In Part 2 of this series, we shift from awareness → action.

In the first episode, we talked about why earning more money doesn’t automatically fix your mindset. In this episode, we dig into the harder question: how do you actually change your behavior around money?

I’m joined again by therapist Ginger Houghton, and we break down:

•  Why change feels so hard—even when you know what to do 
•  The “stages of change” and how they show up in your financial life 
•  Why most people get stuck before taking real action 
•  How to make progress without overwhelming yourself 
•  The role of identity, self-worth, and the stories you tell yourself about money 
•  Why small, consistent changes beat big, dramatic ones every time 

We also talk about when it might make sense to bring in a therapist alongside a financial advisor—especially if money brings up stress, anxiety, or deeper emotional patterns.

If you’ve ever thought:
 👉 “I know what I should be doing… I just can’t seem to do it”

This episode will help you understand why—and what to do about it.

In this episode, I’m joined by therapist Ginger Houghton to dive into something that doesn’t get talked about enough: the psychology of money—especially for high earners.

Because here’s the truth…
 Making great money doesn’t automatically mean you feel confident, secure, or at peace with your finances.

We talk about:

•  How your money story growing up shapes your financial behavior today 
•  Why high earners still experience scarcity mindset (even when they’re financially secure) 
•  How lifestyle inflation and social comparison quietly creep in—especially in today’s social media world 
•  Why some people overspend… while others are overly frugal 
•  And one of the biggest (and most misunderstood) patterns: avoidance

If you’ve ever:

•  Felt anxious about money despite earning a high income 
•  Found yourself comparing your lifestyle to others 
•  Or avoided looking at your finances altogether 

…this episode will likely resonate.

This is Part 1 of a two-part conversation. In the next episode, we’ll focus on how to actually start making changes.

Bonds are often labeled as the “safe” part of a portfolio — but that’s not always the full story.

In this episode, I break down how bonds actually work in a way that’s simple and practical. We’ll cover what a bond really is (at its core, a loan), how interest rates and credit quality impact returns, and why not all bonds carry the same level of risk.

I also walk through what happens to bond prices when interest rates change, why longer-term bonds typically pay more than shorter-term bonds, and how bond ratings play a role in both risk and return.

We’ll then shift to bond funds — which tend to confuse a lot of people — and simplify what’s actually going on under the hood (hint: they’re just collections of individual bonds). I’ll also share why I generally prefer bond funds over individual bonds, and how I think about structuring the bond portion of a portfolio.

My approach is to keep bonds on the more conservative side and take risk where it’s better rewarded — in stocks. But as always, it comes down to understanding the trade-offs so you can make the best decision for your situation.

Asset allocation — your big-picture mix of stocks and bonds — is the single biggest driver of risk and return in your portfolio. Not the specific fund. Not the stock picks. Not the headlines.

In this episode, I break down why your stock-to-bond allocation matters more than almost anything else when it comes to long-term results — and why misunderstanding that can lead to major frustration.

I share a real-life example of a prospective client who believed her advisor had underperformed “the market.” But once we looked at her asset allocation, the story changed. She wasn’t invested like “the market” at all — she was in a 60/40 portfolio. Given that mix, her returns were exactly what we’d expect. The real issue wasn’t performance. It was communication and expectations.

We’ll talk about:

• Why asset allocation drives portfolio outcomes
• How risk tolerance questionnaires are just the starting point — not the decision
• The tradeoffs between being more conservative vs. more aggressive
• The spectrum of bonds (yes, some are much riskier than others)
• How stocks break down: U.S. vs. international, large vs. small, growth vs. value
• Strategic vs. tactical vs. dynamic allocation — and why I firmly believe in strategic
• Why rebalancing is essential (and how it’s essentially “buy low, sell high” on autopilot)

If you’ve ever wondered why your returns don’t match what you see on the news — or how to decide what allocation is right for you — this episode will help you understand the framework that drives everything else.

Because investing success doesn’t start with picking the perfect fund. It starts with choosing the right mix.

If you’re working with a financial advisor — or thinking about hiring one — this episode is for you.

In this conversation, I sit down with Kelly Palmer, CFA, CFP®, Founder of The Wealthy Parent, to break down the often confusing world of financial advisors: how they charge, what services they provide, and how to evaluate whether you’re truly getting value for what you’re paying.

We unpack the difference between fee-only and fee-based advisors, what it really means to be a fiduciary, and why those distinctions matter more than most people realize. But we also go deeper: you can’t compare advisors by fee alone without understanding what’s included. Investment management only? Financial planning only? Or comprehensive planning plus portfolio management? The scope of services makes a big difference.

We also cover:

• How to research advisors using the SEC and FINRA websites
• Key questions to ask about fees, services, and conflicts of interest
• Why personality fit may matter just as much as credentials

Whether you’re interviewing advisors for the first time or already have one and aren’t sure how you’re paying — or what else is out there — this episode will help you become a more informed, empowered consumer of financial advice.

Because clarity isn’t just for your portfolio. It’s for the people managing it.

Your paycheck is your biggest wealth-building asset—are you protecting it?

In this episode, we continue our deep dive into protecting your income stream by unpacking something most high earners overlook until it’s too late: employment contracts.

