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.

In this episode of The New Money Habits Podcast, Coach Nino Villa responds to a listener question many people wrestle with:
Should you focus on paying off debt first — or saving money?

Rather than offering a one-size-fits-all rule, Nino explains why financial principles stay consistent while execution should flex based on real life. He walks through a phased approach to debt elimination, helping listeners understand how to prioritize different types of debt while still maintaining a savings buffer for peace of mind.

This episode covers:

• How to think clearly about debt vs. savings

• Why execution matters more than rigid rules

• A phased strategy for tackling interest-bearing debt, non-interest debt, and charge-offs

• The role of a “peace of mind” fund

• Practical examples to help you apply these ideas to your own situation

If you’ve felt stuck between wanting to make progress on debt and needing financial stability, this episode offers a thoughtful framework to help you move forward with confidence.

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.

Emotional spending is rarely about money alone. In this episode of The New Money Habits Podcast, Coach Nino Villa and Maria Casillas explore the deep connection between emotional spending, mental health, and the habits that drive our financial decisions.

Using a real-life example from a Facebook group discussion about emotional eating and spending, Nino and Maria unpack the emotions, stressors, and societal pressures that often fuel unhealthy spending behaviors. They explain why simply “stopping the spending” rarely works and why understanding the emotional root behind financial choices is essential for lasting change.

This episode highlights the importance of emotional awareness, intentional spending, and having trusted people in your life who can offer support and honest perspective. If you’ve ever struggled with spending tied to stress, anxiety, or emotional overwhelm, this conversation provides clarity, compassion, and practical guidance for building healthier money habits.

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.

What happens when a financial coach faces real-life money struggles? In this powerful and transparent episode, Coach Nino Villa shares his personal financial journey, including navigating credit card debt, fluctuating income seasons, and difficult financial decisions. Nino opens up about the emotional weight of money, the lessons learned through financial setbacks, and how his perspective on debt, accountability, and stewardship has evolved over time.

This episode explores the importance of financial transparency, trusting God during challenging seasons, and staying grounded in basic financial principles even when circumstances feel overwhelming. Nino also discusses the role of giving, tithing, and faith in his financial decisions, offering encouragement to anyone walking through financial uncertainty.

Whether you’re working through debt, facing income instability, or seeking peace in your financial life, this episode provides honest insight, practical wisdom, and hope for moving forward with clarity and confidence.

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.