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Explorez tous les épisodes du podcast The Financial Therapy Podcast - It's Not Just About The Money

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TitreDateDurée
#214 Cash on the Couch—Why Payment Is Part of Therapy06 Jan 202600:30:46

What if the way you pay is part of the therapy? Some psychoanalytic therapists ask for cash after each session—not for convenience, but because money itself reveals emotional truth. Forgetting to pay, overpaying, or haggling can uncover hidden dynamics worth exploring. Vessy explains how two sessions a week can go far deeper than one and why honest talk about fees is as essential as discussing feelings. When money enters the room, therapy gets real—and that’s where lasting change begins.

 #MoneyInTherapy #PsychoanalyticTherapy #FinancialTherapy #TherapyInsights #EmotionalDynamics #MoneyPsychology #TherapyProcess #BehindTheTherapyRoom #TherapeuticRelationship #HealingPatterns #DeepTherapyWork #MoneyMindset #EmotionalAwareness #TherapeuticChange #ExploringFeelings #TherapyConversation #MentalHealthPodcast #InnerWork #UnderstandingYourself #TherapyJourney 

A podcast that blends the nuts and bolts of financial advice with the emotions that drive our money decisions.
Join Rick Kahler, CFP®, CFT™, as he blends practical financial wisdom with the emotional insights that shape our choices. Discover how financial therapy can help you make money decisions that truly align with your values..

#213 The Moment the Brain Says “Oh… That’s Not True Anymore30 Dec 202500:31:39

Real change with money isn’t about willpower—it’s about the brain rewriting old rules. In this conversation, Rick and financial therapist Emily Shull explore how memory reconsolidation and IFS work together to transform money behavior. Emily explains the four elements of deep change and shares a powerful client story where a childhood belief about money secrecy dissolved, leading to honest communication instead of avoidance. It’s a clear, emotionally intelligent look at how understanding the brain can free us from outdated money patterns.

 #MoneyPsychology #FinancialTherapy #IFS #InternalFamilySystems #MemoryReconsolidation #BehaviorChange #MoneyMindset #EmotionalIntelligence #TraumaInformedFinance #MoneyHealing #WealthWellness #FinancialSelfAwareness #RewriteYourMoneyStory #Neuropsychology #BrainBasedChange #MoneyPatterns #FinancialGrowth #InnerWork #MoneyConsciousness 

A podcast that blends the nuts and bolts of financial advice with the emotions that drive our money decisions.
Join Rick Kahler, CFP®, CFT™, as he blends practical financial wisdom with the emotional insights that shape our choices. Discover how financial therapy can help you make money decisions that truly align with your values..

#204 Why Earning More Isn’t the Cure for Underearning26 Aug 202500:30:11

Joetta Johnson returns with Rick Kahler to dive deep into the emotional and subconscious roots of underearning. Sharing her personal transformation and the development of her “Earning Power” program, Joetta unpacks how limiting beliefs, especially those rooted in authority figures, time scarcity, and undervaluing oneself, can sabotage financial progress, even after income increases. She challenges the hustle narrative, emphasizing that true earning power includes the capacity to hold, not just generate, money. Through tools like hypnosis and time-mapping, Joetta helps clients rewire the subconscious mind to support sustainable financial growth. Her work bridges self-worth, wealth accumulation, and the emotional healing necessary to break free from old money patterns.

 #UnderearningRecovery, #EarningPower, #MoneyMindset, #WealthHealing, #BreakMoneyPatterns, #FinancialEmpowerment, #MoneyBeliefs, #SelfWorthAndWealth, #AbundanceMindset, #MoneyHealing, #WealthBuildingJourney, #RewriteYourMoneyStory, #FinancialGrowth, #MindsetAndMoney, #WealthMindsetCoach, #MoneyAndSelfWorth, #TransformYourEarnings, #SubconsciousRewiring, #MoneyMindsetMatters, #HealYourMoneyStory 

A podcast that blends the nuts and bolts of financial advice with the emotions that drive our money decisions.
Join Rick Kahler, CFP®, CFT™, as he blends practical financial wisdom with the emotional insights that shape our choices. Discover how financial therapy can help you make money decisions that truly align with your values..

#114 - Why Is It So Hard Discussing Money With My Partner?04 Jul 202300:26:20

Why is it so hard for many couples to talk about money? Rick’s guest, Debra Kaplan, dives into romantic relationships, some of the reasons that it becomes hard to discuss money and the ways that our childhood experiences influence our beliefs and behaviors about money.

A podcast that blends the nuts and bolts of financial advice with the emotions that drive our money decisions.
Join Rick Kahler, CFP®, CFT™, as he blends practical financial wisdom with the emotional insights that shape our choices. Discover how financial therapy can help you make money decisions that truly align with your values..

