Explorez tous les épisodes du podcast It's Not About The Money

In this episode, I explore the intricate relationship between love and money, emphasizing how our capacity to receive and give is deeply intertwined with our self-worth and emotional safety. I discuss the patterns that emerge from our early experiences and conditioning, highlighting the importance of awareness and new positive experiences in healing our relationship with money. The conversation delves into generational trauma and the impact of our upbringing on our financial behaviors, offering practical steps to begin the healing process.

  Chapters

00:00 - Why love and money mirror each other more than you think
01:57 - How childhood conditioning shapes your capacity to hold wealth
03:21 - Family patterns, early trauma, and the nervous system's relationship with safety
08:22 - The three ways love and money show up the same: receiving, giving, and letting go
13:24 - Intergenerational patterns, attachment, and inherited unworthiness
22:41 - Practical ways to expand your financial and emotional comfort zone
35:09 - Healing your relationship with money by nurturing your self-worth

Resources:

Read It Didn't Start With You by Mark Wolynn

Take the Money Story Types Quiz 

Join the Money Circle 

Discover this previous episode revealing why you can't hold onto money and how it's linked to love

I am joined by Kate Moryoussef, as we explore the intricate relationship between ADHD, hormonal changes, and women's health. We discuss personal experiences with late ADHD diagnoses, the impact of perimenopause, and the significance of understanding rejection-sensitive dysphoria (RSD). The conversation also highlights the benefits of Emotional Freedom Technique (EFT) as a tool for emotional regulation and self-acceptance, particularly for neurodivergent women navigating these challenges.

In this conversation, Kate and I explore the transformative power of Emotional Freedom Techniques (EFT) in managing overwhelm, guilt, and shame, particularly for women navigating ADHD and hormonal changes. We provide practical demonstrations of EFT, discuss the importance of self-compassion, and highlight the significance of understanding women's health issues.

Kate shares insights from her book, the ADHD Women's Wellbeing Toolkit, emphasising the need for accessible resources and self-empowerment. The conversation concludes with a focus on sustainable growth and the importance of rest in both personal and professional lives.

Chapters

00:00 Understanding ADHD and Hormonal Influences

10:10 The Impact of Diagnosis on Personal Growth

20:02 Navigating Perimenopause and ADHD

30:01 Rejection Sensitive Dysphoria (RSD) Explained

39:53 Emotional Freedom Technique (EFT) and Its Benefits

26:05 Demonstrating EFT for Overwhelm

30:30 Understanding Guilt and Shame in EFT

34:14 Navigating Women's Health and Hormones

35:55 The ADHD Women's Wellbeing Toolkit

39:25 The Journey of Writing a Book with ADHD

40:36 Sustainable Growth and Rest in Business

Resources:

Get my FREE book 'It's Not About The Money'

Take the Money StoryTypes® Quiz

Sign up to my FREE Newsletter

Become a Certified Financial Coach

Reveal and Heal The Inherited Money Patterns Keeping You Stuck with the 5 Hidden Money Beliefs Framework Guide

Enroll for Wealth Resonance

Discover the Body of Wealth

Check out the 5 Hidden Money Beliefs

If today's conversation stirred something in you, Kate's self-paced workshop library might be a great next step. There's a wide range of topics covered - from emotional wellbeing and nervous system regulation to identity and everyday ADHD life- all created with late-diagnosed women in mind.

You can dip in at your own pace, without any pressure to do it all at once.

Browse the full library here: https://www.adhdwomenswellbeing.co.uk/workshops

 

In this conversation, I explore the concept of money set points and how our nervous system influences our relationship with wealth. I discuss the biological responses to financial success and introduce three somatic techniques to help expand our capacity for wealth. These techniques focus on creating a sense of safety in the body, allowing individuals to navigate their financial journeys with greater ease and confidence.

Chapters

00:00 Understanding Money Set Points

02:57 The Nervous System and Money

05:50 Somatic Techniques for Financial Safety

08:40 Safety Anchoring Technique

12:00 Capacity Expansion Technique

17:01 The Expanded Heart Technique

23:49 Recap and Conclusion

Resources:

Get my FREE book 'It's Not About The Money'

Take the Money StoryTypes® Quiz

Sign up to my FREE Newsletter

Become a Certified Financial Coach

Reveal and Heal The Inherited Money Patterns Keeping You Stuck with the 5 Hidden Money Beliefs Framework Guide

Join the waitlist for Wealth Resonance

Discover the Body of Wealth

Learn more about The Great Release

Check out the 5 Hidden Money Beliefs

 

In this episode, I explore the complex dynamics of money arguments in relationships, emphasising that these conflicts often stem from deeper emotional and nervous system responses rather than the financial issues themselves. I introduce the concept of Money Story Types, which are shaped by early life experiences, and discuss how understanding these types can help couples navigate their financial conversations more effectively. The episode provides practical strategies for reframing discussions about money to foster collaboration and acceptance between partners.

Chapters

00:00 Understanding Money Arguments

02:48 The Role of Nervous System in Money Conversations

06:04 Identifying Money Story Types

08:58 Conflict Between Money Story Types

12:03 Strategies for Harmonious Money Conversations

14:59 The Importance of Acceptance in Money Dynamics

17:58 Practical Reframes for Money Discussions21:08 Conclusion and Next Steps

Resources:

Get my FREE book 'It's Not About The Money'

Take the Money StoryTypes® Quiz

Sign up to my FREE Newsletter

Become a Certified Financial Coach

Reveal and Heal The Inherited Money Patterns Keeping You Stuck with the 5 Hidden Money Beliefs Framework Guide

Join the waitlist for Wealth Resonance

Discover the Body of Wealth

Learn more about The Great Release

 

In this episode, I explore the emotional and somatic aspects of money mindset, emphasising acceptance over resistance. I discuss research on affirmations, the importance of emotional scale, and practical techniques like embodied heart breathing to transform your relationship with money.

Chapters

00:00 The Power of Positive Thinking About Money

02:58 Understanding Emotional Responses to Money

07:23 The Importance of Acceptance in Financial Well-being

12:53 Embodied Heart Breathing Practice for Money Emotions19:20 The Great Release: A Path to Financial Freedom

Resources:

Get my FREE book 'It's Not About The Money'

Take the Money StoryTypes® Quiz

Sign up to my FREE Newsletter

Become a Certified Financial Coach

Reveal and Heal The Inherited Money Patterns Keeping You Stuck with the 5 Hidden Money Beliefs Framework Guide

Join the waitlist for Wealth Resonance

Discover the Body of Wealth

Learn more about The Great Release

n this episode I am joined by Theresa Lear Levine - EFT Master Practitioner, Hypnotherapist, and bestselling author of "Becoming More Me, to explore the transformative power of somatic practices like EFT, hypnotherapy, and binaural beats in shifting beliefs, managing stress, and embodying new identities.

Theresa shares her personal journey, techniques, and practical tips for harnessing these tools to create lasting change.

Chapters

00:00 Introduction to EFT and Personal Journeys

00:12 The Impact of Trauma on Success

03:09 Awakening to Change and Self-Discovery

06:05 The Power of EFT Tapping

09:07 EFT in Practice: Personal Experiences

12:12 Understanding the Science Behind EFT

15:13 Demonstrating EFT Tapping Techniques

21:20 The Impact of Affirmations on Beliefs

27:13 Transitioning to a New Reality

35:05 The Power of Binaural Beats

40:40 The Importance of Breath Awareness

Resources:

Get my FREE book 'It's Not About The Money'

Take the Money StoryTypes® Quiz

Sign up to my FREE Newsletter

Become a Certified Financial Coach

Reveal and Heal The Inherited Money Patterns Keeping You Stuck with the 5 Hidden Money Beliefs Framework Guide

Join the waitlist for Wealth Resonance

Discover the Body of Wealth

Watch the first episode of the Body of Wealth series

Watch the Second episode of the Body of Wealth Series

Find out more about Theresa

Learn more about Becoming More Me (Please note we are an affiliate for this product which means we may earn an affiliate commission for any purchases) 

 

In this episode I explore the four major emotions - grief, fear, shame, and resentment - that influence money decisions. I discuss how these emotions are stored in the body, their impact on financial behavior, and practical tools like emotional freedom technique (EFT) to release them.

 

Chapters

00:00 The Emotional Body and Money

01:03 Understanding Somatic Patterns in Money

01:37 Why Logical Advice Isn't Enough

02:31 Research on Emotional Mapping in the Body

05:56 Financial Grief and Its Impact

12:13 Fear as a Major Money Emotion

14:32 Shame and Its Silent Power

18:42 Resentment and Systemic Money Beliefs

22:31 Tools for Emotional Release and Change

Resources:

Get my FREE book 'It's Not About The Money'

Take the Money StoryTypes® Quiz

Sign up to my FREE Newsletter

Become a Certified Financial Coach

Reveal and Heal The Inherited Money Patterns Keeping You Stuck with the 5 Hidden Money Beliefs Framework Guide

Join the waitlist for Wealth Resonance

Discover the Body of Wealth

Watch the first episode of the Body of Wealth series

 

I explore the somatic and emotional aspects of our relationship with money, revealing how body patterns rooted in past experiences influence our financial behaviors and feelings of security. Over this series, I offer practical tools like emotional freedom technique and heart breathing to help shift these deep-seated patterns.

Chapters

00:00 Understanding Financial Patterns and Emotions

10:46 The Role of Somatics in Financial Well-being

18:51 Exploring Possibilities for Healing Financial Relationships

Resources:

Get my FREE book 'It's Not About The Money'

Take the Money StoryTypes® Quiz

Sign up to my FREE Newsletter

Become a Certified Financial Coach

Reveal and Heal The Inherited Money Patterns Keeping You Stuck with the 5 Hidden Money Beliefs Framework Guide

Join the waitlist for Wealth Resonance

Discover the Body of Wealth

 

In this conversation I discuss the transformative impact of AI on the financial services industry, emphasising the importance of human skills and emotional intelligence in financial advice. I explore how AI can handle technical aspects of financial planning but cannot replicate the deep human connection and understanding required to navigate clients' emotional relationships with money.

I introduce the concept of 'money story types' and highlight the growing need for financial coaching as a means to address the emotional side of money management. I conclude by asserting that the future of financial advice will rely on professionals who can integrate AI's capabilities with their own human insights to better serve clients.

 

Chapters

00:00 The Rise of AI in Financial Services

02:48 Understanding Human Skills in Financial Advice

06:12 The Emotional Side of Money

09:07 Money Story Types and Their Impact

12:08 Integrating AI with Human Insight

14:54 The Future of Financial Advice

17:51 The Importance of Emotional Intelligence

20:56 Exploring Financial Coaching Opportunities

Resources:

Get my FREE book 'It's Not About The Money'

Take the Money StoryTypes® Quiz

Sign up to my FREE Newsletter

Become a Certified Financial Coach

Reveal and Heal The Inherited Money Patterns Keeping You Stuck with the 5 Hidden Money Beliefs Framework Guide

Watch episode: Should You Become a Financial Coach

Watch episode: Why Clients Self-Sabotage With Money

Watch episode: What Financial Coaching Actually Looks Like

 

In this conversation, I discuss my journey from being a qualified financial advisor in debt to understanding the deeper emotional patterns behind financial behaviors. I introduce the Money Narratives Clearing Framework, emphasising the importance of awareness, recognising benefits and costs, and exploring secondary gains in financial decision-making.

