Make Your Money Behave: Breaking the Shame Around Finances with Penny Kidd

Money doesn’t have to feel overwhelming—or shameful.

In this episode, financial coach Penny Kidd shares how a life-changing tragedy pushed her to take control of her finances and eventually become debt-free—including her home. Now, she helps others do the same by focusing on behavior, mindset, and intentional spending.

We dive into the truth about debt, why most people were never taught how to manage money, and how small changes can completely shift your financial future.

If you’ve ever felt behind, stressed, or unsure about money—this conversation will hit home.

What You’ll Learn

• Why money shame keeps people stuck
• How to create a simple, realistic spending plan
• The real impact of debt (and when it makes sense)
• How to align your money with your goals
• Why it’s never too late to start over