#113 – Is Workaholism and Over-Spending Hurting Your Coupleship27 Jun 202300:30:07

How many times have you heard yourself or your partner repeat these statements; “I’m passionate about work, that’s why I work long hours!” or, “I won’t be home late?” In this episode, Rick and Deb take on the topic of workaholism other money behaviors, beginning with work and shifting to compulsive shopping/spending. They explain the difference between being passionate about work and unhealthy work behaviors (workaholism), and shopping versus buying.

A podcast that blends the nuts and bolts of financial advice with the emotions that drive our money decisions.
Join Rick Kahler, CFP®, CFT™, as he blends practical financial wisdom with the emotional insights that shape our choices. Discover how financial therapy can help you make money decisions that truly align with your values..

#112 - The Shocking Challenge of the Financially Unequal Relationship20 Jun 202300:26:13

References to income and wealth inequality generally focus on how unevenly income and wealth are distributed throughout a population. The greater the gap between those at the top and the bottom, the more problematic it can be to the social health of a country. In a marriage or committed relationship, income and wealth inequality between partners also present some challenges that don’t exist where the partners are financial equals. One of the biggest stressors isn’t what you might think.

A podcast that blends the nuts and bolts of financial advice with the emotions that drive our money decisions.
Join Rick Kahler, CFP®, CFT™, as he blends practical financial wisdom with the emotional insights that shape our choices. Discover how financial therapy can help you make money decisions that truly align with your values..

#111– The Challenges of Aligning Our Money With Our Values13 Jun 202300:27:36

Bringing alignment of your stated values with your money is something I’ve been promoting for over 20 years. They don’t always align. It’s not unusual for a person to embrace a value that is not fully embraced in their spending. A person who is concerned about climate change and a strong proponent of individuals, corporations, and governments to “go green”, will avoid purchasing items like coffee in paper cups, tea bags, water in plastic bottles, aerosols, chlorine bleaches, using disposable cutlery from fast food restaurants, plastic bags, and or using oil-based transportation, which are some of the biggest sources of environmental damage.   

A podcast that blends the nuts and bolts of financial advice with the emotions that drive our money decisions.
Join Rick Kahler, CFP®, CFT™, as he blends practical financial wisdom with the emotional insights that shape our choices. Discover how financial therapy can help you make money decisions that truly align with your values..

#110 – Hidden Fees, Hidden Emotions06 Jun 202300:29:43

In his state of the union address, President Biden announced he is “taking on junk fees” which are the hidden fees involved with many of the services we purchase. Hidden fees and terms have been around a long time.  The old adage of, “Read the fine print,” is timeless advice.  I love the quote by Pete Seeger, American folk singer, “Do you know the difference between education and experience?  Education is what you get when you read the fine print; experience is what you get when you don’t.”  Let’s talk about those experiences.

A podcast that blends the nuts and bolts of financial advice with the emotions that drive our money decisions.
Join Rick Kahler, CFP®, CFT™, as he blends practical financial wisdom with the emotional insights that shape our choices. Discover how financial therapy can help you make money decisions that truly align with your values..

#109 – The Biggest Risk to a Senior's Financial Plan, Your Kids | Part Two30 May 202300:24:00

What can you and your children do to assure your financial plan won’t be sabotaged by family money scripts?  There are a number of steps to take and all require dealing with you and your children's emotional vulnerabilities.  Find out five specific steps that can guard against your financial plan going of the rails and sacrificing your emotional and financial wellbeing in your last years. 

A podcast that blends the nuts and bolts of financial advice with the emotions that drive our money decisions.
Join Rick Kahler, CFP®, CFT™, as he blends practical financial wisdom with the emotional insights that shape our choices. Discover how financial therapy can help you make money decisions that truly align with your values..

#108 – The Biggest Risk to a Senior's Financial Plan, Your Kids | Part One23 May 202300:22:55

What is the biggest risk to a senior parent that has just lost their spouse?  Even if they have a well-designed financial plan and the best financial planner possible in their corner, there is one factor that can deal them a knockout blow, their kids. Understand why your kids can pose one of the greatest threats to your final years.  

A podcast that blends the nuts and bolts of financial advice with the emotions that drive our money decisions.
Join Rick Kahler, CFP®, CFT™, as he blends practical financial wisdom with the emotional insights that shape our choices. Discover how financial therapy can help you make money decisions that truly align with your values..

#107 – An IFS View of “Stocks or Gambling”16 May 202300:26:37

Is investing in the stock market akin to gambling?  Certainly, investing in stock markets carry a reasonable amount of risk.  Unlike what some contend, that investing in the market is gambling, done correctly it is not remotely gambling.  The operative word is “done correctly.”  To understand this we need to understand the emotional differences between investing (done correctly) and speculating (done incorrectly).

Mixed & Edited by Next Day Podcast.

A podcast that blends the nuts and bolts of financial advice with the emotions that drive our money decisions.
Join Rick Kahler, CFP®, CFT™, as he blends practical financial wisdom with the emotional insights that shape our choices. Discover how financial therapy can help you make money decisions that truly align with your values..