The discussion highlights how shame and acceptance play crucial roles in transforming financial patterns and the impact of loss aversion on choices. I encourage approaching financial coaching with compassion and understanding, aiming for lasting change rather than quick fixes.

Chapters

00:00 Understanding Financial Patterns and Personal Debt

02:46 The Money Narratives Clearing Framework

05:22 The Importance of Awareness in Financial Coaching

08:29 Recognizing Benefits and Costs of Financial Patterns

10:58 Exploring Secondary Gains in Financial Behavior

13:34 The Role of Shame and Acceptance in Financial Change

16:17 Identifying Hidden Trade-offs in Financial Decisions

18:47 The Impact of Loss Aversion on Financial Choices21:16 Transforming Patterns Through Compassion and Understanding

Resources:

Get my FREE book 'It's Not About The Money'

Take the Money StoryTypes® Quiz

Sign up to my FREE Newsletter

Become a Certified Financial Coach

Reveal and Heal The Inherited Money Patterns Keeping You Stuck with the 5 Hidden Money Beliefs Framework Guide

Watch episode: Should You Become a Financial Coach

Watch episode: Why Clients Self-Sabotage With Money

In this episode I explores the profound relationship individuals have with money, emphasizing the importance of financial coaching in addressing deeper emotional and psychological issues surrounding financial behaviors.

I discuss the need for financial professionals to integrate coaching techniques into their practices to better support clients in navigating their financial identities and challenges.

Through personal anecdotes and practical advice, I highlight the transformative power of understanding one's relationship with money and the necessity of addressing underlying beliefs to foster lasting change.

  Chapters

00:00 Understanding the Relationship with Money

02:48 The Need for Financial Coaching

05:29 The Impact of Identity on Financial Decisions

08:30 The Role of Financial Coaching in Transformation

11:18 Techniques in Financial Coaching

14:09 Language Patterns in Money Conversations

17:02 Integrating Financial Coaching into Existing Practices

19:35 The Future of Financial Coaching22:22 Personal Journey and Call to Action

Resources:

Get my FREE book 'It's Not About The Money'

Take the Money StoryTypes® Quiz

Sign up to my FREE Newsletter

Become a Certified Financial Coach

Reveal and Heal The Inherited Money Patterns Keeping You Stuck with the 5 Hidden Money Beliefs Framework Guide

Watch the Full AI Series Here

In this conversation, I explore the psychological barriers that clients face in making financial decisions, emphasizing the role of emotions and limiting beliefs. Through real-life examples, I illustrate how these factors lead to self-sabotage and offer a framework for financial advisors to help clients recognize and overcome these patterns.

This discussion highlights the importance of understanding the emotional underpinnings of financial behavior and provides practical tools for fostering healthier relationships with money.

Chapters

00:00 Understanding Client Fear and Self-Sabotage

11:12 Transformative Coaching: A Case Study

13:26 The Money Narratives Clearing Method

18:36 Recognizing Patterns and Limiting Beliefs

Resources:

Get my FREE book 'It's Not About The Money'

Take the Money StoryTypes® Quiz

Sign up to my FREE Newsletter

Become a Certified Financial Coach

Reveal and Heal The Inherited Money Patterns Keeping You Stuck with the 5 Hidden Money Beliefs Framework Guide

his conversation, Jazze Jervis and I explore the significant shifts occurring in the economy and society, driven by planetary changes.

We discuss how these shifts impact our understanding of money, power, and personal value, emphasizing the importance of humaneness, visibility, and nervous system regulation in navigating these changes.

Our conversation encourages you to embrace curiosity and authenticity as you adapt to the evolving landscape of business and personal growth.

Chapters

00:00 Entering the New Economy

01:56 Planetary Shifts and Their Impact

06:59 Navigating Changes in Business and Life

15:56 The Importance of Humaneness in Business

24:51 Visibility and Authenticity in the New Era

32:12 Nervous System Regulation and Decision Making

42:34 Curiosity and Action in 2026

Resources:

Watch the 20 Minute Loom Real Time Video on How I built my own personalised AI Money Coach 

Join AI Dream Team to learn how to build your own AI dream team

Join my Monthly Money Visionary Newsletter for monthly AI Prompts

Follow Jazze on Instagram

Check out the Energy Guide here

Get my FREE book 'It's Not About The Money'

Take the Money StoryTypes® Quiz

Sign up to my FREE Newsletter

Become a Certified Financial Coach

Reveal and Heal The Inherited Money Patterns Keeping You Stuck with the 5 Hidden Money Beliefs Framework Guide

Disclaimer: Educational only, not financial advice. Do your own research and seek regulated advice where appropriate. This podcast contains affiliate links. If you make a purchase through these links, I may earn a small commission at no additional cost to you. I only recommend what I truly believe in.

 

ught: will people still want to hear from me when AI can give them information instantly? I felt panic - who am I if I'm not a content creator? If you've been feeling that uncertainty too, this episode will completely reframe everything, because it's not really about AI at all. Maybe you're worried AI will replace you or your clients won't need you anymore.

Here's what I want to explore - what if this is about something we've been avoiding our entire lives: uncertainty. We spend so much time creating certainty in our careers, finances, and identities, then AI reminds us none of this was ever certain to begin with.

Today, I'm diving into why uncertainty equals danger in our nervous systems, how every moment of expansion came through uncertainty, and the three Rs to navigate this threshold - release your performance-based identity, reconnect to your inherent worth, and reclaim your irreplaceable humanity, because AI isn't stealing your identity, it's revealing how you relate to uncertainty itself.

Chapters

00:00 Navigating Identity in the Age of AI

08:07 Embracing Uncertainty for Growth

17:43 Practices for Managing Uncertainty

24:37 Reclaiming Your Humanity in an AI World

30:27 Building a Relationship with AI

Resources:

Learn more about the 3 Prompts Framework Here - AI Dream Team Playbook 

Watch the 20 Minute Loom Real Time Video on How I built my own personalised AI Money Coach 

Join AI Dream Team to learn how to build your own AI dream team

Join my Monthly Money Visionary Newsletter for monthly AI Prompts

Listen to me interview Natalie about AI and the future of money here

This post contains affiliate links. If you make a purchase through these links, I may earn a small commission at no additional cost to you. I only recommend what I truly believe in and have completed myself.

Get my FREE book 'It's Not About The Money'

Take the Money StoryTypes® Quiz

Sign up to my FREE Newsletter

Become a Certified Financial Coach

Reveal and Heal The Inherited Money Patterns Keeping You Stuck with the 5 Hidden Money Beliefs Framework Guide

The way you've been relating to money is about to fundamentally shift, not because of what AI can do, but because of what it's forcing you to feel. Maybe you're overwhelmed by AI, worried about being replaced, or anxious about putting financial information into something that might not be secure. Here's what I've discovered - that fear isn't really about AI at all.

When I first started using AI around money, my entire body felt incredible fear: would people still need me? But all those AI fears - will it replace me, am I techie enough, which tool should I choose - they're the exact same money fears that have been showing up for years, just in a new disguise.

Today, I'm exploring why AI is holding up a mirror to our three core beliefs about productivity, worth, and scarcity, how to use AI safely without exposing personal information, and why the real question isn't "will AI replace me" but rather "what becomes possible when I stop replacing my humanity with productivity."

Chapters

00:00 The Emotional Impact of AI on Money Management

03:31 Practical Tips for Using AI Safely

08:29 Understanding the Root of AI Anxiety

10:19 Core Beliefs About Worth and Productivity

17:54 Identifying Emotions Linked to Money Beliefs

21:38 Reframing AI as a Tool for Transformation

29:19 Navigating AI Without Losing Humanity

Resources:

Learn more about the 3 Prompts Framework Here - AI Dream Team Playbook 

Watch the 20 Minute Loom Real Time Video on How I built my own personalised AI Money Coach 

Join AI Dream Team to learn how to build your own AI dream team

Join my Monthly Money Visionary Newsletter for monthly AI Prompts

Listen to me interview Natalie about AI and the future of money here

This post contains affiliate links. If you make a purchase through these links, I may earn a small commission at no additional cost to you. I only recommend what I truly believe in and have completed myself.

Get my FREE book 'It's Not About The Money'

Take the Money StoryTypes® Quiz

Sign up to my FREE Newsletter

Become a Certified Financial Coach

Reveal and Heal The Inherited Money Patterns Keeping You Stuck with the 5 Hidden Money Beli

 

As a former financial adviser, I love to geek out on money apps and AI, and I've tested dozens of tools over the last year with five standing out as absolute game-changers.

Today, I'm sharing the five AI tools that will help you make better financial decisions: Claude for spotting spending patterns and acting as your behavioural money therapist, ChatGPT for quick financial scenario planning, Perplexity for fact-checking and researching financial products, Notebook LM which turns boring pension statements into engaging podcasts you can listen to on dog walks, and Snoop which monitors your bills to catch overcharges (it found me two forgotten Amazon Prime subscriptions!).

I'm diving into exactly how to use each tool ethically, the specific prompts that get the best results, and why these tools aren't about replacing human advice but about removing the overwhelm that keeps you avoiding your finances - because sometimes the right tool can put £95 back in your pocket in just five minutes.

Chapters

00:00 Introduction to AI in Money Management

00:31 Exploring Claude: Your Financial Therapist

10:42 Using ChatGPT for Financial Conversations

19:19 Researching with Perplexity

23:55 Audio Learning with Notebook LMM

28:19 Managing Money with Snoop

32:10 Conclusion: Choosing Your AI Tool

Resources:

Check out Snoop

Join me and my mentor online to build your first AI Dream Team Member LIVE

Learn more about the 3 Prompts Framework Here - AI Dream Team Playbook 

Watch the 20 Minute Loom Real Time Video on How I built my own personalised AI Money Coach 

Join AI Dream Team to learn how to build your own AI dream team

Join my Monthly Money Visionary Newsletter for monthly AI Prompts

Listen to me interview Natalie about AI and the future of money here

This post contains affiliate links. If you make a purchase through these links, I may earn a small commission at no additional cost to you. I only recommend what I truly believe in and have completed myself.

Get my FREE book 'It's Not About The Money'

Take the Money StoryTypes® Quiz

Sign up to my FREE Newsletter

Become a Certified Financial Coach

Reveal and Heal The Inherited Money Patterns Keeping You Stuck with the 5 Hidden Money Beliefs Framework Guide

As a former financial adviser who's worked with hundreds of people around money, one of the biggest barriers to good financial management isn't the lack of knowledge - it's that gap between knowing what you should do and actually doing it. This gap is created by overwhelm, decision paralysis, fear that money will run out, or shame from comparing yourself to others. This is where AI, when used properly, can remove that friction in ways I've never seen before.

Today, I'm sharing my personal framework for building an AI money coach - not just using ChatGPT for random questions, but creating a personalised tool that actually improves your financial decisions. I'm diving into the three essential elements (context, cues, and clarity), what AI can and cannot do with money, how to build safeguards so you're using it effectively not dangerously, and the exact prompts I use - because the future of personal finance isn't about replacing humans with AI, it's about using AI to bridge the gap between knowing and doing.

