Stop Saving for Emergencies and Start Saving for Peace of Mind | Ep. 209
In this episode of The New Money Habits Podcast, Coach Nino Villa explains why the words we use around money matter more than we think — especially when it comes to saving.
Many people are taught to build an “emergency fund,” but that language often creates stress, fear, and avoidance. Nino challenges that idea and introduces a more grounding alternative: the Peace of Mind Fund.
This conversation explores how language shapes belief, belief drives behavior, and how subtle shifts in wording can lead to calmer, more intentional financial decisions.
In this episode, you’ll learn:
🧠 Why the term “emergency fund” can increase anxiety
🕊️ How reframing savings as a Peace of Mind Fund changes behavior
⚡ How money scripts and past experiences influence how we save
📊 How much to save to get started (using the 25% guideline)
🔧 Practical ways to begin building your Peace of Mind Fund without stress
You’ll also hear why saving isn’t about sacrifice — it’s about building security — and how small, intentional steps can help you respond to life’s unexpected moments with calm instead of panic.
Learn more at NewMoneyHabits.com
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Helpful Resources Mentioned in This Episode
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Watch on YouTube: Full video version of this episode
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Payday Power Planner (FREE): Streamline your budgeting process
https://www.newmoneyhabits.com/budgeteers/helpful-tools -
Food Number Calculator (FREE): Simplify food budgeting and planning
https://www.newmoneyhabits.com/budgeteers/helpful-tools -
Submit Your Questions: Email us at [email protected]
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Join Our Free Facebook Group:
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Schedule a Free Call with Coach Nino:
https://www.newmoneyhabits.com/budgeteers/contact -
Online Course: How to Create a Better Budget: Your Foundation to Financial Freedom
https://www.newmoneyhabits.com/bootcamp
Music Credits
This episode features music by Summer School.
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