Financially Speaking

What is the connection between the money in your personal account and what's in your business account? It's YOUR money! Yes, it's that simple. In today's episode, "Never Underestimate How Personal Money Is — Especially in Business," host Jacquette shares five reasons to keep personal and business accounts separate and offers insights on why adopting a more unified mindset when comparing the two can be just as beneficial.

Financial Behaviorist Jacquette M. Timmons explores the psychology, emotions, and math of money each week so that you can make better, smarter choices regardless of where you fall on the in...

Check out this throwback to the FIRST episode of Confidently Crypto from 12/16/24 where Dr. Evans shares her journey into the crypto realm, lays down some fundamentals and introduces certain terms we should know when entering this space! 

Visit Dr. Evans' website at: www.ProfTonyaEvans.com

Follow her socials: @IPProfEvans

To listen to more of Dr. Tonya Evans' Podcasts, Visit: https://proftonyaevans.com/podcasts/

When it comes to making money decisions, there’s no “one size fits all” approach or simple solution. However, most decisions rely on three key elements: strategy, system, and self-trust. In today’s episode, "Here’s an Unusual Way to Strengthen Your Self-Trust - With Money," host Jacquette explains why self-trust is the glue that holds everything together, while tools like the Financial Flywheel™ help boost your confidence in decision-making, leaving little room for self-doubt to creep in.

Financial Behaviorist Jacquette M. Timmons explores the psychology, emotions, and math of money each week so that you can make better...

Check out this throwback episode of Confidently Crypto w/ Dr. Tonya Evans from 3.10.25! In this episode of Confidently Crypto, Dr. Tonya M. Evans discusses the critical role of women in the evolving landscape of cryptocurrency and blockchain technology. She also fact checks Rachel Maddow's recent comments on crypto being a "simple scam."

She emphasizes the importance of financial independence and inclusion, particularly for marginalized communities. The conversation also addresses common misconceptions about crypto, the regulatory challenges it faces, and the inherent value and volatility of digital assets. Dr. Evans advocates for a more nuanced understanding of crypto's...

Check out Dr. Tisa's first episode in a three-part series for borrowers about the "Big, Beautiful Bill," where she breaks down what they can expect and what they should do. This episode focuses on the BBB's impact on people who already have loans for themselves. 

Tisa Silver Canady, EdD, MBA, is a financial wellness advocate for today’s scholar. As an author and collegiate financial wellness expert specializing in student loan debt, she has personally advised students and families on the repayment of more than $100 million in student loans.

Yes, you may be successful on paper, but do you feel it? If your focus is on money management, listen to today's podcast "Does Your Success Feel as Solid as It Looks?" by host Jacquette, and discover how and what elements you should balance so that your success feels as good as it looks. Don’t just chase the numbers—feel the victory!

Financial Behaviorist Jacquette M. Timmons explores the psychology, emotions, and math of money each week so that you can make better, smarter choices regardless of where you fall on the income or wealth spectrum. #mone...

In this episode of Confidently Crypto, Dr. Tonya Evans breaks down Trump's August 7th executive order allowing cryptocurrency investments in 401(k) plans, and what it means for your retirement strategy. Discover the difference between existing Bitcoin IRAs and new 401(k) crypto options, learn the three critical questions every retirement saver should ask their financial advisor, and understand why this regulatory clarity creates massive opportunities for informed investors.

Dr. Evans also covers this week's crypto market surge (Bitcoin hit $122,838, Ethereum surpassed $4,000), the SEC's conclusion of the Ripple case, and why the criminal WNBA court disruptions by a...

In today's episode, Dr. Tisa talks about "good jeans": American Eagle Outfitters and Levi's. These two billion dollar companies with new celebrity ads, created buzz for both and a stock market pop for one after President Trump shared his thoughts. But here's the question for investors: Is it news or noise?

Tisa Silver Canady, EdD, MBA, is a financial wellness advocate for today’s scholar. As an author and collegiate financial wellness expert specializing in student loan debt, she has personally advised students and families on the repayment of more than $100 million in student loans.

