Financially Speaking

Bitcoin dropped from its all-time high of $126,210 to around $84,700—its worst month in two years. While retail investors panic-sell, institutional investors like Abu Dhabi's sovereign wealth fund are quietly buying the dip. So who's really losing here?In this episode of Confidently Crypto, Dr. Tonya M. Evans breaks down why this crash created the single biggest tax-saving opportunity of 2025—and why it expires December 31st. Dr. Evans explains tax-loss harvesting: a legal strategy that allows you to sell assets at a loss, offset your capital gains, and potentially save thousands on your tax bill. She reveals why crypto's unique tax treatment (no wash sale rule—yet) gives investors an advantage that stock traders don't have. The episode also provides critical historical context: Bitcoin has crashed 30%+ at least seven times, and every single crash has been followed by a recovery to new all-time highs. With only 21 million Bitcoin ever to exist—and 94% already in circulation—scarcity is built into the code. Unlike the dollar, no one can print more Bitcoin out of thin air. Dr. Evans encourages listeners to adopt a long-term perspective, think like institutional investors, and use this moment strategically rather than emotionally. She provides a step-by-step year-end action plan, breaks down new 2025 IRS per-wallet tracking requirements, and offers practical advice for navigating the current market conditions.Don't crash out in the crash. Cash in.Visit Dr. Evans' website at: www.ProfTonyaEvans.comFollow her socials: @IPProfEvansTo listen to more of Dr. Tonya Evans' Podcasts, Visit: https://proftonyaevans.com/podcasts/ Strategic Advisor | Digital Assets & Regulatory PolicyAdvantage Evans, LLC 📖 Author: Digital Money Demystified | Electing Crypto🎙️ Host: Confidently Crypto on SiriusXM🔗 Connect: ProfTonyaEvans.com📬 Subscribe: FinTech News & Trends Report Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In today’s episode, “Innovation Isn’t an Event — It’s a Practice” with Innovation Architect Carla Johnson, host Jacquette invites us into a transformative conversation that redefines innovation: not as a flash of genius, but as a way of life.Together, they explore the powerful parallels between innovation and money, revealing how our mindset, habits, and everyday choices shape both. Carla shares how observation fuels creativity, and how anyone can become an innovator by practicing curiosity, courage, and intentionality.If you’ve ever felt stuck or unsure how to spark change, this episode is your invitation to shift your perspective and unlock your creative power. Tune in and start cultivating your inner innovator—one bold thought at a time.Financial Behaviorist Jacquette M. Timmons explores the psychology, emotions, and math of money each week so that you can make better, smarter choices regardless of where you fall on the income or wealth spectrum. #money #financialbehaviorist #jacquettetimmons #financialgrowthwww.jacquettetimmons.comwww.jacquettetimmons.com/digital-productswww.instagram.com/jacquettemtimmonsBuyMeACoffee.com/Jacquette Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Africa isn't catching up on crypto—it's leading. Dr. Tonya M. Evans talks with Mimi Kufuor, CEO of KoinKoin Ghana, about building a digital asset platform driven by utility, not speculation. Mimi shares her journey from Meta to African fintech, explaining why stablecoins prevent money from fluctuating in everyday transactions, how KoinKoin doubled revenues to £150 million across Nigeria, Ghana, Kenya, and South Africa, and what it means to advocate for women in tech leadership while bridging traditional finance and decentralized ecosystems. This conversation challenges American assumptions about where real crypto innovation is happening. Subscribe and share with anyone who needs this perspective. Visit Dr. Evans' website at: www.ProfTonyaEvans.comFollow her socials: @IPProfEvansTo listen to more of Dr. Tonya Evans' Podcasts, Visit: https://proftonyaevans.com/podcasts/ Strategic Advisor | Digital Assets & Regulatory PolicyAdvantage Evans, LLC 📖 Author: Digital Money Demystified | Electing Crypto🎙️ Host: Confidently Crypto on SiriusXM🔗 Connect: ProfTonyaEvans.com📬 Subscribe: FinTech News & Trends Report Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