#106 – The Elements of a Financially Intimate Coupleship09 May 202300:29:34

Rick talks with his guest, Debra Kaplan, about their collaboration that resulted in them writing, “Coupleship Inc: From Financial Conflict to Financial Intimacy.” They dive into some of the elements of a financially intimate coupleship and their unique perspectives that help couples successfully resolve their financial conflicts. This episode highlights topics such as Internal Family Systems (IFS)/parts work, money scripts, and money behaviors.

A podcast that blends the nuts and bolts of financial advice with the emotions that drive our money decisions.
Join Rick Kahler, CFP®, CFT™, as he blends practical financial wisdom with the emotional insights that shape our choices. Discover how financial therapy can help you make money decisions that truly align with your values..

#105 – Increase My Lifestyle 100 Percent? - Not Interested 02 May 202300:26:26

Often, the most logical and beneficial financial solutions are the absolutely most difficult to make, especially when there is a large emotionally charged component to them.  There are millions whose budgets are strained, they live paycheck to pay check, they are not saving money for retirement, and stress around money is an everyday occurrence.  In many of these situations, a simple move to a city like Rapid City, can increase a person’s lifestyle by 100% over living in San Diego. Yet most won’t even consider it.

A podcast that blends the nuts and bolts of financial advice with the emotions that drive our money decisions.
Join Rick Kahler, CFP®, CFT™, as he blends practical financial wisdom with the emotional insights that shape our choices. Discover how financial therapy can help you make money decisions that truly align with your values..

#203 What If You Built Your Career Around Feeling Aligned?12 Aug 202500:28:25

Rick Kahler sits down with Joetta Johnson to explore how designing a career around how you want your life to feel can lead to deeper fulfillment and authenticity. From her early days at Deloitte to becoming a pioneer in conscious financial coaching, Joetta’s story is a powerful reminder that clarity doesn’t always start with a job title—it starts with values. This inspiring conversation dives into how aligning your work with your inner life can reshape your relationship with money, purpose, and the path ahead.

#CareerDesign, #FinancialWellness, #MoneyAndMeaning, #JoettaJohnson, #ConsciousFinance, #LifeAlignment, #FinancialTherapy, #PurposeDrivenCareer, #MoneyMindset, #RickKahler

A podcast that blends the nuts and bolts of financial advice with the emotions that drive our money decisions.
Join Rick Kahler, CFP®, CFT™, as he blends practical financial wisdom with the emotional insights that shape our choices. Discover how financial therapy can help you make money decisions that truly align with your values..

#104 - Reducing Financial Anxiety with MMT25 Apr 202300:27:16

My son, Davin, age 21 recently asked me, “So what do you think about Modern Monetary Theory now?”  MMT has come under a lot of criticism recently given the huge spending bills, So why is MMT under fire by some as the primary cause of the high inflation rates?  Many politicians incorrectly interpret MMT as favoring the printing of currency with abandon by a government, with the notion that deficits don’t matter. Understanding MMT ties directly into reducing financial anxiety. Find out why. 

A podcast that blends the nuts and bolts of financial advice with the emotions that drive our money decisions.
Join Rick Kahler, CFP®, CFT™, as he blends practical financial wisdom with the emotional insights that shape our choices. Discover how financial therapy can help you make money decisions that truly align with your values..

#103 - Two Year Anniversary 18 Apr 202300:25:48

Rick takes a look back at the origins of the Financial Therapy Podcast, going behind the scenes as to how it came about, its format, some statistics, and considers what may be next. 

A podcast that blends the nuts and bolts of financial advice with the emotions that drive our money decisions.
Join Rick Kahler, CFP®, CFT™, as he blends practical financial wisdom with the emotional insights that shape our choices. Discover how financial therapy can help you make money decisions that truly align with your values..

#102 - Talking Couples Therapy, IFIO, IFS and Narcissism11 Apr 202300:25:27

Join a conversation on couples therapy with an emphasis on IFIO, IFS, and Narcissism with a former GGU student Louis Wellmeier, a former attorney whose role was adversarial, to an integrated financial planner whose role is to collaborate with his clients to make their lives better.  The session was taped as a part of my monthly “Talking Financial Therapy with Rick Kahler” office hours session.  

If you would like to join a free session with "Talking Financial Therapy with Rick Kahler", check out https://advanced-wellbeing.com/events/

A podcast that blends the nuts and bolts of financial advice with the emotions that drive our money decisions.
Join Rick Kahler, CFP®, CFT™, as he blends practical financial wisdom with the emotional insights that shape our choices. Discover how financial therapy can help you make money decisions that truly align with your values..

#101 – Bari Tessler – Tools of Transformation – Part Two04 Apr 202300:30:11

I’ve often repeated Jacob Needleman’s quote that money won’t give you meaning, but it’s impossible to find meaning without money.  In this segment, Bari brings this to life and will give you the path to connecting your money with your values and then the three steps to how to make good money decisions.  This segment is worth the price of admission, LOL!!

