Financially Speaking

As the New Year approaches and the world leans into the familiar “new year, new me” mantra, remember this: time waits for no one. Why postpone your reset until January 1st when you can begin today?

In this episode, “Shape the Year Ahead Now: Get Ready to Reset, Realign, and Move Forward,” host Jacquette reminds us that progress is a personal journey. Each of us moves at our own pace, and it’s our mindset that determines how far we’ll go. Along this journey, we'll often have to reset and realign. Understand that realignment isn’t about grand ge...

Join Dr. Tonya M. Evans on "Confidently Crypto" as she demystifies the world of digital assets and explores the intrinsic value of Bitcoin. Dive into insightful discussions on the future of finance, the role of cryptocurrencies, and the evolving landscape of digital economies. Whether you're a crypto enthusiast or a curious newcomer, this podcast offers clarity and confidence in navigating the digital asset economy. Subscribe now to stay informed and empowered in the world of crypto.

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

Follow her socials: @IPProfEvans

To listen to m...

“If you want to go fast, go alone. If you want to go far, go together.” — African proverb

In today’s episode, "Here’s an Uncomfortable Idea: Want More Success? Be Less Independent," host Jacquette offers candid and vulnerable insight into why fierce independence may actually be holding you back.

She challenges the myth that success is a solo pursuit, urging listeners to lean into interdependence instead. Nothing thrives in isolation—not even nature. True growth comes from collaboration, delegation, and the sharing of wisdom. If you want to succeed in money, business, and life, embrace the...

Five crypto companies just got the keys to federal banking. The OCC granted national trust bank charters to Ripple, Circle, BitGo, Fidelity Digital Assets, and Paxos—and that's never happened before. Dr. Tonya M. Evans explains what this actually means, how it ties to the GENIUS Act, and why it matters if you've ever been denied a loan, hit with predatory fees, or told banking "isn't for you."

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

Follow her socials: @IPProfEvans

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

We can obsess over worst‑case scenarios; doomsday preppers prove that. But what if the real challenge isn’t surviving failure… it’s embracing and sustaining success? Every new level of success calls you to step into new roles, embrace growth, and rise higher than before. In today’s episode, “How Well Do You Prepare for the Success You Want?”, host Jacquette defines success and introduces the "mask of success." This mask, although figurative, can be used as a real tool that empowers, protects, and transforms. When worn with intention, the mask empowers rather than confines.

So, tune in today...

Tune in to a throwback episode from Dec. 23, 2024, where Dr. Evans breaks down the fundamentals of crypto in regards to coins vs. tokens!

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/

Strategic Advisor | Digital Assets & Regulatory Policy

Advantage Evans, LLC

📖 Author: Digital Money Demystified | Electing Crypto

🎙️ Host: Confidently Crypto on SiriusXM

🔗 Connect: ProfTonyaEvans.com

📬 Subscribe: FinTech News & Trends Report

 If the word "cryptocurrency" makes you want to run for cover, it’s time to flip that fear into curiosity and courage. Today’s episode, "Digital Money Demystified: A Conversation," is your invitation to step into clarity and possibility.

Host Jacquette sits down with multifaceted guest Dr. Tonya Evans, author of Digital Money Demystified, to deliver a masterclass that brings humanity into the often-intimidating world of digital money. Together, they reveal that crypto isn’t just about technology; it’s about access, imagination, and empowerment. They break down the invisible walls of fear, misinformation, and doubt that keep so m...

This is a throwback to episode 1 of Confidently Crypto on Financially Speaking!

Chief Learning Optimizer and author of "Digital Money Demystified," Dr. Tonya Evans, introduces her weekly Monday series on Financially Speaking called, 'Confidently Crypto.'

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/

Strategic Advisor | Digital Assets & Regulatory Policy

Advantage Evans, LLC

📖 Author: Digital Money Demystified | Electing Crypto

🎙️ H...

Remember the pure joy of being a kid—running outside, laughing, and playing until sunset? Back then, missing out on play felt like the harshest punishment. Well, guess what? It’s time to bring that magic back!

On today’s episode of "The Power of Play – Building Resilience in Body, Mind, and Money," host Jacquette teams up with Behavioral Change Health Coach Janet Omstead to invite you to rediscover the transformative power of play. Janet shares insights from her inspiring book "The Play Book," offering new perspectives on what it really takes to embrace change. This isn’t just abo...

Bitcoin dropped from its all-time high of $126,210 to around $84,700—its worst month in two years. While retail investors panic-sell, institutional investors like Abu Dhabi's sovereign wealth fund are quietly buying the dip. So who's really losing here?

