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Carrie Rattle

Carrie is a Principal at Behavioral Cents with 20+ years executive level in banking, securities, credit cards. She hopes to help women succeed where most of the industry has failed - in changing actual money habits.
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Recent Posts

Why Pay Equity Isn’t Enough for Women’s Equality

Posted by Carrie Rattle on Apr 19, 2019 10:15:00 AM

I hope to see pay equity in my lifetime, for all the women who continue the hard fight for it. It took 30 years for all the working women of my generation to move the pay equity needle from 69 cents to 81 cents. THIRTY YEARS, of working long hours, being perfectly prepared for every meeting, receiving promotions every 1 ½ years, and yes, even negotiating raises and bonuses.  THIRTY YEARS for all the women who raised children and worked full time, running out at 5 pm facing scorn from their male counterparts, then working 2 hours after they cooked dinner and put the kids to bed.  But Pay Equity still won’t achieve equality, and here’s why.

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Topics: savings, money selfcare, divorce and finances, womenandmoney, pay equity, money coach, women and wealth, women's equality, financial therapist, financial wellness

Are You in the Right Tribe? 3 Key Indicators

Posted by Carrie Rattle on Mar 7, 2019 10:00:00 AM

“Tribe” is a new word, and a very old word. It’s used a lot in the women’s networking world – “finding your tribe”. This blog came to me after finding my own networking tribe after a 2-year search. I’m also reminded of how I am surrounded by my true tribe in life, which keeps me happy and grounded. Here are three indicators to help you identify if you’re in the right tribe for you, and what it means to your spending.

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Topics: Money Management, Money Habits, Money Talk, money selfcare

Learn to Face Money in a Gentle Way - Don't Miss This!

Posted by Carrie Rattle on Mar 1, 2019 10:15:00 AM

Do you literally vibrate inside with panic when the topic of money comes up? Is your money anxiety due to under confidence or frightening conversations you heard as child? You know money self-care is as important as taking care of your health, your children, your career, but you just can't face it? We completely understand. This seminar has been created especially for you.

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Topics: fear of money, money selfcare, womenandmoney

4 Things to Honestly Talk About Before You Buy a Home Together

Posted by Carrie Rattle on Feb 12, 2019 8:10:00 AM

“No surprises” is the mantra I highly recommend for any two people wanting to buy a home together. It may be your next home after outgrowing the one you’re in. It might be your first home now that you’re newly married. Maybe you’re just trying out this couple thing and are willing to share an asset. Regardless, when it comes to getting a mortgage, here are 4 things that even married couples are sometimes surprised about – when it’s almost too late.

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Topics: savings, money selfcare, reduce debt, divorce and finances, marriage, home buying, real estate

The Raw Effect Of Money Secrets On Love & Marriage

Posted by Carrie Rattle on Feb 8, 2019 11:00:00 AM

Many couples don’t want to talk about money. The reasons run from “It will ruin the romance” to “I don’t want to rock the boat”. Love and marriage are perceived as pure, hopeful, and precious – and money is often considered dirty, callous, or controversial. Here is why this thinking is completely wrong, and how your love is already in trouble if you think this way.

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Topics: money selfcare, reduce debt, marriage

Are You Tying the Knot for the Second (or third) Time?

Posted by Carrie Rattle on Dec 19, 2018 5:19:35 PM

“I wish I discussed finances before I got married last time.” Sound familiar?

Did you know past statistics have shown that in the U.S. approximately 50% percent of first marriages, 67% of second, and 73% of third marriages end in divorce?* Not surprisingly, a major cause of divorce in marriages is money. *

 You’ve found that special someone (again) but, you’re still trying to figure out how you talk about the “M” word without ruining the romance. You know it's smart to work together, but where do you start? Building a solid foundation of communication and partnership around managing your money is crucial to lifelong intimacy, trust, and success in a marriage. 

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Topics: personal finance, money anxiety, divorce and finances, marriage

Help Loved Ones by Putting Money Self-care on Your List

Posted by Carrie Rattle on Sep 10, 2018 9:00:00 AM

 

Sometimes my clients move appointments further out this time of year. When the sun is shining, barbecues are scheduled, and summer camp is around the corner, life is a flurry of activity. There is hope and warmth and fun. Money has traditionally been last on their list, falling behind TV re-reruns and cleaning out the garage.

Any reason is valid to avoid the shame, fear, or embarrassment that arises around money. We choose to live with the underlying hum of money anxiety rather than confront it in the open. 

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Topics: personal finance, savings, money anxiety, fear of money, money selfcare, reduce debt

How Fear Clouds Reality

Posted by Carrie Rattle on Sep 4, 2018 11:01:00 AM

My clients are terrific. They are all unique with their own special gifts and ways of looking at the world. I learn something from each of them. And yet, the way they feel when they first come to me is so incredibly heartbreaking….and unnecessary.It takes incredible courage to admit that their financial situation isn’t where they’d like it to be, and to bear their souls about the inner most secrets of their financial lives. Just that alone is enough for me to want to wrap my arms around them and protect them from further hurt.

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Topics: divorce, anxiety, money anxiety, fear of money, fear

Divorce Series Part 4: Start 3 Months BEFORE You Start the Divorce Process

Posted by Carrie Rattle on Aug 27, 2018 10:00:00 AM

If you decide to initiate the divorce process, take the time to research all your finances thoroughly. Once your intent to divorce is verbalized, the emotional roller coaster begins. Hopefully it doesn’t include the hiding of assets or deceitful misrepresentation. 

Even if you don’t understand what you’re looking at, finding information can be very helpful for you.  Your lawyer and Certified Divorce Financial Analyst will know what to do with it all.

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Topics: divorce, how to divorce, divorce document preparation, divorce preparation checklist

Divorce Series Part 3: The 3 Biggest Financial Mistakes You Can Make

Posted by Carrie Rattle on Aug 20, 2018 10:00:00 AM

The list of potential financial mistakes made while divorcing can be extensive. It is an exhausting, emotional time for everyone. Every money decision is emotional to begin with, and this stress just adds to the mix.  Divorce and finances can become complicated and dividing assets can be complex, which is why the finance industry CDFA © designation exists. Long ago, lawyers used to divide assets on a spreadsheet. But as finances grow in complexity, it is important to talk with your accountant on how to prepare for divorce financially and to have a CDFA do the work for you.

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Topics: divorce, personal finance, divorce and finances, how to prepare for divorce

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