You Women's Expo</a></p> <p>Join the Facebook Group: <a rel="noopener noreferrer nofollow">Prosperous Women Collective</a></p> no01:02:3533Love Isn’t Enough: Protecting Your Future with a Prenup with Chris Jacksonfull<![CDATA[Don't Become the Cheaper-to-Keep-Her Woman]]>In this encouraging episode of Becoming a Financially Confident Woman, Dr. April Murdaugh shares how women can avoid feeling financially stuck in a relationship—by taking small, intentional steps toward independence. She explains what the “cheaper to keep her” mindset looks like and offers practical ways to build confidence, clarity, and options in your financial life.

This episode is a reminder that your financial future belongs to you, and you have the power to strengthen it—no matter your circumstances.

Key Takeaways:

  • How to recognize when fear about finances—not love—are keeping you in place

  • Steps to build personal financial security and awareness

  • Why understanding your full financial picture creates confidence and choice

Connect with Dr. April Murdaugh: @W2WFinancial on Facebook 

Join the Facebook Group: Prosperous Women Collective

]]>https://Info33j.podbean.com/e/39-dont-become-the-cheaper-to-keep-her-woman/Info33j.podbean.com/5ff6d146-224b-3627-929e-e8f1d4c04017Fri, 12 Dec 2025 12:00:00 GMT<p>In this encouraging episode of Becoming a Financially Confident Woman, Dr. April Murdaugh shares how women can avoid feeling financially stuck in a relationship—by taking small, intentional steps toward independence. She explains what the “cheaper to keep her” mindset looks like and offers practical ways to build confidence, clarity, and options in your financial life.</p> <p>This episode is a reminder that your financial future belongs to you, and you have the power to strengthen it—no matter your circumstances.</p> <p>Key Takeaways:</p> <ul> <li> <p>How to recognize when fear about finances—not love—are keeping you in place</p> </li> <li> <p>Steps to build personal financial security and awareness</p> </li> <li> <p>Why understanding your full financial picture creates confidence and choice</p> </li> </ul> <p>Connect with Dr. April Murdaugh: <a href="https://www.facebook.com/W2WFinancial" rel="noopener noreferrer nofollow">@W2WFinancial</a> on Facebook </p> <p>Join the Facebook Group: <a href="https://www.facebook.com/groups/1553261436051968/" rel="noopener noreferrer nofollow">Prosperous Women Collective</a></p> no00:32:0539Don't Become the Cheaper-to-Keep-Her Womanfull<![CDATA[Empowering Women Physicians Toward Financial Wellness]]>Women physicians receive less compensation than their male counterparts, are more likely to experience burnout, have to juggle the demands of family life, caregiving, patient care, continuing education and planning their financial futures.

In this episode Dr. Murdaugh, CEO/Founder of Woman To Woman Financial, a wealth management firm for women, discusses the top financial concerns of women physicians based on her experience as an Investment Adviser.  She discusses topics such as negotiating, the gender pay gap, planning to pivot, family planning, understanding contracts, and creating and growing wealth. 

To learn more about her services and schedule a complimentary call click: https://calendly.com/w2wfinancial/60min

