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In this episode, Tricia Marcai - a seasoned financial coach - shares her compelling journey from financial despair to empowerment. Starting from her college days, when financial naivety led her into a spiral of debt and emotional turmoil, Tricia recounts the pivotal moments that propelled her toward financial literacy and independence. She opens up about the challenges of managing finances in a partnership, the shock of discovering financial infidelity, and the crushing weight of debt that seemed insurmountable. However, it was through these trials that Tricia found her calling.

Embracing her struggles as learning opportunities, Tricia embarked on a self-taught financial education journey that not only helped her climb out of debt but also fueled her passion for helping others navigate their financial woes. She discusses the transition from a career in banking to launching her own financial coaching business, emphasizing the importance of aligning finances with personal values and goals.

Throughout the episode, Tricia offers practical advice on budgeting, saving, and investing, stressing the importance of financial awareness and proactive management. She also delves into the psychological aspects of money management, highlighting how our beliefs and attitudes towards money can significantly impact our financial health.

Listeners will find Tricia's story relatable and inspiring. Her practical tips, combined with her empathetic approach, make financial empowerment seem attainable for anyone willing to take control of their finances and, by extension, their lives.

 *Small correction: in the audio, I mention my friend, who I refer to as a vice president at Junior Achievement. He is actually the Director of Global Development. 

- 00:00 - Introduction to Tricia Marcai and her financial coaching expertise.
- 00:28 - Tricia shares her backstory and the challenges that led her to financial coaching.
- **01:24** - The turning point: Realizing the impact of financial neglect and taking control.
- **03:44** - Starting anew: From living in a closet to financial literacy and success.
- **05:09** - The motivation behind Tricia's financial transformation and dedication to coaching.
- **06:07** - Transitioning from corporate banking to starting her own coaching business.
- **09:03** - Tricia's unique approach to budgeting and financial coaching.
- **11:27** - Exploring different attitudes towards money and their impact on financial behavior.
- **13:18** - Addressing underlying issues behind financial problems through coaching.
- **15:08** - Importance of understanding and improving credit scores.
- **17:42** - Diving into the psychology of money and shifting beliefs for better financial health.
- **21:28** - Tricia emphasizes continuous learning and growth in financial literacy.
- **24:20** - Making a difference within the corporate banking environment.
- **26:15** - Recommendations for incorporating financial education into the school curriculum.
- **30:06** - Exploring budget allocation and prioritizing savings before debt repayment.
- **33:12** - The significance of seeking financial coaching for tailored advice and strategies.
- **36:04** - Addressing common barriers to seeking financial coaching.
- **39:55** - The relationship between financial coaching and personal development.
- **44:33** - Practical steps for those struggling financially and considering coaching.
- **49:12** - Exploring underutilized financial tools and strategies for growth and security.
- **53:29** - The importance of discussing money openly and making informed financial decisions.