What if your outcome wasn’t a reflection of effort, but of something deeper—something you define yourself? In today’s episode, "A Harvest Isn't Always What You Planted," host Jacquette challenges the conventional wisdom that hard work equals worth. She invites you to explore a more honest truth: the harvest always reveals what truly took root, whether or not it was what you intended to sow. So, instead of labeling outcomes as “good” or “bad,” she urges us to, instead, examine what grew—and why. Because in that raw honesty lies the real lesson.Financial Behaviorist Jacquette M. Timmons explores the psychology, emotions, and math of money each week so that you can make better, smarter choices regardless of where you fall on the income or wealth spectrum. #money #financialbehaviorist #jacquettetimmons #financialgrowthwww.jacquettetimmons.comwww.jacquettetimmons.com/digital-productswww.instagram.com/jacquettemtimmonsBuyMeACoffee.com/Jacquette Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Confidently Crypto, Dr. Tonya Evans explores the current state of the cryptocurrency market and its connection to the broader economy, particularly in light of recent actions by the Federal Reserve. She draws parallels between today's economic conditions and the 2008 financial crisis, emphasizing the importance of Bitcoin as a response to systemic failures in traditional finance. The episode highlights the need for education and preparation in navigating the evolving financial landscape, advocating for financial sovereignty through understanding and engagement with digital assets.Visit Dr. Evans' website at: www.ProfTonyaEvans.comFollow her socials: @IPProfEvansTo listen to more of Dr. Tonya Evans' Podcasts, Visit: https://proftonyaevans.com/podcasts/ Strategic Advisor | Digital Assets & Regulatory PolicyAdvantage Evans, LLC 📖 Author: Digital Money Demystified | Electing Crypto🎙️ Host: Confidently Crypto on SiriusXM🔗 Connect: ProfTonyaEvans.com📬 Subscribe: FinTech News & Trends Report Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In todays episode, Dr. Tisa is joined by Melanie Mason, MS, MBA, Director of Programs and Administration for the Maryland Center for Collegiate Financial Wellness. Melanie is also a realtor and founder of Mason Consulting Company, a boutique firm that provides services to higher education institutions, nonprofits and small businesses. Together they share the do's and don'ts of funding your college experience! Tisa Silver Canady, EdD, MBA, is a financial wellness advocate for today’s scholar. As an author and collegiate financial wellness expert specializing in student loan debt, she has personally advised students and families on the repayment of more than $100 million in student loans. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Ideas don’t just arrive; they evolve. It’s the quiet, often invisible choices—the ones no one else notices—that ultimately shape the "Big Decision." In today’s episode, “The Power of the Choices You Make That Others Don’t See,” host Jacquette dives into the three truths about our choices: your intention, your impact, and your why. Tune in to see why these truths reveal the power behind every subtle choice we make.Financial Behaviorist Jacquette M. Timmons explores the psychology, emotions, and math of money each week so that you can make better, smarter choices regardless of where you fall on the income or wealth spectrum. #money #financialbehaviorist #jacquettetimmons #financialgrowthwww.jacquettetimmons.comwww.jacquettetimmons.com/digital-productswww.instagram.com/jacquettemtimmonsBuyMeACoffee.com/Jacquette Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Confidently Crypto, Dr. Tonya M. Evans sits down with Peter Frimpong Manso, convener of the Digital Assets Summit Africa (DASA), to unpack how digital assets are transforming Africa’s financial future. Drawing on 15 years of supply chain and procurement experience at BP and Fujitsu, Peter reframes crypto as critical financial infrastructure—not speculation. Together, they explore Ghana’s leadership through the Bank of Ghana’s crypto licensing framework, the need for regulation that fuels innovation rather than just policing risk, and how Africa’s $5.6 billion digital assets market by 2025 could unlock real financial inclusion. Peter shares how DASA brings together central banks, regulators, stock exchanges, and institutional investors to shape the continent’s digital economy—and why this annual platform is essential for advancing financial sovereignty and “resistance money” across Africa. Visit Dr. Evans' website at: www.ProfTonyaEvans.comFollow her socials: @IPProfEvansTo listen to more of Dr. Tonya Evans' Podcasts, Visit: https://proftonyaevans.com/podcasts/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

As the iconic movie line reminds us, “Life is like a box of chocolates; you never know what you're gonna get.” And sometimes, what you get isn’t what you hoped for, but that doesn’t mean the story ends there. In today’s episode, “The Result Wasn't What I Wanted: But, I'm Not Discouraged,” host Jacquette dives into the power of embracing disappointment, not as defeat, but as a stepping stone. She invites listeners to honor their feelings, recognizing disappointment as a natural, fleeting emotion that can offer valuable insight. With a simple shift in perspective, we can turn setbacks into fuel, keep discouragement at bay, and tap into the wisdom that every moment, sweet or bittersweet, has to offer.Financial Behaviorist Jacquette M. Timmons explores the psychology, emotions, and math of money each week so that you can make better, smarter choices regardless of where you fall on the income or wealth spectrum. #money #financialbehaviorist #jacquettetimmons #financialgrowthwww.jacquettetimmons.comwww.jacquettetimmons.com/digital-productswww.instagram.com/jacquettemtimmonsBuyMeACoffee.com/Jacquette Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

