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Julian Jewlz The Budget Nerd Kohlbrand Podcasts

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Debt Rebel: Stop Living Paycheck-to-Paycheck, Budget Successfully, Improve Money Mindset

Julian "Jewlz The Budget Nerd" Kohlbrand, Certified Financial Coach

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Hey! I’m Jewlz The Budget Nerd, a Certified Financial Coach and Economics grad who eliminated $107K in consumer debt. This award-winning show for families who are done living paycheck to paycheck and ready to take control of their money without the shame and stress. Winner of the 2025 Women Podcaster Award, this show delivers practical, judgment-free guidance to help you stop fighting about money, ditch debt faster, and actually stick to a budget that works in real life (yes, even with kids, ...
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Ever wondered what actually goes on inside the Alliance Coaching Program? In today’s episode, I’m pulling back the curtain and giving you a behind-the-scenes look at what it’s like to be a member. You’ll hear a real coaching conversation from one of our monthly Office Hours where we dig into an important (and super relatable) money question: 👉 What…
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Stop the grind. There's a better way! Living paycheck-to-paycheck is stealing your joy! Tune in every week for actionable, practical tips to get your finances in order so you can focus on other things, like feeding your sourdough starter 😂or playing with your kids. 💬 Your voice matters here! I want to hear from YOU—yes, you with the budget spreadsh…
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Drowning in debt is overwhelming—but staying there is optional. In this episode, I’m pulling back the curtain on the 3 biggest mistakes I made while paying off $107,000 of consumer debt… and what I would do differently if I could hop in a time machine. If you’re just starting your debt-free journey or you’re tired of spinning your wheels, these les…
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Back-to-school season can feel like a financial ambush—supplies, sports fees, clothes, fundraisers, and picture day all hitting at once. Most families grab the credit card to cover it, but the stress (and interest) sticks around long after the school year starts. In this episode, I’m sharing three simple, practical hacks to help you handle back-to-…
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Ever feel like saying no to your kids instantly makes you the “worst mom ever”? You’re not alone, mama. That mom guilt is real — but it doesn’t have to control how you parent or how you handle money. In this episode, I’m breaking down why we feel guilty when we tell our kids no, the sneaky lies that fuel overspending, and how to shift from guilt to…
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Are you constantly stressed by your budget, overspending, or running out of time each month? In this episode of the Debt Rebel Podcast, I share my three-step monthly planning system that busy parents can implement to regain control over their time, meals, and money. I break down: ✅ How to plan your time to prevent financial chaos ✅ Meal planning st…
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The average car payment in America is over $700 — and that’s before you add insurance, gas, maintenance, and the emotional stress of keeping up appearances. In this episode, I’m breaking down the hidden costs of car ownership, sharing my family’s real-life story of car debt (including the embarrassing window incident), and showing you practical way…
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Are you tired of watching your credit card balance barely budge despite making “on-time” payments every month? In this episode of The Debt Rebel Podcast, I’m sharing exactly how my family eliminated over $107K in consumer debt — and how you can pay off your credit cards faster without gimmicks, shame, or going broke in the process. You’ll learn how…
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Feel like you’re way behind when it comes to saving for retirement? You’re not alone—and you’re definitely not too late. In this myth-busting episode, I’m sharing how overwhelmed parents can take 3 powerful steps to start saving for the future even if you’re still paying off debt. You’ll learn: ✅ Why eliminating debt is the key to building wealth ✅…
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Are you constantly spinning plates and praying nothing crashes—especially your finances? In this episode, I break down why busy parents feel stuck in survival mode and how to finally gain control of your money without dropping everything else. You’ll learn: Why budgeting feels impossible when you’re overwhelmed How to use habit stacking and automat…
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Hey friend! 👋 If you’ve ever tried a no-spend month hoping it would magically reset your money habits, you’re not alone—but you might be aiming at the wrong target. In today’s episode, I’m busting the myth that a no-spend month is the answer to your budgeting struggles. Because let’s be real: skipping Starbucks for 30 days isn’t going to change you…
