Changing Childhood Money Beliefs for Adult Success

In this episode of The D Shift, Mardi Winder is joined by Julia Shteynberg, a seasoned money coach who specializes in helping high earners transform their relationship with money. Julia opens up about her transition from the fast-paced world of corporate finance to her role as a money coach, a move sparked by her desire to support women and high achievers as they navigate personal finance with greater confidence and alignment with their values.Their conversation breaks down common misconceptions about what it means to be a high earner and highlights that one doesn’t need to be a billionaire to start thinking critically about personal wealth. Julia shares that even those earning over $100,000 often struggle with financial anxiety, lifestyle creep, and feelings of scarcity, despite their apparent abundance. The episode explores how early family dynamics and cultural influences shape individual money habits and beliefs, sometimes leading to avoidance or fear-based decision-making in adulthood.Mardi and Julia explore the importance of intentionality in financial choices, whether someone is navigating the tumult of divorce, looking ahead to retirement, or simply striving for stability. Julia emphasizes the power of building simple, intentional money systems that create clarity and security and help clients move from a reactive stance to one of proactive self-care. The discussion touches on emotional triggers related to money and how these can be reframed to support healthier behaviors and peace of mind, regardless of life’s circumstances.Throughout the episode, Julia’s approachable style and practical advice for reflecting on your own financial story and challenging your inherited beliefs about money and wealth. Her message is clear and reassuring: financial empowerment starts by acknowledging your relationship with money and making conscious choices that support both your present and future well-being.About the Guest:Once in corporate finance, now a money coach, Julia Shteynberg helps high earners design a custom money system that aligns with their values and grows wealth. Through her Money Makeover program, she empowers women to manage their money with confidence and ease. Outside of talking money, Julia loves to explore the world, eat good food, drink good wine with her husband, and practice Pilates!For Julia’s gift: https://www.moneycoachjulia.com/emailTo connect with Julia:Website: www.moneycoachjulia.comLinkedIn: https://www.linkedin.com/in/juliashteynberg/Instagram: https://www.instagram.com/juliashteynberg/About the Host: Mardi Winder is an ICF and BCC Executive and Leadership Coach, Certified Divorce Transition Coach, Certified Divorce Specialist (CDS®) and a Credentialed Distinguished Mediator in Texas. She has worked with women in executive, entrepreneur, and leadership roles, navigating personal, life, and professional transitions. She is the founder of Positive Communication Systems, LLC, and host of Real Divorce Talks, a quarterly series designed to provide education and inspiration to women at all stages of divorce.Are you interested in learning more about your divorce priorities? Take the quiz "The Divorce Stress Test".Connect with Mardi on Social Media:Facebook - https://www.facebook.com/Divorcecoach4womenLinkedIn: https://www.linkedin.com/in/mardiwinderadams/Instagram: https://www.instagram.com/divorcecoach4women/Youtube: https://www.youtube.com/@divorcecoach4womenThanks for Listening!Thanks so much for listening to our podcast! If you enjoyed this episode and think that others could benefit from listening, please share it using the social media buttons on this page.Do you have feedback or questions about this episode? Leave a comment in the section below!Subscribe to the PodcastIf you would like to get automatic updates of new podcast episodes, you can subscribe to the podcast on Apple Podcasts. You can also subscribe in your favorite podcast app.Leave us an Apple Podcast ReviewRatings and reviews from our listeners are extremely valuable to us and greatly appreciated. They help our podcast rank higher on Apple Podcasts, which exposes our show to more awesome listeners like you. If you have a minute, please leave an honest review on Apple Podcasts.