Chapters

00:00 Bridging the Knowledge-Implementation Gap in Finance

02:48 The Role of AI in Financial Management

06:08 Building Your AI Money Coach: The Framework

08:55 Context: Understanding Your Financial Situation

12:09 Cues: Decision-Making Frameworks for AI

18:01 Clarity: Setting Boundaries for AI Interaction

29:56 Practical Steps to Create Your AI Money Coach35:46 The Future of AI in Personal Finance

Resources:

Join me and my mentor online to build your first AI Dream Team Member LIVE

Learn more about the 3 Prompts Framework Here - AI Dream Team Playbook 

Watch the 20 Minute Loom Real Time Video on How I built my own personalised AI Money Coach 

Join AI Dream Team to learn how to build your own AI dream team

Join my Monthly Money Visionary Newsletter for monthly AI Prompts

Listen to me interview Natalie about AI and the future of money here

This post contains affiliate links. If you make a purchase through these links, I may earn a small commission at no additional cost to you. I only recommend what I truly believe in and have completed myself.

Get my FREE book 'It's Not About The Money'

Take the Money StoryTypes® Quiz

Sign up to my FREE Newsletter

Become a Certified Financial Coach

Reveal and Heal The Inherited Money Patterns Keeping You Stuck with the 5 Hidden Money Beliefs Framework Guide

 

Have you ever noticed that no matter how hard you work or how skilled you become, you seem to hit the same income ceiling over and over again?

There's a fascinating concept in financial psychology called your financial set point - an unconscious income limit that most of us cap at roughly the same level our parents earned when we were growing up. When you try to exceed this invisible ceiling, your brain literally hits the emergency brake, triggering self-sabotage, guilt, or an overwhelming sense that you don't deserve more. I experienced this myself when my mum saw my bank statement showing over £50,000 in one month and I immediately downplayed it, feeling this deep shame about earning more easily than she ever did.

Today, I'm unpacking why your childhood money environment is a stronger predictor of your financial success than your education or business skills, how unconscious loyalty patterns keep you stuck at your parents' income level, and the four essential steps to gradually expand your nervous system's capacity to hold more wealth - because breaking these patterns isn't just about you, it's about resetting the entire financial landscape for the next generation.

Chapters

00:00 Understanding Financial Set Points

07:08 The Impact of Childhood on Financial Success

12:52 Identifying Signs of Financial Self-Sabotage

17:39 Breaking the Cycle of Financial Limitation24:48 Tools for Regulating Financial Anxiety

Resources:

Get my FREE book 'It's Not About The Money'

Take the Money StoryTypes® Quiz

Sign up to my FREE Newsletter

Become a Certified Financial Coach

Reveal and Heal The Inherited Money Patterns Keeping You Stuck with the 5 Hidden Money Beliefs Framework Guide

Check out The Body Of Wealth

Listen to The Psychology of Wealth: How to Start Thinking Rich and How to Change Your Beliefs About Money with Dr. Brad Klontz 

What if the financial freedom you've been told is the one thing you should be focusing on - the independent, the self-sufficient, the doing it all for yourself - is actually the very thing that's been keeping you from the enriched abundant life you're perhaps seeking?

On today's show, I want to talk about financial freedom, and it's so interesting that every single book in the personal finance space, including my own book "It's Not About the Money," refers to this topic as a very individual pursuit.

I'm exploring why everything we've been taught about financial independence might actually be the very thing stopping us from creating a better life for ourselves and for others around us. 

Chapters

00:00 Rethinking Financial Freedom

02:35 The Balance of Masculine and Feminine in Money

05:42 Challenging Traditional Financial Paradigms

08:03 The Shift from Independence to Interdependence

10:47 Embracing Community and Collective Wealth

13:12 The Future of Financial Relationships

15:50 The Power of Asking for Help

18:24 Interdependence as a New Paradigm

21:15 Exploring New Financial Models

23:41 Invitation to Collective Action

Resources:

Get my FREE book 'It's Not About The Money'

Take the Money StoryTypes® Quiz

Sign up to my FREE Newsletter

Become a Certified Financial Coach

Reveal and Heal The Inherited Money Patterns Keeping You Stuck with the 5 Hidden Money Beliefs Framework Guide

Check out The Body Of Wealth

 

Today, I'm sharing a practice that has supported me so much I can't even begin to tell you - one that allows for more flow, more ease, and some wiggle room for change.

Traditional goal setting attaches your worthiness to a specific outcome, which means your whole body and nervous system code the entire process as a task you're measured against. If you fear failure, setting a goal activates fear instantly and your body goes into contraction.

If you fear success - what happens if I actually achieve this? - you unconsciously self-sabotage. Instead, I'm sharing my four-step money visioning ritual that honours the season you're in, brings all parts of yourself along for the journey, and creates a future so exciting and inspiring that you'll want to follow it rather than feeling like you have to push yourself into rigid frameworks.

Chapters

00:00 Introduction to Goal Setting Challenges

03:02 The Money Visioning Process

10:47 Creating an Expansive State for Visioning

16:38 Understanding Your Current Season

29:33 Welcoming All Parts of Yourself

39:03 Vividly Embodying Your Vision43:14 Conclusion and Invitation to Action

Resources:

Get my FREE book 'It's Not About The Money'

Take the Money StoryTypes® Quiz

Sign up to my FREE Newsletter

Become a Certified Financial Coach

Reveal and Heal the Inherited Money Patterns Keeping You Stuck with the 5 Hidden Money Beliefs Framework Guide

Check out The Body Of Wealth

Want to coach on money?

Work out your personal year

Book your 1:1 sessions with Jo

Discover why scaling broke me

 

Is there this part of you that genuinely wants more, but another part of you that's pushing money away? What I'm about to share in today's episode might actually come as a bit of a relief - your money struggles aren't necessarily about what you know or what you don't know, and they're not even really just about what you think or what you believe.

I've been able to bottle it all down to seven somatic resets, seven states of being that live in your body, seven ways that your body has essentially learnt to relate to money. I know this because I've lived all seven of them, even with my qualifications as a financial adviser, even whilst sitting across from clients helping them plan and invest their money. I still felt that familiar sensation of stress, tightness in my chest, not believing I was worthy of having money, and that sense that no matter what I did, I couldn't keep hold of it.

Today, I'm walking you through all seven of these states - from separation to wholeness, scarcity to sufficiency, independence to interdependence, transactional to relational, forcing to allowing, fear to love, and forever to seasons - what they actually feel like in your body, why they keep you in these patterns, and the very specific invitation that's going to support you in shifting your relationship with money for good.

 

Chapters

00:00 Introduction to Somatic Financial Coaching

02:38 Understanding the Seven States of Being

03:03 State of Separation: Feeling Disconnected from Money

06:07 State of Scarcity: The Illusion of Lack

11:34 State of Independence: The Burden of Self-Reliance

16:57 State of Transaction: Moving to Relationship with Money

21:00 State of Forcing: Transitioning to Allowing

26:08 State of Fear: Embracing Love as a State of Being

31:42 State of Forever: Recognizing Natural Cycles

39:44 Conclusion: Embracing Change and Transformation

 

Resources:

Get my FREE book 'It's Not About The Money'

Take the Money StoryTypes® Quiz

Sign up to my FREE Newsletter

Become a Certified Financial Coach

Reveal and Heal the Inherited Money Patterns Keeping You Stuck with the 5 Hidden Money Beliefs Framework Guide

Check out The Body Of Wealth

 

How much more money would you need to earn to stop worrying about money? Is it £10,000 more, £20,000, £50,000? I've worked with many clients earning six figures, people who have millions in their bank account, who lie awake at night with the same money anxiety. The myth that more money will solve all of your money problems may be the myth that's keeping you broke - not because you're not earning enough, but because you're chasing a target that never stops moving.

Let me tell you about when I finally earned "enough" - I'd spent years convinced that the next pay rise would create certainty and financial stability. When I hit that number at 32, here's what happened: absolutely nothing. The financial anxiety was still there, the hypervigilance around checking my bank balance was still there, and that's when I realised it wasn't an income problem - I had a safety problem.

Today, I'm breaking down why this myth is so destructive, how lifestyle creep and attachment patterns scale with your income, and the four practical steps to build genuine safety with money at any income level, because true wealth isn't about your bank balance - it's about healing your relationship with yourself.

Chapters

00:00 The Myth of Money Anxiety

03:12 Understanding Financial Anxiety

08:17 The Destructive Patterns of Money Myths

12:58 Attachment Styles and Money

18:14 The Concept of Abundance

22:01 Building a Healthy Relationship with Money

Resources:

Get my FREE book 'It's Not About The Money'

Take the Money StoryTypes® Quiz

Sign up to my FREE Newsletter

Become a Certified Financial Coach

Reveal and Heal The Inherited Money Patterns Keeping You Stuck with the 5 Hidden Money Beliefs Framework Guide

 

How many times have you been told that your money problems are just a mindset issue? That if you're not wealthy yet, it's just because you've got money blocks or you're not aligned? Well, what if I told you that's actually emotional gaslighting designed to keep you blaming yourself instead of seeing the real problems?

Welcome to the second episode in my Money Myths series where I'm busting the myths and beliefs that keep you stuck.

Today, we're unpacking the myth that says you have to have a millionaire mindset to become wealthy. Now, I talk a lot about mindset - it is incredibly important - but it's not the only thing you need to become a millionaire. This belief glosses over systemic barriers like the gender pay gap, racial discrimination, caring responsibilities, and disability factors that affect your ability to build wealth. It completely bypasses money trauma and shames people for not being positive enough, creating toxic positivity that disconnects you from your actual lived experience.

Instead of vision boards and affirmations, I'm sharing why we need to feel safe and grounded with money first, plus four practical steps to build genuine financial resilience that acknowledge both your internal patterns and the external systems working against you.

Chapters

00:00 Introduction to Money Myths

02:56 The Millionaire Mindset Myth

05:47 Systemic Barriers to Wealth

09:02 The Impact of Money Trauma

11:57 Financial Education and Access

14:47 Collective Responsibility and Change

18:11 Emotional Responses to Money

20:54 Practical Steps for Financial Safety

24:04 The Importance of Reality in Financial Conversations

27:12 Conclusion and Call to Action

Resources:

Get my FREE book 'It's Not About The Money'

Take the Money StoryTypes® Quiz

Sign up to my FREE Newsletter

Become a Certified Financial Coach

Check out other episodes focusing on Money Trauma:

https://catherinemorgan.com/podcastarchive/the-psychological-impact-of-money-trauma/

https://catherinemorgan.com/podcastarchive/financial-coaching-can-help-you-heal-money-trauma/

https://catherinemorgan.com/podcastarchive/10-steps-to-overcome-your-money-trauma/

 

Is getting better with money on your resolution list again this year? Maybe you've already downloaded a budgeting app, promised yourself you're going to track every penny, or sworn that this is the year you finally get it together. Well, here's what no one actually tells you - budgets don't work. If they actually did work, you wouldn't need to keep making the same resolution year after year.

Welcome to the first episode in my Money Myths series, where I'm busting the myths and beliefs that keep you stuck and stressed.

Today, we're tackling one of the most persistent money myths: "I just need a strict budget to stop overspending." Let me tell you as a recovered emotional overspender, this does not work. Budgets are built on willpower and they ignore the real reasons we overspend - they can actually trigger a response to restriction, create money shame when we don't stick to them, and treat the behaviour of spending rather than how you feel in that moment before you spend.

