HomeEc

Heather and Doug Boneparth run Bone Fide Wealth together, write a weekly substack The Joint Account, authored the book Money Together and are married with two daughters. Doug is a Certified Financial Planner and active funny meme creator and Heather is a lawyer, writer on love, money and family. In this episode, Moraya and Nick get into the real story behind Money Together: growing up with different money worlds, and they formed two different relationships to money, attachment, and belonging. Q: Can two partners handle money completely differently and still be a strong team?Yes. Heather and Doug describe reaching the same outcome through different math, "7 + 3 = 10, and 5 + 5 = 10." Their Calibrate Couples Mirror showed they share some of the same core challenges but lean on different strengths to work through them, they make a whole pie. As they beautifully write in their book, you expand and make room for your partner. Q: What's one financial gesture that can carry more meaning than its dollar value?Doug co-signed the refinance of Heather's $200k student loans after they were married. For Heather, it wasn't really about the loan, it meant "your burdens are my burdens." Their secure attachment helped heal deep shame. Q: Why should financial advisors treat both partners as equal decision makers?As Heather puts it in the episode and shouts in their book "caregivers are providers too." Advisors who only engage the higher earner miss the full financial picture, and the overlooked partner's wellbeing often suffers for it. And something we preach at Calibrate this creates more risk as families age and life can change fast. Q: Where do adult money patterns actually come from?Shaped in childhood. Both Heather and Doug trace their financial instincts, her drive for independence, his belief that any setback is fixable, back to money messages from their families long before they met. Both now have divorced parents and they share stories in their book. We give it a 10/10 and recommend reading their stories and the many diverse couples stories they share. Before recording, Heather and Doug took the Calibrate assessment. Moraya reflects on their individual results and Couples Mirror in a longer blog post at homeecpodcast.com.Curious how your strengths compare with your partner's? Take the free Calibrate assessment. It takes about 10 minutes because it’s not a buzzfeed quiz – it’s actual behavioral science. Follow: Doug on X & Instagram · Heather on Instagram · Bone Fide WealthConnect with Moraya & Nick: Instagram @homeecpod & @Calibrate_app · TikTok · Calibrate on LinkedInEmail or send a voice memo with your thoughts and questions to Moraya@calibrateeq.comThis podcast is for educational and informational purposes only. It is not financial, legal, or clinical advice.

Financial infidelity does not always look like a secret account or hidden debt. Most of the time, it looks like the purchase you do not mention. The conversation you keep finding reasons to postpone. Saying it was on sale when both of you know it was not.This week we sat down with Dr. Megan McCoy, one of the leading researchers in financial therapy, to ask the real question underneath all of it: what are people actually protecting when they hide something financially?What is financial therapy? Financial therapy is the integration of financial planning and therapeutic practice. It focuses on how people think, feel, and behave with money, not just what they do with it. As defined by the Financial Therapy Association: financial therapy is a process that helps people think, feel, communicate, and behave differently with money to improve overall wellbeing. It is where money stops being just numbers and starts being understood as a human system.What is financial infidelity? Financial infidelity is the intentional hiding or withholding of financial information from a partner. It is not defined by the size of the behavior, but by the decision to conceal it. This can include secret accounts or hidden debt, undisclosed purchases, minimizing or lying about spending, and avoiding money conversations entirely. It often reflects something deeper: fear of conflict, shame, power dynamics, or a relationship where it does not feel safe to tell the truth about money.We dive into both, how to move into deeper conversations with your partner, with a softer approach. Take the free Calibrate assessment at the top of homeecpodcast.com. It takes about 10 minutes.Connect with Moraya & Nick on socials: Instagram : @homeecpod & @Calibrate_app TikTokCalibrate on LinkedInQuestions, reflections, write us a letter, send a voice memo….Email Moraya@personawealth.comThis podcast is for educational and informational purposes only. It is not financial, legal, or clinical advice and does not replace working with a qualified financial professional or licensed therapist.

Moraya Seeger DeGeare and Nick Ashburn sit down with Domonique Messing, LCSW, RPT-S™, MBA, to explore what dysregulation actually means and how it shapes family life, money stress, and decision making.They unpack why good advice often does not land when someone is overwhelmed, how stress in one person ripples through an entire household, and what it looks like to build a more regulated home. Domonique shares practical tools for parents, partners, and families, including repair rituals, coping skills, and stress management strategies that actually work in real life.If you are juggling kids, aging parents, work, and a full nervous system, this conversation is for you.Follow Domonique on Instagram @domoniquelcswrptTake the free Calibrate assessment at the top of homeecpodcast.com. It takes about 10 minutes.Connect with Moraya & Nick on socials: Instagram : @homeecpod & @Calibrate_app TikTokCalibrate on LinkedInQuestions, reflections, write us a letter, send a voice memo….Email Moraya@personawealth.comImportant Notice:This podcast is for educational and informational purposes only. It is not financial, legal, or clinical advice and does not replace working with a qualified financial professional or licensed therapist who understands your individual situation. Listening does not create a therapeutic or advisory relationship.

