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!

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