Karen Coyne, CFP, Clarity Planning/Raymond James

06/18/2026

Big news! Karen has been selected as a speaker at Tedx Vero Beach!

Her talk is about how financial literacy can fail—even when you’re doing everything right. Aligning with the Architecture of Change theme, she’ll discuss why it might be time to unlearn some of the assumptions we’ve picked up around financial literacy.

The wait is over!

We're excited to introduce the remarkable speakers who will take the TEDx Vero Beach stage on Saturday, October 3, 2026, at The Emerson Center.

This year's theme, The Architecture of Change, explores a powerful idea: change isn't random. It's built.

Our speakers will share transformative stories, groundbreaking research, bold innovations, creative perspectives, and ideas that challenge the status quo. From science and technology to human resilience, education, exploration, and the arts, this year's lineup represents some of the most fascinating voices you'll hear anywhere on the Treasure Coast.

Visit TEDxVero.com to meet the speakers, read their bios, and learn more about the ideas they'll be sharing.

And if you've been thinking about attending, now is the time.

Early Bird tickets are on sale 2 for $100 through June 30.
Starting July 1, tickets are $75 each. Click Purchase Tickets button on the upper right corner of the home page.

Join us for an afternoon of ideas, inspiration, and meaningful conversations.

TEDx Vero Beach
Saturday, October 3, 2026
2:00 PM
The Emerson Center
Vero Beach, Florida

Purchase tickets at TEDxVero.com

06/04/2026

One of the hardest parts of sudden wealth is that your financial situation can change overnight while your relationship with money stays exactly the same.

Someone who spent decades being very cautious with money doesn’t suddenly stop feeling that way just because there’s now more money in the account.

Marin Laukka calls this “false scarcity.” People can objectively have enough and still feel stuck, anxious, or unable to spend because their identity was built in a completely different financial reality.

If you’ve ever wondered why more money doesn’t always create peace of mind, don’t miss this episode of Money Without Math.

06/03/2026

My son made an ask the other morning.
Nothing unreasonable—but it made me laugh.

Because growing up, I didn’t ask my parents for much.
A lot of us didn’t.

We adapted.
We figured it out.

We sucked it up.

And that worked… until it didn’t.

Because now, many of us have trained ourselves not to ask for help.

Meanwhile, we’re raising a generation of “negotiation monsters”...and realizing, we might have something to learn from them.

YouTube: https://loom.ly/_SyEV_Y �
Apple Podcasts: https://loom.ly/VDmyGsQ �
Spotify: https://loom.ly/184BoE8

06/01/2026

If you want to get better at asking for more,
start practicing…with yourself.

One question that really stood out to me from this conversation with Raineka Weston:

“What am I no longer willing to tolerate?”

It’s a simple question—but an honest answer will likely point you straight to a conversation you’ve been avoiding.

And often, that conversation is the negotiation.

In this clip, Raineka shares a few powerful questions to help you start building your “negotiation reps.”

YouTube: https://loom.ly/_SyEV_Y
Apple Podcasts: https://loom.ly/VDmyGsQ
Spotify: https://loom.ly/184BoE8

05/28/2026

Was there a time when you didn’t speak up, or didn’t make an ask you wanted to make?

What got in the way?

Did you suddenly forget your value?

In this episode, leadership coach Ranieka Weston makes a powerful point: when it comes to making an ask, the first negotiation is usually with yourself.

Listen to the full episode:
YouTube: https://loom.ly/_SyEV_Y
Apple Podcasts: https://loom.ly/VDmyGsQ
Spotify: https://loom.ly/184BoE8

05/27/2026

We tend to think of negotiation as a high‑stakes, high‑pressure moment—something formal, uncomfortable, and reserved for big decisions.

But what if that framing is exactly what holds us back?

Ranieka Weston offers a different perspective:
negotiation is happening all the time—in small conversations, quick decisions, and everyday interactions.

These moments are the “reps” that build confidence and shape outcomes long before anything feels high‑stakes.

If you’ve ever walked away from a conversation thinking, “I should’ve said something,” don’t miss the latest episode of Money Without Math.

Take a listen to the full episode for more insights.

YouTube: https://loom.ly/_SyEV_Y
Apple Podcasts: https://loom.ly/VDmyGsQ
Spotify: https://loom.ly/184BoE8

05/15/2026

Parenting is becoming a 30-year financial commitment.

Many parents know this, but not everyone is talking about it.

Whether you are giving support or receiving it, talk openly with your family, sooner rather than later. Don’t wait until there’s a crisis, or until unspoken expectations lead to conflict.

If you’re not sure where to begin, share this episode with Dr. Eliza Filby.

YouTube: https://loom.ly/uppYsGc
Apple Podcasts: https://loom.ly/RbY9unc
Spotify: https://loom.ly/HuQrqco

05/11/2026

When your income isn’t near what it needs to be to afford a home, skipping lattes and avocado toasts isn’t going to make a meaningful difference.

Coffee didn’t price people out of housing, markets did.

At the same time, wages haven’t kept up. Today, being able to afford a home or even stay afloat increasingly depends less on income, and more on family support. Dr. Eliza Filby calls this shift “Inheritocracy,” the topic of our latest Money WIthout Math episode.

YouTube: https://loom.ly/uppYsGc
Apple Podcasts: https://loom.ly/RbY9unc
Spotify: https://loom.ly/HuQrqco

05/08/2026

We were told the formula was simple: study hard, work harder, and you'll get ahead.

But what if the formula was always missing a variable?

Not talent. Not grit. Not credentials.

Access.

Specifically — access to the kind of financial cushion that lets you fail without falling, move without being stuck, and build without starting from zero.

Dr. Eliza Filby puts a name to something many of us have felt but couldn't quite articulate. And naming it matters — because you can't challenge a system you can't see.

The question isn't whether inheritocracy is real. It's what we do now that we know it is.

If that question sits with you, the full conversation goes much deeper — dive into the whole episode and follow the thread all the way through.

Take a listen to the full episode for more insights.

YouTube: https://loom.ly/uppYsGc
Apple Podcasts: https://loom.ly/RbY9unc
Spotify: https://loom.ly/HuQrqco

05/07/2026

Hard work still matters. But increasingly, it’s not the whole story.

When the cost of housing, education, and healthcare greatly outpace wages, something has to give. Unless you have another means of support. Namely, access to family wealth.

Historian Dr. Eliza Filby and author of “Inheritocracy: It’s Time to Talk About the Bank of Mum and Dad” does just that in the latest episode of Money Without Math. Take a listen to understand how family wealth is reshaping opportunity.

Take a listen to the full episode for more insights.

YouTube: https://loom.ly/uppYsGc
Apple Podcasts: https://loom.ly/RbY9unc
Spotify: https://loom.ly/HuQrqco