Sev Talks Money

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Sev Talks Money She's a public speaker and host of the Dr. Sev Talks Money podcast. We also assist small businesses with their day to day financial processes.

Dr. Sev is an Accredited Financial Counselorยฎ helping busy women master their money so they can live life on their terms, no matter what stage of life they're in. For women and couples who need to rebuild their finances after divorce, job loss or other catastrophe Bryan Financial Empowerment LLC provides education, guidance, coaching, accountability, and empathy because every person deserves the peace that financial freedom brings. Bryan Financial Empowerment LLC dba Sev Talks Money is a Financial Education and Coaching business passionate about serving, educating, empowering, and counseling women and couples who want to improve their financial relationship with money and want to understand and learn their power over money by offering financial education/coaching on debt management, cash flow, credit, money mindset, and basic money management. Dr. Severine Bryan, our CEO and Founder, is an Accredited Financial Counselorยฎ(AFCยฎ) and a member of the Association for Financial Counseling and Planning Educationยฎ. She pursued the AFCยฎ certification so she can better serve her clients. She is passionate about financial stewardship. After going through a divorce, walking away from the home she owned for 13 years, and rebuilding her finances, (including paying off $39k in student loans in under 2.5 years) Dr. Bryan believes that anyone can learn to maximize their money. Her motto is โ€œanything is possible with a planโ€. The PROBLEM is that many people are dealing with issues of debt, credit, and managing their money. Bryan Financial Empowerment LLC provides SOLUTIONS by helping people learn to manage debt and credit, build savings, and maximize their money.

Before we judge someoneโ€™s financial choices, we need to look at what choices they have. Sometimes the problem isnโ€™t that...
10/03/2026

Before we judge someoneโ€™s financial choices, we need to look at what choices they have.

Sometimes the problem isnโ€™t that someone wonโ€™t pull themselves up by their bootstraps. The straps might be missing. Itโ€™s easy to look at someone and think, โ€œIf they would just do what I did, theyโ€™d be fine.โ€ Even if we overcame worse, that doesn't mean nothing is standing in their way.

Are we looking at their full circumstances? Their environment? Their support system? Their access to resources? The responsibilities theyโ€™re carrying?

Someone without a car in a small town may have very different opportunities than someone without a car in a large city. That doesnโ€™t mean they canโ€™t succeed. It means their path may require different choices, resources, and time.

This is especially important when weโ€™re talking about money. Our success and knowledge shouldn't make us think we know what drives someone else's decisions. Before we tell someone emphatically what they โ€œshouldโ€ be doing, maybe we should first investigate what they are working with.

What say you?

The student loan 1% rate reduction deadline has been extended. Yesterday was supposed to be the last day to sign up. The...
10/01/2026

The student loan 1% rate reduction deadline has been extended.

Yesterday was supposed to be the last day to sign up. The Department of Education pushed the deadline to December 31, 2026.

If you have qualified Direct Loans, enrolling in autopay takes 1 percentage point off your interest rate through June 30, 2028. Sign up through your servicer (Nelnet, MOHELA, etc.). Already on autopay? You get it automatically.

While you're logged in, check studentaid.gov to see which repayment plans you qualify for. Your options depend on when your loans were made.

Lastly, if you were on the SAVE plan, find your personal 90-day deadline in your servicer portal and choose a new plan. 90-day deadlines vary.

Two repayment plans, available now, PAYE and ICR, end July 1, 2028. If you choose one of them, you'll need to switch again before then. If you don't choose a plan, you'll be placed in a Standard-type plan that isn't based on your income, which could raise your payment significantly.

My suggestion: Don't let the system decide this for you.

Have questions? Ask below or send me a DM. If I don't know the answer, I will find it for you.

These are coming faster than I can keep up. And this is just today. Lock up your accounts and other information as much ...
10/01/2026

These are coming faster than I can keep up. And this is just today. Lock up your accounts and other information as much as you can.

The holidays are coming and scammers are ramping up.

Some of the most powerful financial journeys don't come from experts, but from everyday women who had no choice but to f...
08/08/2026

Some of the most powerful financial journeys don't come from experts, but from everyday women who had no choice but to figure it out. These guests don't have fancy titles or credentials, but their stories are the kind that remind you it is never too late to start over.

1๏ธโƒฃDamita Ware founder of Servants Who Care, U.S. Air Force veteran, and nurse has rebuilt her life and her finances more times than most people would believe possible. In this conversation, she opens up about surviving on one income as a single mom after losing her ex-husband at 39, returning to nursing school near 50 with no job and a $15K 401(k) loan, and walking away from full-time employment at 60 to start her own business with nothing but savings, investments, and faith.

She is doing much needed work for veterans and returning citizens. Check out her work and donate here: https://servantswhocare.com/

2๏ธโƒฃTanya Washington started over after divorce at 60, after 32 years of marriage, after losing her identity, after everything she thought was permanent suddenly wasn't. She shares how she went from a 498 credit score to a 742, earned two associate degrees later in life, and found herself again after decades of being a wife, mother of nine, and first lady of a church.

If you have ever felt like you missed your window, these two will change your mind.

Listen on YouTube, Spotify, Apple Podcasts, and more: https://www.sevtalksmoney.com/podcast/

I have to share something with you all. ๐Ÿ’œAfter hours of practicing my five-minute pitch, I found myself standing backsta...
07/15/2026

I have to share something with you all. ๐Ÿ’œ

After hours of practicing my five-minute pitch, I found myself standing backstage, completely blank. I was the last person to pitch and I couldn't even remember my opening statement. Yikes!

Then they called my name. And once I started talking, the nerves disappeared.