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Ever feel like your budget has a messy secret closet, just like Monica’s in Friends? You know—the one where you throw all the “random” spending and hope no one opens the door? 👀 Yeah... that’s your miscellaneous category, and spoiler alert: it’s probably leaking more money than you think. In this episode, we're digging into why the miscellaneous li…
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Feeling stuck with your money? Learn how financial coaching, accountability, and a custom budget can kickstart your debt-free journey—without shame or overwhelm. 💰Learn to be Debt-Free Here: https://www.jewlzthebudgetnerd.com/membership ➡️Take the FREE 5-Day Challenge & Stop Living Paycheck-to-Paycheck: https://www.jewlzthebudgetnerd.com/challenge …
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Do money conversations with your spouse always end in a fight, a shutdown, or total avoidance? You’re not alone—and you’re not doomed. In today’s episode, we’re breaking down the real reasons why you and your partner keep clashing about money (spoiler alert: it’s not just about the numbers). Whether you’re the planner or the free spirit, the saver …
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Thinking about buying a home but feeling overwhelmed by the mortgage process? In this eye-opening episode, I sit down with Kristy Bass of C2 Financial to break down the 5 most commonly asked questions mortgage lenders get—and her honest answers might just surprise you. We’re talking credit scores, down payments, interest rates, pre-approval, and wh…
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You’ve cut back. Budgeted. Paid extra. So why is your debt still haunting you? In this episode, we uncover the hidden reasons your debt won’t budge and give you a real, doable plan to finally get traction. 💰Learn to be Debt-Free Here: https://www.jewlzthebudgetnerd.com/membership ➡️Take the FREE 5-Day Challenge & Stop Living Paycheck-to-Paycheck: h…
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Are you working hard but still wondering, "Why am I STILL living paycheck to paycheck?" You’re not alone—and you’re definitely not lazy. In this raw and relatable episode of The Debt Rebel Podcast, I break down the real reasons why you might feel stuck financially—even when your income seems "decent." You'll learn: 💸 Why not having a spending plan …
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In this deeply personal episode of The Debt Rebel Podcast, Jewlz the Budget Nerd shares a surprising life update—her ADHD diagnosis at age 42—and how it reshaped her understanding of overwhelm, impulse spending, and budgeting struggles. She opens up about the emotional impact of years of burnout, forgotten bills, and financial shame, even as a cert…
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In this episode of Rebel Resets, Certified Financial Coach Julian Kohlbrand discusses how to effectively increase income by setting clear, short-term financial goals and reverse engineering a plan to achieve them. The conversation emphasizes the importance of manageable targets and practical strategies to reach those goals without overwhelming ones…
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In this episode, Julian Kohlbrand discusses practical strategies for increasing income without overwhelming oneself. She emphasizes the potential of renting out unused items in one's home, such as baby gear or tools, to generate extra income. The conversation also highlights the importance of serving the community by providing rental options for fa…
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In this episode of the Debt Rebel Podcast, Julian Kohlbrand discusses how to increase income by teaching something you love. She emphasizes the importance of finding a passion and sharing it with others, whether through workshops, online classes, or other formats. The episode celebrates the Women Podcasters Award nomination and encourages listeners…
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This episode is a part of a special series: How to Increase Your Income Without Burnout & Overwhelm! Grab the free download at www.debtrebelpodcast.com until May 31, 2025. I'm answering one of the most popular questions I get and celebrating the show's nomination for the Women Podcasters Award! Check out all the details at www.debtrebelpodcast.com.…
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Your monthly bills are negotiable—and you could be saving hundreds without changing your lifestyle.In this episode, Jewlz The Budget Nerd discusses practical strategies for increasing income without sacrificing family time or responsibilities. She emphasizes the importance of negotiating bills and exploring additional income opportunities, all whil…
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It could be anything! In this episode, Jewlz The Budget Nerd challenges listeners to turn their clutter into some extra cash. But not a whole purge the house and sell everything kind of way. Small action steps added up over time. For additional encouragement, check out Episode 26 of the show for a more in-depth interview with Special Guest, Sasha L…
