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: Woman to Woman Financial

www.HudHomeStore.com

www.FactorTrust.com

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

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

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

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/

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

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

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