What does it actually look like to start your life over at 60 — after 32 years of marriage, after losing your identity as a wife, a first lady, and a woman who gave everything to everyone else? Tanya Washington did it, and she didn't just survive — she rebuilt from the ground up.

In this episode, Tanya shares how she went from a 498 credit score to a 742, earned two associate degrees later in life, and rediscovered herself after decades of being defined by her roles. Her story is honest, practical, and deeply encouraging for any woman who has ever wondered if it's too late to start again.

We cover the identity shift that hits hardest after a long marriage ends, how going back to school gave her a space to just be Tanya, the step-by-step credit journey that changed her financial life, the mindset shift that made rebuilding feel possible, and what she says to women who feel too exhausted or too far behind to even try.

If you've been waiting for permission to begin again — this is it.

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Join Dr. Sev's Wealth Warriors Community for more financial discussions and insights (FREE to join): https://www.skool.com/wealth-warriors-community-1025/about

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The Dr. Sev Talks Money podcast's mission is to empower women to approach money confidently, reframe their financial habits, and build a future where their money is a tool for opportunity and security.

Through Dr. Sev Talks Money YouTube channel and Podcast, I provide actionable advice and inspiration to help you achieve financial freedom. Join me for one-on-one coaching, group sessions, workshops, or speaking engagements as we journey to financial empowerment together. It’s never too late to begin again—let’s make it happen!

Here is one way you can support the Dr. Sev Talks Money podcast and YouTube channel:

https://www.buymeacoffee.com/DrSevTalksMoney

My website: www.sevtalksmoney.com

YouTube: https://www.youtube.com/c/DrSeverineBryan--SevTalksMoney

LinkedIn: https://www.linkedin.com/in/severinebryan/

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Tanya's bio and ways to connect:

Tanya "Winningatlife" Washington is a transformational voice for women over 60 who are rebuilding their lives after divorce, loss, and major life transitions. A mother of nine, she spent over three decades in marriage before facing the reality of starting over—emotionally, financially, and personally.

After her divorce, Tanya rebuilt her life from the ground up—raising her credit score from 498 to 742, returning to college to earn two associate degrees, and creating financial independence on her own terms. Through her content, coaching, and digital products, she now helps women 60+ reclaim their identity, rebuild confidence, and create a clear path forward without feeling overwhelmed.

Known for her calm, honest, and no-nonsense approach, Tanya teaches that it’s never too late to start again—and that rebuilding your life is not failure, it’s transformation.

Connect with Tanya: Instagram @IAmTanyaWinningAtLife | Facebook: Tanya Winning at Life

0:00 — What Does Starting Over at 60 Really Look Like?

2:00 — Why She Goes By "Tanya Winning at Life"

5:00 — 32 Years of Marriage, Then Starting From Scratch

10:00 — How Going Back to School Helped Her Find Herself Again

16:00 — From a 498 to a 742 Credit Score: The Real Journey

24:00 — Why Community Is the Secret Weapon Nobody Talks About

26:00 — The Mindset Shift That Made Rebuilding Feel Possible

33:00 — What to Do When You Feel Too Old and Too Exhausted to Rebuild

37:00 — What Tanya Is Working on Now and Where to Find Her

Starting over after 50 is not failure, it is a rebuild. In this video on starting over financially after 50, I walk you through three steps to help you get clear, build stability, and choose one priority as you rebuild your finances after divorce, job loss, or any major life disruption.

You will learn
$ How to get clear on what you have to work with right now
$ How to build financial stability after a major disruption
$ How to choose one priority instead of trying to fix debt, credit, and savings all at once
$ Why starting over is not the same as starting from zero

If you are rebuilding your finances after divorce, recovering your credit score, or just trying to feel less behind with money after 50, this video is for you. You are not behind. You are rebuilding with more wisdom, more clarity, and more intention.

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The free five-minute money mindset reset resource helps you start. The community helps you keep going.

*Grab the free download, 5-Minute Money Mindset Reset: https://www.sevtalksmoney.com/wp-content/uploads/2026/06/5-Minute-Money-Reset.pdf

Join Dr. Sev's Wealth Warriors Community for more financial discussions and insights (FREE to join): https://www.skool.com/wealth-warriors-community-1025/about

****************************************************

The Dr. Sev Talks Money podcast's mission is to empower women to approach money confidently, reframe their financial habits, and build a future where their money is a tool for opportunity and security.