You can run from it or embrace it as the friend it truly is. Yes, we're talking about mid-year reviews, and yes... they can be a bit tedious or even intimidating at times but tune into today's episode "This May Actually Help You Rewire Your Relationship With Mid-Year Reviews," where host Jacquette explains why mid-year reviews can provide valuable hindsight. And, as the saying goes, hindsight is 20/20.

Financial Behaviorist Jacquette M. Timmons explores the psychology, emotions, and math of money each week so that you can make better, smarter choices regardless of where you fall on the...

In this episode of Confidently Crypto, Dr. Tonya Evans discusses the significant opportunities arising from the White House Digital Assets Report and recent regulatory clarity in the crypto industry. While the industry spent $245 million securing this regulatory framework, almost no lawyers, financial advisors, or compliance professionals are prepared to serve the growing number of clients interested in digital assets. Dr. Evans reveals how crypto-competent professionals are charging 25-40% premium fees and emphasizes the urgent need for financial professionals to become Web3 ready to capitalize on this evolving landscape of digital finance. Perfect for professionals in law, finance, and advisory...

Some of the best and MOST important investments you'll ever make are in yourself... in your craft. In today's episode, "Here's Why Investing in Your Craft Is an Ongoing, Courageous Practice," host Jacquette explains why taking a chance on yourself and investing in your craft is not only hard and necessary work, but it may also be one of the most rewarding things you'll ever do. Pour into yourself, so that you may then pour into others.

Financial Behaviorist Jacquette M. Timmons explores the psychology, emotions, and math of money each week so that you can make b...

In this episode of Confidently Crypto, Dr. Tonya M. Evans breaks down what’s really going on with digital money in the U.S. and around the world. She explains why some lawmakers want to ban a U.S. central bank digital currency (CBDC), how that’s different from cryptocurrencies like bitcoin, Ethereum and stablecoins, and what it all means for your privacy, financial freedom, and future. You’ll also learn what other countries like China and Ghana are doing with digital currencies—and why it’s so important to understand who controls money in this new digital economy.

What is "financial freedom" and how does one achieve it? Well ... that isn't a one-size-fits-all answer. So, in today's episode, "Here's Why Financial Freedom Isn't Just About Money," Jacquette encourages her listeners to view financial freedom in very nuanced ways because it is precisely nuance that will help us navigate a system that wasn't designed for everyone to thrive equally.

Financial Behaviorist Jacquette M. Timmons explores the psychology, emotions, and math of money each week so that you can make better, smarter choices regardless of where you fall on the income or wealth spectrum. #money #financialbehaviorist #jacquettetimmons...

With Student Loans back in the conversation, check out this updated #ICYMI episode with Dr. Tisa originially from March 4, 2025!  

In this episode she gives us some different perspectives on dealing with student loans from two clients she worked with. Through these stories, she highlights the issues that borrowers deal with everyday. Check it out!

Tisa Silver Canady, EdD, MBA, is a financial wellness advocate for today’s scholar. As an author and collegiate financial wellness expert specializing in student loan debt, she has personally advised students and families on the repayment of mo...

Is crypto finally safe—or just another way for the powerful to profit?

In this episode of Confidently Crypto with Dr. Tonya M. Evans, we break down what really happened during Crypto Week in Congress, why stablecoins and market structure reforms matter, and how new U.S. legislation could reshape the future of digital assets. From the GENIUS and CLARITY Acts to rising scams and regulatory power plays, this episode helps investors understand what’s real, what’s risky, and what’s next.

Listen now and stay informed, stay safe, and stay… Conf...

Being a smart consumer is understanding the value in things even when they are considered "free" because there's nothing free in life. So, if something is given to you, be grateful if that gratitude is your only cost. In today's episode, "The True Underestimated Cost of Free: Invisible Labor, Visible Entitlement," host Jacquette explains why being entitled to "free" is more than surface-level bad consumerism.

Financial Behaviorist Jacquette M. Timmons explores the psychology, emotions, and math of money each week so that you can make better, smarter choices regardless of where you fall on the income or...