A podcast that blends the nuts and bolts of financial advice with the emotions that drive our money decisions.
Join Rick Kahler, CFP®, CFT™, as he blends practical financial wisdom with the emotional insights that shape our choices. Discover how financial therapy can help you make money decisions that truly align with your values..

#100 – Bari Tessler – Tools of Transformation – Part One28 Mar 202300:28:03

Bari Tessler talks about the tools she developed and first used for herself and then taught them to her clients.  We take time to go into depth on The Body Check-In and The Money Date and how to create a supportive and anxiety-free atmosphere to have even the toughest talks with money.  These are not “one and done” tools, but rather practices that when integrated with your life can be transformative. 

A podcast that blends the nuts and bolts of financial advice with the emotions that drive our money decisions.
Join Rick Kahler, CFP®, CFT™, as he blends practical financial wisdom with the emotional insights that shape our choices. Discover how financial therapy can help you make money decisions that truly align with your values..

#99– Bari Tessler - Doing Your Own Work21 Mar 202300:25:16

Bari Tessler is back with us this week where we discuss the importance of professionals in doing their own work and why that is a continuous practice, not a one-and-done event. We also discuss the challenges of certification, the future of the financial therapy profession, one of Rick’s money scripts, and why Bari is the consummate individualist.  

A podcast that blends the nuts and bolts of financial advice with the emotions that drive our money decisions.
Join Rick Kahler, CFP®, CFT™, as he blends practical financial wisdom with the emotional insights that shape our choices. Discover how financial therapy can help you make money decisions that truly align with your values..

#98 – Bari Tessler – Groups and Financial Therapy 14 Mar 202300:24:57

Bari Tessler, a somatic based financial therapist and author of “The Art Of Money” is my guest for this special four-part series. In this first conversation, Bari talks about the evolution of training consumers to creating groups where financial and healing professionals can find a safe space to explore their relationship with money, learn tools to use with clients, and how to support a sustainable practice.  

A podcast that blends the nuts and bolts of financial advice with the emotions that drive our money decisions.
Join Rick Kahler, CFP®, CFT™, as he blends practical financial wisdom with the emotional insights that shape our choices. Discover how financial therapy can help you make money decisions that truly align with your values..

#97 High EQ Can Lower Your Financial Planning Costs07 Mar 202300:28:42

Investors appear to have a poor grasp of the fee issue, failing to minimize fees even when the benefits are presented in a clear and incontrovertible disclosure. In fact, the mean fee paid by the participants was far enough above the minimum they could have paid that it dramatically reduced long-term gains. Why is this?  It doesn’t seem logical. It’s not about the money. There are three cognitive biases that may explain why consumers elect to pay more in unseen fees than in lower fees, even when both are clearly disclosed.  They are the Loss Aversion, Status Quo Bias, and The Ostrich Bias.

A podcast that blends the nuts and bolts of financial advice with the emotions that drive our money decisions.
Join Rick Kahler, CFP®, CFT™, as he blends practical financial wisdom with the emotional insights that shape our choices. Discover how financial therapy can help you make money decisions that truly align with your values..

#96 Rick, Are You Worth $1 Million28 Feb 202300:28:00

I was encouraging one of my 20 something friends at my gym to attend a workshop I was giving on investing and financial planning.  I quipped, “I’ll teach you how to be a millionaire.”  “Really?” she responded.  I quickly explained how if someone her age invested $6,000 a year in stocks for the next 7 years and then stopped, there would be a high probability she would have $1 million at age 65.  I didn’t anticipate her next question, “Are you a millionaire?” Listen now for my answer. 

A podcast that blends the nuts and bolts of financial advice with the emotions that drive our money decisions.
Join Rick Kahler, CFP®, CFT™, as he blends practical financial wisdom with the emotional insights that shape our choices. Discover how financial therapy can help you make money decisions that truly align with your values..

#95 NVC - A Tool To Help Make Better Financial Decisions21 Feb 202300:24:48

Non-Violent Communication teaches us to learn to hear our own deeper needs and those of others. Through its emphasis on deep listening—to ourselves as well as others—NVC helps us discover the depth of our own compassion. This language reveals the awareness that all human beings are only trying to honor universal values and needs, every minute, every day. Understanding our needs is directly tied to our financial decisions. Through the practice of NVC, we can learn to clarify what we are observing, what emotions we are feeling, what values we want to live by, and what we want to ask of ourselves and others. We will no longer need to use the language of blame, judgment or domination. We can experience the deep pleasure of contributing to each other's wellbeing, and in turn, making better financial decisions. 

A podcast that blends the nuts and bolts of financial advice with the emotions that drive our money decisions.
Join Rick Kahler, CFP®, CFT™, as he blends practical financial wisdom with the emotional insights that shape our choices. Discover how financial therapy can help you make money decisions that truly align with your values..