Through Dr. Sev Talks Money YouTube channel and Podcast, I provide actionable advice and inspiration to help you achieve financial freedom. Join me for one-on-one coaching, group sessions, workshops, or speaking engagements as we journey to financial empowerment together. It’s never too late to begin again—let’s make it happen!

Here is one way you can support the Dr. Sev Talks Money podcast and YouTube channel:

https://www.buymeacoffee.com/DrSevTalksMoney

My website: www.sevtalksmoney.com

YouTube: https://www.youtube.com/c/DrSeverineBryan--SevTalksMoney

LinkedIn: https://www.linkedin.com/in/severinebryan/

0:00 Intro: Starting Over After 50 Is Not Failure

0:38 Life Events That Disrupt Your Finances

1:00 Reframe: You're Not Starting From Zero

1:24 Step 1: Get Clear On What You Have

2:58 Step 2: Rebuilding After Divorce: Build Financial Stability

4:12 Reduce Financial Chaos

6:35 Create Predictability With Your Money

9:23 Build Your Emergency Fund

11:14 Step 3: Choose One Priority

12:20 Take One Action Today

13:33 Mistakes To Avoid When Rebuilding

14:00 You Are Not Behind, You Are Rebuilding

14:22 Free 5-Minute Money Mindset Reset to get started

14:37 Join The Wealth Warriors Community to continue the conversation

Have you ever assumed that someone with a degree and a good credit score must have their finances together?

Many people assume that a good income, a strong career, or an excellent credit score automatically means financial success.

Attorney and financial literacy educator Karlesha Hewitt learned firsthand that this isn't always true.

In this episode, Karlesha shares how she paid off nearly $60,000 in debt in two years, the money habits she had to change, and why learning the language of money transformed her life.

We discuss financial literacy, debt payoff, budgeting, accountability, money mindset, and practical ways to build lasting financial confidence.

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Join Dr. Sev's Wealth Warriors Community for more financial discussions and insights (FREE to join): https://www.skool.com/wealth-warriors-community-1025/about

****************************************************

The Dr. Sev Talks Money podcast's mission is to empower women to approach money confidently, reframe their financial habits, and build a future where their money is a tool for opportunity and security.

Through Dr. Sev Talks Money YouTube channel and Podcast, I provide actionable advice and inspiration to help you achieve financial freedom. Join me for one-on-one coaching, group sessions, workshops, or speaking engagements as we journey to financial empowerment together. It’s never too late to begin again—let’s make it happen!

Here is one way you can support the Dr. Sev Talks Money podcast and YouTube channel:

https://www.buymeacoffee.com/DrSevTalksMoney

My website: www.sevtalksmoney.com

YouTube: https://www.youtube.com/c/DrSeverineBryan--SevTalksMoney

LinkedIn: https://www.linkedin.com/in/severinebryan/

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Karlesha's information

Karlesha V. Hewitt, Esq. founded WisdomChild Consulting in 2023 with a heart toward equipping people with the tools, resources, and wisdom needed for life changing empowerment and long-term financial stability.

Primarily through Financial Literacy Education, she helps people Get Wisdom That Cannot Be Taken!

Karlesha's perspective comes from learned and lived experience. After exposure to various perspectives on saving, budgeting, paying off debt, and wealth building as well as practical application, Karlesha paid off close to $60,000 in debt over a two year period (not including student loans).

Then she began leading and teaching others through dynamic, interactive, and interpersonal financial literacy workshop courses.

Connect with Karlesha:

🌐 wisdomchildconsulting.com

📅 June cohort: search "Money Talks Academy" or "Karlesha Hewitt" on Eventbrite

Work she supports: Girls on a Mission with Ambition https://girlsonamissionwa.org/

00:00 Can You Have a Great Credit Score and Still Struggle With Money?
01:53 Karlesha's $60,000 Debt Wake-Up Call
05:10 The Podcast That Changed Her Financial Life
07:00 Facing Your Financial Reality and Creating a Plan
08:45 Support the Show
09:10 Signs Someone Looks Wealthy but Isn't Financially Healthy
13:05 Financial Shame and Why It Keeps People Stuck
15:20 Staying Motivated When Budgeting Feels Overwhelming
19:10 Faith, Stewardship, and Financial Goals
21:45 Why Community Accountability Matters
25:00 Free Ways to Improve Your Financial Literacy
28:05 Teaching Money Across Different Life Experiences
31:10 Money Talks Academy and Financial Transformation
33:05 Information vs Transformation: Why Action Matters
34:00 Final Thoughts: Learn the Language of Money