How a Texas mother used crypto to escape financial abuse when traditional banks couldn't protect her. Dr. Tonya Evans and Ali Tager from the National Cryptocurrency Association share real stories of everyday Americans finding financial freedom through digital assets. Discover why women and underserved communities are turning to cryptocurrency for privacy, autonomy, and wealth building beyond Wall Street. Ali reveals NCA's crypto holder survey findings and new educational tools launching soon, including a risk-free simulator for beginners. This conversation delivers practical guidance on getting started confidently, from setting up wallets to understanding what makes crypto different from traditional finance. Visit Dr. Evans' website at: www.ProfTonyaEvans.comFollow her socials: @IPProfEvansTo listen to more of Dr. Tonya Evans' Podcasts, Visit: https://proftonyaevans.com/podcasts/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Dr. Tisa explains three facts about student loan forgiveness under Trump, how the headlines often miss the point, and what borrowers can expect now that the administration has agreed to resume processing loan forgiveness! Tisa Silver Canady, EdD, MBA, is a financial wellness advocate for today’s scholar. As an author and collegiate financial wellness expert specializing in student loan debt, she has personally advised students and families on the repayment of more than $100 million in student loans. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In moments of doubt, your choices reveal what you truly value, fear, and prioritize. In today’s episode of “When Life Is Messy, Do You Ever Wonder if You're Being Tone Deaf?” Jacquette explores what it means to lead with clarity, compassion, and conviction, even when life feels a bit off-kilter, or "messy." Tune in to learn how to stop second-guessing your impact and start trusting the power you bring.Financial Behaviorist Jacquette M. Timmons explores the psychology, emotions, and math of money each week so that you can make better, smarter choices regardless of where you fall on the income or wealth spectrum. #money #financialbehaviorist #jacquettetimmons #financialgrowthwww.jacquettetimmons.comwww.jacquettetimmons.com/digital-productswww.instagram.com/jacquettemtimmonsBuyMeACoffee.com/Jacquette Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

What happens when the grid goes down or banks freeze accounts? Dr. Tonya M. Evans explores the rise of offline digital money—“freedom money”—and why it’s key to democracy. From Ghana’s e-zwich to India’s digital rupee and the lessons of EndSARS, she reveals how resilient payment systems protect rights when connected ones fail. Plus, she shares lessons from her e-book, The Cooperative Economics of Crypto. Visit Dr. Evans' website at: www.ProfTonyaEvans.comFollow her socials: @IPProfEvansTo listen to more of Dr. Tonya Evans' Podcasts, Visit: https://proftonyaevans.com/podcasts/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

September arrives, bringing a crisp breeze and a variety of rich, earthy tones. It moves us from the fast pace of Summer to the mindful rhythm of Fall, serving as nature’s gentle reminder that change is both beautiful and necessary. For many, this month sparks a quiet sense of renewal, like a bonus New Year. So, in today's episode, "Why Does September Represent a Powerful Sense of New Beginnings," host Jacquette invites listeners to pause, reflect, and embrace transitions, offering ways to recognize how change reshapes and refines our skills and prepares us for what’s ahead.Financial Behaviorist Jacquette M. Timmons explores the psychology, emotions, and math of money each week so that you can make better, smarter choices regardless of where you fall on the income or wealth spectrum. #money #financialbehaviorist #jacquettetimmons #financialgrowthwww.jacquettetimmons.comwww.jacquettetimmons.com/digital-productswww.instagram.com/jacquettemtimmonsBuyMeACoffee.com/Jacquette Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Is crypto safe for women investors, professionals and innovators? In this episode, Dr. Tonya M. Evans debunks 5 persistent myths keeping women out of the digital asset economy, exposes common scams and imposter tactics, and profiles Black women leaders building the future of finance: EMTECH's Carmelle Cadet, KoinKoin's Mimi Kufuor, and the Association for Women in Cryptocurrency's Adilah Holivay. Learn why women hold only 26% of crypto globally—yet outperform when they invest. Discover how blockchain enables cross-border payments, financial inclusion, and wealth building without gatekeepers. Plus: a tiered action plan to start investing safely, red flags to avoid, and how to verify you're following the REAL Dr. Tonya Evans (not imposters).Visit Dr. Evans' website at: www.ProfTonyaEvans.comFollow her socials: @IPProfEvansTo listen to more of Dr. Tonya Evans' Podcasts, Visit: https://proftonyaevans.com/podcasts/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

History doesn’t always repeat, but it echoes loudly. In today’s episode, "Who Gets to Decide What Your Labor is Worth?", host Jacquette dives into the overlooked legacy of Black labor activists who fought for equity while being denied it themselves. Despite pushing for justice for all workers, they were excluded from the very movements they helped build, leading to the creation of The Colored National Labor Union (CNLU) in 1869. Through this retelling, Jacquette implores listeners to rethink pricing and pay—not just as numbers, but as acts of self-advocacy. Whether you're negotiating a raise or setting your rates, claiming your worth is a radical, personal form of activism. And no one is better positioned to lead that charge than you.Financial Behaviorist Jacquette M. Timmons explores the psychology, emotions, and math of money each week so that you can make better, smarter choices regardless of where you fall on the income or wealth spectrum. #money #financialbehaviorist #jacquettetimmons #financialgrowthAlso check out: Pricing Made Human Experiencewww.jacquettetimmons.comwww.jacquettetimmons.com/digital-productswww.instagram.com/jacquettemtimmonsBuyMeACoffee.com/Jacquette Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