To visit her website: http://womantowomanfinancial.com

Call 904-753-5250

]]>https://Info33j.podbean.com/e/empowering-women-physicians-toward-financial-wellness/Info33j.podbean.com/b3a71e59-9ee6-3644-b62c-352493684e03Mon, 02 Oct 2023 04:09:00 GMT<p>Women physicians receive less compensation than their male counterparts, are more likely to experience burnout, have to juggle the demands of family life, caregiving, patient care, continuing education and planning their financial futures.</p> <p>In this episode Dr. Murdaugh, CEO/Founder of Woman To Woman Financial, a wealth management firm for women, discusses the top financial concerns of women physicians based on her experience as an Investment Adviser.  She discusses topics such as negotiating, the gender pay gap, planning to pivot, family planning, understanding contracts, and creating and growing wealth. </p> <p>To learn more about her services and schedule a complimentary call click: <a href="https://calendly.com/w2wfinancial/60min" rel="noopener noreferrer nofollow">https://calendly.com/w2wfinancial/60min</a></p> <p>To visit her website: <a href="http://womantowomanfinancial.com" rel="noopener noreferrer nofollow">http://womantowomanfinancial.com</a></p> <p>Call 904-753-5250</p> no00:38:3412Empowering Women Physicians Toward Financial Wellnessfull<![CDATA[Demystifying Health Insurance]]>Since this is Open Enrollment season, Dr. April talks with Health Insurance expert Lorie Johns.  Lorie has been in the health insurance industry for 25 years. She is not just an agent, but an adviser to people needing individual health insurance and Medicare coverage. On this podcast, Lorie educates us on the health insurance terminology, how to interpret different types of coverages, the purpose for the Marketplace, how to select coverage and so much more.

You might want to have a pen and pad available as you listen. If you need to contact Lorie, you may reach her by email at: LJohns@Tisonassociates.com or via phone at 904-723-9083.  Website: https://www.tisonassociates.com/

 

]]>https://Info33j.podbean.com/e/demystifying-health-insurance/Info33j.podbean.com/4731e4bc-4402-3ace-bdbe-4c6efda40570Mon, 04 Dec 2023 16:27:51 GMT<p>Since this is Open Enrollment season, Dr. April talks with Health Insurance expert Lorie Johns.  Lorie has been in the health insurance industry for 25 years. She is not just an agent, but an adviser to people needing individual health insurance and Medicare coverage. On this podcast, Lorie educates us on the health insurance terminology, how to interpret different types of coverages, the purpose for the Marketplace, how to select coverage and so much more.</p> <p>You might want to have a pen and pad available as you listen. If you need to contact Lorie, you may reach her by email at: <a href="mailto:LJohns@Tisonassociates.com" rel="noopener noreferrer nofollow">LJohns@Tisonassociates.com</a> or via phone at 904-723-9083.  Website: <a href="https://www.tisonassociates.com/" rel="noopener noreferrer nofollow">https://www.tisonassociates.com/</a></p> <p> </p> no00:57:58119Demystifying Health Insurancefull<![CDATA[New Year, No Debt!]]>In this podcast Dr. April discusses strategies and tips for eliminating debt as a goal for the new year. This episode covers topics such honoring the commitment you make to yourself, know your current financial position to include income and necessary expenses, and strategies to begin the debt-freedom journey.  If you would like the Spending Plan worksheet referenced in the podcast email for a complimentary copy at Info@womantowomanfinancial.com

To schedule a Synergy Session if you desire help and accountability email: Info@womantowomanfinancial.com or schedule the appointment by clicking: https://calendly.com/w2wfinancial/60min

 

]]>https://Info33j.podbean.com/e/new-year-no-debt/Info33j.podbean.com/86b603a9-909f-3708-a040-945775524c7bMon, 15 Jan 2024 12:00:00 GMT<p>In this podcast Dr. April discusses strategies and tips for eliminating debt as a goal for the new year. This episode covers topics such honoring the commitment you make to yourself, know your current financial position to include income and necessary expenses, and strategies to begin the debt-freedom journey.  If you would like the Spending Plan worksheet referenced in the podcast email for a complimentary copy at Info@womantowomanfinancial.com</p> <p>To schedule a Synergy Session if you desire help and accountability email: <a href="mailto:Info@womantowomanfinancial.com" rel="noopener noreferrer nofollow">Info@womantowomanfinancial.com</a> or schedule the appointment by clicking: <a href="https://calendly.com/w2wfinancial/60min" rel="noopener noreferrer nofollow">https://calendly.com/w2wfinancial/60min</a></p> <p> </p> no00:42:49121New Year, No Debt!full