Episode Description: Most of us are walking around with loss in our bodies, sometimes acute, sometimes old, sometimes unnamed, yet we're still expected to perform, navigate change, and make decisions like nothing happened. What if the thing blocking someone's progress isn't motivation or discipline, but capacity?.In this episode of Home Ec, hosts Nick Ashburn and Licensed Marriage and Family Therapist Moraya Seeger DeGeare sit down with Michael O'Bryan, Executive Director of the Wealth and Work Futures Lab. Together, they sit inside a set of ideas that will completely change how you understand economic mobility. Instead of viewing financial success as a story about individual effort, they explore it as a story about conditions. What’s been lost, what’s never been provided, and what people are asked to carry anyway.About Our Guest: Michael O'Bryan is the Executive Director of the Wealth and Work Futures Lab based at Drexel University's Lindy Institute for Urban Innovation. The lab brings together employers, policymakers, and communities to transform how economic mobility is framed and fostered, specifically studying the impacts of grief and loss on workforce development. He is also founder and CEO of Human Nature, a management consulting firm with a mission of putting humanity at the heart of every organization. Connect with Michael & The Lab: Visit Humanature.works or WealthWorkFutures.org to sign up for their newsletter and access upcoming public research.Money Psychology & The Calibrate Assessment: So much of our financial life isn't about financial information. It's about stress physiology, emotional experience, identity, and the relational environment. If you want to find out more about your own personal approach to money, work with others, how you ask for help, and your unique decision-making style, take the FREE 15-minute Money Psychology Assessment.Take the assessment at: calibrateintelligence.com/assessmentConnect with the HomeEc community:Instagram : @homeecpod & @Calibrate_app TikTok LinkedinQuestions or reflections? Email Moraya@personawealth.comImportant NoticeThis podcast is for educational and informational purposes only. It is not financial, legal, or clinical advice, and does not replace working with a qualified financial professional or licensed

You don’t need more advice thrown at you. You need someone who can stay with you.When everything is changing, you don’t need another expert telling you what to do. You need someone who can stay with you in the uncertainty and help you make decisions without rushing, shaming, or overwhelming you.In this episode of Home Ec, hosts Nick Ashburn and Licensed Marriage and Family Therapist Moraya Seeger DeGeare sit down with Josh Dunlop, founder of Even Path, to explore what real financial support looks like during high-stakes life transitions like divorce, retirement, loss, and complex family change.Josh explains why he prefers the word guidance over advice. Advice creates a power dynamic. Guidance is collaborative. It is someone walking with you when you feel activated, isolated, and unsure what comes first.We talk about what clients often look like when they arrive: burned out, overwhelmed, and late to asking for help. Josh shares how avoidance compounds stress, and how creating structure and executive support in high-pressure moments can lower anxiety and restore confidence. We also explore what people are really fighting for in divorce and major transitions: not just money, but balance, safety, dignity, and the need to feel whole again.Josh introduces a concept he is developing called wallet dysmorphia, describing how trauma can distort someone’s perception of their financial reality even when the numbers are stable. Often, the person least able to assess the situation clearly is the one living inside the upheaval.In this episodeGuidance vs advice and why the difference matters in transitionWhat being “activated” looks like in divorce and major life changeWhy structure lowers panic and helps people regain footingHow grief and identity loss shape financial positionsWallet dysmorphia and the gap between feelings and factsAbout Josh and Even PathJosh Dunlop is a financial advisor and the founder of Even Path, a fee-only practice (no commissions, no product sales). He is a CFP, CDFA, and a board member of the Financial Therapy Association.Josh is currently accepting new clients:Individuals navigating divorceCouples preparing for retirementFamilies holding complex transitions and financial dynamicsLinks Work with Josh: Even PathEpisode reflections and Our FREE Money Psychology Assessment : homeecpodcast.comFollow us on socials: Instagram : @homeecpod & @Calibrate_app TikTok LinkedinQuestions or reflections? Email Moraya@personawealth.comImportant NoticeThis podcast is for educational and informational purposes only. It is not financial, legal, or clinical advice, and does not replace working with a qualified financial professional or licensed therapist who understands your individual situation. Listening does not create a therapeutic or advisory relationship.