Yesterday I walked away with second place in the BBB Breakthrough Accelerator Pitch Competition. ๐ŸŽ‰

The biggest win wasn't the placement. It was proving to myself that I could stand on that stage, share my vision, and trust that what I knew was enough.

Preparation matters. But perfection doesn't.

Second place was encouraging. But this isn't the finish line. It's another step toward the impact I want to make for the women and organizations I serve.

My first pitch competition has given me a taste to want to do this again.

Let's go! ๐Ÿ’œ

Thank you BBB Greater Atlanta for the opportunity and Henry County Chamber of Commerce for the nomination to the program.

5,000 plays and downloads. 89 episodes.I won't pretend this came about through consistency, especially the last season. ...
07/01/2026

5,000 plays and downloads. 89 episodes.

I won't pretend this came about through consistency, especially the last season. Life happens. Family emergencies, personal emergencies, seasons where showing up to record felt impossible, like I hit a brick wall.

Every episode, every conversation about rebuilding credit, paying off debt, navigating money after divorce, those didn't disappear while life was lifing. They kept doing their work.

If you're in a season where you've had to pause something you built, please know that pausing is not the same as abandoning. The foundation you laid is still holding weight, doing its job.

5,000 downloads later, I'm reminded that ๐—ฐ๐—ผ๐—ป๐˜€๐—ถ๐˜€๐˜๐—ฒ๐—ป๐—ฐ๐˜† ๐—ฑ๐—ผ๐—ฒ๐˜€๐—ป'๐˜ ๐—ฎ๐—น๐˜„๐—ฎ๐˜†๐˜€ ๐—บ๐—ฒ๐—ฎ๐—ป ๐—ฐ๐—ผ๐—ป๐˜€๐˜๐—ฎ๐—ป๐˜. Sometimes it just means coming back.

Grateful for everyone who's listened and stuck around. This is just the beginning.

Spotify: https://creators.spotify.com/pod/profile/drsevtalksmoney/
Apple Podcasts: https://podcasts.apple.com/us/podcast/dr-sev-talks-money/id1537925892

A good credit score and paid bills had her convinced she was managing money well. She was not. She had nearly $60,000 in...
06/07/2026

A good credit score and paid bills had her convinced she was managing money well. She was not. She had nearly $60,000 in debt and, like so many of us, was never actually taught the language of money.

In the latest episode of Dr. Sev Talks Money, I sat down with Karlesha V. Hewitt, Esq. for a conversation that goes beyond the numbers.

We talked about what it really takes to face your financial reality, why shame keeps so many people stuck, the power of community accountability, and how financial struggle is almost never about ability; it is almost always about access to the right information.

Choose your favorite podcast platform here: https://www.sevtalksmoney.com/podcast/
Or watch on YouTube here: https://youtu.be/rAfeUww2VCo

This week's (5/26/2026) podcast episode featured legacy strategist Albert Butler CPA, MBA.Albert shared why internal who...
05/28/2026

This week's (5/26/2026) podcast episode featured legacy strategist Albert Butler CPA, MBA.

Albert shared why internal wholeness has to come before any financial strategy, how to shift from chasing money to chasing purpose, and what Legacy Over Ledgers looks like in real life, especially for someone navigating a major life transition like divorce or retirement.

We also discussed practical insights on budgeting, personal cash flow, scaling ourself before scaling a business, and building a financial legacy that goes beyond wealth accumulation. The message on scaling ourselves before scaling anything else made me pause and think about my journey. Because how do we scale everything without checking our capacity to manage the increase?

Choose your favorite podcast platform here: https://www.sevtalksmoney.com/podcast/

Or watch on YouTube here: https://youtu.be/6affa8GmaDg

This Tuesday's podcast episode with Kira Hartley Klinger (Fabric Wars) was filled with simple reminders that you don't n...
05/20/2026

This Tuesday's podcast episode with Kira Hartley Klinger (Fabric Wars) was filled with simple reminders that you don't need a big budget to build something real. Just creativity, consistency, and the willingness to start where you are.

Kira consistently used free marketing strategies, social media, packaging inserts, niche communities, and storytelling, to turn one income stream into multiple opportunities including book sales, speaking engagements, and increased shop traffic. The tools were always there; she just used them differently than everyone else.

One tip that stuck with me: every touchpoint is a marketing moment. Kira landed a TV producer from a thank-you note tucked inside a customer's package.

Whether it's a package insert, an email signature, or a social media bio, every place you show up is an opportunity to introduce someone to what else you offer. Your next big opportunity may come from your most ordinary interaction.

No matter where you are in your journey, this is an episode worth listening to.

Watch on YouTube here: https://youtu.be/i4KxlHuoHbg

Or your favorite podcast platform here: https://www.sevtalksmoney.com/podcast/

I believe everyone deserves financial transformation. I also believe that I don't have to be the one providing it for fr...
05/17/2026

I believe everyone deserves financial transformation. I also believe that I don't have to be the one providing it for free.

For a long time, those two things felt like they were in conflict. Like charging for my expertise meant I was gatekeeping the very thing I wanted everyone to have access to.

But experience has taught me that guilt is not a business model. In fact, undercharging serves my discomfort with being seen as valuable. Ouch.

The most powerful thing I can do for the people I want to help is to build a sustainable practice that's here tomorrow.

We can be mission-driven AND charge our worth. Who knew? Those aren't opposites. That's just good stewardship.

If you're a financial professional or a service provider, I'd love your take. Let's talk about it.

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Atlanta, GA

Opening Hours

Monday 6:30pm - 9pm
Tuesday 7pm - 9pm
Thursday 6:30pm - 9pm
Friday 6:30pm - 9pm
Saturday 12pm - 6pm

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+16788712499

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