In this episode of Confidently Crypto, Dr. Tonya M. Evans breaks down why this crash created the single biggest tax-saving opportunity of 2025—and why it expires December 31st.

Dr. Evans explains tax-loss harvesting: a legal strategy that allows you to sell assets at a loss, offset your capital gains, and potentially save thousands on your tax bill...

In today’s episode, “Innovation Isn’t an Event — It’s a Practice” with Innovation Architect Carla Johnson, host Jacquette invites us into a transformative conversation that redefines innovation: not as a flash of genius, but as a way of life.

Together, they explore the powerful parallels between innovation and money, revealing how our mindset, habits, and everyday choices shape both. Carla shares how observation fuels creativity, and how anyone can become an innovator by practicing curiosity, courage, and intentionality.

If you’ve ever felt stuck or unsure how to spark change, this episode is your invitatio...

Africa isn't catching up on crypto—it's leading. Dr. Tonya M. Evans talks with Mimi Kufuor, CEO of KoinKoin Ghana, about building a digital asset platform driven by utility, not speculation. Mimi shares her journey from Meta to African fintech, explaining why stablecoins prevent money from fluctuating in everyday transactions, how KoinKoin doubled revenues to £150 million across Nigeria, Ghana, Kenya, and South Africa, and what it means to advocate for women in tech leadership while bridging traditional finance and decentralized ecosystems. This conversation challenges American assumptions about where real crypto innovation is happening. Subscribe and share with anyone who nee...

What if your outcome wasn’t a reflection of effort, but of something deeper—something you define yourself? In today’s episode, "A Harvest Isn't Always What You Planted," host Jacquette challenges the conventional wisdom that hard work equals worth. She invites you to explore a more honest truth: the harvest always reveals what truly took root, whether or not it was what you intended to sow. So, instead of labeling outcomes as “good” or “bad,” she urges us to, instead, examine what grew—and why. Because in that raw honesty lies the real lesson.

Financial Behaviorist Jacquette M. Tim...

In this episode of Confidently Crypto, Dr. Tonya Evans explores the current state of the cryptocurrency market and its connection to the broader economy, particularly in light of recent actions by the Federal Reserve. She draws parallels between today's economic conditions and the 2008 financial crisis, emphasizing the importance of Bitcoin as a response to systemic failures in traditional finance. The episode highlights the need for education and preparation in navigating the evolving financial landscape, advocating for financial sovereignty through understanding and engagement with digital assets.

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

Follow her...

In todays episode, Dr. Tisa is joined by Melanie Mason, MS, MBA, Director of Programs and Administration for the Maryland Center for Collegiate Financial Wellness. Melanie is also a realtor and founder of Mason Consulting Company, a boutique firm that provides services to higher education institutions, nonprofits and small businesses. Together they share the do's and don'ts of funding your college experience!

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 fam...

Ideas don’t just arrive; they evolve. It’s the quiet, often invisible choices—the ones no one else notices—that ultimately shape the "Big Decision." In today’s episode, “The Power of the Choices You Make That Others Don’t See,” host Jacquette dives into the three truths about our choices: your intention, your impact, and your why. Tune in to see why these truths reveal the power behind every subtle choice we make.

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

In this episode of Confidently Crypto, Dr. Tonya M. Evans sits down with Peter Frimpong Manso, convener of the Digital Assets Summit Africa (DASA), to unpack how digital assets are transforming Africa’s financial future. Drawing on 15 years of supply chain and procurement experience at BP and Fujitsu, Peter reframes crypto as critical financial infrastructure—not speculation.

Together, they explore Ghana’s leadership through the Bank of Ghana’s crypto licensing framework, the need for regulation that fuels innovation rather than just policing risk, and how Africa’s $5.6 billion digital assets market by 2025 could unlock real financ...

As the iconic movie line reminds us, “Life is like a box of chocolates; you never know what you're gonna get.” And sometimes, what you get isn’t what you hoped for, but that doesn’t mean the story ends there. In today’s episode, “The Result Wasn't What I Wanted: But, I'm Not Discouraged,” host Jacquette dives into the power of embracing disappointment, not as defeat, but as a stepping stone. She invites listeners to honor their feelings, recognizing disappointment as a natural, fleeting emotion that can offer valuable insight. With a simple shift in perspective, we can turn setbacks...

How a Texas mother used crypto to escape financial abuse when traditional banks couldn't protect her.  

Dr. Tonya Evans and Ali Tager from the National Cryptocurrency Association share real stories of everyday Americans finding financial freedom through digital assets. Discover why women and underserved communities are turning to cryptocurrency for privacy, autonomy, and wealth building beyond Wall Street. Ali reveals NCA's crypto holder survey findings and new educational tools launching soon, including a risk-free simulator for beginners. This conversation delivers practical guidance on getting started confidently, from setting up wallets to understanding what makes crypto di...