Instead, I'm sharing why a values-based approach works when traditional budgeting fails, plus practical tips for neurodivergent money management and permission to align your spending with what actually matters to you.

Chapters

00:00 Introduction to Money Myths

02:48 The Budgeting Myth: Why Budgets Fail

06:04 Reframing Financial Language

08:51 Emotional Spending and Impulse Control

12:13 Values-Based Spending Plans

15:02 Tracking Money Emotions

17:51 The Power of Permission in Financial Decisions

Resources:

Get my FREE book 'It's Not About The Money'

Take the Money StoryTypes® Quiz

Sign up to my FREE Newsletter

Become a Certified Financial Coach

Check out other episodes focusing on ADHD:

How my ADHD diagnosis shifted my identity

My ADHD Diagnosis & How to Manage Money When You Have ADHD

How to Manage Money in Business When You Have ADHD

The best way to plan your finances if you have adult ADHD

 

What does it really take to walk away from a six-figure consultant surgeon salary?

This week, I'm delighted to chat with Dr Bex Winterborn, who did exactly that after 25 years in the NHS. From experiencing PTSD after losing a colleague during surgery, to burnout during the pandemic, to that pivotal moment when she realised she was avoiding theatre lists - Bex shares her powerful journey of rediscovering purpose beyond the identity she'd held since she was seven years old.

We explore the courage it takes to remove the armour and mask we wear in high-pressure careers, why embodying your next chapter before you leap is essential, and how coaching and parts work helped Bex recognise she was multifaceted beyond just being a doctor.

If you're in a well-paid job but know there's something bigger calling you, this conversation about finding joy, setting boundaries, and understanding that it's absolutely okay to have different chapters in your life is going to really resonate with you.

Chapters

00:00 The Journey of Transitioning from Surgeon to Coach

05:23 Rediscovering Identity and Purpose

10:17 Understanding Parts Work and Its Impact

15:13 Navigating Financial Concerns During Transition

19:20 Breaking Down Hierarchies in Healthcare

24:16 The Power of Language in Transformation

27:44 Embracing Change and Supporting Others

Resources:

Get my FREE book 'It's Not About The Money'

Take the Money StoryTypes® Quiz

Sign up to my FREE Newsletter

Become a Certified Financial Coach

Connect with Dr Winterborn

Take Becs' Heart Centered Free Compass Assessment

 

I lost one really deep friendship when I started changing my relationship with money - not because I became a different person or got arrogant, but because I stopped being who they needed me to be. What nobody talks about when breaking money cycles is that sometimes the people closest to you have the most invested in keeping you exactly where you are. 

This is the conversation I've been avoiding since we started this series because it's messy, it's painful, and it doesn't have a tidy solution. But if you've been setting boundaries and healing your relationship with money, you've probably already felt it - that shift, that distance, that uncomfortable realisation that your growth is threatening to some people. 

Today, I'm talking about the hidden cost of financial healing that nobody really warns you about, the five relationship patterns that can't survive your evolution with money, and the actual conversation scripts you need when relationships begin to shift.

Chapters

00:00 The Cost of Financial Healing

02:47 Navigating Relationship Changes

06:11 Identifying Relationship Patterns

11:52 The Impact of Family Dynamics

17:55 Understanding Friendship Dynamics

24:01 Recognizing Growth and Grief

29:51 Effective Communication Strategies36:00 Embracing Change and New Relationships

Resources:

Get my FREE book 'It's Not About The Money'

Take the Money StoryTypes® Quiz

Sign up to my FREE Newsletter

Become a Certified Financial Coach

Get my FREE "5 Hidden Money Beliefs" Framework for Coaches.

Take the '5 Hidden Money Beliefs + 3-Zone Self-Check'

Download more resources at themoneypanel.co.uk/breakingmoneycycles

Check out Friendsaholic by Elizabeth Day

What would happen if you stopped holding all the responsibility with money? If you weren't the rescuer or the provider, the generous one - would people still value you and would you still matter?

That may sound like a rather odd question, but right now there are thousands of people searching terms like "Why do I always put others first with money?" and "How do I stop feeling guilty spending money on myself?" because so many of us are trapped in what I refer to as the caretaker money cycle, where your mind and your body have literally learnt that giving money away equals safety, love, and worthiness. And that programming is essentially bankrupting your future.

Whether you're a business owner who's paying everybody else's salary before your own, a mother funding your adult children's lives whilst living on scraps, a partner who ignores your own needs to keep the peace, or perhaps somebody supporting an aged parent at the expense of your own retirement - the scenario changes, but the pattern is the same.

Today, I'm going to show you why financial caretaker exhaustion isn't about being generous, and I'm going to give you an emotional toolkit exercise to help you break free from these cycles, along with some practical steps as well.

Chapters

00:00 Breaking the Caretaker Money Cycle

14:09 Understanding Financial Responsibility and Identity

22:17 Practical Steps to Break Free

40:04 Emotional Financial Freedom

Resources:

Get my FREE book 'It's Not About The Money'

Take the Money StoryTypes® Quiz

Sign up to my FREE Newsletter

Become a Certified Financial Coach

Get my FREE "5 Hidden Money Beliefs" Framework for Coaches.

Take the '5 Hidden Money Beliefs + 3-Zone Self-Check'

Download more resources at themoneypanel.co.uk/breakingmoneycycles

 

If money has been feeling rather heavy for you recently, or maybe you're waking up in the middle of the night worrying about money, I want you to first of all know that you are not alone and there is absolutely nothing wrong with you if you have debts.

This episode is specifically about debt and shame, and I'm going to be sharing what happened for me when I was in £35,000 of debt - a story I've rarely told publicly because of the deep shame I carried around it for years. The truth is, debt isn't just about the numbers on a statement; it's about the weight of secrecy, the fear of judgement, and the exhausting cycle of hiding your financial reality whilst trying to maintain a successful exterior.

Today, I'm pulling back the curtain on my own debt journey, why shame keeps us trapped in destructive patterns, and the exact steps that helped me break free - not just from the debt itself, but from the suffocating belief that owing money meant I was fundamentally broken.

Chapters

00:00 Understanding Debt and Shame

10:24 The Emotional Side of Money

15:07 Practical Strategies for Debt Management

24:30 Combining Emotional Healing with Financial Strategies

Debt helplines

- **StepChange:** 0800 138 1111

- **National Debtline:** 0808 808 4000  

- **Citizens Advice:** 0800 144 8848

If you're dealing with ADHD, depression, or anxiety affecting your money behaviours - **get mental health support:**

- **Samaritans:** 116 123 (24/7)

- **ADHD UK:** adhduk.co.uk

- **Mind:** 0300 123 3393

Resources:

Get my FREE book 'It's Not About The Money'

Take the Money StoryTypes® Quiz

Sign up to my FREE Newsletter

Become a Certified Financial Coach

Get my FREE "5 Hidden Money Beliefs" Framework for Coaches.

Take the '5 Hidden Money Beliefs + 3-Zone Self-Check'

Download more resources at themoneypanel.co.uk/breakingmoneycycles

Listen to previous podcast episode Master Female Financial Freedom in 1 Hour: Everything They Never Taught Women About Money

 

What if next month's revenue felt as reliable as your morning coffee? As a financial expert who's helped thousands of business founders to steady their income, I can honestly tell you this: you've already done the hard part - people want what you sell. Let's make the good months stick. Feast and famine cycles aren't personal failures, and it's not even your marketing. It's a pattern that your body and your business have learnt to repeat.

Today, I'm going to widen your capacity to receive money, to hold and to give, and pair it with some really simple, practical planning strategies so that consistency feels safe and not scary. I'll walk you through a monthly money date and a clear 90-day look ahead so you can spot those revenue cliffs early, plus a gentle body reset that you can use when money speeds up or slows down.

No hustle, no shaming, just a calming rhythm to steady, repeatable income.

Chapters

00:00 Understanding Feast and Famine Cycles

02:47 Practical Planning for Financial Stability

05:54 Emotional Connections to Money

08:35 Recognizing Patterns in Cash Flow

11:15 Preparing for Revenue Cliffs

14:24 The Role of Body and Mind in Financial Cycles

17:04 Strategies for Managing Cash Flow

19:44 The Importance of Financial Stability Funds

22:30 Navigating Seasonal Fluctuations

25:28 Evolving Pricing Strategies

28:09 Implementing Monthly Money Dates

Resources:

Get my FREE book 'It's Not About The Money'

Take the Money StoryTypes® Quiz

Sign up to my FREE Newsletter

Become a Certified Financial Coach

Get my FREE "5 Hidden Money Beliefs" Framework for Coaches.

Take the '5 Hidden Money Beliefs + 3-Zone Self-Check'

Download more resources at themoneypanel.co.uk/breakingmoneycycles

Listen to previous podcast episode What is a Money Date and Why You Should Have One

Have you ever felt so overwhelmed by a money decision that you've Googled "best savings account," opened 17 tabs, read 18 articles, and ended up way more confused than when you started?

Here's the trap we all fall into: when we're stressed about money, we think the answer is more information - one more podcast, one more YouTube video, one more expert opinion that will finally make it all make sense. But that information is actually making the overwhelm worse.

Today, as a former financial adviser with 20 years of experience, I'm showing you what's actually happening in your brain when you try to make decisions whilst feeling overwhelmed, and why the best thing you can do for your finances might be to stop consuming and start clearing. Research shows we're processing the equivalent of 174 newspapers worth of information every single day, and when we're in information overload, our decision-making shifts from our considered mind to our reactive, survival-orientated brain - which is pretty catastrophic when it comes to making sound financial choices.

Chapters

00:00 Understanding Financial Overwhelm

09:37 Clearing Your Mind for Better Decisions

13:52 The Importance of Emotional Regulation in Finance

Resources:

Get my FREE book 'It's Not About The Money'

Take the Money StoryTypes® Quiz

Sign up to my FREE Newsletter

Become a Certified Financial Coach

Get my FREE "5 Hidden Money Beliefs" Framework for Coaches.

Take the '5 Hidden Money Beliefs + 3-Zone Self-Check'

Download more resources at themoneypanel.co.uk/breakingmoneycycles

I've spent the last 10 years trying to find the perfect financial management system for my business and personal finances, and here's what I've discovered: it doesn't matter which system you implement if the one thing avoiding the numbers is you. As a qualified financial advisor and somatic money expert, I can tell you with absolute certainty that financial avoidance has nothing to do with lack of financial education - it's a protection response your body has learned. When you retrain that response, money stops feeling like a threat and starts feeling like simple, neutral information.

Today, I'm guiding you through one simple somatic money practice that will prove to your body and mind that money is safe, and I'm sharing how I went from three months of complete avoidance to checking my numbers daily with curiosity, joy, and ease. Because here's the truth: you can have all the financial knowledge in the world, but if you can't look at your numbers, you can't use any of it.

Chapters

00:00 Introduction to Financial Management and Avoidance

03:22 Understanding Financial Courage and Its Importance

08:36 Transforming Your Relationship with Money

13:26 Overcoming Perfectionism in Financial Practices

17:49 Somatic Money Practice for Financial Confidence

28:12 Building Financial Courage Step-by-Step

Resources:

Get my FREE book 'It's Not About The Money'

Take the Money StoryTypes® Quiz

Sign up to my FREE Newsletter

Become a Certified Financial Coach

Get my FREE "5 Hidden Money Beliefs" Framework for Coaches.