What happens when artificial intelligence starts managing money on the blockchain? In this episode, Dr. Tonya M. Evans explores the rise of "DeAI"—the fusion of AI and decentralized finance—and what it means for regulators, investors, and innovators. Discover how autonomous systems are reshaping markets, compliance, and opportunity while challenging exclusionary legacy systems that have long limited access to wealth. From regulatory readiness to democratized finance, Dr. Evans explains why transparency, accountability, and technological competence will determine who thrives—and who’s left behind—in the next generation of the global digital economy. Visit Dr. Evans' website at: www.ProfTonyaEvans.comFollow her socials: @IPProfEvansTo listen to more of Dr. Tonya Evans' Podcasts, Visit: https://proftonyaevans.com/podcasts/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Price isn’t just a number—it’s the story behind every financial choice. What you’re really investing in often goes beyond the product itself: it’s the speed of a solution, the relief of peace of mind, the access to opportunity, the trust you place, and the reassurance you crave. In today’s episode, "Are You Curious About the Deeper Layers of Your Money Decisions?" host Jacquette lifts the veil on these hidden forces shaping how we spend and decide. Follow her as she unpacks the intricate emotions and insights tied to financial decisions, showing how entrepreneurs and clients face this shared, complex journey.Financial Behaviorist Jacquette M. Timmons explores the psychology, emotions, and math of money each week so that you can make better, smarter choices regardless of where you fall on the income or wealth spectrum. #money #financialbehaviorist #jacquettetimmons #financialgrowthAlso check out: Pricing Made Human Experiencewww.jacquettetimmons.comwww.jacquettetimmons.com/digital-productswww.instagram.com/jacquettemtimmonsBuyMeACoffee.com/Jacquette Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Confidently Crypto, Professor Tonya M. Evans reflects on her journey through Accra, from walking through W.E.B. Du Bois’ home to standing at the Kwame Nkrumah Memorial, and connects these powerful moments in history to the future of Africa’s digital economy. Drawing from her keynote at the Digital Assets Summit Africa, she explores Ghana’s pioneering role with mobile money and the upcoming eCedi CBDC, Nigeria’s new securities framework for virtual assets, and South Africa’s licensing regime for crypto providers. She also weaves in global developments, including the London Stock Exchange’s move into tokenization, and President Mahama’s call for a 24-hour economy and Africa’s permanent seat at the global table. The result is a compelling narrative about innovation, regulation, and digital sovereignty, and why the future of finance is deeply tied to Africa’s leadership. Visit Dr. Evans' website at: www.ProfTonyaEvans.comFollow her socials: @IPProfEvansTo listen to more of Dr. Tonya Evans' Podcasts, Visit: https://proftonyaevans.com/podcasts/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In Part 3 of Dr. Tisa's series on the effects the "Big, Beautiful Bill" Act with have on loan repayment, this episode is specifically for people who will be borrowing for the first time after July 1, 2026. Changes involve a lot of limits that make it even more important for students and families to be strategic about selecting a college or career school and how to pay for it, especially when loans are involved. Highlights:-New borrowing limits and how they compare to the average cost of college-Fewer repayment options, especially for parents-Forgiveness is not gone but will be delayed Tisa Silver Canady, EdD, MBA, is a financial wellness advocate for today’s scholar. As an author and collegiate financial wellness expert specializing in student loan debt, she has personally advised students and families on the repayment of more than $100 million in student loans. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

