Real Money, Real Experts Fixing More Than the Numbers: Counseling Strategies When Budgets Don't Do the Trick with Jayne Larson and Alicia Lawrence
In this episode of Real Money, Real Experts, Dr. Brandy Baxter sits down with financial counselors Alicia Lawrence and Jayne Larson to explore why real financial change goes beyond the numbers.
They discuss the power of motivational interviewing, empathy, and curiosity in helping clients uncover the “why” behind their money habits. From overcoming the fear of opening bills to negotiating more than 20 credit card accounts, this conversation highlights how mindset shifts—not just budgets—drive lasting progress.
For financial professionals ready to focus less on spreadsheets and more on behavior, this episode offers practical insight into creating meaningful, sustainable change.
Show Notes:
02:00 – Meet the guests: Alicia Lawrence & Jayne Larson
03:00 – Shifting from “what to do” to understanding the why behind money behaviors
05:00 – Motivational interviewing and the stages of change
08:00 – Emotional triggers, stress spending, and building client trust
09:30 – Measuring progress beyond the numbers (confidence, opening mail, mindset shifts)
11:00 – Client story: From avoiding bills to negotiating 20+ credit cards
14:00 – What sparked the mindset shift?
15:20 – Advice for financial professionals: leading with curiosity and empathy
19:00 – Reflection questions that spark behavior change
20:50 – Two Cents segment: Discomfort, flexibility, and sustainable planning
22:30 – How to connect + episode wrap-up
Show Note Links:
Learn more about the wages & inflation here!
Learn more about the US Inflation Rates!
Learn more about Jayne & Alicia's work here!
Connect with Your Money Line on Instagram!
Connect with Your Money Line on Linkedin!
Want to get involved with AFCPE®?
Here are a few places to start: Become a Member, Sign up for an Essentials Course, or Get AFC Certified today!
Want to support the podcast? We love partnering with organizations that share our mission and values. Download our media kit.