Take the '5 Hidden Money Beliefs + 3-Zone Self-Check'

Download more resources at themoneypanel.co.uk/breakingmoneycycles

Have you ever achieved a major financial milestone - landed a big client, hit a revenue goal, or finally built up your savings - only to watch yourself systematically self-sabotage it within weeks? Maybe you suddenly took on underpriced work, made an impulsive expensive purchase, or created some drama that torpedoed your success. If this sounds familiar, I need you to understand something crucial: this isn't weakness, it's not a character flaw, and it's not lack of willpower. This is your nervous system literally treating financial success like a threat to your existence. 

Right now, thousands of people are searching terms like "why do I self-sabotage when things go well" or "why can't I hold onto money" because they're experiencing what I call success dysregulation - where your body cannot tolerate the feeling of having more, so it creates chaos to bring you back to the familiarity of struggle. 

Today, I'm diving into why you might be getting 80% of the way to your financial goals and then something just happens, and more importantly, how to rewire your nervous system so you can finally keep what you've created.

Chapters

00:00 Understanding Financial Self-Sabotage

02:46 The Role of the Nervous System in Money Management

05:52 Success Dysregulation: The Fear of Holding Success

08:35 Patterns of Self-Sabotage in Financial Success

11:22 Exploring the Three Money Zones

14:00 Common Patterns of Financial Dysregulation

17:06 Somatic Practices for Financial Success

19:51 Rewiring Your Nervous System for Success

22:11 Creating a Safe Space for Financial Growth

25:12 The Journey Towards Financial Empowerment

Resources:

Get my FREE book 'It's Not About The Money'

Take the Money StoryTypes® Quiz

Sign up to my FREE Newsletter

Become a Certified Financial Coach

Get my FREE "5 Hidden Money Beliefs" Framework for Coaches.

Take the '5 Hidden Money Beliefs + 3-Zone Self-Check'

Download more resources at themoneypanel.co.uk/breakingmoneycycles

If you've ever caught yourself saying "I don't want to price myself out of the market" or felt that familiar guilt creeping in when considering raising your prices, you're about to discover why being the affordable option is actually a financial trauma response.

The hidden cost of undercharging isn't just the money you're leaving on the table - it's the cycle of resentment, exhaustion, and trauma responses that keep you trapped in patterns of unworthiness. In my book "It's Not About The Money," I explore how under-earning often starts as a trauma response where we overwork to prove ourselves, yet still feel undeserving.

Today, I'm diving into why you've learned that charging less keeps you safe from rejection, but what's really happening is that every time you undercharge, you're training your body to believe you're worth less. This belief doesn't just affect your pricing - it rewires how you show up in every area of your life, creating a perfect storm where all three money zones get hijacked simultaneously.

Chapters

00:00 Understanding the Cost of Undercharging

03:14 Exploring the Three Money Zones

05:48 Identifying Symptoms of Under-Earning

09:43 The Impact of Money Trauma

14:08 Body Work and Emotional Connection

19:25 Shifting Perspectives on Pricing

Resources:

Get my FREE book 'It's Not About The Money'

Take the Money StoryTypes® Quiz

Sign up to my FREE Newsletter

Become a Certified Financial Coach

Get my FREE "5 Hidden Money Beliefs" Framework for Coaches.

Take the '5 Hidden Money Beliefs + 3-Zone Self-Check'

Download more resources at themoneypanel.co.uk/breakingmoneycycles

 

Have you ever looked at your bank account and thought "this should feel like enough," yet still felt that familiar knot of anxiety in your stomach whenever money came up? You're absolutely not alone in this experience. 

This week, I'm diving deep into why you can feel broke even when you have money - and it has nothing to do with the actual numbers in your account. The real culprit? Your nervous system and how it's been programmed to recognise what feels "safe" around money. If you grew up hearing "we can't afford that" or witnessed your parents stress about finances, your body has been encoded with those scarcity patterns, even if you're now financially secure as an adult. 

Today, I'm sharing the 10-minute daily practice that completely rewired my relationship with worthiness and abundance - because the truth is, you can't think your way out of feeling unworthy, you have to feel your way into a new reality.

Chapters

00:00 Understanding Financial Anxiety

03:11 Breaking Money Cycles: The Three Money Zones

10:00 Emotional Freedom and Healing Practices

12:14 Heart Breathing: A Transformative Practice

23:52 Rewiring Your Relationship with Money

Resources:

Get my FREE book 'It's Not About The Money'

Take the Money StoryTypes® Quiz

Sign up to my FREE Newsletter

Become a Certified Financial Coach

Get my FREE "5 Hidden Money Beliefs" Framework for Coaches.

Take the '5 Hidden Money Beliefs + 3-Zone Self-Check'

Download more resources at themoneypanel.co.uk/breakingmoneycycles

In this deeply personal episode, I explore why having more money often doesn't make us feel safer, and why this isn't actually a money problem - it's a meaning problem. Drawing from my own experience of nearly losing my youngest son Thomas twice in his first five weeks of life, I reveal how our "not enough" programming around money often stems from our deepest fears about being unprepared when someone we love is at risk.

Through my three-zone model of receiving, holding, and giving, I break down how these inherited money beliefs create an exhausting cycle where we work harder but can never earn, save, or give enough to feel truly secure - because the issue was never about the money itself, but the unconscious meanings we've attached to it.

Chapters

00:00 Understanding the Meaning Problem with Money

03:09 Personal Story: A Life-Changing Moment

09:49 The Three Zone Model of Money Relationships

18:45 Exploring the Receiving Zone

25:04 Navigating the Holding Zone

26:16 The Challenges of the Giving Zone

35:48 Changing Money Patterns and Beliefs

Resources:

Get my FREE book 'It's Not About The Money'

Take the Money StoryTypes® Quiz

Sign up to my FREE Newsletter

Become a Certified Financial Coach

Get my FREE "5 Hidden Money Beliefs" Framework for Coaches.

 

 

In this episode, I'm joined by Chris Ducker, serial entrepreneur, founder of Youpreneur, and author of the brand new book "The Long-Haul Leader." Chris shares his deeply personal journey from building multi-seven figure businesses whilst burning himself out, to being diagnosed with phase three adrenal failure, depression, and anxiety all in the same day in 2021. What emerged from that breakdown was a complete reimagining of what sustainable success looks like - moving away from hustle culture towards what he calls "long-haul leadership." We explore his Life OS framework with its four key domains, why hobbies aren't frivolous but essential for productivity, and how Chris completely redefined his relationship with money from chasing it to using it as a tool for creating the life he actually wants to live.

 

Chapters

00:00 Introduction to Long Haul Leadership

01:15 The Journey of Burnout and Recovery

03:52 The Impact of Relationships on Leadership

09:43 Exploring the Life Operating System Framework

17:05 The Importance of Hobbies and Personal Mastery

20:57 The Relationship with Money and Self

23:00 The Journey of Entrepreneurship

26:45 Redefining Success and Celebrating Milestones

27:19 Shifting Perspectives on Money Management

29:32 Understanding 'Enough' in Financial Terms

30:59 The Importance of Self-Care and Well-Being

34:21 Creating a Sustainable You

Resources:

Get my FREE book 'It's Not About The Money'

Take the Money StoryTypes® Quiz

Sign up to my FREE Newsletter

Become a Certified Financial Coach

Get my FREE "5 Hidden Money Beliefs" Framework for Coaches.

Discover more about Chris Ducker at www.thelonghaulleader.com

Hear How to Build Rich Relationships With Selena Soo

Listen to The Big Leap and How We Upper Limit Ourselves with Gay Hendricks

 

Episode Overview

In this episode, I'm joined by Alexis Kingsbury, a multi-entrepreneur who started his first business at just 12 years old, yet failed with six consecutive businesses throughout school and university. After being told by a management consultant that he'd "never be able to build a team" and having his first employee quit saying his company had "no culture, no processes and no proper ways of working," Alexis has gone on to build two successful software businesses and a consulting practice serving over 600 organisations worldwide, including Google, Sony and Pepsi. Most importantly, he's completely removed himself from day-to-day operations and regularly takes trips around Europe with his family. If you've ever felt trapped working in your business rather than on it, this conversation will completely change how you think about scaling sustainably.

Chapters

00:00 Introduction to Business Freedom
02:44 Early Business Ventures and Lessons Learned
09:38 Mindset Shifts for Business Growth
15:12 The Importance of Enjoying the Journey
20:54 Building a Business That Runs Without You
29:05 Hiring the Right People for Growth
40:11 What Matters Beyond Money

Resources:

Get my FREE book 'It's Not About The Money'

Take the Money StoryTypes® Quiz

Sign up to my FREE Newsletter

Become a Certified Financial Coach

Get my FREE "5 Hidden Money Beliefs" Framework for Coaches.

Discover AirManual

Listen to the De-stress Your Business podcast

 

Episode Overview

In this episode, I'm delighted to chat with Michelle Taylor, founder of Women in Wealth and host of the "Talk Wealthy to Me" podcast, who shares her incredibly powerful and vulnerable money story. From growing up with two parents who had completely opposite approaches to money, to being diagnosed with leukaemia at 17, to finding herself unable to buy a magazine at the airport because four credit cards were declined - Michelle's journey is a masterclass in resilience and financial transformation. Her story beautifully illustrates how our early money experiences shape us, and more importantly, how we can rewrite our financial narrative at any stage of life.

 

Chapters

00:00 Empowering Women in Wealth

02:39 Michelle's Early Money Experiences

06:29 Overcoming Adversity: The Impact of Illness

11:08 Lessons from Financial Struggles

18:16 Building Resilience Around Money

19:52 Setting Financial Goals and Mindset

23:32 Common Mistakes Entrepreneurs Make

26:20 Finding Your Support System

31:02 Final Thoughts: Betting on Yourself

 

Resources:

Get my FREE book 'It's Not About The Money'

Take the Money StoryTypes® Quiz

Sign up to my FREE Newsletter

Become a Certified Financial Coach

Get my FREE "5 Hidden Money Beliefs" Framework for Coaches.

 

In this episode, I share a powerful story about a well-known financial celebrity who, despite decades of expertise and clear logical reasons, had been putting off the same property purchase for almost 20 years. What we discovered in our conversation reveals everything about why you might be undercharging, avoiding money conversations, or sabotaging your financial success - and it's not what you think. Through my seven-day money story discovery process, I'll show you how to uncover the hidden inherited survival strategies that have been passed down through three generations, affecting every financial decision you make, even when you logically know better.

Chapters

00:00 Understanding Money Fears and Patterns

13:12 The Seven-Day Money Story Discovery Process

Resources:

Get my FREE book 'It's Not About The Money'

Take the Money StoryTypes® Quiz

Sign up to my FREE Newsletter

Become a Certified Financial Coach

Watch 'The Invisible Money Scripts Sabotaging Your Success (And How to Rewrite Them)'

Get my FREE "5 Hidden Money Beliefs" Framework for Coaches.