Contrary to popular belief, it does not take "a lot" of money to begin investing. Dr. Tisa explains three forms of investing--real estate, entrepreneurship, and precious metals--and how investing in them indirectly can grant you access to profits without exposing you to enormous amounts of risk.

Tisa Silver Canady, EdD, MBA, is a financial wellness advocate for today’s scholar. As an author and collegiate financial wellness expert specializing in student loan debt, she has personally advised students and families on the repayment of more than $100 million in student loans. 

In this episode of Confidently Crypto, Dr. Tonya M. Evans breaks down why your intellectual property (IP) portfolio is one of the most overlooked but absolutely essential assets in the crypto and blockchain economy. From NFT platforms and DeFi protocols to tokenized real estate and DAO tooling, Web3 innovation is booming. But so are IP lawsuits, patent trolls, and high-stakes litigation. If you’re not building an IP strategy into your crypto business model, you’re putting your innovation—and valuation—at risk.

Visit Dr. Evans' website at: www.ProfTonyaEvans.com

Follow her socials...

There's something to be said about allowing yourself to want...to hope. It's a very vulnerable act because, if unfulfilled, it can lead to one of your greatest disappointments. In this episode, "When Disappointment Really Means You're Still in The Game; Still Reaching," host Jacquette openly shares a time when receiving the dreaded "no" ultimately brought her to a deep and meaningful realization.

Financial Behaviorist Jacquette M. Timmons explores the psychology, emotions, and math of money each week so that you can make better, smarter choices regardless of where you fall on the income or wealth spectrum...

Now that the 'Official Big Beautiful Bill' has been signed into law, Dr. Tisa explains the changes in borrowing for undergraduate students, graduate students and parents who are borrowing to pay for their children's education.

Tisa Silver Canady, EdD, MBA, is a financial wellness advocate for today’s scholar. As an author and collegiate financial wellness expert specializing in student loan debt, she has personally advised students and families on the repayment of more than $100 million in student loans. 

Are you a lawyer who keeps hearing about crypto but feels unprepared to advise clients? You're not alone—and you're not behind. But it's time to get serious about Web3 competence.

According to recent surveys, over 60% of lawyers encounter crypto-related questions from clients, but less than 20% feel competent to provide guidance. This gap isn't just growing—it's creating real professional liability risks. In this episode, legal expert Dr. Tonya M. Evans reveals the five critical gaps that are putting lawyers at risk and provides actionable steps to close them before they cost you clients, credibility, or compliance.

Distractions can take many forms and are even welcomed at times. However, when necessary, we must set boundaries to become our most productive selves. In today's episode, "The World Doesn't Stop Just Because You're Feeling Distracted," Jacquette explains why, although the world may love a somewhat efficient "multitasker", there's value in being able to focus on the task at hand.

Financial Behaviorist Jacquette M. Timmons explores the psychology, emotions, and math of money each week so that you can make better, smarter choices regardless of where you fall on the income or wealth spectrum. #money #financialbehaviorist #jacquettetimmons...

Eyes are still on the stock market, but the bond market is larger and experiencing some unusual moves. President Trump has been clear he wants interest rates to come down, however interest rates are set by an independent agency-the Federal Reserve. Dr. Tisa explains what "the Fed" is, what it does, and how its decisions affect our everyday lives.

Tisa Silver Canady, EdD, MBA, is a financial wellness advocate for today’s scholar. As an author and collegiate financial wellness expert specializing in student loan debt, she has personally advised students and families on the rep...

Can your Bitcoin help you buy a house? Yes. But there’s a twist. Dr. Tonya M. Evans breaks down a big change in the mortgage world: for the first time, some crypto can count when applying for a home loan. She explains what this means, who benefits, and why where you store your crypto matters. Plus: the latest news on Bitcoin, stablecoins, and the rise of DeFi.

Visit Dr. Evans' website at: www.ProfTonyaEvans.com

Follow her socials: @IPProfEvans

To listen to more of Dr. Tonya Evans' Podcasts, Visit: https://prof...

