It's Not About The Money

In this conversation, I explore the intricate relationship between money and emotions, emphasising how our financial behaviors are influenced by attachment styles, internal conflicts, inherited beliefs, and systemic issues. I discuss various books that have shaped my understanding of these connections, highlighting the importance of recognising the emotional and psychological aspects of money management. Chapters 00:00 Understanding Money and Emotions 02:45 Attachment Theory and Money 06:01 Internal Conflicts and Money Behavior 11:05 Inherited Patterns and Money Beliefs 17:38 The Concept of Enoughness 21:07 The Role of Systems in Financial Behavior Resources: Join the Money Circle - Our free monthly calls Discover The Body of Wealth BOOKS MENTIONED: 1. Attached, by Amir Levine & Rachel Heller (2010) 2. No Bad Parts, by Richard Schwartz (2021) 3. It Didn't Start With You, by Mark Wolynn (2016) 4. The Power of Enough, by Elizabeth Husserl (2025) 5. Conscious Capitalism, by John Mackey & Raj Sisodia (2013) Plus: It's Not About the Money: 3 Steps to Become a Wealthy Woman, by Catherine Morgan  

In this episode, Catherine is joined by Jesse Mecham who shares insights from his journey with money, the importance of understanding what money is for, and how to develop a healthy relationship with it through a simple yet powerful question: 'What is it for?' Discover practical frameworks and personal stories that can transform your approach to money.   Chapters 00:00 Introduction: Why Money Is More Than Numbers 01:07 Jesse's Journey: From Basement Spreadsheet to YNAB 02:20 Early Money Memories and Realizations 04:45 Money as a Skill: Learning to Swim 06:35 Aligning Money Decisions with Values 08:23 Money as a Reflection of Self 13:03 The Power of the Question: What's It For? 17:00 The Framework of Five Money Pots 23:22 Decentralization and Trust in Money 33:59 Legacy and Personal Purpose in Money Resources: Join the Money Circle - Our free monthly calls About Jesse Mecham: Jesse Mecham is the founder of the beloved money app YNAB, bestselling author, and host of the top-rated podcast The Jesse Mecham Show. As seen in WIRED, Fortune, and The New York Times, Jesse is a leading voice in the personal finance space. He has helped millions of people get good at money and never worry about money again. He lives in Utah with his wife and family. Pre-Order your copy of Never Worry About Money Again Try YNAB free for one month

In this conversation, I explore the multifaceted relationship individuals have with money, emphasising the importance of understanding the different parts of oneself that influence financial behavior. I encourage listeners to shift from a fixed identity of being 'good' or 'bad' with money to recognising the various parts that contribute to their financial decisions. By fostering self-compassion and curiosity, individuals can navigate their financial patterns more effectively and create a healthier relationship with money.   Chapters 00:00 - You are not bad with money 03:15 - Why old money patterns keep repeating 05:30 - Three money parts you may recognize 09:23 - How to respond with curiosity instead of shame Resources: Join the Money Circle - Our free monthly calls  

Have you ever been asked what you charge, and felt something happen before you had even said the number? That half a second where your mind is already running. Is that too much? Is it not enough? What will they think of me? If you know that feeling well, you are in very good company. This is part two of the Love and Money Series, and today I explore the fear of being paid what you are worth. It shows up most for us as sole traders, because when the business is you, being paid can feel deeply personal. But the fear is rarely about the number itself. It is about the meaning we have attached to it. In this episode I walk through the five ways this fear shows up: Overdelivering to feel you have earned the right to be paid Dropping your price before anyone has even asked Rushing or softening the number as it leaves your mouth Overexplaining and justifying your fee Avoiding naming a price at all Chapter Timestamps: 00:12 Introduction to the Fear of Pricing 02:50 Understanding Personal Value in Pricing 05:27 Signs of Fear in Pricing Conversations 10:49 The Impact of Undercharging 14:08 Shifting Mindsets: From Sole Trader to CEO 15:54 Practical Steps to Embrace Your Worth We look at the resentment cost of undercharging, the shift from sole trader to CEO of your own business, and the questions that opens up. What does the business need to run profitably? What is the market willing to pay for the result I create? What is the cost of undercharging? And I leave you with one practice for this week. Say your price, then pause. Don't soften it. Don't explain it. Just sit with it, and notice what arises in your body. This is my fee. I am allowed to be paid for the work I do. It is safe for me to receive. Because being paid what you are worth rests on a much bigger question underneath the number: whether you believe you are allowed to receive, and whether you can hold your price steady enough for someone else to trust it. So carry this with you. What do you make money mean, in the moment when someone offers to pay you for your work? A lot of this work is about worthiness, boundaries, people pleasing, and inner worth. If you would like a safe space for these deeper conversations, come and join us in the Money Circle. It is our free online community, with a monthly newsletter of resources and a live monthly call where we hold space for exactly this. Head to https://themoneypanel.co.uk/newsletter and you will receive an invite for the next circle call in your welcome email. If you missed part one of the Love and Money Series, on why love and money are so deeply connected, listen to that first. Watch this episode on YouTube: https://yt.openinapp.co/op9cg Much love, Catherine x    

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 Lead Generation Numbers: How many leads monthly from each source (word of mouth, Instagram, networking) Lead to Sales Call Conversion: Aiming for baseline 50% conversion rate Sales Call Conversion Rates: Most entrepreneurs guess these numbers rather than tracking accurately Revenue vs. Profit Focus: Focusing on profit margins rather than just revenue figures 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 One target market - you can't serve everybody without serving nobody One problem solved - going deep rather than wide, partnering with others for different solutions One offer - mastering one thing completely rather than multiple offerings One platform - I chose LinkedIn and became top 30 money content creator in UK within 90 days 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 Audit your offerings - what can you cut that's not bringing joy or revenue? Check your nervous system - is success feeling safe? Address money stories holding you back Apply the Rule of Five - where can you simplify across all five areas? 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