 

In this episode, I'm delighted to chat with Jason Graystone, author of "Always Free" and investor who achieved financial freedom at just 30 years old. Jason and I actually met on a ski trip with Daniel Priestley earlier this year, and I couldn't resist having him on the show to discuss his remarkable journey from hiding behind the sofa as bailiffs knocked on the door in his childhood council estate, to building a half-million subscriber YouTube channel and living completely financially free on his West Sussex farm. We dive deep into why most people never achieve financial freedom, the psychology of money, trading strategies, and what true freedom really means when it's not about the money.

Chapters

00:00 Introduction to Financial Freedom

02:59 Jason's Early Influences and Money Mindset

05:47 The Journey to Financial Security

09:02 Understanding Freedom: Emotional vs. Financial

11:53 The Impact of Childhood Experiences on Financial Views

14:56 Work Ethic and Its Influence on Freedom

18:10 Sacrifices Made for Financial Freedom

21:07 Transitioning to Trading and Entrepreneurship

23:52 Building a Community and Sharing Knowledge

26:00 The Journey of Learning to Trade

28:58 Navigating Emotions in Trading

36:18 Key Skills for Successful Trading

40:11 Investment Strategies and Risk Management

48:36 Finding Freedom Beyond Money

Resources:

Get my FREE book 'It's Not About The Money'

Take the Money StoryTypes® Quiz

Sign up to my FREE Newsletter

Become a Certified Financial Coach

Join The Energy of Selling

Join Female Financial Foundations using discount code FFF47 (saving £750) for the first 500 people

 

In this comprehensive masterclass episode, I share everything I learned during my 15 years working inside banks as a trained financial adviser, watching thousands of intelligent people convinced they weren't good with money. After discovering that you don't need to be rich to get started, don't need financial qualifications, and definitely don't need to love numbers to build wealth like the top 1%, I'm pulling back the curtain on the complete system that's helped thousands break free from financial stress. This is your complete guide to transforming your relationship with money - covering both the practical strategies and the psychology that banks don't want you to know about - regardless of your starting point.

Chapters

00:00 Understanding Money and Wealth Building
12:31 Rewriting Your Money Story
19:31 Creating a Debt Freedom Plan
27:52 Setting Motivating Financial Goals
38:51 Establishing a Weekly Money Routine
45:33 Monthly Financial Focus and Adjustments
54:49 The Importance of Starting to Invest
01:01:06 Investment Strategies Across Life Stages
01:11:22 Psychology of Money and Saving Techniques
01:20:34 Transforming Your Relationship with Money
01:21:33 The Female Financial Foundations Course Overview
01:22:56 Exclusive Course Offer and Bonuses

Resources:

Get my FREE book 'It's Not About The Money'

Take the Money StoryTypes® Quiz  

Sign up to my FREE Newsletter

Become a Certified Financial Coach

Join The Energy of Selling

Join Female Financial Foundations using discount code FFF47 (saving £750) for the first 500 people

 

Episode Overview

In this episode, I'm delighted to chat with bestselling author and visibility expert Selena Soo about her incredible book "Rich Relationships." After following Selena's work for years and witnessing the transformative results her expertise creates, I dive deep into her revolutionary approach to building, nurturing, and activating your million-dollar network. We explore how rich relationships - those that massively enrich the quality of your life - are truly the fastest way to get from where you are to where you want to be, especially in today's economy where trust is at an all-time low and authentic connections can take you places that mass marketing simply cannot.

Chapters

00:00 Introduction to Rich Relationships

04:27 Defining Rich Relationships

06:03 The Six Circles of Connection

10:59 Navigating Relationships and Self-Assessment

18:09 Breaking Unhealthy Relationships

23:25 Navigating Relationships and Personal Growth

29:14 Building Your Top 40 Relationships

35:42 The Art of Giving and Receiving in Relationships

Resources:

Get my FREE book 'It's Not About The Money'

Take the Money StoryTypes® Quiz

Sign up to my FREE Newsletter

Become a Certified Financial Coach

Join The Energy of Selling

Read Selena's Rich Relationships Scripts

Listen to The Future Of Money and AI With Natalie MacNeil podcast episode

Discover the the Linkedin Accelerator course I did 

In this episode, I tackle one of the biggest challenges facing business owners today: working 50-70 hours a week but still lying awake wondering where all the money has gone. Through a real client case study and practical strategies, I reveal why being busy isn't the same as being profitable, and share the three fundamental ways to transform your hard work into actual profit that pays you properly.

Chapters

00:00 The Busy vs. Profitable Paradox

02:45 Understanding Profit Confusion

06:07 Designing Your Life for Profit

09:13 The Importance of Knowing Your Financial Needs

12:06 Time and Energy Management for Profit

14:55 The Power of Mindset in Profitability

17:46 Strategies to Increase Profit

21:04 Decreasing Costs Effectively

23:56 Mindset Shifts for Financial Success

Resources:

Get my FREE book 'It's Not About The Money'

Take the Money StoryTypes® Quiz

Sign up to my FREE Newsletter

Become a Certified Financial Coach

Join The Energy of Selling

 

In this episode, I chat with the incredible duo behind Bucket List Bombshells - Cassie and Shay - who met serendipitously in a Mexican coffee shop after both quitting their corporate jobs with one-way tickets. Together, they've built a freedom-based, service-based business generating over £4.5 million in revenue whilst serving thousands of women worldwide. We dive deep into their contrasting money relationships, the power of visionary-integrator partnerships, and the lessons learned from scaling sustainably.

Episode Highlights:

The Coffee Shop Origin Story - 2013

• How both women independently decided corporate wasn't their dream and quit their jobs for one-way tickets to Mexico
• Meeting in a Playa del Carmen coffee shop through a mutual friend
• The early question that shaped everything: "What does the dream life look like for us?"
• Building a business around the life they wanted to live, not the other way around
• How having a mentor with an online business provided a blueprint for possibility

The Contrasting Money Relationships in Partnership

Shay's Journey (The Integrator):

• Fast money growth creating challenges with holding wealth and abundance
• Spending money as quickly as it came in during early success phases
• Shiny object syndrome and following other successful entrepreneurs without understanding their mechanics
• Identity becoming tied to daily revenue numbers and success/failure cycles
• Learning to separate self-worth from business metrics
• Now finding joy in CEO dashboards and empowering clients with financial clarity

Cassie's Journey (The Visionary):

• "Ignore the numbers and work harder" mentality from early conditioning
• Type A personality believing harder work = more money
• Leading to burnout from constantly doing more: more offers, more team, more marketing
• Going from 25 different offers to just one at their simplification point
• Learning that scaling comes from amplifying what works, not adding complexity

Essential Financial Metrics Every Business Owner Should Track

1. Lead Generation Numbers: How many leads monthly from each source (word of mouth, Instagram, networking)
2. Lead to Sales Call Conversion: Aiming for baseline 50% conversion rate
3. Sales Call Conversion Rates: Most entrepreneurs guess these numbers rather than tracking accurately
4. Revenue vs. Profit Focus: Focusing on profit margins rather than just revenue figures
5. Paying Yourself First: Fixed salary approach rather than percentage-based payments to create stability

The Simplification Revolution - From 25 Offers to 3

• How complexity became the enemy of clarity and growth
• The realisation that confused minds don't buy and confused CEOs don't lead well
• Discovering that more offers don't equal more money
• Learning to say "not right now" to opportunities and creative ideas
• The power of channelling creativity outside the business through art classes and hobbies

Key Business Philosophy Shifts

Business as a Marathon, Not Sprint:

• Recognising different seasons in business and life
• Moving away from "always more" mentality toward sustainable growth
• Understanding that there's never enough when the goal is always more
• Finding peace through stepping back, scaling back, and simplifying

Creative Boundaries for Visionaries:

• Not asking the business to serve all creative needs
• Finding outlets for creativity outside revenue-generating activities
• Understanding the difference between one-time creative pursuits and sustainable business offers
• Focusing on refinement and consistency rather than constant new launches

Partnership Dynamics and Communication

• The importance of communicating when things don't feel aligned
• Learning to trust yourself again after perceived failures
• Not assuming your partner shares the same passion and vision at all times
• The breakthrough that comes from honest communication about misalignment
• How addressing issues strengthens both partnership and connection to vision

Practical Tools and Strategies

The Buyer Persona Deep Dive:

• Going beyond surface-level target audience work
• Understanding dream clients down to what car they drive and podcasts they listen to
• Using real client emails and call language to refine messaging
• Leveraging AI tools like ChatGPT with detailed buyer personas for better content creation
• Using sales call transcripts to analyse money mindset blocks and selling patterns

Financial Stability Creation:

• Creating business financial stability that supports desired lifestyle
• Implementing profit-first principles with fixed salaries
• Quarterly bonus structure similar to traditional employment
• Removing the emotional roller coaster of percentage-based payments

Final Thought

True freedom in business comes not from doing more, but from simplifying and amplifying what works whilst building around the life you actually want to live. Success is sustainable when you understand your natural strengths, communicate openly with partners, and create systems that support both financial growth and personal fulfilment.

Chapters

00:00 Celebrating Milestones and New Beginnings

00:55 The Journey to Entrepreneurship

02:19 The Coffee Shop Connection

05:55 Defining the Dream Life

10:40 Navigating Money Mindset

16:05 Data-Driven Decisions in Business

21:15 Understanding Key Financial Metrics

26:03 Balancing Vision and Numbers

32:49 Advice for Future Entrepreneurs

43:39 Communicating Needs in Partnerships

48:46 Free Resources for Entrepreneurs

Resources:

Get my FREE book 'It's Not About The Money'

Take the Money StoryTypes® Quiz

Sign up to my FREE Newsletter

Become a Certified Financial Coach

Join The Energy of Selling

Take the Bucketlist Bombshells Buyer Persona & Brand Messaging Questionnaire

Listen to The Future Of Money and AI With Natalie MacNeil podcast episode

In this vulnerable episode, I share the untold story behind hitting £50,000 months and how success nearly broke me mentally, emotionally, and physically. Rather than celebrating these income milestones, I reveal the shame, overwhelm, and toxicity that comes with scaling without boundaries - and the complete business transformation that saved my sanity.

