P$y-Fi is the podcast where psychology and finances collide. Host Olivia Pierce, M.S., LPC, AFC® — a licensed professional counselor, Accredited Financial Counselor® and financial readiness program manager at Redstone Arsenal — explores the mental and emotional patterns behind how we earn, spend, save, give and grieve money. Episodes range from multi-part deep dives on financial intimacy in marriages, financial wounds and money as a weapon, compulsive spending and the mental health toll of debt — to interviews with attorneys, clinicians and financial planners who speak honestly into the messier corners of life: estate planning, raising financially literate kids, distress tolerance and the quiet decisions that compound over a career. Built for federal employees, military families and anyone tired of hearing personal finance reduced to a budgeting app. No clickbait. No get-rich-quick. Just the unglamorous, deeply human work of changing how you think about money. Views shared on P$y-Fi are Olivia's own and do not represent the Department of the Army or the Department of Defense. New episodes drop every other week. Subscribe wherever you listen, and if an episode helps you breathe a little easier, leave a rating. It's how more people stuck in the same rut find their way here. *The information provided in this podcast does not constitute a formal endorsement of any company, its products, or services by the military. Specifically, the appearance or use of external hyperlinks does not constitute endorsement by the military of the linked websites, or the information, products, or services contained therein. The military does not exercise any editorial control over the content you may find in these resources. The intent is to provide informative material to assist Soldiers and their families in identifying or exploring multiple options.
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P$yFi | Psychological Finance is a education podcast hosted by Unknown Host, with 94 episodes on record and a Required Pod Score of 80. PitchCentric scores this show on Booking Probability, Listen Score, and live audience signals refreshed every 24 hours.
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Unknown Host hosts P$yFi | Psychological Finance, a education show with 94 episodes published.
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Episode #18
Chronic Debt-Flammation: Net Worth’s Silent Killer
Sep 10, 202639 minS5
In this episode, Olivia diagnoses "debt-flammation"—the chronic financial pain caused by poor budgeting, high credit utilization, and financial inactivity. We explore the crucial differences between healthy, planned borrowing and toxic, status-driven borrowing that systematically drains your net worth. Olivia breaks down how to calculate your Debt-to-Income (DTI) ratio, offering a traditional metric for self-diagnosis. You will also discover the structural differences between credit reports and scores and learn the sobering reality of credit usage statistics [hint: we can’t just blame Covid and inflation]. Finally, the episode prescribes both advanced therapeutics like Power Pay and daily behavioral protocols to help you reclaim your financial agency. Tune in to discover your legal consumer safeguards and learn how to secure an accountability partner to prevent a relapse into chronic debt. Addressing Chronic Financial Pain, Part 1 PowerPay Debt Reduction Tool
Finfluencers, Lawfluencers, and AI: Are You Consumer Aware? Part 3
Aug 27, 202625 minS5
In this final installment of our finfluencer series, host Olivia and Legal Assistance Attorney Emily Baggett expose the alarming financial and psychological costs of uncredentialed online advice. We break down eye-opening fraud statistics from the FTC and CFP Board. We even examine real-world military-targeted scams for good measure. The episode delves into the "uncanny valley" of social media, unmasking the deceptive practices of "financial flexing" and online exaggeration. To help you safely evaluate advice, we introduce the P.A.C.E. framework—evaluating Purpose, Authority, Cost, and Evidence—alongside the rigorous "two-source rule." We also compare the safety of regulated, fiduciary professionals vs. social media "attention professionals" who lack fiduciary duty. Finally, we lay out five tried-and-true evidence-based pillars of financial wellness to help you build lasting, long-term wealth. Federal Trade Commission & Scam Reports FBI Scams & Safety P$yFi Episode: Fraud Pathology: Why Smart, Capable People Still Fall for Scams FINRA Broker Check Barred Brokers Check Out Your Investment Professional Alabama Bar Attorney Lookup All Other Attorney States
