Walk of Shame - Spending Regret, Shame, and The Holidays

Prep Time: 45 minutes Serves: Anyone seeking relief from holiday spending pressure and craving more intentional ways to celebrate without breaking their budget or spirit.

Your Hosts

Nick Ashburn is the CEO and founder of Personawealth, where he's redefining our relationship with money to support overall well-being, bringing experience from leading responsible investing at PNC Bank and directing impact investing at Wharton. From singer to Fulbright scholar to fintech founder, his unique journey shapes his approach to making financial wellness more accessible and personal.

Moraya Seeger DeGeare, MA, LMFT is a Black Biracial therapist and sought-after expert advising in tech and marketing. She is featured in NPR's Life Kit, Forbes, and Vice, bringing over a decade of experience helping couples build strong sustainable intimate relationships. As co-founder of BFF Therapy and couples therapist at Evolve Therapy, she combines her multicultural upbringing and clinical expertise to create honest conversations about wealth, culture and wellbeing.

🥄 Quick Bites (data driven baking)

• Research shows we lose about 50% of our friendships every 7 years (Science Daily)
• Black Friday 2024 spending hit $10.8 billion, up 10.2% (CBS News)
• Average holiday spending forecast: $1,000 per person, up 14% from 2023
• 48% of parents report guilt driving holiday overspending

🫕 Main Ingredients Discussed

• Holiday spending pressures & family dynamics
• Shopping psychology & emotional triggers
• Gender differences in holiday spending
• Marketing tactics during holiday season

🎁 Key Quotes

"We're not here to tell you how to get rich quick or that you shouldn't have that latte or avocado toast... we're leaning into what makes you – you." - Nick

"Marketing, social pressure, emotional spending, family expectations are in a lot of families. You don't even wanna do any of this. It has nothing to do with your shame, but your mom, your aunt, someone's gonna be like, 'I can't believe you didn't do more.'" - Moraya

🥘 Recipe for Better Holiday Spending

• Set realistic budgets before shopping starts
• Consider alternative gift approaches (experiences, homemade)
• Communicate financial boundaries with family
• Focus on traditions over transactions

📱 Join Our Kitchen Table Conversations

• Instagram/TikTok: @homeecpod
• Email: [email protected], [email protected] [email protected]
• Website: Personawealth.com + HomeEcPodcast.com

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