The Moment That Changed Everything - Summer 2023

• How my mum discovering my £50K bank statement triggered intense money shame

• The guilt of making money "easily" when others, including my mum, had to struggle

• My immediate response: dismissing it as a "one-off" rather than owning my success

• The realisation that my nervous system was rejecting wealth because it felt dangerous to have more than people I love

The Reality Behind the Success - What Nobody Talks About

• Running 15 different courses and offerings simultaneously: mini courses, evergreen programmes, books, podcast, workshops, membership, certification, mastermind, pensions course, investing course, budgeting course

• The overwhelming complexity of multiple revenue streams running at once

• How my two biggest profit generators (12-month mastermind and signature money programme) required constant client acquisition

• The crushing responsibility of paying team wages on top of my own income

The Neurodivergent Entrepreneur's Dilemma

• How my 2023 ADHD diagnosis explained my love of creating and my overwhelm with complexity

• The creativity trap: what was joyful and easy became my kryptonite

• Why neurodivergent brains struggle with "more" - the million pieces of information running simultaneously

• The toxic scaling trap fuelled by online business gurus pushing "make more, hire bigger teams, create more products"

My Great Simplification Journey - What I Actually Did

• Taking August 2024 completely off (with a separate episode on how to do this)

• Pausing my podcast for five months - the first break in five years

• Closing my mastermind (biggest income generator) and stopping launches for my second biggest programme

• Letting go of a key team member and hibernating whilst travelling Canada with my family

• The breakthrough conversation with Richard Branson on Necker Island about his circle analogy

The Rule of Five Framework for Overwhelmed Entrepreneurs

1. One target market - you can't serve everybody without serving nobody

2. One problem solved - going deep rather than wide, partnering with others for different solutions

3. One offer - mastering one thing completely rather than multiple offerings

4. One platform - I chose LinkedIn and became top 30 money content creator in UK within 90 days

5. One year - committing to this focus for 12 months without wavering

My Personal Implementation Story

• Returning to my core: financial coach training for professionals wanting to help clients with money

• Focusing on my Money Narrative Clearing Framework as the one thing with biggest impact

• Investing in LinkedIn mastery course and achieving top 30 UK money creator status

• Four speaking opportunities in 90 days, including one at the O2

• Stripping back to part-time PA and couple of VAs only

The Financial Permission I Gave Myself

• Living off investments and savings for a year to remove financial pressure

• Paying myself from savings pots rather than staying in constant launch mode

• Overcoming stories about "wealth experts should be making loads of money consistently"

• Understanding my numerology: coming out of year 9 (completions/letting go) into year 1 (new beginnings) and now year 11 (spiritual teacher/volatile emotions)

The Success Lessons Nobody Teaches You

Success Can Be Lonely:

• How entrepreneurship isolates you from meaningful connections

• Making 2025 my "year of relationships" - every decision based on improving relationships with self, others, and business collaborations

Success Trauma Is Real:

• How your nervous system can interpret success as danger

• Generational money patterns affecting permission to hold wealth

• The need to heal success trauma before scaling

Complexity Is the Enemy of Clarity:

• More offers don't equal more money - confused minds don't buy

• Confused CEOs don't lead well

• The power of saying "not right now" to ideas and opportunities

Creativity Needs Boundaries:

• Visionaries need creative outlets outside their business

• The danger of relying solely on business for fulfilment and joy

• What happens when you want to sell or retire - preparation for life beyond business

Neurodivergent Entrepreneurs Have Different Rules:

• Traditional business models can be harmful to neurodivergent brains

• Building business around family priorities and personal energy patterns

• Working 9-3, no evening webinars, extended wind-down time for nervous system regulation

Where I Am Now - The Results of Simplification

• Significantly more space in my calendar and less stress

• Lower revenue but exponentially more joy and fulfilment

• Two focused businesses: UK financial coach training, Jersey personal brand with one container (Energy of Selling mini-mastermind)

• Smaller, happier, more focused team with better time freedom

• Dramatically improved mental health and expanded relationships

• Recognition that wealth is built on focus, not complexity

Practical Action Steps for Overwhelmed Entrepreneurs

1. Audit your offerings - what can you cut that's not bringing joy or revenue?

2. Check your nervous system - is success feeling safe? Address money stories holding you back

3. Apply the Rule of Five - where can you simplify across all five areas?

4. Honour your neurodivergence - what actually works for your brain and energy?

Redefine success - give yourself permission to prioritise wellbeing over revenue

Final Thought

This episode emphasises that real wealth isn't just about the money you make - it's about the life you get to live whilst making it. If your success is costing you your sanity, it's time to redefine what success looks like and feels like. My £50K months didn't make me happier; they just made me busier.

Chapters

00:00 - Introduction: The Reality of Financial Milestones

03:30 - The Shame of Success

08:00 - The Toxicity of Scaling

14:00 - The Great Simplification

20:00 - The Rule of Five Framework

26:00 - Honoring Neurodivergent Needs

32:00 - Redefining Success

Resources:

Get my FREE book 'It's Not About The Money'

Take the Money StoryTypes® Quiz

Sign up to my FREE Newsletter

Become a Certified Financial Coach

Join The Energy of Selling

Discover the the Linkedin Accelerator course I did 

Listen to What I learnt from Sir Richard Branson

 

In this episode, I explore why we get stuck repeating the same frustrating money patterns despite reading books, listening to podcasts, and working on our mindset. Rather than blaming ourselves for being broken or lazy, I reveal the hidden psychology behind these behaviours - the secondary gains that keep us "stuck" because they're actually protecting us in some way.

Episode Highlights:

Understanding Secondary Gains - The Hidden Benefits

• How every financial behaviour, even destructive ones, serves a positive purpose
• Why our unconscious mind creates patterns to keep us safe based on old information
• The concept of secondary gains as "wrapping" around our biggest fears about money
• How protection mechanisms that once served us may no longer be appropriate at 43
• The difference between conscious desires and unconscious protective patterns

My Personal Examples: Undercharging and Protection

• How I stayed in undercharging patterns to avoid rejection and confrontation
• The realisation that "you're too expensive" is about the other person's values, not my worth
• My Thermomix story - how I value different things differently (£800 kitchen gadget vs. high-ticket mentoring)
• The first-class flight dilemma and the guilt around spending £1,500 on comfort

The Four Most Common Secondary Gains Around Money

1. Undercharging Pattern:

• Primary fear: rejection, confrontation, and loss of "nice person" identity
• Benefits: more people say yes, avoiding uncomfortable negotiations, staying accessible
• How it prevents claiming full power and owning your brilliance
• Applies to both business owners and employees negotiating pay rises

2. Chronic Saving Pattern:

• Primary fear: uncertainty and lack of control
• Benefits: feeling protected, being the "responsible one," avoiding buyer's remorse
• How it maintains identity as the sensible person while others are "frivolous"
• The trap of "never enough" despite growing bank balances

3. Money Avoidance Pattern:

• Primary fear: adult responsibility and making wrong decisions
• Benefits: maintaining childlike innocence, having others take responsibility
• How chaos becomes an excuse to avoid goal-setting and risk-taking
• Case study from my recent live coaching demonstration about staying in childlike patterns

4. Overspending/Impulse Pattern:

• Primary fear: making big decisions and planning ahead
• Benefits: instant emotional regulation, dopamine hits, maintaining victim identity
• How it helps avoid future planning (especially challenging for neurodivergent brains)
• My personal pattern of spending everything to avoid making financial decisions

The Identity and Relationship Dynamics

• How money patterns serve our relationships and keep peace
• Client examples: fear of out-earning mentors, maintaining marriage dynamics
• The "struggling artist" or "survivor" story identity
• How staying financially small can protect us from jealousy and judgment
• The secondary gain of maintaining harmony by not threatening others' positions

Spotting Your Own Secondary Gains - Key Questions

• What do you get to avoid when you stay stuck?
• What identity does this pattern allow you to maintain?
• How do your money patterns serve your relationships?
• What would you have to face if this pattern disappeared tomorrow?
• Does the possibility of change feel scary, and why?

Working With Secondary Gains, Not Against Them

• The importance of curiosity over judgment
• How these patterns developed for good reasons and have been trying to protect us
• My approach using Emotional Freedom Technique (EFT) and Matrix Re-imprinting
• Combining somatic work with inherited family trauma modalities
• The goal: making your financial future more exciting than the secondary gain

Practical Steps for Change

• Honouring what the pattern has done for you with gratitude
• Speaking directly to the protective parts: "Thank you for keeping me safe"
• Working with the nervous system through gradual, sustainable changes
• Finding healthy ways to meet the same emotional needs differently
• Why incremental price increases work better than dramatic jumps

The Neurodivergent Perspective

• How ADHD and autism traits can make planning ahead feel unsafe
• Why spending everything now avoids future decision-making pressure
• Reference to previous episodes on managing money with ADHD
• protective mechanisms

Chapters

00:00 Understanding Money Patterns and Secondary Gains
09:52 The Impact of Undercharging and Self-Worth
18:33 Exploring Chronic Saving and Money Avoidance
26:03 Transforming Patterns and Embracing Change

Resources:

Get my FREE book 'It's Not About The Money'

Take the Money StoryTypes® Quiz

Sign up to my FREE Newsletter

Become a Certified Financial Coach

Get Investing with my course - Use code INVEST50OFF2024 for 50% off as a podcast listener.

Discover how to manage money when you have ADHD - watch a Live Money Clearing Financial Coaching demo video

My Personal Financial Adviser Paradox

• How I spent years giving brilliant financial advice whilst being unable to follow it myself
• Why excess money never felt safe to hold - everything above day-to-day needs felt dangerous
• The realisation that it wasn't about willpower, knowledge, or self-control
• How inherited beliefs about money scarcity and "dirty money" from family arguments shaped my nervous system responses

Understanding Borrowed Beliefs - The Father Christmas Analogy

• Borrowed beliefs as gifts in Father Christmas's sack - given with love but not all serving us today
• How these beliefs often hold secondary gains and serve us in some way (usually safety)
• The importance of returning unused "gifts" with love and gratitude to break generational patterns
• Why changing our money relationship impacts every future generation

Where Inherited Money Scripts Come From

• Family dynamics and early childhood experiences (my Warwick Castle story about my brother losing £20)
• Religious and cultural influences on money beliefs
• Specific historical events our families lived through
• Personal money experiences that create lasting impressions
• The crucial question: "In my family, money was..."

The Three Predictable Patterns of Borrowed Beliefs

Low Receiving Pattern:

• Difficulty allowing money, opportunities, or compliments to come in
• Common beliefs: "Rich people are greedy," "Money corrupts people," "I don't deserve money"
• Shows up as: undercharging, deflecting compliments, turning down opportunities, feeling guilty about success
• My personal example of struggling with praise and awards

Low Holding Pattern:

• Brilliant at making money but terrible at keeping it
• Common beliefs: "Money disappears anyway," "Something bad happens when I have too much"
• Shows up as: impulsive spending after earning well, self-sabotage when successful, anxiety about bank balances
• Case study of my student hitting six-figure months then immediately booking lavish holidays

Low Giving Pattern:

• Fear-based hoarding rather than conscious saving
• Common beliefs: "I can't afford to be generous," "If I give, there won't be enough for me"
• Shows up as: difficulty investing in yourself, anxiety about spending on others, perpetual "rainy day" saving

The Family Money Tree Exercise

• How to map out your family's money patterns across generations
• Questions to explore: Was money talked about openly? Was it a source of arguments? Who controlled money?
• Common inherited phrases and their impacts:
  • "Money doesn't grow on trees" = scarcity programming
  • "Money's the root of all evil" = spiritual guilt around wealth
  • "We can't afford it" = limitation mindset
  • "Money doesn't buy happiness" = pacifist money story

The Generational and Cultural Context

• How survival strategies from the Great Depression or wartime still influence us today
• Different cultural approaches to wealth - celebration vs. modesty
• Gender dynamics between maternal and paternal money influences
• The historical context that made these beliefs necessary for survival

Conscious Choice and Legacy Work

• Recognising which beliefs served our families but no longer serve us
• The power shift from unconscious inheritance to conscious choice
• How this work creates transformation for coaches, therapists, and financial professionals
• The ripple effect of changing generational money patterns

Final Thought

This episode emphasises that changing our relationship with money isn't just personal work - it's legacy work that impacts every future generation. When we consciously choose which inherited beliefs to keep and which to lovingly release, we're not just transforming our own financial reality, we're changing the money story for generations to come.

