4.8 • 952 Ratings
🗓️ 3 October 2025
⏱️ 43 minutes
🧾️ Download transcript
What if your spending habits could truly reflect your deepest values? In this episode, Diane and Jen explore the concept of values-based spending, revealing how it can lead to more intentional and mindful financial decisions. They delve into the role of dopamine in our spending habits and offer practical strategies for breaking the cycle of stress shopping. Tune in as they share tips for identifying and prioritizing your core values, helping you align your spending with what truly matters.
Jen Smith is a personal finance expert and co-host of the Frugal Friends podcast. She and her husband paid off $78,000 of debt in two years while battling unemployment and buying a house. Jen has since become a sought after writer and speaker helping people live for today while being able to save for tomorrow. She’s written for and been featured in top personal finance publications including Forbes, Money Magazine, Business Insider, Investopedia, and more. When she’s not writing or podcasting she’s training for a half marathon at Disney World. She lives in St. Petersburg, Florida, with her husband and two sons.
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| 0:00.0 | Hey everyone, before we dive in, I wanted to let you know that today's episode is a special re-air. This is one of the most loved conversations from the archive, and since so many of you are new to the show or may not have heard it the first time, I wanted to go ahead and bring it back. It's still just as relevant today, and I think you'll get a lot out of it. So with that, let's get into this replay of Buy What You Want without going broke with my guest, Jen |
| 0:21.2 | Smith. When your values are the North Star, you start thinking, how can I get more of the things |
| 0:28.5 | I value most? Not just, okay, how can I like cut my spending? How can I be okay with cutting out |
| 0:35.7 | happy hour on Friday? And how can I be okay with cutting out my morning latte? |
| 0:40.4 | When we start focusing on the values, then it changes the conversation. |
| 0:45.7 | It's like, how can I get more time with friends? |
| 0:48.3 | I can invite them over to my house for cocktails or wine night or potluck. |
| 0:53.1 | And we forget about the deprivation. |
| 0:57.2 | Not 100% because there is sacrifice. |
| 1:00.5 | Yeah. |
| 1:01.0 | But it changes from a conversation of deprivation to truly like a values aligned to life. |
| 1:08.6 | And yes, there's still sacrifice. |
| 1:12.4 | When we're, anytime you're changing direction, there's friction. But the friction is good. Lean into the friction because |
| 1:17.8 | you're going, you're going the right way. Hello and welcome to the minimalist moms podcast. |
| 1:23.7 | What if your spending habits could truly reflect your deepest values? In today's episode, I speak with |
| 1:29.9 | Jen Smith, host of the Frugal Friends podcast, all about the concept of values-based spending, |
| 1:35.7 | revealing how it can lead to more intentional and mindful financial decisions. We delve into the role of |
| 1:40.7 | dopamine and our spending habits, and Jen offers practical strategies for breaking |
| 1:44.8 | this cycle of stress shopping. I promise this episode will help you as you identify and prioritize |
| 1:50.1 | your core values, helping you to align your spending with what truly matters. But before we get |
| 1:55.5 | there, I quickly want to share a minimalist moment of the week with you. All right, and always |
| 2:00.4 | prioritizing full transparency |
... |
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