Money Healing Club Podcast

🟢 What can chakras teach you about money? w/ Jessica Boots

EPISODE SUMMARY
What if your body holds the key to healing your relationship with money? In this episode of The Money Healing Club Podcast, Rachel speaks with Jessica Boots, author of "It's All Connected: an interactive leadership and healing journey through the chakras". We explore how the seven chakras can guide us through our money healing journey, as well as our leadership. From root chakra security up to crown chakra wisdom, we unpack how each energy center shows up in our financial lives, each center with its gifts and shadows.
 
Key Takeaways:
Your money challenges might show up differently in each chakra - from root chakra fear to sacral chakra guilt to crown chakra attachment
The framework works whether or not you believe in chakras - think of it as multiple ways of knowing
Each energy center has both gifts and shadows that affect how we handle money
Integration happens when we honor the wisdom of all parts of ourselves
 
About Jessica Boots: Jess is a writer, leadership coach, yoga teacher, and mama who founded Lead and Be Well. Her debut book "It's All Connected" guides readers through an interactive leadership and healing journey using the chakra framework.
 
⏰ EPISODE BREAKDOWN
01:30 | Root Chakra: Safety, Values & Your "Enough" Point How your foundation shows up in money decisions
07:00 | Sacral Chakra: Pleasure, Guilt & What You Deserve
Moving from "I need" to "I want" - and the guilt that follows
13:00 | Heart Chakra: Generosity, Grief & Financial Forgiveness When love-based money decisions create complicated feelings
20:30 | Third Eye: Trusting Your Financial Intuition Balancing data with body wisdom in money choices
 
📚 Resources Mentioned
"It's All Connected" by Jessica Boots
 
💬 Join the Conversation Have you ever noticed how different money decisions feel in your body? I'd love to hear about a time when your gut told you something different than mainstream advice! Click the big orange button and share your story: https://www.moneyhealingclub.com/podcast
 
🎧 Your next listen:
When budget culture meets diet culture with anti-diet dietician Leah Kern
 
💫 Use code PODCAST for 50% off your first month and start your money healing process!
https://www.moneyhealingclub.com/club
 
Full transcript: https://www.moneyhealingclub.com/podcast
 
🎙️We're a proud member of the Feminist Podcasters Collective where creators like me are uplifting diverse voices and driving meaningful change.

📢 How to Stop Reacting and Start Responding (Especially with Your Money)

EPISODE SUMMARY
When money stress sends you into complete panic mode, sometimes your logical brain knows everything is probably fine... it's a weird dual feeling that happens to all of us. In this episode of The Money Healing Club Podcast, Rachel explores the wild emotional rollercoaster of high-stakes money moments - like home renovations, real estate transactions, and banking delays - and introduces a powerful framework for moving from reactive panic to thoughtful response. Using Internal Family Systems (IFS) therapy, she guides you through understanding the different "parts" of yourself that show up during financial stress.
 
💬 "A part is feeling unsafe, but I'm not actually in danger when I look around. There's one aspect that is maybe triggering something from my past, but if I look around, I'm actually okay right now."
 
Key Takeaways:
Your financial stress response makes complete sense - money is always tied to safety
You have different internal "parts" (managers, firefighters) all trying to protect you in their own way
The goal isn't to silence these parts, but to lead from your essential self - the calm, compassionate center
You don't have to navigate financial stress alone - gather your support team
Sometimes the rush to get out of discomfort actually creates more problems
 
⏰ EPISODE BREAKDOWN
02:00 | Why House Money Feels Different: The unique emotional quality of real estate transactions and renovations
07:00 | Meet Your Internal Parts: Introduction to Internal Family Systems and your inner protective team
10:30 | The Manager Part: The organized, controlled part that wants to tamp down emotions
14:30 | The Firefighter Part: The reactive part that catastrophizes to prepare you for the worst
21:00 | Becoming Self-Led: How to respond instead of react from your essential self
 
📚 Resources Mentioned
1. Internal Family Systems (IFS) therapy model by Richard Schwartz
 
💬 Join the Conversation
Have you experienced this kind of financial panic spiral? What money situations send your nervous system into overdrive? Click on the big orange button on our site right from your phone or browser and let me know about a time when your money stress felt bigger than the actual situation. https://www.moneyhealingclub.com/podcast
 
🎧 Your next listen:
😲 Out of Nowhere? The Truth About ‘Surprise’ Expenses and How to Get Ahead
 
💫 Use code PODCAST for 50% off your first month and start your money healing process!
https://www.moneyhealingclub.com/club
Full transcript: https://www.moneyhealingclub.com/podcast
 
🎙️We're a proud member of the Feminist Podcasters Collective where creators like me are uplifting diverse voices and driving meaningful change.