Chapters

00:00 Introduction to Money Beliefs

02:10 The Impact of Family Money Stories

05:25 Understanding Borrowed Beliefs

08:32 Identifying Personal Money Experiences

11:57 The Blueprint of Money in Families

17:00 Patterns of Money Behavior

22:24 Mapping Your Money Tree

29:44 Choosing New Money Beliefs

 

Resources:

Get my FREE book 'It's Not About The Money'

Take the Money StoryTypes® Quiz

Sign up to my FREE Newsletter

Become a Certified Financial Coach

Get Investing with my course - Use code INVEST50OFF2024 for 50% off as a podcast listener.

Listen to the previous podcast episode - The Future Of Money and AI With Natalie MacNeil

Listen to the previous podcast episode - How Digital Currency Is Rewiring Our Money Mindset

In this episode, I share insights from my recent interview with UK-based global company Agon about the crucial link between mental health and money. Rather than offering quick fixes, I explore the deeper emotional landscape beneath financial anxiety and provide six key questions to help you understand what's really driving your money worries

Episode Highlights:

Understanding the Root of Money Worries

• Money itself isn't usually what we're worried about - it's what money represents
• Common underlying fears: relationship security, business stability, lifestyle changes, and team obligations
• How financial anxiety often stems from deeper meanings we attach to money
• The difference between surface-level money concerns and their emotional foundations

The Emotional Spectrum of Money

• My ladder metaphor: low-vibrational emotions at the bottom (shame, guilt, stress, anger) vs high-vibrational emotions at the top (gratitude, joy, happiness)
• Why jumping straight to gratitude practices doesn't work when you're experiencing financial shame
• The crucial middle step: acceptance of past decisions, inherited beliefs, and trauma patterns
• How the nervous system creates fight-or-flight responses to protect us from perceived financial threats

The Complexity of Money Shame

• Why shame is the hardest emotion on the spectrum to shift
• How shame creates a freeze response in the nervous system, leading to financial avoidance
• Recognising shame through language: the "shoulds" we place on ourselves ("I should be good with money," "I should be further ahead")
• The importance of compassionate acknowledgement without judgement

Money and Neurodiversity

• How traditional financial advice assumes neurotypical learning styles
• Specific challenges for neurodivergent individuals: impulse control, budgeting, long-term planning
• My personal ADHD experience: visual presentations, movement during money conversations, shorter but more frequent meetings
• The correlation between depression, anxiety, and financial avoidance

Beyond Traditional Financial Solutions

• Why practical solutions (budgets, investment plans) don't work without addressing underlying emotions
• The problem with control-based planning when control doesn't feel safe
• How impulsive spending patterns can sabotage investment strategies if safety concerns aren't addressed
• The importance of understanding emotional patterns before implementing financial tools

Professional Development for Coaches

• How coaches can support clients with money conversations without being qualified financial advisers
• The power of holding space for psychological exploration around money decisions
• Tools and frameworks for understanding the patterns behind financial behaviours
• My financial coach certification programme and free 40-minute training

Final Thought

This episode emphasises that healing our relationship with money requires understanding the emotional spectrum beneath our financial behaviours. Rather than bypassing difficult emotions to reach gratitude and joy, lasting change comes through accepting where we are, understanding our protective patterns, and working with our individual psychological makeup.

Chapters

00:00 Understanding Money Worries and Emotions

06:11 The Emotional Spectrum of Money

12:43 Navigating Mental Health and Money Conversations

Resources:

Get my FREE book 'It's Not About The Money'

Take the Money StoryTypes® Quiz

Sign up to my FREE Newsletter

Come to our Wealth Awakening Retreat

Become a Certified Financial Coach

Get Investing with my course - Use code INVEST50OFF2024 for 50% off as a podcast listener.

Watch the FREE masterclass here

Listen to The best way to plan your finances if you have adult ADHD

Listen to How to Manage Money in Business When You Have ADHD

Listen to (Money StoryTypes®) Money Shame & Emotional Spending

listen to my 1 Way To Overcome Money Shame

Episode Overview

In this follow-up episode to last week's conversation with Natalie MacNeil, I explore the psychological and emotional shifts required as we move into the digital currency era. Rather than focusing on technical aspects, this episode addresses the deeper questions about trust, safety, and completely rewiring how our brains think about money.

Episode Highlights:

The Physical vs Digital Money Mindset

• Our brains are hardwired to equate real money with tangible things we can hold and count
• Why Brits love property investing: it's "bricks and mortar" compared to US generations who prefer renting
• Digital currencies ask us to place value in mathematics and community consensus rather than government
• The challenge of trusting numbers on a screen that exist in cloud-based systems
• How our nervous system was designed to equate safety with things we can physically control

Understanding Digital Currencies Simply

• Digital currencies as numbers stored on a huge shared computer network
• Unlike bank account numbers controlled by one institution, these are verified by thousands of computers worldwide
• Bitcoin as "digital gold" - limited in supply and designed to hold value
• Ethereum as a digital platform for building applications and communities
• The key difference: controlled by mathematics and community, not governments or banks

The Generational Divide

• Personal story of 11-year-old son naturally gravitating toward digital wallets
• How younger generations view money as naturally existing "on a phone"
• Older clients who still prefer printed bank statements
• The comfort level with digital currencies often depends on how one grew up with technology

The Great Trust Transfer

• Examining where we've been placing our trust: banks as the "safe option"
• The 2008 financial crisis and recent bank failures like Silicon Valley Bank
• COVID money printing diluting the value of every pound in bank accounts
• The psychological shift from "the bank will look after my money" to "I am my own bank"
• Why trusting ourselves feels riskier than trusting institutions that have failed us

The Pearl Analogy from Gene Keys

• Richard Rudd's symbolism of the pearl as feminine metaphor for prosperity
• How pearls form from pressure and irritation, not perfection
• Wealth coming from responding with grace to challenges rather than ease
• Digital currencies as the "pearl" - transforming financial friction into something beautiful
• Moving from hoarding for ourselves to community and shared values

Practical Steps for Building Confidence

• Using AI to create personalised learning courses about digital currencies
• Starting with 2-3% portfolio allocation to learn gradually
• The challenge of getting advice from traditional financial advisors due to regulatory constraints
• Beginning with small enough amounts to sleep at night but large enough to genuinely learn
• Treating it like learning any new skill - expecting a gradual comfort-building process

Educational Resources

• Creating AI prompts to build beginner's guides tailored to individual situations
• Recommendation for Natalie McNeil's AI Dream Team course for entrepreneurs
• Catherine's book "It's Not About the Money" as foundational mindset work
• The Get Investing Course for beginner investors with 50% discount code INVEST50OFF2024

Final Thought

This transformation is about trust, not technology. We're living through one of the biggest shifts in how humans relate to money since moving away from the gold standard. The key is giving yourself permission to start learning gradually and allowing your nervous system time to adjust, just as it did with online banking.

Chapters

00:00 Rewiring Our Money Mindset

04:21 Understanding Digital Currencies

10:03 Generational Perspectives on Money

11:59 Trust and Financial Institutions

15:19 The Pearl Analogy: Transformation in Wealth

21:30 Practical Steps for Building Confidence

28:19 Trust Over Technology: A New Approach

Resources:

Get my FREE book 'It's Not About The Money'

Take the Money StoryTypes® Quiz

Sign up to my FREE Newsletter

Come to our Wealth Awakening Retreat

Become a Certified Financial Coach

Discover how to screen your investment portfolio with an ethical lens

Explore the AI Dream Team Course (Please note we are an affiliate for this course which means we may earn an affiliate commission for any purchases) I have personally invested and completed this course to help me save hours of time in my business.

Download your AI Prompt Playbook

Sign up to Natalie's Weekly Newsletter

Listen to podcast episode: Understanding your deep resistance to success through the lens of Gene Keys

Get Investing with my course - Use code INVEST50OFF2024 for 50% off as a podcast listener.

In this forward-thinking episode, I'm joined by Emmy award-winning media entrepreneur and futurist Natalie MacNeil to explore the radical transformation of money happening before our eyes. From decentralised finance to community wealth-building, we dive deep into what the future holds for how we earn, save, and invest.

The Dragonfly Metaphor

• Richard Rudd's story of the dragonfly as a metaphor for our current financial transformation
• Water nymphs living underwater with no concept of flying - representing our current understanding of money
• The biological impulse to climb up and transform into something completely different
• How we're about to experience a shift as dramatic as moving from water to flying through air

From Individual to Collective Wealth

• The shift from individual wealth-building to community-focused financial systems
• How AI, robotics, automation, and blockchain will converge to change everything
• The "zero cost margin scenario" - when robots can produce almost everything for nearly free
• Why community and focusing on "being human" becomes crucial as machines replace human labour

Decentralised Finance Revolution

• How fiat currency is backed by trust, not gold, creating vulnerability to government money printing
• The concept of being "your own bank" through decentralised finance
• Smart contracts replacing traditional intermediaries like bankers and lawyers
• Decentralised Autonomous Organisations (DAOs) returning power to communities
• Real examples already happening: Tesla robo-taxis that can work and earn money autonomously

New Forms of Wealth Creation

• Why future wealth won't come from jobs but from owning the machines and AI doing the work
• Capital ownership becoming more crucial than ever
• Examples of productive digital assets and cryptocurrency staking
• The importance of creating a "low burn digital life" with location independence

Portfolio Allocation and Risk Management

• Natalie's 15% crypto allocation vs traditional financial advice of 2-3%
• The importance of age and risk tolerance in allocation decisions
• Warning against valueless meme coins and alt coins without real utility
• Focus on coins with genuine technology and long-term value propositions

Values-Based Investing in Digital Assets

• Screening investments for environmental impact and sustainability
• Using AI tools to analyse portfolio alignment with personal values
• The concept of money as "a prayer" - investing with sacred intention
• Gradual transition rather than wholesale portfolio changes

Practical Implementation Strategies

• Using AI to create personalised financial education courses
• Building custom GPTs as investment advisors with daily market updates
• Incorporating emotional forecasting and fear/greed index monitoring
• The tokenisation of real-world assets like property for easier transactions

Preparing the Next Generation

• How financial education will be radically different in five years
• Teaching children about digital assets and decentralised systems
• The importance of understanding both traditional and future financial systems

Final Thought

This transformation requires both practical preparation and spiritual growth. As robots free up human time, we must explore deeper questions about purpose, abundance, and what it means to be human. The future is moving from scarcity to abundance - but only for those who prepare and adapt.

Chapters

00:00 Introduction to the Future of Money

02:52 The Dragonfly Metaphor: Transitioning to New Realities

05:48 From Individual Wealth to Collective Wealth

09:07 The Role of Community in the Future Economy

12:01 Decentralized Finance: A New Financial Paradigm

15:02 Opportunities and Risks in the New Financial Landscape

18:02 Capital Ownership and the Rise of AI

20:46 Investing in the Future: Strategies for Success

23:59 Navigating Risks in the Digital Age

27:14 Understanding Cryptocurrencies: A Beginner's Guide

35:35 The Concept of VisionCoin

38:04 Investing in Decentralized Finance

40:50 Ethical and Values-Based Investing

42:40 Tokenization of Assets

44:52 Practical Steps for Ethical Investing

50:02 Leveraging AI for Financial Education

56:27 The Emotional Aspect of Investing

01:00:29 Preparing for a New Financial Paradigm

Resources:

Get my FREE book 'It's Not About The Money'

Take the Money StoryTypes® Quiz

Sign up to my FREE Newsletter

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