<p>Rachel Covert is a financial coach, founder of Electrify Wealth, and creator of the Rachel Talks Money platform. A former New York City fashion VP at Isaac Mizrahi Live, Rachel walked away from the corporate ladder after realizing that lifestyle creep and overconsumption weren&#39;t just draining her bank account — they were stealing her identity. She&#39;s been featured on NASDAQ and now helps people get out of debt, break the impulse spending cycle, and start building actual wealth.</p><p>She currently lives in Portugal, where the contrast with American consumer culture couldn&#39;t be more stark — and it informs everything she teaches.</p><p>This episode is a practical, no-math-required conversation about money. Whether you have credit card debt, no savings, or just feel like the money comes in and goes straight back out — this one is for you.</p><p><strong>In this episode, we cover:</strong></p><ul><li><p>Why overconsumption is a societal norm baked into American culture — and why awareness, not shame, is the starting point</p></li><li><p>The dopamine cycle behind impulse shopping and why most of the hit comes from the anticipation, not the purchase</p></li><li><p>How your nervous system drives your money decisions — and why staying broke can feel &quot;safe&quot; if that&#39;s how you grew up</p></li><li><p>How influencers are wired to get you to spend and how to stop emulating and start building your own financial identity</p></li><li><p>Living in Portugal vs. the US — what a culture with a tenth of the consumption looks like</p></li><li><p>The &quot;wiggle room&quot; number — the only money math you actually need to know</p></li><li><p>Why avoiding your finances is already the wrong thing — and how even 40% effort makes a real difference</p></li><li><p>Credit card debt, interest rates, and why the points system is mostly a trap if you&#39;re carrying a balance</p></li><li><p>The &quot;eternal employee&quot; cycle — what keeps people from ever being able to retire</p></li><li><p>How to teach your kids about credit cards the right way</p></li><li><p>Why retirement isn&#39;t an age, it&#39;s a number — and how to start thinking about it no matter where you are right now</p></li><li><p>401k basics, employer matching, and why boring investing beats sexy investing every time</p></li><li><p>Why you won&#39;t remember the things you didn&#39;t buy — but you will remember Italy</p></li><li><p>Her one piece of advice: be patient with yourself, pick a sustainable strategy, and compare yourself only to where you started</p></li></ul><p>If you’re trying to control spending, pay off debt and build wealth, tune in. Don’t forget to like, share and subscribe.</p><p><br></p><p><strong>Connect with Rachel</strong></p><p>Instagram: <a href="https://www.instagram.com/rachel_talksmoney/"><u>https://www.instagram.com/rachel_talksmoney/</u></a></p><p>Tiktok: <a href="https://www.tiktok.com/@rachel_talksmoney?lang=en"><u>https://www.tiktok.com/@rachel_talksmoney?lang=en</u></a></p><p>Facebook: <a href="https://www.facebook.com/people/Rachel-Talks-Money/61556383892353/#"><u>https://www.facebook.com/people/Rachel-Talks-Money/61556383892353/#</u></a></p><p>Website: <a href="https://www.racheltalksmoney.com/"><u>https://www.racheltalksmoney.com/</u></a></p>