#202 Why Financial Breakthroughs Fade—And How to Make Them Stick29 Jul 202500:28:25

Have you ever had a breakthrough about money that felt like it changed everything—only to find yourself slipping right back into the same patterns days later? You’re not alone. In this video, Rick Kahler shares why those “aha” moments don’t always stick and what the latest brain science reveals about making lasting change. Drawing on insights from Unlocking the Emotional Brain, Rick explains how memory reconsolidation works and why slowing down after a breakthrough can help your brain actually rewrite old emotional money stories. Whether you tend to overspend, avoid financial conversations, or get stuck in anxiety, this is a practical invitation to protect those insights and give them space to take root.

A podcast that blends the nuts and bolts of financial advice with the emotions that drive our money decisions.
Join Rick Kahler, CFP®, CFT™, as he blends practical financial wisdom with the emotional insights that shape our choices. Discover how financial therapy can help you make money decisions that truly align with your values..

#94 I Just Lost My Job, What Do You Say Next14 Feb 202300:25:52

A reporter for a financial planning magazine recently asked me when a client loses their job, what emotional support should they expect from the planner? How can the planner best respond to the emotions of the client? What emotions can the planner expect to experience?  That’s something I have never pondered specifically, and I thought it might be interesting to explore. Let's just start from the most obvious what from the client's expectation. What type of emotional support are they expecting in this first conversation with the planner? 

A podcast that blends the nuts and bolts of financial advice with the emotions that drive our money decisions.
Join Rick Kahler, CFP®, CFT™, as he blends practical financial wisdom with the emotional insights that shape our choices. Discover how financial therapy can help you make money decisions that truly align with your values..

#93 - Money Scripts 2.0 - Part B07 Feb 202300:30:54

What are the hurtful financial behaviors driven by our Money Scripts and how can we modify those behaviors into ones that are healthy and supportive?  Most money scripts cannot be changed cognitively or with more information as they often are anchored emotionally.  Learn two ways that you can begin to understand the origin and intention of your, or your client’s, money scripts and how to begin the process of rescripting. 

A podcast that blends the nuts and bolts of financial advice with the emotions that drive our money decisions.
Join Rick Kahler, CFP®, CFT™, as he blends practical financial wisdom with the emotional insights that shape our choices. Discover how financial therapy can help you make money decisions that truly align with your values..

#92 – Money Scripts 2.0 - Part A31 Jan 202300:28:04

The concept of Money Scripts was coined by Drs. Ted and Brad Klontz and Rick Kahler in 2005 and first appeared in Conscious Finance – Uncover Your Hidden Money Beliefs and Transform the Role of Money in Your Life, co-authored by Rick Kahler and Kathleen Fox.  They have become common language in describing the underlying thoughts and beliefs a person has about money, that drive financial behaviors.  In this podcast, Rick updates listeners on his latest thinking of how money scripts form that differs from the original teaching. 

A podcast that blends the nuts and bolts of financial advice with the emotions that drive our money decisions.
Join Rick Kahler, CFP®, CFT™, as he blends practical financial wisdom with the emotional insights that shape our choices. Discover how financial therapy can help you make money decisions that truly align with your values..

#91 – One Example of the Power of IFS Informed Financial Therapy24 Jan 202300:23:23

In my experience, IFS Informed Financial Therapy is one of the more effective methodologies in helping clients resolve money issues. The power of the IFS protocol was demonstrated in my recorded conversation with Dr. Helen E. Lees, editor of PARTS & SELF, the international voice of the IFS Foundation. Because this was a type of interview with me, the session was not a normal IFS Session and did not follow the standard IFS protocol. It was more of a coaching session for Helen to showcase to the readers of PARTS & SELF what financial therapy in an IFS context looks like or to discuss what it is. However, even without the normal IFS protocol, the session highlights the powerful impact of applying the IFS process to money issues.

A podcast that blends the nuts and bolts of financial advice with the emotions that drive our money decisions.
Join Rick Kahler, CFP®, CFT™, as he blends practical financial wisdom with the emotional insights that shape our choices. Discover how financial therapy can help you make money decisions that truly align with your values..

#90 – Evaluating the Emotional Health of Your Media Diet17 Jan 202300:24:35

Consuming a diet of just one type of news bias can result in long-term damage to your financial and emotional wellbeing.  It can destroy relationships and making evidence based, reasoned, and informed financial decisions.  For example, selling out of the stock market or going all-in solely on one’s political beliefs and bias are almost always a recipe for financial disaster.  I’ve watched in time and time again over my 40 years of advising clients on their financial wellbeing.  Some of the financial consequences I’ve witnessed are heartbreaking.

A podcast that blends the nuts and bolts of financial advice with the emotions that drive our money decisions.
Join Rick Kahler, CFP®, CFT™, as he blends practical financial wisdom with the emotional insights that shape our choices. Discover how financial therapy can help you make money decisions that truly align with your values..