A mother's love is shown in many different ways, and what better way than through lessons? Some lessons are more obvious, while others are so quiet that you may not understand them until later in life. Tune in to today's episode, "The Quiet Money Lessons of Mothers — and How We Carry Them Forward," as host Jacquette pays tribute to her mother while sharing how we can embody the explicit and implicit money lessons taught by our mothers.

Financial Behaviorist Jacquette M. Timmons explores the psychology, emotions, and math of money each week so that you can make be...

Check out today’s throwback episode from February with Dr Tisa! She is joined Founder/Chief Visionary Officer of Wealth Esteem and licensed clinical social worker, Seante Hatcher. Together they discuss facing financial trauma, and building a better relationship with money!

Tisa Silver Canady, EdD, MBA, is a financial wellness advocate for today’s scholar. As an author and collegiate financial wellness expert specializing in student loan debt, she has personally advised students and families on the repayment of more than $100 million in student loans. 

In this episode of Confidently Crypto, Dr. Tonya M. Evans discusses the alarming rise of patent trolls in the Web3 space, particularly targeting crypto projects like Bitcoin mining and stablecoins. She emphasizes the importance of understanding the legal landscape and protecting intellectual property to foster innovation and avoid costly litigation. The conversation also touches on recent developments in the crypto market, including stablecoin regulations and cybersecurity threats, urging listeners to stay informed and proactive in the digital economy.

Visit Dr. Evans' website at: www.ProfTonyaEvans.com

Follow her socials: @IPProfEvans

To l...

Whether you call them myths or "alternative facts," the truth is that when it comes to women and money, the stories we so often hear do not reflect reality. Listen to today's episode, "Women & Money: Myths, Truths, and Observations (Without the Deficit Thinking)" by host Jacquette to understand how to define your relationship with wealth through a more holistic lens.

Financial Behaviorist Jacquette M. Timmons explores the psychology, emotions, and math of money each week so that you can make better, smarter choices regardless of where you fall on the income or wealth spectrum. #money #financialbehaviorist #jacquettetimmons...

Dr. Tisa explains why it's important to identify your likes, dislikes, and deal breakers, when it comes to banking and using your preferences to choose the best financial institution for you!

Tisa Silver Canady, EdD, MBA, is a financial wellness advocate for today’s scholar. As an author and collegiate financial wellness expert specializing in student loan debt, she has personally advised students and families on the repayment of more than $100 million in student loans. 

In this special throwback episode from Tech Intersect, Dr. Tonya M. Evans sits down with Carmelle Cadet, founder and CEO of EmTech, to explore a powerful but often overlooked area of digital currency innovation: Central Bank Digital Currencies, or CBDCs. Together, they unpack the role CBDCs can play in promoting financial inclusion and modernizing outdated financial infrastructure. The conversation covers everything from blockchain-based payment systems and cross-border transaction efficiencies to the privacy and security concerns that come with sovereign digital currencies.

If you’re interested in how governments and innovators are shaping the future of mon...

What would you do if you discovered something was being taken from you almost daily? In today's episode, " When Your Focus Shifts, Your Energy Follows," host Jacquette explains why that "something" is probably your attention. Find out how your attention may be getting hijacked and what you can do to block out the noise and focus on what nourishes you!

Financial Behaviorist Jacquette M. Timmons explores the psychology, emotions, and math of money each week so that you can make better, smarter choices regardless of where you fall on the income or wealth spectrum. #money #financialbehaviorist #jacquettetimmons...

Last week, the Department of Education announced that it would not seize social security benefits from borrowers who have student loans that are in default. This is a reversal of the April 2025 announcement that collections activity on defaulted student loans would begin on May 5. This is a huge relief for social security recipients, but other collections activities are still in play. The best way to avoid the uncertainty is to be clear on where your loans stand and in this episode--along with a bit of history--Dr. Tisa explains how in this #ICYMI episode. 

Tisa Silver Ca...