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Want to increase your income without sacrificing your sanity or family time? In this episode of The Debt Rebel Podcast, Jewlz shares how to create a low-effort digital product—like a checklist, planner, or workbook—that solves a specific problem and sells on repeat. Learn how she uses Canva and platforms like Podia to create simple, scalable produc…
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Got 5 minutes and one skill? That’s all you need to start freelancing today. Feeling stretched thin but need to bring in some extra income? In this Rebel Reset episode, I’m sharing how you can start freelancing with zero fancy tools, no logo, and just five spare minutes a day. Whether you're great at editing, admin tasks, or proofreading resumes—th…
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In this episode of the Debt Rebel podcast, Jewlz The Budget Nerd introduces a special series focused on increasing income. She emphasizes the importance of time management and encourages listeners to audit their time to identify opportunities for generating extra income. Jewlz provides actionable steps and resources to help listeners maximize their…
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In this conversation, Julian "Jewlz The Budget Nerd" discusses the significant impact that news headlines can have on personal financial decisions. She explores the psychology behind how headlines are crafted to elicit emotional responses and the importance of being mindful when consuming information. The discussion emphasizes the need for a solid …
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In this episode, Julian Kohlbrand discusses the importance of effective budgeting and shares her favorite budgeting method, the EveryDollar app. She emphasizes that the best budget is the one that works for you, highlighting the app's features such as zero-based budgeting and customizable categories. Julian also encourages listeners to find a budge…
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In this episode, I sit down with serial entrepreneur Bill Adams and we talk about the twists and turns of life. From joining the military to building incredible experiential retail businesses loved by many. You'll hear why he does it, what he's learned along the way, and what matters most if it all falls apart tomorrow. Check out Fireside Surf on I…
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In this episode of the Debt Rebel Podcast, Julian Kohlbrand shares her personal reasons for not owning an iPhone, emphasizing intentional spending and financial awareness. She discusses the financial implications of phone ownership, comparing the costs of iPhones versus non-iPhones, and encourages listeners to evaluate their own spending habits. Th…
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In this episode of the Debt Rebel Podcast, Julian Kohlbrand discusses the importance of budgeting and planning for both expected and unexpected expenses. She emphasizes the need for families to create a budget that aligns with their values and priorities, while also preparing for seasonal expenses and emergencies. The episode includes practical tip…
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In this episode, Julian Kohlbrand interviews Jennifer Zuver, a financial advisor with a passion for helping others navigate their finances. They discuss the importance of financial planning, the impact of childhood money lessons, and the necessity of having a will. Jennifer shares her personal experiences with financial challenges, including a heal…
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In this episode, Jewlz The Budget Nerd addresses a couple of commonly misunderstood numbers and how they affect your financial life. She gives it to you straight with no fluff in this Rebel Reset. Want to learn more about Jewlz The Budget Nerd and how she can help you make sense of your personal finances? www.jewlzthebudgetnerd.com Have questions l…
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In this episode, Julian Kohlbrand reflects on the journey of becoming debt-free, celebrating the anniversary of their home purchase. She shares personal stories of financial struggles, the importance of financial organization, and the lessons learned from home ownership. Julian emphasizes the need for a shift in financial perspectives and encourage…
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In this episode, Julian Kohlbrand, Jewlz The Budget Nerd, discusses how to effectively manage surplus cash, particularly tax returns. She emphasizes the importance of building an emergency fund and introduces the debt snowball method as a strategy for debt elimination. Additionally, she highlights the value of community support and coaching in achi…
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In this episode, Julian Kohlbrand hosts a dual guest episode featuring Nonna Mikat and Katie Pursey, co-owners of Just Between Friends (JBF) in Kitsap County. They discuss the benefits of consignment shopping, the community impact of their business, and how it helps families save money while promoting sustainability. The conversation also covers mi…