As you grow, so do your clients. Your goal should be to notice when their growth aligns with or causes friction in yours. In today's episode, " Is Your Pricing Actually Keeping Pace With Your Client's Growth?" host Jacquette shares three ways client growth can manifest: in their financial capacity and/or "perception score," changes in their values and priorities, and increased expectations. Check out today's episode to learn how to embrace and price correctly for whatever stage of evolution you and your clients are at.Financial Behaviorist Jacquette M. Timmons explores the psychology, emotions, and math of money each week so that you can make better, smarter choices regardless of where you fall on the income or wealth spectrum. #money #financialbehaviorist #jacquettetimmons #financialgrowthAlso check out: Pricing Made Human Experiencewww.jacquettetimmons.comwww.jacquettetimmons.com/digital-productswww.instagram.com/jacquettemtimmonsBuyMeACoffee.com/Jacquette Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this final episode of our Cooperative Economics of Crypto in Africa series, Prof. Tonya M. Evans takes you behind the scenes of her upcoming keynote at Digital Assets Summit Africa 2025. She breaks down a simple five-lens playbook for smarter, safer crypto adoption, explains why stablecoins matter, and highlights Ghanaian fintech innovators like WeWire, Nala, Busha, Kotani Pay and Startbutton. The big takeaway? Local choices in Africa’s digital economy are shaping the future of money worldwide. Visit Dr. Evans' website at: www.ProfTonyaEvans.comFollow her socials: @IPProfEvansTo listen to more of Dr. Tonya Evans' Podcasts, Visit: https://proftonyaevans.com/podcasts/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Imagine driving a car with misaligned wheels; it takes more effort, burns more fuel, and wears down faster. The same goes for business: when your pricing isn’t aligned with your growth, you're working harder than you need to. In today’s episode, “Is Your Pricing Out of Sync with Your Growth?”, host Jacquette breaks down how to bring your pricing strategy into harmony with your evolving capacity, skills, and expertise. So, if you want to realign and move forward with clarity and confidence, tune in!Also check out: Pricing Made Human ExperienceFinancial Behaviorist Jacquette M. Timmons explores the psychology, emotions, and math of money each week so that you can make better, smarter choices regardless of where you fall on the income or wealth spectrum. #money #financialbehaviorist #jacquettetimmons #financialgrowthwww.jacquettetimmons.comwww.jacquettetimmons.com/digital-productswww.instagram.com/jacquettemtimmonsBuyMeACoffee.com/Jacquette Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode, Dr. Tonya M. Evans continues her Cooperative Economics of Crypto in Africa series and reveals how Ghana, Nigeria, and South Africa went from crypto critics to joining the effort to lead globally in just 24 months. Discover how Africans are using text messages to send digital money without internet, how local startups are processing over a billion dollars in cross-border payments, and why government digital currencies are working alongside stablecoins to serve 1.4 billion people. From officially licensed crypto exchanges to payment apps that work on flip phones, Africa is showing the world how blockchain technology solves real problems beyond just trading and speculation. Visit Dr. Evans' website at: www.ProfTonyaEvans.comFollow her socials: @IPProfEvansTo listen to more of Dr. Tonya Evans' Podcasts, Visit: https://proftonyaevans.com/podcasts/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

When you truly care about something, watching it blossom—flourish, thrive, GROW—is the ultimate goal. But what if it costs you? Trick question because growth is never free. And although cost isn't always monetary, the resulting growth often reflects in pricing. In today's episode, "Do You Love the Results of Growth, But Not What it Costs?" host Jacquette speaks openly about recent changes she's made in her business, the different costs involved, and why it's important to honor the journey of growth as a whole!Financial Behaviorist Jacquette M. Timmons explores the psychology, emotions, and math of money each week so that you can make better, smarter choices regardless of where you fall on the income or wealth spectrum. #money #financialbehaviorist #jacquettetimmons #financialgrowthwww.jacquettetimmons.comwww.jacquettetimmons.com/digital-productswww.instagram.com/jacquettemtimmonsBuyMeACoffee.com/Jacquette Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode, Dr. Tonya Evans explores the transformative potential of remittances and stablecoins in Africa, emphasizing the importance of cooperative economics and regulatory leadership. She discusses how crypto adoption is reshaping financial practices, particularly for small businesses and families, and highlights the need for a balanced approach to regulation that fosters innovation while protecting consumers. The conversation culminates in practical steps for engaging with crypto, particularly in the context of remittances and treasury management. This episode's focus is: Money In, Money Out - How Stablecoins Cut Costs and Grow Local Business. Visit Dr. Evans' website at: www.ProfTonyaEvans.comFollow her socials: @IPProfEvansTo listen to more of Dr. Tonya Evans' Podcasts, Visit: https://proftonyaevans.com/podcasts/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In today's episode, "Making Money Make Sense — 4 Truths to Rethink How You Earn, Spend, and Decide," host Jacquette provides a quick overview of the central theme "Making Money Make Sense," which is explored in episodes 263-266. She also highlights why priority, energy, relationships, and self-trust are all important factors in your financial journey.Financial Behaviorist Jacquette M. Timmons explores the psychology, emotions, and math of money each week so that you can make better, smarter choices regardless of where you fall on the income or wealth spectrum. #money #financialbehaviorist #jacquettetimmons #financialgrowthwww.jacquettetimmons.comwww.jacquettetimmons.com/digital-productswww.instagram.com/jacquettemtimmonsBuyMeACoffee.com/Jacquette Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In Part 2 of Dr. Tisa's Big, Beautiful Bill & Loan Repayment series, Dr. Tisa dedicates this episode to parents who are already repaying Parent PLUS Loans. She reviews time sensitive information and gives a list of actions to take and questions to answer to make sure parents are prepared before most of the changes from the BBB go into effect next year. Tisa Silver Canady, EdD, MBA, is a financial wellness advocate for today’s scholar. As an author and collegiate financial wellness expert specializing in student loan debt, she has personally advised students and families on the repayment of more than $100 million in student loans. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode, Dr. Tonya Evans explores the transformative role of crypto and digital finance in Africa, emphasizing the continent's unique position to leverage cooperative economics and mobile money systems. She discusses the regulatory landscape, the dominance of stablecoins, and how traditional cooperative finance practices are being integrated with modern technology to create a more inclusive financial ecosystem. The conversation highlights practical use cases of stablecoins in Africa, contrasting them with Bitcoin's volatility, and calls for a shift in perception about crypto from speculation to utility. Visit Dr. Evans' website at: www.ProfTonyaEvans.comFollow her socials: @IPProfEvansTo listen to more of Dr. Tonya Evans' Podcasts, Visit: https://proftonyaevans.com/podcasts/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