In this episode of Confidently Crypto, Dr. Tonya M. Evans explores why everyday people are sitting out the 2025 bull run—despite record-breaking prices and Wall Street enthusiasm. Drawing from past cycles and personal experience, she unpacks the fear, frustration, and avoidable mistakes that have kept many on the sidelines. You'll learn what it takes to rebuild trust in crypto, regain control of your assets, and reenter the space on your own terms—before this bull run passes you by.

Visit Dr. Evans' website at: www.ProfTonyaEvans.com

Follow her socials: @IPProfEvans

To li...

Like a slow leak in a tire, financial burnout can go unnoticed until finally there's a blowout, and you suddenly lose control...but was the loss of control actually sudden? Explore that answer in today's episode, "Yes, Financial Burnout is Actually a Real Thing; Are You Feeling It?" when Jacquette explains why financial burnout is so dangerous and steps you can take to detect and mitigate it.

Financial Behaviorist Jacquette M. Timmons explores the psychology, emotions, and math of money each week so that you can make better, smarter choices regardless of where you fall on the...

In Part 2 of the "Big, Beautiful" Bill discussion, Dr. Tisa talks about how the BBB wants to change the student loan repayment experience for people with federal student loans borrowers. There will be fewer options to choose from, longer paths to forgiveness with some smaller opportunities for relief along the way. She also breaks down a huge benefit for some borrowers that came out of the Biden-Harris Administration's student loan relief playbook: waiving excess interest.

Tisa Silver Canady, EdD, MBA, is a financial wellness advocate for today’s scholar. As an author and collegiate financial wel...

In this episode, Dr. Tonya M. Evans deepens the conversation on digital asset fluency as a non-negotiable leadership skill in today’s Web3 economy. She answers two pressing questions from business leaders—one from a creative agency founder, and another from a strategy exec at a logistics firm—and offers practical frameworks for aligning Web3 tools with real business outcomes.

Dr. Tonya also shares her Nine-Step Web3 Career Pivot Roadmap, crafted especially for millennial professionals navigating career transitions. Whether you’re a solo creator, team leader, or rising executive, this episode will help you clarify your next...

Not all drops are created equal. In this episode, "What a More Than 2,000 Point Drop Really Means—And Why Panic Isn't a Strategy," Jacquette details the reasons why panic during a time such as these will keep you from seeing the fruits of your labor. So, listen to today's episode and lean more into your strategy instead.

Financial Behaviorist Jacquette M. Timmons explores the psychology, emotions, and math of money each week so that you can make better, smarter choices regardless of where you fall on the income or wealth spectrum. #money #financialbehaviorist #jacquettetimmons #financialgrowth

Bu...

In Part 1 of Dr. Tisa's break down of Trump's "Big, Beautiful Bill," Dr. Tisa talks about the bill's proposed changes to the availability of federal financial aid programs-including the Pell Grant and student loans. She also discusses how the proposed changes would affect the cost of higher education and access to it for students and parents.

Tisa Silver Canady, EdD, MBA, is a financial wellness advocate for today’s scholar. As an author and collegiate financial wellness expert specializing in student loan debt, she has personally advised students and families on the repayment of more tha...

In this episode, Prof. Tonya M. Evans explores the evolving landscape of the digital asset economy and why today’s leaders can’t afford to sit on the sidelines. Through timely insights—like Bitcoin hitting a new all-time high on Pizza Day, JPMorgan’s quiet embrace of crypto, and the rise of tokenized stocks—she lays out the business, political, and strategic shifts defining this moment.

You’ll also learn why small and midsize businesses have an edge, and how to begin building your team’s digital fluency now, before it's too late.

If you’re a...

King Midas and a recession-proof job have one thing in common...they're both myths. In today's episode, "In Uncertain Times, It's Easy to Cling to Money Myths," Jacquette explains that while it's easy to latch on to myths during financial hardships, one should avoid doing so because it will do you more harm than good. Take a quick listen for more insight!

Financial Behaviorist Jacquette M. Timmons explores the psychology, emotions, and math of money each week so that you can make better, smarter choices regardless of where you fall on the income or wealth spectrum. #money...