EP #87 How To Build A Simple Plan For Debt, Savings, And Wealth

Money should feel calm, not confusing. We sat down with family financial coach Juliana Alcantara of Financial Health Solutions to talk about practical ways parents, couples, and newlyweds can create a plan that fits real life—without giving up joy or relying on rigid rules. From her early days as a bank teller to years in public accounting, Juliana brings a grounded view of cash flow, debt, and the human habits that make or break a budget.

We unpack the two most common starting points she sees: households tackling heavy debt and households with little debt but no plan. Juliana walks through how to choose a debt payoff strategy you can actually keep, set guardrails to avoid new balances, and still make smart moves on taxes, insurance, and retirement. If you’ve ever been blindsided by birthdays, holidays, or quarterly renewals, you’ll learn how sinking funds and monthly planning stop those “surprise” expenses from wrecking your momentum.

What sets Juliana apart is her rejection of one-size-fits-all advice. Instead of strict mandates, she offers options and trade-offs so families can pick a sustainable path. We talk openly about common misconceptions—like needing to cut every comfort to get ahead—and why a budget that includes joy is easier to follow. She also shares candid advice for anyone eyeing a leap from corporate life to entrepreneurship: build community, find mentors, and borrow proven systems to move faster with less stress.

If you’re ready to replace money guilt with clarity and progress, this conversation will help you map a simple plan, automate the basics, and align spending with what matters most. Listen, take what fits, and start small today. If you found value, follow the show, share it with a neighbor, and leave a quick review to help more local families find money peace.

Juliana Alcantara

Financial Health Solutions

fhsolutions.co

[email protected]

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