#89 - Transparency and Honest, Often Touted, Rarely Delivered10 Jan 202300:23:56

Transparency is a highly valued attribute that extends to individuals, businesses, and government.  It is often touted, routinely promised, and often undelivered.  How many political candidates have promised to be the most transparent office holder ever, only to actually deliver the complete opposite?  The same is true of companies and individuals, promising to be transparent only to deliver opaqueness.  When it comes to promising transparency, it often seems the more a person or company touts it, the higher the probability it will not be delivered.  Perhaps Shakespeare’s famous line from Hamlet, "The lady doth protest too much, methinks" is a fitting warning.

A podcast that blends the nuts and bolts of financial advice with the emotions that drive our money decisions.
Join Rick Kahler, CFP®, CFT™, as he blends practical financial wisdom with the emotional insights that shape our choices. Discover how financial therapy can help you make money decisions that truly align with your values..

#88 – Warp Speed Financial Transformation Using IFS03 Jan 202300:26:32

In my experience, IFS Informed Financial Therapy is one of the more effective methodologies in helping clients resolve money issues. The power of the IFS protocol was demonstrated in my recorded conversation with Dr. Helen E. Lees, editor of PARTS & SELF, the international voice of the IFS Foundation. Because this was a type of interview with me, the session was not a normal IFS Session and did not follow the standard IFS protocol. I’ve seen clients make progress much faster in resolving their money issues when financial therapy is combined with IFS, it still is normal that the process will take several months or longer. As with most therapy, there are not many “quick fixes.” That said, I was impressed with how quickly Helen worked through the whole process.

A podcast that blends the nuts and bolts of financial advice with the emotions that drive our money decisions.
Join Rick Kahler, CFP®, CFT™, as he blends practical financial wisdom with the emotional insights that shape our choices. Discover how financial therapy can help you make money decisions that truly align with your values..

#87 – The New Years Resolution That Actually Works 27 Dec 202200:25:09

Financial New Year’s resolutions are a common phenomenon this time of year—especially for anyone who overdid the holiday spending and who knows the new year is going to bring a new batch of credit card bills. Probably one of the most common financial resolutions is: “I’m going to make a budget and stick to it.” I’ve not written much on New Year’s Resolutions over my 30 plus years of writing a personal finance column.  Why?  Because “white knuckling” any meaningful behavioral change is rarely successful. 

A podcast that blends the nuts and bolts of financial advice with the emotions that drive our money decisions.
Join Rick Kahler, CFP®, CFT™, as he blends practical financial wisdom with the emotional insights that shape our choices. Discover how financial therapy can help you make money decisions that truly align with your values..

#86 – Celebrating This Christmas Like Scrooge20 Dec 202200:26:23

With all the supply chain chaos, inflation, and uncertainty in the economy, this year is a perfect time to celebrate Christmas in the manner of Ebenezer Scrooge. Am I suggesting you celebrate Christmas like a cold-hearted skinflint? After all, Ebenezer Scrooge is probably the most famous miser in literary history. With the current economic uncertainty, most of us could logically support following his example of spending less, or even nothing, in uncertain financial times. 

A podcast that blends the nuts and bolts of financial advice with the emotions that drive our money decisions.
Join Rick Kahler, CFP®, CFT™, as he blends practical financial wisdom with the emotional insights that shape our choices. Discover how financial therapy can help you make money decisions that truly align with your values..

#85 – Talking Financial Therapy With Sonya Britt-Lutter – Part 2 13 Dec 202200:25:16

In Part 2 of Rick’s discussion with Sonya, they discuss trauma and its impact on a person’s financial decisions. Sonya will also reveal the common denominator a person that suffers a significant loss in their lives is resiliency. The answer took Rick by complete surprise.

A podcast that blends the nuts and bolts of financial advice with the emotions that drive our money decisions.
Join Rick Kahler, CFP®, CFT™, as he blends practical financial wisdom with the emotional insights that shape our choices. Discover how financial therapy can help you make money decisions that truly align with your values..

#201 Creating Brave Spaces and Celebrating Big Hearts15 Jul 202500:28:06

Rick Kahler and Partha Iyengar dive into a heartfelt conversation about creating brave spaces to explore money, culture, and personal growth. From Mumbai to the world, Partha shares powerful insights about financial freedom, the contradictions in money worship, and the emotional stories that shape our financial behaviors. With passion, a big heart, and boundless energy, Partha inspires us to think deeper about the role of money in our lives and how understanding our money scripts can lead to true independence and security. 

A podcast that blends the nuts and bolts of financial advice with the emotions that drive our money decisions.
Join Rick Kahler, CFP®, CFT™, as he blends practical financial wisdom with the emotional insights that shape our choices. Discover how financial therapy can help you make money decisions that truly align with your values..

#84 - Talking Financial Therapy with Sonya Britt-Lutter - Part One06 Dec 202200:29:07

Rick talks with Sonya Britt-Lutter who is one of the pioneers of financial therapy.  Sonya was the first “real” financial therapist I knew of to have formal training in financial planning and therapy.  Listen to her journey to becoming a founder of financial therapy, which included her turning down a position with Rick, getting a doctorate in financial planning, and becoming the first president of the Financial Therapy Association. 

