In this episode of The New Money Habits Podcast, Coach Nino Villa explains why the words we use around money matter more than we think — especially when it comes to saving.

Many people are taught to build an “emergency fund,” but that language often creates stress, fear, and avoidance. Nino challenges that idea and introduces a more grounding alternative: the Peace of Mind Fund.

This conversation explores how language shapes belief, belief drives behavior, and how subtle shifts in wording can lead to calmer, more intentional financial decisions.

In this episode, you’ll learn:

🧠 Why the term “emergency fund” can increase anxiety
🕊️ How reframing savings as a Peace of Mind Fund changes behavior
⚡ How money scripts and past experiences influence how we save
📊 How much to save to get started (using the 25% guideline)
🔧 Practical ways to begin building your Peace of Mind Fund without stress

You’ll also hear why saving isn’t about sacrifice — it’s about building security — and how small, intentional steps can help you respond to life’s unexpected moments with calm instead of panic.

Learn more at NewMoneyHabits.com

Join the New Money Habits Community

• Join our free community and connect with others building healthier money habits

• Become a member starting at $7/month

• Start your 7-day free trial today

Helpful Resources Mentioned in This Episode

• Watch on YouTube: Full video version of this episode

• Payday Power Planner (FREE): Streamline your budgeting process
  https://www.newmoneyhabits.com/budgeteers/helpful-tools

• Food Number Calculator (FREE): Simplify food budgeting and planning
  https://www.newmoneyhabits.com/budgeteers/helpful-tools

• Submit Your Questions: Email us at podcast@newmoneyhabits.com

• Join Our Free Facebook Group:
  https://www.facebook.com/groups/newmoneyhabits

• Schedule a Free Call with Coach Nino:
  https://www.newmoneyhabits.com/budgeteers/contact

• Online Course: How to Create a Better Budget: Your Foundation to Financial Freedom
  https://www.newmoneyhabits.com/bootcamp

Music Credits
This episode features music by Summer School.

Connect With Us
Follow @newmoneyhabits on social media for more insights, tools, and updates.

In this episode of The New Money Habits Podcast, Coach Nino Villa answers listener questions about budgeting for gift giving, paying off debt, and planning for spontaneous spending without creating financial stress.

Many people struggle to balance generosity, debt elimination, and everyday enjoyment. Nino walks through how intentional financial planning makes room for all three — without guilt or chaos.

In this conversation, you’ll learn:

• How to budget for gifts without disrupting your financial plan
• Why planning for “unexpected” spending reduces stress
• Practical steps for managing and eliminating debt
• How to build a money plan that supports both responsibility and enjoyment

Money management isn’t about restriction. It’s about intention.

When you plan ahead, you create space for generosity, progress, and peace of mind.

If you’re working to build better financial habits while staying grounded and realistic, this episode will help you think differently about budgeting, debt, and everyday spending.

For more tools and resources, visit NewMoneyHabits.com

Join the New Money Habits Community

• Join our free community and connect with others building healthier money habits

• Become a member starting at $5/month

• Start your 7-day free trial today

Helpful Resources Mentioned in This Episode

• Watch on YouTube: Full video version of this episode

• Payday Power Planner (FREE): Streamline your budgeting process
  https://www.newmoneyhabits.com/budgeteers/helpful-tools

• Food Number Calculator (FREE): Simplify food budgeting and planning
  https://www.newmoneyhabits.com/budgeteers/helpful-tools

• Submit Your Questions: Email us at podcast@newmoneyhabits.com

• Join Our Free Facebook Group:
  https://www.facebook.com/groups/newmoneyhabits

• Schedule a Free Call with Coach Nino:
  https://www.newmoneyhabits.com/budgeteers/contact

• Online Course: How to Create a Better Budget: Your Foundation to Financial Freedom
  https://www.newmoneyhabits.com/bootcamp

Music Credits
This episode features music by Summer School.

Connect With Us
Follow @newmoneyhabits on social media for more insights, tools, and updates.

Is clutter holding you back from financial progress?

In this episode of The New Money Habits Podcast, Coach Nino Villa and Maria Casillas explore the powerful connection between physical clutter, financial disorganization, and mental overwhelm. When your environment is chaotic, your money often follows — but the good news is that small, intentional changes can create massive momentum.

Nino and Maria break down how clutter silently drains your productivity, increases stress, and makes it harder to stay consistent with your financial goals. More importantly, they share practical strategies you can implement right away to regain control and create lasting habits.

In this episode, you’ll learn:

• Why clutter compounds over time — both financially and emotionally

• How organization can reduce stress and improve decision-making

• Simple ways to identify and eliminate financial clutter

• Time management strategies that support stronger money habits

• How teaching kids financial organization sets them up for long-term success

If you’re ready to simplify your life, sharpen your focus, and build a clearer path toward financial stability, this episode will give you the tools to start today.

Join the New Money Habits Community

• Join our free community and connect with others building healthier money habits

• Become a member starting at $5/month

• Start your 7-day free trial today

Helpful Resources Mentioned in This Episode

• Watch on YouTube: Full video version of this episode

• Payday Power Planner (FREE): Streamline your budgeting process
  https://www.newmoneyhabits.com/budgeteers/helpful-tools

• Food Number Calculator (FREE): Simplify food budgeting and planning
  https://www.newmoneyhabits.com/budgeteers/helpful-tools

• Submit Your Questions: Email us at podcast@newmoneyhabits.com

• Join Our Free Facebook Group:
  https://www.facebook.com/groups/newmoneyhabits

• Schedule a Free Call with Coach Nino:
  https://www.newmoneyhabits.com/budgeteers/contact

• Online Course: How to Create a Better Budget: Your Foundation to Financial Freedom
  https://www.newmoneyhabits.com/bootcamp

Music Credits
This episode features music by Summer School.

Connect With Us
Follow @newmoneyhabits on social media for more insights, tools, and updates.