Money is one of those subjects we can be surprisingly uncomfortable talking about. We will openly discuss our careers, relationships, health, and ambitions, but what is actually in our bank account, what we owe, and what we are worried about financially can still feel deeply personal.

In this episode of Talk Digital To Me, Nikki Ramirez sits down with Spenser Liszt, a former professional musician turned Certified Financial Planner and founder of Motif Planning. Spenser shares the winding path that took him from a childhood shaped by his family’s bankruptcy, to a 14-year career as a professional musician, to walking away from music with just $67, and eventually building his own financial planning firm. Along the way, they talk about money as an emotional experience, lifestyle creep, financial confidence, changing identities, and why the success stories we see online are often missing the most important part: context.