Money, Motherhood, and Rediscovering Yourself After Years as a SAHM — Insights from Karen Johnson, the 21st Century SAHM

Everyone's Talkin' Money

In this episode of Everyone’s Talkin’ Money, we’re diving into the untold story of stay-at-home moms and financial independence with Karen Johnson, also known as The 21st Century SAHM. Karen opens up about her powerful new book, What Do I Want to Be When They Grow Up?, and the identity crisis many mothers face when they step away from a paycheck to raise their kids.

You’ll hear:

• How to reclaim your financial worth as a stay-at-home mom — even if you’re not bringing in income

• The emotional and financial cost of sacrificing your career for your family and how to rebuild your sense of self

• Why investing in yourself isn’t selfish — and how to do it without the mom guilt

• How to have honest money conversations with your partner when you’re not earning a paycheck

• Karen’s top advice for women in their 40s navigating big life pivots and financial decisions

Whether you’re a stay-at-home mom, a working mom, or somewhere in between, this conversation will remind you that your worth isn’t defined by a paycheck — and that it’s never too late to invest in you.

You’ll walk away learning:

• Many women feel guilt about pursuing interests outside of motherhood.

• Motherhood can feel like a death of previous identity.

• Social media often portrays an unrealistic view of motherhood.

• Women are conditioned to feel guilty about not enjoying every moment.

• Perfectionism can negatively impact mental health in motherhood.

• It's important to focus on accomplishments rather than shortcomings.

• Unpaid labor in the household is valuable and should be recognized. Women should feel empowered to ask for what they deserve.

• Many women handle day-to-day finances but lack knowledge of larger financial matters.

• It's crucial for both partners to be educated about household finances.

• Financial literacy can prevent future hardships in case of unexpected events.

• Women often feel guilty about spending money on themselves.

• Selfishness in financial decisions can be redefined as self-care.

• Finding personal hobbies is essential for mental well-being.

• Aging can bring a sense of freedom and acceptance.

• Conversations about money should be open and honest, without guilt.

Follow Karen on social media @21stcenturysahm and visit the21stcenturysahm.com to pre-order her book, What Do I Want to Be When They Grow Up?

And don’t forget to follow us on Instagram @everyonestalkinmoney for more real talk about money, motherhood, and finding your power.

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