Ripples of Resilience
Financial Wellness As A Resilience Skill For Families
Money can be one of the fastest ways to spike stress in a household, and it is also one of the most practical ways to build resilience. We sit down with Shaina Golembeski from Kish Bank to talk about financial wellness in plain language, without shame, and with real tools you can use right away. If the word “budget” makes your stomach drop, you are not alone, and you are not broken. We dig into why budgeting feels so emotional, and how reframing a budget as a plan can put you back in the driver’s seat. Shana walks through a simple personal finance framework we can all remember: spend intentionally, save regularly, and borrow responsibly. We also talk about what to do when the numbers are tight, how to spot mindless spending, and why small choices add up more than we think. For parents, caregivers, and anyone who works with young people, we bring it back to kids and teens: needs versus wants, tracking spending, the 30-day rule, and the tough but important skill of delayed gratification. We also tackle social media comparison and the pressure to “keep up,” plus practical next steps if you feel behind, including free financial education resources like mymoney.gov, consumerfinance.gov, consumer.gov, and Khan Academy. If you want more confidence, less money anxiety, and a clearer path toward your goals, listen now, then share it with someone who needs a steadier money plan. Subscribe, leave a review, and tell us what financial habit you are working on next. If you or someone you know is in crisis, call or text 988 for immediate support. This podcast is brought to you by Jana Marie Foundation and A Mindful Village. Jana Marie Foundation is a 501(c)(3) nonprofit organization located in State College, Pennsylvania which harnesses the power of creative expression and dialogue to spark conversations build connections, and promote mental health and wellbeing among young people and their communities. Learn more at Jana Marie Foundation . A Mindful Village is Dr. Peter Montminy's private consulting practice dedicated to improving the mental health of kids and their caregivers. Learn more at A Mindful Village | Holistic Mental Health Care for Kids . Music created by Ken Baxter. (c) 2025. Jana Marie Foundation. All Rights Reserved. This podcast was developed in part under a grant number SM090046 from the Substance Abuse and Mental Health Services Administration (SAMHSA), U.S. Department of Health and Human Services (HHS). The views, policies, and opinions expressed are those of the authors and do not necessarily reflect those of SAMHSA, HHS or the Pennsylvania Department of Human Services.