Dr. Tisa explains three facts about student loan forgiveness under Trump, how the headlines often miss the point, and what borrowers can expect now that the administration has agreed to resume processing loan forgiveness!

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.

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our col...

In moments of doubt, your choices reveal what you truly value, fear, and prioritize. In today’s episode of “When Life Is Messy, Do You Ever Wonder if You're Being Tone Deaf?” Jacquette explores what it means to lead with clarity, compassion, and conviction, even when life feels a bit off-kilter, or "messy." Tune in to learn how to stop second-guessing your impact and start trusting the power you bring.

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 o...

What happens when the grid goes down or banks freeze accounts? Dr. Tonya M. Evans explores the rise of offline digital money—“freedom money”—and why it’s key to democracy. From Ghana’s e-zwich to India’s digital rupee and the lessons of EndSARS, she reveals how resilient payment systems protect rights when connected ones fail. Plus, she shares lessons from her e-book, The Cooperative Economics of Crypto.

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

Follow her socials: @IPProfEvans

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

September arrives, bringing a crisp breeze and a variety of rich, earthy tones. It moves us from the fast pace of Summer to the mindful rhythm of Fall, serving as nature’s gentle reminder that change is both beautiful and necessary. For many, this month sparks a quiet sense of renewal, like a bonus New Year. So, in today's episode, "Why Does September Represent a Powerful Sense of New Beginnings," host Jacquette invites listeners to pause, reflect, and embrace transitions, offering ways to recognize how change reshapes and refines our skills and prepares us for what’s ahead.

Fi...

Is crypto safe for women investors, professionals and innovators? In this episode, Dr. Tonya M. Evans debunks 5 persistent myths keeping women out of the digital asset economy, exposes common scams and imposter tactics, and profiles Black women leaders building the future of finance: EMTECH's Carmelle Cadet, KoinKoin's Mimi Kufuor, and the Association for Women in Cryptocurrency's Adilah Holivay.

Learn why women hold only 26% of crypto globally—yet outperform when they invest. Discover how blockchain enables cross-border payments, financial inclusion, and wealth building without gatekeepers. Plus: a tiered action plan to start investing safely, red flags to...

History doesn’t always repeat, but it echoes loudly. In today’s episode, "Who Gets to Decide What Your Labor is Worth?", host Jacquette dives into the overlooked legacy of Black labor activists who fought for equity while being denied it themselves. Despite pushing for justice for all workers, they were excluded from the very movements they helped build, leading to the creation of The Colored National Labor Union (CNLU) in 1869. Through this retelling, Jacquette implores listeners to rethink pricing and pay—not just as numbers, but as acts of self-advocacy. Whether you're negotiating a raise or setting your rates...

What happens when artificial intelligence starts managing money on the blockchain? In this episode, Dr. Tonya M. Evans explores the rise of "DeAI"—the fusion of AI and decentralized finance—and what it means for regulators, investors, and innovators. Discover how autonomous systems are reshaping markets, compliance, and opportunity while challenging exclusionary legacy systems that have long limited access to wealth. From regulatory readiness to democratized finance, Dr. Evans explains why transparency, accountability, and technological competence will determine who thrives—and who’s left behind—in the next generation of the global digital economy.

Visit Dr. Evans...

Price isn’t just a number—it’s the story behind every financial choice. What you’re really investing in often goes beyond the product itself: it’s the speed of a solution, the relief of peace of mind, the access to opportunity, the trust you place, and the reassurance you crave. In today’s episode, "Are You Curious About the Deeper Layers of Your Money Decisions?" host Jacquette lifts the veil on these hidden forces shaping how we spend and decide. Follow her as she unpacks the intricate emotions and insights tied to financial decisions, showing how entrepreneurs and clients...

In this episode of Confidently Crypto, Professor Tonya M. Evans reflects on her journey through Accra, from walking through W.E.B. Du Bois’ home to standing at the Kwame Nkrumah Memorial, and connects these powerful moments in history to the future of Africa’s digital economy. Drawing from her keynote at the Digital Assets Summit Africa, she explores Ghana’s pioneering role with mobile money and the upcoming eCedi CBDC, Nigeria’s new securities framework for virtual assets, and South Africa’s licensing regime for crypto providers. She also weaves in global developments, including the London Stock Exchange’s move into...