Finfluencers, Lawfluencers, and AI: Are You Consumer Aware? Part 2
Aug 13, 202639 minS5
In this second installment, host Olivia and Legal Assistance Attorney Emily Baggett explore how finfluencer and lawfluencer culture directly impacts military members and civilians alike. The discussion highlights the dangers of trusting "barracks lawyers" and "watercooler advisors" for complex matters like the Blended Retirement System, security clearances, and estate planning. Olivia shares a personal story of childhood swing-set FOMO to illustrate how easily emotional comparisons can drive impulsive debt, from low- to high-income families. Emily emphasizes crucial legal protections like the Servicemembers Civil Relief Act (SCRA) and the Military Lending Act, which are often missed by generic online advice. They also expose the limitations of artificial intelligence in drafting legal documents, noting how agencies like DFAS will reject powers of attorney that lack precise, specific terminology. Special attention is given to the unique financial hurdles that generic AI prompts and algorithms fail to comprehend. Ultimately, the episode reminds listeners that true financial readiness requires the AI triangle of value: combining data with human judgment and professional action. Find a Personal Financial Counselor Military OneSource Military Consumer For all Consumers: Consumer Financial Protection Bureau FINRA Broker Check Barred Brokers Check Out Your Investment Professional Alabama Bar Attorney Lookup All Other Attorney States
Finfluencers, Lawfluencers, and AI: Are You Consumer Aware? Part 1
Jul 30, 202640 minS5
In this episode, host Olivia is joined by Emily Baggett, a Legal Assistance Attorney, to discuss the psychological, legal, and financial impacts of social media "finfluencers" and "lawfluencers." This includes how uncredentialed or inaccurate online advice can lead to real-world financial and legal pain. We examine the psychology behind why these charismatic content creators hook us using FOMO, social proof, and parasocial connections. Emily and Olivia share humorous stories with how they, too, were reminded to put more faith in human expertise than virtual expertise. We also dive into stats from Dr. Bruce Ross's talk on "Finances, Feeds, and FOMO," showcasing the massive scale of the influencer economy. Finally, we explore the pitfalls of sycophantic AI chatbots and social media echo chambers, emphasizing the irreplaceable value of credentialed professionals. Tune in to learn how to build healthy boundaries around online content, safeguard your personal data, and protect your hard-earned money! FINRA Broker Check Barred Brokers Check out Your Investment Professional Alabama Bar Attorney Lookup All other Attorney States
The Rise of Problem Gambling: When Play Becomes Pain, Part 2
Jul 16, 202632 minS5
Olivia takes a deeper dive into the gambler’s mindset and the dangerous ‘cognitive conversion’ of real money into gambling money. Olivia reviews the latest National Survey on Gambling Attitudes to identify key risk predictors, including online access and frequent sports betting. This episode highlights the severe collateral damage to families, revealing how gambling often intertwines with domestic and economic abuse. For our Department of War audience, we outline how gambling-related debt directly threatens security clearances. https://responsibleplay.org https://winningbackmylife.com For Redstone Arsenal employees: Book a Financial Session with Olivia For geographically separated military members: Find a Personal Financial Counselor For DoW Civilians not attached to Redstone Arsenal, contact your Employee Assistance Program More Resources: National Problem Gambling Helpline 1-800-MY-RESET Crisis Text Line Text "HOME" to 741741 Gamblers Anonymous 12-step support for individuals. https://gamblersanonymous.org/ Gam-Anon Support for friends and family members: www.gam-anon.org Veteran/Military Crisis Lifeline Call 988 or text 838255 Military OneSource Confidential help for eligible service members and their families. 800-342-9647 Previous Episodes Mentioned: Compulsive Spending: Unpacking What You're Really Trying to Buy Examining Overspending, Part 1, Part 2 Financial Wounds: When Money Becomes a Weapon, Part 1 , Part 2 , Part 3
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