What is the connection between the money in your personal account and what's in your business account? It's YOUR money! Yes, it's that simple. In today's episode, "Never Underestimate How Personal Money Is — Especially in Business," host Jacquette shares five reasons to keep personal and business accounts separate and offers insights on why adopting a more unified mindset when comparing the two can be just as beneficial.Financial Behaviorist Jacquette M. Timmons explores the psychology, emotions, and math of money each week so that you can make better, smarter choices regardless of where you fall on the income or wealth spectrum. #money #financialbehaviorist #jacquettetimmons #financialgrowthwww.jacquettetimmons.comwww.jacquettetimmons.com/digital-productswww.instagram.com/jacquettemtimmonsBuyMeACoffee.com/Jacquette Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Check out this throwback to the FIRST episode of Confidently Crypto from 12/16/24 where Dr. Evans shares her journey into the crypto realm, lays down some fundamentals and introduces certain terms we should know when entering this space! Visit Dr. Evans' website at: www.ProfTonyaEvans.comFollow her socials: @IPProfEvansTo listen to more of Dr. Tonya Evans' Podcasts, Visit: https://proftonyaevans.com/podcasts/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

When it comes to making money decisions, there’s no “one size fits all” approach or simple solution. However, most decisions rely on three key elements: strategy, system, and self-trust. In today’s episode, "Here’s an Unusual Way to Strengthen Your Self-Trust - With Money," host Jacquette explains why self-trust is the glue that holds everything together, while tools like the Financial Flywheel™ help boost your confidence in decision-making, leaving little room for self-doubt to creep in.Financial Behaviorist Jacquette M. Timmons explores the psychology, emotions, and math of money each week so that you can make better, smarter choices regardless of where you fall on the income or wealth spectrum. #money #financialbehaviorist #jacquettetimmons #financialgrowthwww.jacquettetimmons.comwww.jacquettetimmons.com/digital-productswww.instagram.com/jacquettemtimmonsBuyMeACoffee.com/Jacquette Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Check out this throwback episode of Confidently Crypto w/ Dr. Tonya Evans from 3.10.25! In this episode of Confidently Crypto, Dr. Tonya M. Evans discusses the critical role of women in the evolving landscape of cryptocurrency and blockchain technology. She also fact checks Rachel Maddow's recent comments on crypto being a "simple scam."She emphasizes the importance of financial independence and inclusion, particularly for marginalized communities. The conversation also addresses common misconceptions about crypto, the regulatory challenges it faces, and the inherent value and volatility of digital assets. Dr. Evans advocates for a more nuanced understanding of crypto's potential to empower individuals and transform financial systems. Visit Dr. Evans' website at: www.ProfTonyaEvans.comFollow her socials: @IPProfEvansTo listen to more of Dr. Tonya Evans' Podcasts, Visit: https://proftonyaevans.com/podcasts/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Check out Dr. Tisa's first episode in a three-part series for borrowers about the "Big, Beautiful Bill," where she breaks down what they can expect and what they should do. This episode focuses on the BBB's impact on people who already have loans for themselves. Tisa Silver Canady, EdD, MBA, is a financial wellness advocate for today’s scholar. As an author and collegiate financial wellness expert specializing in student loan debt, she has personally advised students and families on the repayment of more than $100 million in student loans. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Yes, you may be successful on paper, but do you feel it? If your focus is on money management, listen to today's podcast "Does Your Success Feel as Solid as It Looks?" by host Jacquette, and discover how and what elements you should balance so that your success feels as good as it looks. Don’t just chase the numbers—feel the victory!Financial Behaviorist Jacquette M. Timmons explores the psychology, emotions, and math of money each week so that you can make better, smarter choices regardless of where you fall on the income or wealth spectrum. #money #financialbehaviorist #jacquettetimmons #financialgrowthwww.jacquettetimmons.comwww.jacquettetimmons.com/digital-productswww.instagram.com/jacquettemtimmonsBuyMeACoffee.com/Jacquette Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Confidently Crypto, Dr. Tonya Evans breaks down Trump's August 7th executive order allowing cryptocurrency investments in 401(k) plans, and what it means for your retirement strategy. Discover the difference between existing Bitcoin IRAs and new 401(k) crypto options, learn the three critical questions every retirement saver should ask their financial advisor, and understand why this regulatory clarity creates massive opportunities for informed investors. Dr. Evans also covers this week's crypto market surge (Bitcoin hit $122,838, Ethereum surpassed $4,000), the SEC's conclusion of the Ripple case, and why the criminal WNBA court disruptions by a meme coin creator shouldn't derail legitimate digital asset adoption—plus why we need to separate crypto technology from troublemakers seeking cheap publicity. Visit Dr. Evans' website at: www.ProfTonyaEvans.comFollow her socials: @IPProfEvansTo listen to more of Dr. Tonya Evans' Podcasts, Visit: https://proftonyaevans.com/podcasts/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In today's episode, Dr. Tisa talks about "good jeans": American Eagle Outfitters and Levi's. These two billion dollar companies with new celebrity ads, created buzz for both and a stock market pop for one after President Trump shared his thoughts. But here's the question for investors: Is it news or noise? Tisa Silver Canady, EdD, MBA, is a financial wellness advocate for today’s scholar. As an author and collegiate financial wellness expert specializing in student loan debt, she has personally advised students and families on the repayment of more than $100 million in student loans. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