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What If You're Not Actually Bad With Money? Just Financially Disorganized? This episode will walk through some signs you might be financially disorganized and ways to get on the right track ASAP! A must-listen episode if you're tired of wasting money and just need a system that allows you to manage your money instead of it managing you! Mentioned i…
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Life is full of unexpected twists—some amazing, some... not so great. If you're facing financial uncertainty, job loss, or reduced income, this episode is packed with real-life strategies to help you stay afloat and regain control. In this episode, I share: ✅ My personal story of navigating financial hardship after job loss ✅ What a "survival mode …
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Ever wonder why you keep falling into the same money habits, even when you want to change? In this episode of the show, I dive into the psychology behind our financial choices, exploring how emotions and past experiences shape our spending. You'll learn how to identify harmful money patterns, swap them for positive financial habits, and set yoursel…
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I share my insights on how to maintain a loving relationship while navigating financial challenges. Why it's important to budget for special occasions like Valentine's Day, the significance of open communication about finances with a spouse, and creative ways to spend quality time together without overspending. I also emphasizes why I think relatio…
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In this episode, Jewlz The Budget Nerd takes you behind the scenes of the new Alliance Coaching Membership and helps you plan your February budget like a pro! 💰 Learn how to prepare for seasonal expenses like Valentine’s Day, Super Bowl parties, higher utility bills, tax season, and spring break travel—without breaking the bank. Discover practical …
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Even financial coaches slip up! Discover how I forgot to budget, what I learned from it, and why building strong financial habits can keep you on track—even when life happens. Progress isn’t about perfection! Join the Debt Rebel Community If you’re ready to take control of your finances, join the Debt Rebel community! Whether you’re just starting o…
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In this engaging conversation, Life Strategist Trish Raap and I explore the journey to debt freedom, emphasizing the importance of understanding one's motivations and the necessity of self-care. We discuss practical strategies for personal growth, including the creation of vision boards, the significance of simplicity in life, and the development o…
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In this episode, I share more of my personal journey towards debt freedom and the lessons learned along the way including when my parents told me they were done supporting me financially. I illustrated the importance of financial education and setting boundaries with your adult children. I also introduce 'The Alliance', a debt elimination support c…
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In this episode, you'll discover three tips to make major progress in your finances in 2025. Keeping your family fed, prepared for life's emergencies and surrounding yourself with like-minded people will set you up for success this year in multiple areas of your life, not just your finances! Join the waitlist for my new group coaching membership if…
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In this conversation, Julian Kohlbrand and Mindi Huebner explore the journey to financial freedom, emphasizing the importance of mindset, goal setting, and creating supportive habits. They discuss brain plasticity and how it can be harnessed to overcome limiting beliefs and foster a growth mindset. The duo also delves into the significance of SMART…
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In this episode, Julian Kohlbrand discusses the importance of setting financial goals for the new year, reflecting on personal experiences and the excitement of family adventures. She emphasizes the need for planning and accountability in achieving financial success, introducing her upcoming group coaching program aimed at providing support and res…
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Julian Kohlbrand reads the Christmas Story from Luke 2:1-20. If you have questions about the Christmas Story, the Bible is filled with all the answers or you can message me on Instagram and I would love to help you find the answers you're looking for. Merry Christmas to you and your loved ones! Scripture quotations are taken from the Holy Bible, Ne…
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In this episode, Julian Kohlbrand discusses the significance of goal setting, particularly in the context of financial freedom and debt elimination. She emphasizes the importance of community support and accountability in achieving these goals. The conversation introduces the SMART goal-setting framework, which helps individuals create specific, me…
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