A podcast that blends the nuts and bolts of financial advice with the emotions that drive our money decisions.
Join Rick Kahler, CFP®, CFT™, as he blends practical financial wisdom with the emotional insights that shape our choices. Discover how financial therapy can help you make money decisions that truly align with your values..

#83 - Are Buyers Really Liars29 Nov 202200:23:38

Tyler and Kristen wanted a modern four-bedroom house with a three-car garage within their price range.  They bought a 75-year-old three-bedroom fixer upper with a one car garage that was over their price range. Real estate agents have a saying that “buyers are liars.”  Are they really, or was there something deeper, more emotional driving their decision?

A podcast that blends the nuts and bolts of financial advice with the emotions that drive our money decisions.
Join Rick Kahler, CFP®, CFT™, as he blends practical financial wisdom with the emotional insights that shape our choices. Discover how financial therapy can help you make money decisions that truly align with your values..

#82 - Breaking Out of Your Financial Comfort Zone22 Nov 202200:28:27

The “what would people think” money scripts are often externally driven and very cultural. We tend to associate with and live near people who mirror our financial circumstances and money scripts. Such a “financial comfort zone” is shared by people who tend to have similar incomes, lifestyles, spending and savings habits, and beliefs about money.

A podcast that blends the nuts and bolts of financial advice with the emotions that drive our money decisions.
Join Rick Kahler, CFP®, CFT™, as he blends practical financial wisdom with the emotional insights that shape our choices. Discover how financial therapy can help you make money decisions that truly align with your values..

#81 Emotional Challenges to Leaving Unequal Amounts to Children 15 Nov 202200:26:21

It’s not very often that I read an estate plan that treats children unequally. In estate planning, “equal” isn’t necessarily the same as “fair”.  Even when siblings agree that an unequal distribution is fair, they may feel a lot of internal resistance, even though they may be unable to articulate the reasons, which can be as numerous as the stars and would take a book to cover.  The important thing to acknowledge is that the emotions behind the reasons are not trivial but rather important and should not be dismissed or minimized.

A podcast that blends the nuts and bolts of financial advice with the emotions that drive our money decisions.
Join Rick Kahler, CFP®, CFT™, as he blends practical financial wisdom with the emotional insights that shape our choices. Discover how financial therapy can help you make money decisions that truly align with your values..

#80 Financially Motivated Suicide08 Nov 202200:26:52

Recently, I wrote a column and did a podcast on the personalities that tend to invest in crypto.  This article was the genesis of a conversation with some of my peers about the recent crypto meltdown. One emailed me an article that forms on Reddit were posting suicide prevention phone numbers, “  He ended his email with, “Suicide prevention hotlines…Wow…” Join me for an exploration of financially motivated suicide.

https://thefinancialtherapypodcast.com/

A podcast that blends the nuts and bolts of financial advice with the emotions that drive our money decisions.
Join Rick Kahler, CFP®, CFT™, as he blends practical financial wisdom with the emotional insights that shape our choices. Discover how financial therapy can help you make money decisions that truly align with your values..

#79 - Raising Your Fees - It's Not About The Money01 Nov 202200:26:06

Raising your fees or asking for a higher wage is fraught with emotions and money scripts.  I recently had to work at convincing a vendor to raise her hourly fee she charged me.  My concern was that I wanted to be sure I was paying her a market rate.  That meant a 20% hike in her hourly fee, which she was fearful of doing because she didn’t want to lose my business.  I should know, as I go through the same difficult emotions myself when I raise my fees. 

A podcast that blends the nuts and bolts of financial advice with the emotions that drive our money decisions.
Join Rick Kahler, CFP®, CFT™, as he blends practical financial wisdom with the emotional insights that shape our choices. Discover how financial therapy can help you make money decisions that truly align with your values..

#78 – Financial Therapist Faces 5 Near Bankruptcies – Concerned? 25 Oct 202200:24:28

How would you feel to find out your financial planner, financial coach, or financial therapist actually faced bankruptcy five times in their life?  Nervous?  Concerned?  Well, that’s exactly what I told the world in an interview that I did with Morey Stenner for MarketWatch.com,  Once I read the story, I had a few vulnerable parts of myself question if that was a good idea. 

A podcast that blends the nuts and bolts of financial advice with the emotions that drive our money decisions.
Join Rick Kahler, CFP®, CFT™, as he blends practical financial wisdom with the emotional insights that shape our choices. Discover how financial therapy can help you make money decisions that truly align with your values..

#77 - What Is Money, Really? - 15 Money Truisms18 Oct 202200:26:15

Money probably isn’t what you think it is, even though you think it may consume your thoughts and run your life.  In this episode I delve into 15 elements of money that may surprise you, anger you, or maybe relieve you.  Your understanding of money may never be the same again.

A podcast that blends the nuts and bolts of financial advice with the emotions that drive our money decisions.
Join Rick Kahler, CFP®, CFT™, as he blends practical financial wisdom with the emotional insights that shape our choices. Discover how financial therapy can help you make money decisions that truly align with your values..

