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 here! Learn more about the wages & inflation here! Learn more about the US Inflation Rates! Learn more about Jayne & Alicia's work here! Check out this resource! Connect with Alicia! 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.

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Fixing More Than the Numbers: Counseling Strategies When Budgets Don't Do the Trick with Jayne Larson and Alicia Lawrence is an episode from Real Money, Real Experts by AFCPE®.

This episode is 25:08 long.

This episode was published on Mar 3, 2026.

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