You can run from it or embrace it as the friend it truly is. Yes, we're talking about mid-year reviews, and yes... they can be a bit tedious or even intimidating at times but tune into today's episode "This May Actually Help You Rewire Your Relationship With Mid-Year Reviews," where host Jacquette explains why mid-year reviews can provide valuable hindsight. And, as the saying goes, hindsight is 20/20.Financial Behaviorist Jacquette M. Timmons explores the psychology, emotions, and math of money each week so that you can make better, smarter choices regardless of where you fall on the income or wealth spectrum. #money #financialbehaviorist #jacquettetimmons #financialgrowthwww.jacquettetimmons.comwww.jacquettetimmons.com/digital-productswww.instagram.com/jacquettemtimmonsBuyMeACoffee.com/Jacquette Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Confidently Crypto, Dr. Tonya Evans discusses the significant opportunities arising from the White House Digital Assets Report and recent regulatory clarity in the crypto industry. While the industry spent $245 million securing this regulatory framework, almost no lawyers, financial advisors, or compliance professionals are prepared to serve the growing number of clients interested in digital assets. Dr. Evans reveals how crypto-competent professionals are charging 25-40% premium fees and emphasizes the urgent need for financial professionals to become Web3 ready to capitalize on this evolving landscape of digital finance. Perfect for professionals in law, finance, and advisory roles ready to seize crypto's mainstream moment. Visit Dr. Evans' website at: www.ProfTonyaEvans.comFollow her socials: @IPProfEvansTo listen to more of Dr. Tonya Evans' Podcasts, Visit: https://proftonyaevans.com/podcasts/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Some of the best and MOST important investments you'll ever make are in yourself... in your craft. In today's episode, "Here's Why Investing in Your Craft Is an Ongoing, Courageous Practice," host Jacquette explains why taking a chance on yourself and investing in your craft is not only hard and necessary work, but it may also be one of the most rewarding things you'll ever do. Pour into yourself, so that you may then pour into others.Financial Behaviorist Jacquette M. Timmons explores the psychology, emotions, and math of money each week so that you can make better, smarter choices regardless of where you fall on the income or wealth spectrum. #money #financialbehaviorist #jacquettetimmons #financialgrowthwww.jacquettetimmons.comwww.jacquettetimmons.com/digital-productswww.instagram.com/jacquettemtimmonsBuyMeACoffee.com/Jacquette Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Confidently Crypto, Dr. Tonya M. Evans breaks down what’s really going on with digital money in the U.S. and around the world. She explains why some lawmakers want to ban a U.S. central bank digital currency (CBDC), how that’s different from cryptocurrencies like bitcoin, Ethereum and stablecoins, and what it all means for your privacy, financial freedom, and future. You’ll also learn what other countries like China and Ghana are doing with digital currencies—and why it’s so important to understand who controls money in this new digital economy. Visit Dr. Evans' website at: www.ProfTonyaEvans.comFollow her socials: @IPProfEvansTo listen to more of Dr. Tonya Evans' Podcasts, Visit: https://proftonyaevans.com/podcasts/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

What is "financial freedom" and how does one achieve it? Well ... that isn't a one-size-fits-all answer. So, in today's episode, "Here's Why Financial Freedom Isn't Just About Money," Jacquette encourages her listeners to view financial freedom in very nuanced ways because it is precisely nuance that will help us navigate a system that wasn't designed for everyone to thrive equally.Financial Behaviorist Jacquette M. Timmons explores the psychology, emotions, and math of money each week so that you can make better, smarter choices regardless of where you fall on the income or wealth spectrum. #money #financialbehaviorist #jacquettetimmons #financialgrowthwww.jacquettetimmons.comwww.jacquettetimmons.com/digital-productswww.instagram.com/jacquettemtimmonsBuyMeACoffee.com/Jacquette Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