🕔 Start here (Money healing isn’t what you think)

In this episode of The Money Healing Club Podcast, Financial Art Therapist, Rachel Duncan answers a listener's beautifully simple question "How do I get started? Is it too late to start? How many people are in the group?"
Rachel shares exactly what happens inside the Money Healing Club membership, addresses common fears about sharing money struggles in a group setting, and explains why her approach focuses on decreasing shame and increasing self-love rather than strict budgets and accountability. Listen in to form a clearer picture of what deeper money healing could look like.
💬 "You don't have to be perfect to start. No one is perfect. You just have to be curious enough to try a new approach to money." - Rachel Duncan
Key takeaways from the episode:
• The Money Healing Club doors are always open—no cohorts, start dates, or perfect timing required. We also have a course for private learning.
• Shame thrives in darkness; community and witnessing can be powerful tools for moving through money shame
• You're never required to share financial details or numbers in the Club. Only insights, struggles, and experiments
• Real change often comes from decreasing shame and increasing mindfulness rather than strict tracking or budgets
• The Club is small and growing, with 4-8 people typically joining live events
• ADHD or neurodivergence are welcomed and celebrated in the Club.
 
⏰ EPISODE BREAKDOWN
What's Inside the Money Healing Club [00:02:19 - 00:03:16] Rachel explains the membership structure: always-open doors, 2-3 weekly events, seasonal themes, gentle challenges, and recorded sessions for catch-up.
Is It Too Late to Start? [00:03:34 - 00:04:02] Addressing the fear that it's too late to begin money healing work, Rachel emphasizes that starting now still matters and it's never too late to improve your relationship with money.
Group Dynamics and Sharing Fears [00:04:42 - 00:06:14] Rachel tackles the biggest fear: having to share money problems in a group. She explains the gentle, no-pressure approach and how shame heals through witnessing others' experiences.
What the Club Is NOT [00:06:14 - 00:07:31] Important clarifications: not therapy, no investment advice, and surprisingly—budgets aren't the main focus.
📚 Resources Mentioned
• The Money Healing Club Membership - Main offering with open doors, live events, courses, and community
• 12 Week Roadmap to Money Healing Course - Standalone option for private, solo learning
• Quarterly Money Organizing Challenge - Seasonal intensive within the club
 
🎧 Your next listen:
How I Became a Financial Art Therapist
💫 Use code PODCAST for 50% off your first month and start your money healing process!
https://www.moneyhealingclub.com/club
Full transcript: https://www.moneyhealingclub.com/podcast
🎙️We're a proud member of the Feminist Podcasters Collective where creators like me are uplifting diverse voices and driving meaningful change.

💸 How to Channel Your Activism Into Your Money w/Jasmine Rashid

Ever feel caught between wanting to contribute to the greater good and wondering how you can actually afford to? In this episode of The Money Healing Club Podcast, Rachel sits down with Jasmine Rashid, author of The Financial Activist Playbook and a powerhouse in the impact investing world. Jasmine has helped shift billions of dollars away from harmful industries and toward social justice causes, all while navigating her own relationship with money under capitalism.
 
They dive deep into the reality of wealth hoarding, the power of community as a form of wealth, and how to redirect guilt-driven over-donating into sustainable activism. Plus, Jasmine shares why humor is her secret weapon for making finance and activism less scary and more accessible.
 
💬 "Nothing great has come from taking myself too seriously. The stakes are high, it's dire out here, and at the same time, we might as well make it as enjoyable as it can be under the systems we find ourselves in."
 
Key Takeaways:
Scarcity is manufactured - wealth hoarding by billionaires is the real problem, not your personal spending
Community wealth and social capital are just as valuable as financial capital
Over-donating from guilt often comes at the expense of your own wellbeing and sustainability
Pre-planning your giving budget helps you contribute without depleting yourself
Humor and lightness aren't frivolous - they're necessary for learning and healing money trauma
 
Guest Info: Jasmine Rashid is a New York-raised, Oakland-based Bangladeshi American financial activist, writer, and impact investing professional. She's a trauma of money methods certified practitioner and served as Director of Impact for Candide Group for six years.
This conversation felt like getting wisdom from a wise friend who's figured out how to do good in the world without sacrificing herself in the process. Jasmine's approach to financial activism is both practical and deeply human.
 
