Financial Advisor Shares 5 Steps to Money Success

Emily Oldham of Edward Jones discusses credit card debt, investing fears, and unique challenges for women in personal finance

Published on Feb. 26, 2026

Got story updates? Submit your updates here. ›

In a candid interview on the Mornings with Missy podcast, financial advisor Emily Oldham of Edward Jones in Okmulgee, Oklahoma shared practical advice for achieving financial success. From understanding credit card debt and creating a budget to overcoming investing fears and addressing the unique financial challenges women face, Oldham provided a roadmap for building a secure financial future.

Why it matters

Many people avoid discussing personal finances due to fear, embarrassment, or uncertainty, but Oldham emphasizes that having a clear financial plan can transform not just one's finances, but overall peace of mind. Her insights are particularly valuable for young adults, entrepreneurs, and women who face distinct obstacles in achieving financial security.

The details

Oldham begins by addressing the alarming statistic that the average credit card debt for Americans under 35 is around $6,500. She explains how high-interest debt can quietly erode financial progress and prevent people from saving for major goals. To start, Oldham recommends assessing your current financial situation - income, spending, budgeting, retirement contributions - before creating a roadmap to reach your desired destination, whether that's paying off debt, saving for a home, or building a business. She also emphasizes the importance of working with a fiduciary advisor who is legally obligated to act in the client's best interest.

  • Mornings with Missy episode aired on February 26, 2026.

The players

Emily Oldham

A financial advisor at Edward Jones in Okmulgee, Oklahoma who specializes in helping clients achieve their financial goals.

Missy Nash

The host of the Mornings with Missy podcast where the interview with Emily Oldham took place.

Got photos? Submit your photos here. ›

What they’re saying

“For someone on a fixed income, $6,500 is a lot—especially when interest keeps compounding.”

— Emily Oldham, Financial Advisor (thehenryettan.com)

“If you don't know what you're doing with your money each month, or you feel uneasy about retirement—even if you've been saving—call someone. Don't stay in a fog.”

— Emily Oldham, Financial Advisor (thehenryettan.com)

“For every dollar a man saves, women may need to save $1.10 or $1.20.”

— Emily Oldham, Financial Advisor (thehenryettan.com)

What’s next

Viewers with specific financial questions were invited to drop comments or send direct messages for future episodes of Mornings with Missy.

The takeaway

Avoiding money conversations doesn't make financial problems disappear. Having a trusted financial advisor to create a clear plan can relieve anxiety and empower people to achieve their goals, whether that's paying off debt, saving for retirement, or building a business.