With Student Loans back in the conversation, check out this updated #ICYMI episode with Dr. Tisa originially from March 4, 2025! In this episode she gives us some different perspectives on dealing with student loans from two clients she worked with. Through these stories, she highlights the issues that borrowers deal with everyday. Check it out! Tisa Silver Canady, EdD, MBA, is a financial wellness advocate for today’s scholar. As an author and collegiate financial wellness expert specializing in student loan debt, she has personally advised students and families on the repayment of more than $100 million in student loans. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Is crypto finally safe—or just another way for the powerful to profit? In this episode of Confidently Crypto with Dr. Tonya M. Evans, we break down what really happened during Crypto Week in Congress, why stablecoins and market structure reforms matter, and how new U.S. legislation could reshape the future of digital assets. From the GENIUS and CLARITY Acts to rising scams and regulatory power plays, this episode helps investors understand what’s real, what’s risky, and what’s next. Listen now and stay informed, stay safe, and stay… Confidently Crypto. Visit Dr. Evans' website at: www.ProfTonyaEvans.comFollow her socials: @IPProfEvansTo listen to more of Dr. Tonya Evans' Podcasts, Visit: https://proftonyaevans.com/podcasts/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Being a smart consumer is understanding the value in things even when they are considered "free" because there's nothing free in life. So, if something is given to you, be grateful if that gratitude is your only cost. In today's episode, "The True Underestimated Cost of Free: Invisible Labor, Visible Entitlement," host Jacquette explains why being entitled to "free" is more than surface-level bad consumerism.Financial Behaviorist Jacquette M. Timmons explores the psychology, emotions, and math of money each week so that you can make better, smarter choices regardless of where you fall on the income or wealth spectrum. #money #financialbehaviorist #jacquettetimmons #financialgrowthwww.jacquettetimmons.comwww.jacquettetimmons.com/digital-productswww.instagram.com/jacquettemtimmonsBuyMeACoffee.com/Jacquette Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Contrary to popular belief, it does not take "a lot" of money to begin investing. Dr. Tisa explains three forms of investing--real estate, entrepreneurship, and precious metals--and how investing in them indirectly can grant you access to profits without exposing you to enormous amounts of risk. Tisa Silver Canady, EdD, MBA, is a financial wellness advocate for today’s scholar. As an author and collegiate financial wellness expert specializing in student loan debt, she has personally advised students and families on the repayment of more than $100 million in student loans. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Confidently Crypto, Dr. Tonya M. Evans breaks down why your intellectual property (IP) portfolio is one of the most overlooked but absolutely essential assets in the crypto and blockchain economy. From NFT platforms and DeFi protocols to tokenized real estate and DAO tooling, Web3 innovation is booming. But so are IP lawsuits, patent trolls, and high-stakes litigation. If you’re not building an IP strategy into your crypto business model, you’re putting your innovation—and valuation—at risk. Visit Dr. Evans' website at: www.ProfTonyaEvans.comFollow her socials: @IPProfEvansTo listen to more of Dr. Tonya Evans' Podcasts, Visit: https://proftonyaevans.com/podcasts/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

There's something to be said about allowing yourself to want...to hope. It's a very vulnerable act because, if unfulfilled, it can lead to one of your greatest disappointments. In this episode, "When Disappointment Really Means You're Still in The Game; Still Reaching," host Jacquette openly shares a time when receiving the dreaded "no" ultimately brought her to a deep and meaningful realization.Financial Behaviorist Jacquette M. Timmons explores the psychology, emotions, and math of money each week so that you can make better, smarter choices regardless of where you fall on the income or wealth spectrum. #money #financialbehaviorist #jacquettetimmons #financialgrowthwww.jacquettetimmons.comwww.jacquettetimmons.com/digital-productswww.instagram.com/jacquettemtimmonsBuyMeACoffee.com/Jacquette Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Now that the 'Official Big Beautiful Bill' has been signed into law, Dr. Tisa explains the changes in borrowing for undergraduate students, graduate students and parents who are borrowing to pay for their children's education. Tisa Silver Canady, EdD, MBA, is a financial wellness advocate for today’s scholar. As an author and collegiate financial wellness expert specializing in student loan debt, she has personally advised students and families on the repayment of more than $100 million in student loans. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Are you a lawyer who keeps hearing about crypto but feels unprepared to advise clients? You're not alone—and you're not behind. But it's time to get serious about Web3 competence.According to recent surveys, over 60% of lawyers encounter crypto-related questions from clients, but less than 20% feel competent to provide guidance. This gap isn't just growing—it's creating real professional liability risks. In this episode, legal expert Dr. Tonya M. Evans reveals the five critical gaps that are putting lawyers at risk and provides actionable steps to close them before they cost you clients, credibility, or compliance. Visit Dr. Evans' website at: www.ProfTonyaEvans.comFollow her socials: @IPProfEvansTo listen to more of Dr. Tonya Evans' Podcasts, Visit: https://proftonyaevans.com/podcasts/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.