143. How money, identity, and values shape true wealth with Natallia Smith

If you want to understand what courage really looks like when it comes to money, identity, and life transitions, this episode is for you.In this conversation, we meet financial adviser and business owner Natallia Smith, founder of TruWealth Advice, for a deeply human exploration of the quiet, often invisible courage women draw on every day.From migrating to Australia at 22 with no English and no safety net, to building a business that supports single women over 50 through divorce, loss, retirement, and reinvention—Natallia shares how values, identity, and lived experience shape the decisions we make… especially the hard ones.This episode goes far beyond money. It explores why women delay seeking financial advice, how fear and bias quietly influence choices, and what happens when courage isn’t loud or dramatic, but steady, values-led, and deeply personal.You’ll hear about ethical courage in business, the emotional weight of financial truth-telling, the link between identity shifts and money decisions, and why confidence doesn’t come before action—it’s built through it.If you’ve ever avoided a financial conversation because it felt uncomfortable, questioned whether you “should know more by now,” or felt the ground shift beneath you during a major life change… this episode might be exactly what the doctor ordered. Key takeaways:o   Why women delay financial decisions even when they know something needs to change.o   What it takes to tell the truth when the answer isn’t what someone wants to hear.o   How migrating, starting over, and rebuilding identity shape our relationship with money.o   The hidden link between values, courage, and the decisions we avoid the longest.o   What makes a woman feel safe when talking about money.o   Why confidence with money is built after action, not before it.o   What shifts when women stop judging themselves for what they “should” know. Find out more or get in touch with Natallia:Website: TruWealth Advice    Instagram: @truwealthadvice    Facebook: TruWealth Advice     LinkedIn: Natallia Smith     COURAGEOUS ME – THE BOOK Grab your copy of Courageous Me – The courage to turn someday into today.  Where to find me: Website: Kim Payne   LinkedIn: Kim Payne Instagram: @iamkimpayne  Facebook: KimPayneBiz   COURAGEOUS SHIFTWant to make the impact you know is possible without having everything figured out? Get access now to The Courageous Shift – a FREE 90 min audio mini-series to work out your next move. Want to get clear on your next steps in your business or career?Book a FREE 45 min Call to Action to help you get to the starting line.  More about Natallia:Natallia Smith is all about empowering women and redefining wealth. As a financial adviser, mentor, and advocate for women rewriting their next chapter, she specialises in helping single women over 50 feel safe and confident with their money through tailored, empathetic advice.With over 20 years of experience, a background in psychology, and a deep understanding of life’s transitions, she guides clients through the complex and emotional side of finance—from separation and retirement to inheritance and reinvention. Whether it’s in a client meeting, a community centre, or a national conference, she brings strategy, integrity, and heart to every conversation. Because she knows financial security is more than numbers—it’s peace of mind, freedom, and the confidence to say, “I’m going to be okay.” Natallia works with women who:✔ Are navigating separation, divorce, or widowhood and need financial clarity✔ Are preparing for retirement and want financial security✔ Have received an inheritance or financial settlement and need guidance✔ Want to work with a trusted adviser who understands their unique needs