How do you move from financial survival mode to long-term stability when you're raising kids and navigating constant demands?

In this episode of Beyond Budgets, Deb Meyer is joined by financial educator Chelsea Williams to explore how our earliest experiences shape our lifelong relationship with money and what parents can do about it.

You’ll learn why financial change is 80% mindset and only 20% technical, and how understanding your money story can unlock new possibilities for your family’s future. Chelsea shares a practical framework that helps families create healthy financial habits by focusing on beliefs, not just budgets.

They also discuss what most people don’t realize: a child’s core values and beliefs about money are largely formed between the ages of 0 and 12. For parents of young kids, this is a critical window. The way we talk about spending, saving, and value can either plant seeds of fear or lay the foundation for confident financial decision-making later in life.