⏰ EPISODE BREAKDOWN
[03:30] The Reality of Wealth Inequality - Why focusing on billionaire hoarding (not your coffee habit) changes everything
[05:00] Community as Wealth - How social capital and authentic relationships create endless dividends
[10:30] The Over-Donating Trap - Redirecting guilt-driven giving into sustainable activism that doesn't deplete you
[16:30] Humor as Healing - Why laughing about money trauma helps us learn and grow (plus Jasmine's Dolly Parton trick)
 
📚 Resources Mentioned
1. The Financial Activist Playbook on Bookshop.org
2. Jasmin Rasheed's homepage
 
💬 Join the Conversation
Are you inspired to start your own financial activism? What have you shifted? What would you like to shift? We're collecting voice notes to feature on a future episode! Click on the big orange button on our site right from your phone or browser and let me know how you're navigating the balance between activism and your own financial wellbeing: https://www.moneyhealingclub.com/podcast
 
🎧 Your next listen:
Queer Finance & Anti-Capitalist Money Strategies with River Nice
 
💫 Use code PODCAST for 50% off your first month and start your money healing process! 
https://www.moneyhealingclub.com/club
 
Full transcript: https://www.moneyhealingclub.com/podcast
 
🎙️We're a proud member of the Feminist Podcasters Collective where creators like me are uplifting diverse voices and driving meaningful change.

🧠 Are you *Psychologically* prepared for Retirement? w/ Financial Therapist, John Hankins

What happens when the thing you've been working toward your entire career—retirement—suddenly feels more terrifying than exciting? In this episode of The Money Healing Club Podcast, Rachel sits down with John Hankins, a 73-year-old financial therapist who's not just studying retirement psychology, he's living it. After 35 years in IT, John reinvented himself as a financial therapist and brings both professional expertise and personal experience to help people navigate the psychological complexities of retirement.
They explore the anxiety of managing a larger pile of money than you've ever had to manage before, the identity crisis of "who am I if I'm not working?", and the complicated family dynamics that emerge when adult children are struggling financially while their retired parents sit on retirement savings.
💬 "We viewed our future-selves as strangers... what can we do to improve our relationship with our future self?" - John Hankins
Key Takeaways:
The 401k generation faces unique psychological challenges compared to the pension generation
Moving from "accumulation phase" to "withdrawal phase" requires a complete mental shift
Many retirees struggle with identity issues beyond just financial concerns
The concept of "future self" can help bridge the gap between present decisions and future needs
Intergenerational financial dynamics create complex guilt and boundary issues
Guest Info: John Hankins is a licensed clinical social worker and certified financial therapist who specializes in working with people navigating the psychological complexities of retirement. At 73, he brings the unique perspective of someone who has personally experienced the transition from accumulation to de-accumulation phase. You can find him at www.financial-therapy.me
⏰ EPISODE BREAKDOWN
04:30 | The 401k Generation's Unique Anxiety: Why managing a large pile of money for the first time creates unprecedented stress
14:00 | Identity Crisis in Retirement: Exploring "who am I if I'm not working?" and the psychological shift required
24:00 | The Future Self Concept: How UCLA research shows we view our future selves as strangers and what to do about it
33:00 | Intergenerational Money Dynamics: Navigating guilt, boundaries, and conflicting financial realities between generations
📚 Resources Mentioned
. John's YouTube channel on financial therapy topics
💬 Join the Conversation
Are you struggling to envision your future self or retirement? Click on the big orange button on our site right from your phone or browser and let me know what aspects of retirement psychology resonate most with you: https://www.moneyhealingclub.com/podcast
🎧 Your next listen:
If the intergenerational money dynamics in this episode got you thinking about family patterns, dive into "When Your Parents' Financial Trauma Becomes Your Money Mindset" to explore how childhood money experiences shape your adult financial behavior.
 
💫 Use code PODCAST for 50% off your first month and start your money healing process!
https://www.moneyhealingclub.com/club
 
Full transcript: https://www.moneyhealingclub.com/podcast
 
🎙️We're a proud member of the Feminist Podcasters Collective where creators like me are uplifting diverse voices and driving meaningful change.

👕 How to curate a wardrobe and stop impulse spending on clothes w/ stylist Kyla Brown

Does clothing hold a special place in your heart and wallet? In this episode of The Money Healing Club Podcast, Rachel explores the deeply emotional relationship between clothing, identity, and impulse spending with stylist Kyla Brown. This conversation goes beyond fashion tips to examine how our wardrobe choices reflect our inner journey of self-acceptance, belonging, and the difference between shopping for who we are versus who we fantasize being. Kyla shares her essential wardrobe checklist and transforms how you think about curating versus consuming.
 
