
Kelsa Dickey
Financial coach, founder of Financial Coach Academy and creator of the SpendFirst methodology, based in Phoenix, Arizona.
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Oct 6, 2026
Episode 95 - Your Bank Account is Lying to You
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2:38
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2:58

Kelsa DickeyGUEST
So it starts, or this is actually in the back of the book, and it, the title of this little section is called A Note from Kelsa, and it's, "After nearly 20 years of sitting across the table from people and their money, I've come to believe that generosity isn't about how much you have.

Kelsa DickeyGUEST
Some of the most generous people I've ever met barely have enough for themselves.

Kelsa DickeyGUEST
That impulse to give, to help, to show up for the people around you, that's already in you.

Kelsa DickeyGUEST
But when you're in survival mode, when every dollar is spoken for and every unexpected expense feels like a crisis, your world gets small.

Kelsa DickeyGUEST
When you're using all of your energy just to hold things together, there's no room to look up.

Kelsa DickeyGUEST
Financial security changes that, not because it makes you a better person, but because it gives you the capacity to be the person you already are.
How to Pay Yourself as a Business Owner Without Tracking Every Dollar
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Amanda KaufmanHOST
Like, I'll even ask you, like, have you found that when people really do adopt this rhythm that they kind of get more accurate anyway because they got those early wins, and then they just keep repeating, and they start seeing the patterns, and then they eventually end up with the accuracy anyhow?

Kelsa DickeyGUEST
We all refine as we learn, right? And yet, for some reason, when it comes to money, there is this black and white perfectionism sort of mentality.

Kelsa DickeyGUEST
And maybe because it's numbers, but numbers are actually the easiest part because it's mostly just addition and subtraction.

Kelsa DickeyGUEST
It's actually the flow, the rhythm, the habits, the belief system, that sort of thing.
6 MINS LATER
What the Money Pros Are Saying, Live From FinCon 2026
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What are your impressions of FinCon, the people here? What do you really see people getting out of a conference like this?

Kelsa DickeyGUEST
The first thing that I would say about the people here is that they all want to help people with money in some way, shape or form.

Kelsa DickeyGUEST
So some folks want to help people travel on rewards points or retire early or communicate better with their spouse about money.
8:01
The other question is, and this doesn't have to be your No. 1 tip of all time, but I'm asking people about something that might have been inspired from FinCon or something in your life lately that you think is a good money tip that you think would be interesting to share.
#78: When Good Advice Isn't Yours to Take: Kelsa Dickey's Transformational Guide Story
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18:01

Macy RobisonHOST
And since this is the first guest client episode where I'm doing the interviewing and we share the exact same primary archetype, I want you to listen for some of the similarities and differences in our experiences as we talk together.

Kelsa DickeyGUEST
Started as a financial advisor even before that for a few years because when I was in middle school, my mom really always struggled with money growing up, but it was in middle school that I saw she filed bankruptcy.

Kelsa DickeyGUEST
I remember seeing her sit at our kitchen table sometimes for hours, just trying to get a handle of her money, trying to manage it better.

Kelsa DickeyGUEST
She would have a stack of mail in front of her and then a stack of unopened mail and a legal pad and a calculator.
14 MINS LATER

Macy RobisonHOST
And that's a lot of what I, from my seat, it feels like you've done, which is so inspiring to watch.

