What does it really mean to be financially ready, and where does insurance fit into that picture?

In this episode, Dr. Sev talks with Tony Steuer, financial fluency advocate and insurance expert, about how to approach insurance decisions with clarity and confidence.

They discuss:

• Financial fluency vs. financial literacy
• The role of insurance in financial readiness
• Term vs. whole life insurance
• Red flags in popular insurance marketing strategies
• Why liquidity and long-term costs matter
• The often-overlooked importance of disability insurance

If you’ve ever felt unsure about insurance or overwhelmed by your options, this episode will help you slow down, ask better questions, and make more intentional decisions.

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Join Dr. Sev's Wealth Warriors Community for more financial discussions and insights (FREE to join): https://www.skool.com/wealth-warriors-community-1025/about

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The Dr. Sev Talks Money podcast's mission is to empower women to approach money confidently, reframe their financial habits, and build a future where their money is a tool for opportunity and security.

Through Dr. Sev Talks Money YouTube channel and Podcast, I provide actionable advice and inspiration to help you achieve financial freedom. Join me for one-on-one coaching, group sessions, workshops, or speaking engagements as we journey to financial empowerment together. It’s never too late to begin again—let’s make it happen!

Here is one way you can support the Dr. Sev Talks Money podcast and YouTube channel:

https://www.buymeacoffee.com/DrSevTalksMoney

My website: www.sevtalksmoney.com

YouTube: https://www.youtube.com/c/DrSeverineBryan--SevTalksMoney

LinkedIn: https://www.linkedin.com/in/severinebryan/

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Tony's links

Website: www.tonysteuer.com

LinkedIn: www.linkedin.com/in/tonysteuer

The Get Ready Money Podcast: Apple Podcasts: https://podcasts.apple.com/us/podcast/the-get-ready-money-podcast/id1480046083

YouTube channel: https://youtube.com/tonysteuer

Books:

Get Ready! (Financial document organizer)

Questions and Answers on Life Insurance

Insurance Made Easy

Tony's Bio:

Tony Steuer, CLU, LA, CPFFE is an internationally recognized financial fluency advocate, award-winning author, and host of The Get Ready Money Podcast. As the founder of The Get Ready Movement, Tony is leading a shift in how we think about money—not just as numbers, but as a tool for living a more intentional and empowered life. Through his books, podcast, curated recommendations, and expert insights, Tony helps financial professionals, educators, and individuals ask better questions, foster meaningful money conversations, and take purposeful action. He serves as an advisor to Insurance Nerds and Dingo Technologies.

Tony’s thought leadership has earned recognition as a Finalist in ThinkAdvisor’s LUMINARIES Class of 2022 for Thought Leadership & Education. He has served as a Judge for the Plutus Awards, the MAIA Awards and the 2023 Finder Innovation Awards, and as a longtime member of the California Department of Insurance Curriculum Board. A trusted voice in the media, Tony contributes as an expert content reviewer for Nerdwallet, Bankrate, and Forbes Advisor, and has been featured by ABC’s Seven on Your Side, CNBC, Cheddar TV, The New York Times, Washington Post, Fast Company, Chicago Tribune, and Fox Business News.

This isn’t about what we know. It’s about what’s getting in the way.

In this episode, Dr. Sev sits down with financial wellness consultant Nia Adams to explore why money can still feel hard—even when you know what to do. They unpack how confidence, beliefs, and past experiences shape financial decisions, and what it takes to move past money shame and follow through.

If you’ve ever felt like you should be further along by now, this conversation is for you.

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Join Dr. Sev's Wealth Warriors Community for more financial discussions and insights (FREE to join): https://www.skool.com/wealth-warriors-community-1025/about

****************************************************

The Dr. Sev Talks Money podcast's mission is to empower women to approach money confidently, reframe their financial habits, and build a future where their money is a tool for opportunity and security.

Through Dr. Sev Talks Money YouTube channel and Podcast, I provide actionable advice and inspiration to help you achieve financial freedom. Join me for one-on-one coaching, group sessions, workshops, or speaking engagements as we journey to financial empowerment together. It’s never too late to begin again—let’s make it happen!

Here is one way you can support the Dr. Sev Talks Money podcast and YouTube channel:

https://www.buymeacoffee.com/DrSevTalksMoney

My website: www.sevtalksmoney.com

YouTube: https://www.youtube.com/c/DrSeverineBryan--SevTalksMoney

LinkedIn: https://www.linkedin.com/in/severinebryan/

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Nia's links:

Website - www.niaadams.com

Linkedin - https://www.linkedin.com/in/nia-a-0b485b58/

Youtube - www.youtube.com/@moneyperspectives

Conference - www.thrive360atl.com (September 26, 2026 in Atlanta)

Nia Adams, known as The Coins Confidant, is a financial wellness consultant, speaker, and founder of Perspectives. She helps individuals and organizations move from knowing what to do with money to feeling confident enough to do it through practical, judgment-free financial education.

After paying off $57,000 in debt in under three years, Nia built a nationally recognized platform focused on confidence, behavior, and real-life financial decision-making. She is a three-time author, holds an MBA in Finance, and is both an Accredited Financial Counselor® and Certified Financial Education Instructor. Nia also serves on the advisory board of United Way of Greater Atlanta – Douglas County and is known for creating spaces where conversations about money feel accessible, empowering, and transformative.

More money does not fix money problems. It reveals them.

So why does earning more still leave so many people feeling stuck?

In this episode, Dr. Sev sits down with returning guest Ashlee Edwards, attorney and private money lender, to talk about why income alone is not enough. They break down common mistakes people make when trying to earn more, what cash flow really means in everyday life, and how to start making your money work more intentionally.

If you’ve ever worked hard, earned more, and still felt behind, this conversation will help you understand why—and what to do next.

Ashlee Edwards helps professionals build wealth through intentional private money lending, with a focus on legal clarity, risk awareness, and sustainable returns.

Women on the Move is a Women's History Month series highlighting women who are building, leading, and redefining success on their own terms.

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Join Dr. Sev's Wealth Warriors Community for more financial discussions and insights (FREE to join): https://www.skool.com/wealth-warriors-community-1025/about

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Join Ashlee's Accelerators here:

*PRIVATE MONEY LENDING ACCELERATOR (MAY 2026 COHORT): https://genfinity.thrivecart.com/pmlamay26/?affiliate=drsev

*PRIVATE MONEY LENDING ACCELERATOR (AUGUST 2026 COHORT): https://genfinity.thrivecart.com/pmlaaug26/?affiliate=drsev

Instagram: instagram.com/lndrsnfrnds

Facebook: https://www.facebook.com/lndrsnfrnds

YouTube: https://www.youtube.com/@ashealways

Website: https://lndrsnfrnds.com/

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The Dr. Sev Talks Money podcast's mission is to empower women to approach money confidently, reframe their financial habits, and build a future where their money is a tool for opportunity and security.

Through Dr. Sev Talks Money YouTube channel and Podcast, I provide actionable advice and inspiration to help you achieve financial freedom. Join me for one-on-one coaching, group sessions, workshops, or speaking engagements as we journey to financial empowerment together. It’s never too late to begin again—let’s make it happen!

Here is one way you can support the Dr. Sev Talks Money podcast and YouTube channel:

https://www.buymeacoffee.com/DrSevTalksMoney

My website: www.sevtalksmoney.com

YouTube: https://www.youtube.com/c/DrSeverineBryan--SevTalksMoney

LinkedIn: https://www.linkedin.com/in/severinebryan/