#76 - The Vow of Poverty11 Oct 202200:24:22

The Vow of Poverty is a hurtful financial behavior wrapped in a cloak of looking good. Almost no one vows to exist in a state of poverty, which is not have enough money to meet basic needs of food, clothing and shelter.  The Vow of Poverty I am talking about is an intentional, conscious decision to minimize, even villainize, the importance of working for or accumulating money.  This behavior usually comes from two flavors: a righteous, holier-than-thou attitude that money corrupts, is bad, is evil, and that the morally superior askew it or that by doing the right thing the Universe or one’s Higher Power will provide all of one’s basic needs for life.  

A podcast that blends the nuts and bolts of financial advice with the emotions that drive our money decisions.
Join Rick Kahler, CFP®, CFT™, as he blends practical financial wisdom with the emotional insights that shape our choices. Discover how financial therapy can help you make money decisions that truly align with your values..

#75 - What Does Financial Wellbeing Look Like?04 Oct 202200:24:01

What is financial wellbeing?  It’s a question that was recently posed to me by a researcher based in Berlin.  I had a bit of a struggle initially defining it. I spend so much focus writing and talking a lot about what financial wellbeing isn’t, that I don’t often focus on the bullseye of the target.  

A podcast that blends the nuts and bolts of financial advice with the emotions that drive our money decisions.
Join Rick Kahler, CFP®, CFT™, as he blends practical financial wisdom with the emotional insights that shape our choices. Discover how financial therapy can help you make money decisions that truly align with your values..

#200 - The Boy Behind the Miser, a Child’s Trauma, an Adult’s Defense01 Jul 202500:25:17

Long before he became a miser, Scrooge was a lonely boy left behind at boarding school—forgotten, unwanted, and emotionally starved. In this IFS-informed exploration, Rick traces how those early wounds formed exiled parts burdened with shame and abandonment, which in turn gave rise to the controlling, isolated adult we meet in A Christmas Carol. Scrooge’s obsession with money, his cold demeanor, and his rejection of connection weren’t signs of greed—they were survival strategies. Through this lens, Dickens’ story becomes more than a tale of redemption—it’s a powerful look at how childhood trauma shapes adult financial behavior and how healing begins when we finally turn toward those long-forgotten parts.

A podcast that blends the nuts and bolts of financial advice with the emotions that drive our money decisions.
Join Rick Kahler, CFP®, CFT™, as he blends practical financial wisdom with the emotional insights that shape our choices. Discover how financial therapy can help you make money decisions that truly align with your values..

#74 - Is Financial Denial Bankrupting Your Coupleship27 Sep 202200:23:46

Why do so many people live in denial or avoidance, especially when it comes to money?  Because denial is a great place to be, especially when one partner becomes emotionally activated when the topic is broached by their partner.  Denial is a very effective tool used by our Protector parts to keep the wounded and Exiled parts of ourselves from having to feel unresolved pain. In a survey of 1,001 adults, 36 percent admitted that they avoided thinking about their financial difficulties.  Financial denial can show up in any coupleship, regardless of if they are financially successful or not. Denial can cause havoc in a coupleship and comes in two general varieties: when both partners are in denial and when one partner is in denial.

A podcast that blends the nuts and bolts of financial advice with the emotions that drive our money decisions.
Join Rick Kahler, CFP®, CFT™, as he blends practical financial wisdom with the emotional insights that shape our choices. Discover how financial therapy can help you make money decisions that truly align with your values..

#73 - Interviewing Your Money Scripts20 Sep 202200:21:23

Dr. Jacob Needleman, author of Money and the Meaning of Life, suggested that one of the first places to begin building good money skills is to examine all the opinions you have about money. He compared our beliefs about money to an antiques store, where occasionally you find a priceless treasure, but which most often is filled with junk. He contends that we need to open the contents of our minds and examine our opinions and beliefs about money, asking each one “How did you get in here?” Join Rick to learn exactly how you can do this.

A podcast that blends the nuts and bolts of financial advice with the emotions that drive our money decisions.
Join Rick Kahler, CFP®, CFT™, as he blends practical financial wisdom with the emotional insights that shape our choices. Discover how financial therapy can help you make money decisions that truly align with your values..

#72 Why Financial Therapy Fails – Part Two13 Sep 202200:27:36

Therapy doesn’t work for everyone. Research shows that therapy fails to benefit 25% to 50% of clients.   Of course, these findings suggest that 50% to 75% of people do benefit.  It makes sense the same is true of financial therapy.  These statistics piqued my curiosity to learn more about why financial therapy may fail. Are the reasons similar or are there differences?

A podcast that blends the nuts and bolts of financial advice with the emotions that drive our money decisions.
Join Rick Kahler, CFP®, CFT™, as he blends practical financial wisdom with the emotional insights that shape our choices. Discover how financial therapy can help you make money decisions that truly align with your values..

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