I’m joined by attorney Emily Catania, who breaks down what you actually need to understand before signing a job offer—and what to revisit if you’re already employed or worried about a potential layoff.

We cover:

• What to look for (and question) in employment contracts beyond salary
• How benefits, retirement plans, and health insurance can make or break an offer
• Non-compete agreements: what’s enforceable, what’s negotiable, and what’s changing
• How to use AI as a first pass to spot red flags in contracts
• What severance agreements really mean—and how much leverage you may still have
• Key steps to take immediately if you’re laid off or worried about job loss
• Why your financial advisor, CPA, and attorney should work together

If you’re a high earner with RSUs, growing family responsibilities, or career mobility on your mind, this episode will help you protect your earning power—and make smarter decisions before emotions take over.

You can be a high earner, maxing out every tax-advantaged account, and still be financially vulnerable. 

In this episode, I explain why many HENRYs feel like they’re living paycheck to paycheck — and why that’s often normal, but not always safe. We’ll unpack the risks of having too much of your money locked up in retirement accounts and home equity, especially in a job market where unemployment can last six months or longer. 

You’ll learn why the standard “3–6 month emergency fund” often falls short, how aggressive mortgage paydowns can weaken your liquidity, and what it really means to build a Financial Fortress that protects your cash flow when life doesn’t go according to plan. 

I also introduce the framework behind my free tool at www.fortressf.com, designed to help you evaluate your short-term financial resilience. 

This episode is about strengthening your defenses — so your long-term plan actually works. 

If you’re a high earner who’s ever been shocked by a tax bill—or confused about why your bonus was taxed the way it was—this episode is for you.

In this conversation, Carla sits down with Claire Gallant, CPA, CFP and Logan Holman, CPA, co-founders of Vivify (www.usevivify.com), to break down the most common tax misconceptions they see among high-income professionals. Together, they unpack how bonuses are actually taxed (and why it often feels worse than it is), why projecting taxes throughout the year matters, and how small missteps—like incorrect W-4 elections after getting married—can lead to costly surprises.

They also discuss when your financial situation has crossed the line from “DIY-able” to needing a professional, why collaboration between a CPA and financial advisor is so important, and how the right tax support can materially improve your outcomes—not just at tax time, but all year long.

By the end of this episode, you’ll have a clearer understanding of how the tax system really works for high earners, what myths to ignore, and how to proactively plan so taxes stop feeling reactive and stressful.

Whether you’re navigating bonuses, marriage, or growing complexity in your finances, this episode will help you approach tax planning with more confidence and fewer surprises.

Are you maxing out your 401(k) but still not getting the results you expected?
In this episode, we walk through the 10 hidden 401(k) traps that even high earners fall into — the small oversights that silently cost thousands in taxes, missed employer money, and long-term returns.  By the end, you’ll know exactly how to audit your own 401(k) and make sure every dollar you contribute is working as hard as you are. 

Are you managing your own investments—or thinking about it—but not sure if you’re doing it right? In this episode, Carla breaks down the three most common mistakes she sees high-earning DIY investors make that quietly sabotage long-term wealth growth.

Whether you love managing your portfolio yourself or you just ended up doing it by default, this episode will help you identify where things might be going off track and what to do about it.

You’ll learn:

• Why accumulating too much cash hurts your wealth and how to strike the right balance between liquidity and long-term growth
• Why piecemealing investments creates a messy, underperforming portfolio—and how to build a real investment “recipe” that aligns with your goals
• The danger of concentrated stock positions, especially in your employer’s stock or the tech sector, and how to reduce unnecessary risk

By the end, you’ll know whether:

1. You’re on the right track and can confidently continue self-managing,
2. You need to make a few strategic adjustments, or
3. It’s time to consider working with a financial advisor.

This episode is your roadmap to becoming a smarter, more intentional investor—so your hard-earned money actually grows into meaningful wealth.

Welcome to the very first episode of The HENRY to Wealthy Podcast! Today, we’re kicking things off by defining exactly what a HENRY is and why this podcast exists.

HENRY stands for High Earner, Not Rich Yet—people earning around $250K+ per year in household income, who may look successful on paper, but haven’t yet built meaningful wealth. Because the truth is: a high income does not make you wealthy. If as much money is going out as is coming in, your net worth is zero—and income alone won’t buy financial freedom. Lasting wealth requires time, discipline, intention, and smart planning.

In this episode, I share:

• What it means to be a HENRY and the unique financial challenges high earners face
• The inspiration for this podcast, including the story of a woman in her 60s who wanted to retire but only had $4,000 saved—and why that moment changed the trajectory of my career
• My personal background—from starting a chemistry PhD progran at Northwestern University, realizing I was meant to work with people (not lab equipment!), moving into wealth management, earning my CFP®, completing my MBA at Chicago Booth, and eventually launching Ametrine Wealth to help high earners make the most of their income

This podcast is for ambitious professionals in their 30s and 40s who want to turn high income into lasting wealth. We’ll talk about investing, saving, tax strategy, equity compensation, insurance, estate planning, money mindset, and the tools that can transform your financial future.

Because small changes today can have life-changing results decades from now—and I’m passionate about helping you build a life where work is optional.