In Part 3 of Dr. Tisa's series on the effects the "Big, Beautiful Bill" Act with have on loan repayment, this episode is specifically for people who will be borrowing for the first time after July 1, 2026. Changes involve a lot of limits that make it even more important for students and families to be strategic about selecting a college or career school and how to pay for it, especially when loans are involved.

Highlights:

-New borrowing limits and how they compare to the average cost of college

-Fewer repayment options, especially for p...

As you grow, so do your clients. Your goal should be to notice when their growth aligns with or causes friction in yours. In today's episode, " Is Your Pricing Actually Keeping Pace With Your Client's Growth?" host Jacquette shares three ways client growth can manifest: in their financial capacity and/or "perception score," changes in their values and priorities, and increased expectations. Check out today's episode to learn how to embrace and price correctly for whatever stage of evolution you and your clients are at.

Financial Behaviorist Jacquette M. Timmons explores the psychology, emotions, and math of...

In this final episode of our Cooperative Economics of Crypto in Africa series, Prof. Tonya M. Evans takes you behind the scenes of her upcoming keynote at Digital Assets Summit Africa 2025. She breaks down a simple five-lens playbook for smarter, safer crypto adoption, explains why stablecoins matter, and highlights Ghanaian fintech innovators like WeWire, Nala, Busha, Kotani Pay and Startbutton. The big takeaway? Local choices in Africa’s digital economy are shaping the future of money worldwide.

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

Follow her socials: @IPProfEvans

To listen to...

Imagine driving a car with misaligned wheels; it takes more effort, burns more fuel, and wears down faster. The same goes for business: when your pricing isn’t aligned with your growth, you're working harder than you need to. In today’s episode, “Is Your Pricing Out of Sync with Your Growth?”, host Jacquette breaks down how to bring your pricing strategy into harmony with your evolving capacity, skills, and expertise. So, if you want to realign and move forward with clarity and confidence, tune in!

Also check out: Pricing Made Human Experience

Financial Behaviorist Jacquett...

In this episode, Dr. Tonya M. Evans continues her Cooperative Economics of Crypto in Africa series and reveals how Ghana, Nigeria, and South Africa went from crypto critics to joining the effort to lead globally in just 24 months. Discover how Africans are using text messages to send digital money without internet, how local startups are processing over a billion dollars in cross-border payments, and why government digital currencies are working alongside stablecoins to serve 1.4 billion people. From officially licensed crypto exchanges to payment apps that work on flip phones, Africa is showing the world how blockchain technology solves real...

When you truly care about something, watching it blossom—flourish, thrive, GROW—is the ultimate goal. But what if it costs you? Trick question because growth is never free. And although cost isn't always monetary, the resulting growth often reflects in pricing. In today's episode, "Do You Love the Results of Growth, But Not What it Costs?" host Jacquette speaks openly about recent changes she's made in her business, the different costs involved, and why it's important to honor the journey of growth as a whole!

Financial Behaviorist Jacquette M. Timmons explores the psychology, emotions, and math of m...

In this episode, Dr. Tonya Evans explores the transformative potential of remittances and stablecoins in Africa, emphasizing the importance of cooperative economics and regulatory leadership. She discusses how crypto adoption is reshaping financial practices, particularly for small businesses and families, and highlights the need for a balanced approach to regulation that fosters innovation while protecting consumers. 

The conversation culminates in practical steps for engaging with crypto, particularly in the context of remittances and treasury management. This episode's focus is: Money In, Money Out - How Stablecoins Cut Costs and Grow Local Business.

Visit Dr...

In today's episode, "Making Money Make Sense — 4 Truths to Rethink How You Earn, Spend, and Decide," host Jacquette provides a quick overview of the central theme "Making Money Make Sense," which is explored in episodes 263-266. She also highlights why priority, energy, relationships, and self-trust are all important factors in your financial journey.

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

www.jacquettetimmons.com

...

In Part 2 of Dr. Tisa's Big, Beautiful Bill & Loan Repayment series, Dr. Tisa dedicates this episode to parents who are already repaying Parent PLUS Loans. She reviews time sensitive information  and gives a list of actions to take and questions to answer to make sure parents are prepared before most of the changes from the BBB go into effect next year.

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 t...

In this episode, Dr. Tonya Evans explores the transformative role of crypto and digital finance in Africa, emphasizing the continent's unique position to leverage cooperative economics and mobile money systems. She discusses the regulatory landscape, the dominance of stablecoins, and how traditional cooperative finance practices are being integrated with modern technology to create a more inclusive financial ecosystem. The conversation highlights practical use cases of stablecoins in Africa, contrasting them with Bitcoin's volatility, and calls for a shift in perception about crypto from speculation to utility.

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

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/

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