Money rarely causes conflict for couples because of the numbers alone. It creates tension because it touches safety, trust, fairness, curiosity and the question couples rarely say out loud, even when they feel it: “Am I alone in this?” Like sex, honest money talks with our partners ask for self-awareness, emotional risk, and a willingness to be imperfect together.In this episode of HomeEc, Nick Ashburn and Moraya Seeger DeGeare sit down with Couples Therapist Renee Segal to explore why money conversations between partners can feel so charged, how couples therapists navigate money tension in the therapy room, and her own money story. To utilize the podcast with your own insights start with the free 15 minute Calibrate Assessment Key TermsAttachment describes how we learn to seek safety, connection, and reassurance, especially when we’re stressed or uncertain. These patterns are shaped early in life and often show up in adult relationships, including how we respond to money, conflict, and support.Emotionally Focused Therapy (EFT) An evidence based therapy approach that helps partners understand and reshape emotional and nervous system patterns underneath conflict. Used with couples, individuals, and families. Pursuer and Withdrawer dynamics In EFT, pursuers tend to reach for connection under stress, while withdrawers tend to move away to regulate overwhelm. Neither is wrong. Both are protective strategies in an effort to maintain the health of the relationship.About Our GuestRenee Segal is a licensed marriage and family therapist, certified EFT therapist and supervisor, and founder of Evolve Therapy in Minnesota. Evolve therapy is accepting new couples at this time. Learn more at Evolvetherapymn.com and follow her on instagram & Linkedin. Renee brings a rare perspective shaped by lived experience on both sides of money, from her early career in accounting and financial services to clinical work with couples and running her EFT training clinic for therapists. Explore MoreEpisode reflections are available at homeecpodcast.com & we have your customized journal & voice memo prompt for the week posted to help you go deeper into your relationship with money.Learn about your own relationship with money and attachment at calibrateintelligence.com with our free personalized insights. Follow us on socials: Instagram : @homeecpod & @Calibrate_app TikTok LinkedinSlide into our DMs or email questions directly to Moraya@personawealth.comImportant NoticeThis podcast is for educational and informational purposes only. It is not intended as financial, legal, or clinical advice, nor is it a substitute for working with a qualified financial professional or licensed therapist who understands your individual situation. Listening to this episode does not create a therapeutic or advisory relationship.

Episode SummaryWhat if your financial history isn’t a knowledge problem or a personal failure, but a nervous system story?In this episode of HomeEc, we sit down with aspiring Rich Auntie Rachel to unpack a year of emotional, relational, and financial transformation that led to one unexpected move: she submitted her Calibrate Growth Profile alongside her mortgage paperwork.She got the mortgage.Financial Therapist Nick Ashburn and Licensed Marriage and Family Therapist  Moraya Seeger DeGeare explore what happens when context meets numbers, when behavior is understood instead of judged, and why “knowing what to do” so often breaks down without safety, regulation, and support.This episode challenges the idea that financial success is about discipline alone and asks a bigger question: what would change if lenders and advisors understood the human behind the spreadsheet?What We CoverWhy knowing better does not automatically lead to doing betterEmotional spending as regulation, not moral failureHow strengths become blind spots under stressOver-giving as a bid for connectionShowing up as an adult versus a younger, activated selfHow context changes financial behaviorWhat Rachel’s story reveals about credit, care, and trustWhy This Episode MattersRachel’s story shows what becomes possible when self-awareness, therapy, and behavioral insight enter real financial systems. This is not a story about perfection. It is a story about being seen, supported, and regulated enough to follow through.If you have ever felt behind, misunderstood by your numbers, or stuck in patterns you “know better” than to repeat, this episode is for you.Let’s Calibrate take the FREE 15 minute AssessmentJoin the HomeEc conversation on InstagramHomeEc TikTokDisclaimerThis podcast is for informational purposes only and does not constitute mental health, financial, or legal advice. It is not a substitute for guidance from a licensed mental health professional or a qualified financial advisor familiar with your personal circumstances.

HomeEc Season 2 episode 1Title: Stir The PotCooking time for this episode is 46 minutes. We are serving up something hot for humans juggling emotional labor, ambition, and overwhelm who want a clearer, more compassionate way to understand their financial lives and behaviors.Season two of HomeEc opens with Financial Therapist Nick Ashburn, Licensed Marriage and Family Therapist Moraya Seeger DeGeare, and the brilliant Chef La Mason exploring where well-being, entrepreneurship, and financial awareness meet. Together they look at what happens when caregiving, creativity, neurodiversity, and money collide. La shares how understanding her nervous system reshaped her life, helped her pay off thousands in debt, and shifted her relationship to work, rest, and self worth.Key Ingredients The emotional pressure of caregiving and the sandwich generation, neurodiversity, ADHD, and demand avoidance. Burnout, identity, and redefining success. Emotional spending as nervous system regulation Money as life energy. Calibrate’s behavioral lens on why you do what you do through the free Calibrate assessmentMemorable Quotes "I realized I wasn’t paying interest with dollars. I was paying with my time, my sleep, and my kid." "I thought I had a money problem. Turns out I had a capacity problem." "My nervous system wasn’t avoiding money. It was avoiding shame." "When you finally see your pattern, you can’t unsee it." "Budget apps kept telling me what to do. Calibrate finally told me why I couldn’t do it.""My spending wasn’t impulsive. It was my nervous system begging for relief."Main Course Topics: How emotional labor and caregiving shape financial patterns The impact of burnout on spending, planning, and focus Reframing decisions through time, energy, and capacity Why neurodivergent and overwhelmed brains hit avoidanceTaste It: Experiential Pause before opening a bill or app and notice what your body is doing Choose one well-being area to nurture instead of pushing harder Try La’s time-value reframe to understand the real cost of stress Convert one expense into hours of your life energy Journal prompt: When I emotionally spend, what am I trying to soothe Extra credit: Tell one trusted person the real story of your money weekHomeEc Links:Let’s Calibrate take the FREE 15 minute AssessmentCheckout La’s delicious food on Instagram La’s website Bon Fete Cuisine Join the HomeEc conversation on InstagramHomeEc TikTok