ZARZA We are Zarza, the prestigious firm behind major projects in information technology.
Listen "Money & Moving On, Part 2: Sylvia Guinan on Budgeting, Boundaries, and Thriving Financially After Divorce"
Episode Synopsis
What if financial freedom after divorce wasn’t about sacrifice, but about clarity, control, and confidence?
In this episode of The Moving On Method® Podcast, Michelle Dempsey-Multack and Sylvia Guinan, a Certified Divorce Financial Analyst at Wells Fargo Advisors, unpack what it truly means to thrive financially after separation. From redefining your relationship with money to creating stability for your children, this conversation offers a practical and empowering roadmap for starting over with confidence and calm.
What You’ll Learn:
How to create a post-divorce budget that reflects your real life, not your fears
The mindset shift from restriction to empowerment when managing money
Why self-care is a financial priority, not an indulgence
How to talk to your children about money in a way that builds healthy financial awareness
The most common financial red flags newly divorced women face, and how to avoid them
Episode Highlights:
00:00 – Michelle and Sylvia open up about the emotional side of financial recovery
04:10 – Building your first post-divorce budget with confidence and clarity
09:35 – The emotional psychology behind spending and scarcity
14:20 – Prioritizing your essentials: home, health, and self-care
20:15 – Teaching your children healthy financial habits without fear
25:30 – Avoiding the top financial red flags after divorce
29:00 – How to rebuild peace, confidence, and control through budgeting
32:15 – Final reflections: clarity as the foundation of calm
Meet the Guest
Sylvia Guinan is a Certified Divorce Financial Analyst (CDFA) at Wells Fargo Advisors, helping women transition from financial uncertainty to clarity and control. With deep expertise in post-divorce planning, she guides clients through budgeting, investment strategy, and long-term wealth preservation, empowering them to thrive independently.
Tools, Frameworks, or Strategies Mentioned:
The Post-Divorce Budget Framework: a two-column model for “Current Lifestyle” vs. “Retirement from Marriage”
Financial Boundary Method: redefining budgets as boundaries, not punishments
The Self-Care Allocation Principle: how emotional well-being directly impacts financial health
Money Mindset Reset: shifting from scarcity to stability
Closing Insight:
“A budget isn’t a burden, it’s your blueprint for freedom.” — Michelle Dempsey-Multack
Every financial decision after divorce is an opportunity to rewrite your story. This episode reminds listeners that true wealth isn’t just measured in dollars, it’s in the peace of knowing you’re in control of your future.
Explore "Money & Moving On," our new guide to financial freedom after divorce: https://bit.ly/MoneyMoveYouTube
Join The Moving On Collective! A safe, judgment-free support group experience for divorced and divorcing parents: https://bit.ly/MichelleCommunity
Subscribe to our YouTube Channel: https://www.youtube.com/@TheMichelleDempsey
Website - https://michelledempsey.com/
Facebook - https://www.facebook.com/michelle645
TikTok - https://www.tiktok.com/@themichelledempsey1
LinkedIn: https://www.linkedin.com/in/mldempsey/
Link to Transcript: https://transcripts/moving-on-method-ep268-divorce-financial-recovery-and-budgeting
Learn more about your ad choices. Visit megaphone.fm/adchoices
In this episode of The Moving On Method® Podcast, Michelle Dempsey-Multack and Sylvia Guinan, a Certified Divorce Financial Analyst at Wells Fargo Advisors, unpack what it truly means to thrive financially after separation. From redefining your relationship with money to creating stability for your children, this conversation offers a practical and empowering roadmap for starting over with confidence and calm.
What You’ll Learn:
How to create a post-divorce budget that reflects your real life, not your fears
The mindset shift from restriction to empowerment when managing money
Why self-care is a financial priority, not an indulgence
How to talk to your children about money in a way that builds healthy financial awareness
The most common financial red flags newly divorced women face, and how to avoid them
Episode Highlights:
00:00 – Michelle and Sylvia open up about the emotional side of financial recovery
04:10 – Building your first post-divorce budget with confidence and clarity
09:35 – The emotional psychology behind spending and scarcity
14:20 – Prioritizing your essentials: home, health, and self-care
20:15 – Teaching your children healthy financial habits without fear
25:30 – Avoiding the top financial red flags after divorce
29:00 – How to rebuild peace, confidence, and control through budgeting
32:15 – Final reflections: clarity as the foundation of calm
Meet the Guest
Sylvia Guinan is a Certified Divorce Financial Analyst (CDFA) at Wells Fargo Advisors, helping women transition from financial uncertainty to clarity and control. With deep expertise in post-divorce planning, she guides clients through budgeting, investment strategy, and long-term wealth preservation, empowering them to thrive independently.
Tools, Frameworks, or Strategies Mentioned:
The Post-Divorce Budget Framework: a two-column model for “Current Lifestyle” vs. “Retirement from Marriage”
Financial Boundary Method: redefining budgets as boundaries, not punishments
The Self-Care Allocation Principle: how emotional well-being directly impacts financial health
Money Mindset Reset: shifting from scarcity to stability
Closing Insight:
“A budget isn’t a burden, it’s your blueprint for freedom.” — Michelle Dempsey-Multack
Every financial decision after divorce is an opportunity to rewrite your story. This episode reminds listeners that true wealth isn’t just measured in dollars, it’s in the peace of knowing you’re in control of your future.
Explore "Money & Moving On," our new guide to financial freedom after divorce: https://bit.ly/MoneyMoveYouTube
Join The Moving On Collective! A safe, judgment-free support group experience for divorced and divorcing parents: https://bit.ly/MichelleCommunity
Subscribe to our YouTube Channel: https://www.youtube.com/@TheMichelleDempsey
Website - https://michelledempsey.com/
Facebook - https://www.facebook.com/michelle645
TikTok - https://www.tiktok.com/@themichelledempsey1
LinkedIn: https://www.linkedin.com/in/mldempsey/
Link to Transcript: https://transcripts/moving-on-method-ep268-divorce-financial-recovery-and-budgeting
Learn more about your ad choices. Visit megaphone.fm/adchoices
In God we trust