💬 "Shopping is the act of: I'm just out here looking for things to buy. Curating is saying 'I'm building a collection of things that are going to serve me in some way, shape, or form'. When you shift it from being a pastime to a project, that's when you're curating." - Kyla Brown
 
About our Guest:
Guest info: Kyla Brown (it's Kyla not Kayla!) is a style coach who helps brilliant women create brilliant closets. She believes your style is an opportunity to integrate your whole self and works with clients to discover their authentic expression through intentional wardrobe curation.
Take the Style Archetype Quiz: https://www.itskylanotkayla.com/quiz
https://www.instagram.com/itskylanotkayla/
 
Key takeaways from the episode:
• Impulse spending on clothes often stems from looking to external items to tell us who we are, rather than making empowered choices form the inside-out
• Body acceptance is foundational to building a wardrobe that actually works for you, not a fantasy version of yourself
• Fast fashion has made clothing shopping about impulse and accessibility rather than functionality and intentionality
• Shopping should be approached as a project requiring research, not a pastime or emotional outlet
• It's empowering to leave stores empty-handed—practicing consent with your spending builds integrity with yourself: Repeat after me: "It's not in my plan to buy something today"
 
⏰ EPISODE BREAKDOWN
The Psychology Behind Clothing Impulse Spending [00:05:48 - 00:18:00] Rachel and Kyla explore why clothing is the most common impulse purchase category, examining how fast fashion, daily dressing habits, and identity formation create the perfect storm for emotional spending.
 
Fantasy Self vs. Authentic Self [00:15:25 - 00:20:37] Buying for who you wish you were versus who you actually are.
 
Body Acceptance and Wardrobe Building [00:18:39 - 00:21:06] Rachel shares her personal journey of moving from rejecting her changing body to embracing her hourglass shape, and how this acceptance led to better clothing choices that actually flatter her.
 
From Shopping to Curating [00:24:47 - 00:29:17] Kyla reframes the approach to acquiring clothes, moving from impulsive shopping sprees to intentional curation projects, including practical scripts for leaving stores without buying.
 
📚 Resources Mentioned
• Kyla's Essential Wardrobe Checklist: https://www.itskylanotkayla.com/closet-essentials-checklist
• Kyla's AI Styling Tool - personalized styling guidance bot trained on Kyla's expertise
• ThredUp - online thrift store for sustainable fashion finds: Get 45% off + free shipping on your first order: https://www.thredup.com/r/F6W8KE
• Rent the Runway/Nuuly - clothing rental services for special occasions
• Studio Ghibli soot sprites - Kyla's money creature visualization
 
💬 Join the Conversation 
How do you approach shopping for clothes? Is it impulsive or a curation? Click on the big orange button on our site right from your phone or browser and let me know [specific question related to episode] https://www.moneyhealingclub.com/podcast
 
🎧 Your next listen:  🧠When Your Brain Loves the Hunt: ADHD & Money (Collab with Everyone's Talkin' Money)
 
💫 Use code PODCAST for 50% off your first month and start your money healing process! 
https://www.moneyhealingclub.com/club
 
Full transcript: https://www.moneyhealingclub.com/podcast
 
🎙️We're a proud member of the Feminist Podcasters Collective where creators like me are uplifting diverse voices and driving meaningful change.

👉🏽You can choose to deeply love and accept yourself: Tapping for money healing w/ Sydney Harbosky

Do you feel numb or panicked when you even think about checking your bank account? If your body takes over when money topics come up, you're not alone - this might be financial trauma. In this episode of The Money Healing Club Podcast, financial therapist Rachel Duncan sits down with Sydney Harbosky, a certified EFT practitioner, to explore how Emotional Freedom Technique (also called "tapping") can help heal your relationship with money — BODY FIRST. Sydney guides us through what tapping is, how it works with your nervous system, and even leads us through a mini tapping session you can follow along with at home.
💬 "I was going to therapy. I'd have a coach. I was reading all the things and still something was stopping me from doing what I needed to do, and I was like, this has to be the body at this point." - Sydney Harbosky
Guest info:
Sydney Harbosky is a Certified EFT practitioner who helps people transform their relationship with money and creativity through tapping. She offers monthly sessions in the Money Healing Club and provides one-on-one support at sydneyharbosky.com.
⏰ EPISODE BREAKDOWN
What is EFT and How Does It Work? [00:02:00 - 00:07:00] Sydney explains how emotions are stored in the body and how tapping specific acupressure points while saying targeted phrases can change your emotional chemistry in real time.
Sydney's Journey to Tapping [00:07:00 - 00:12:00] Sydney shares how anger led her to discover grief, and how traditional talk therapy wasn't enough—she needed something that addressed what her body was holding.
Tapping for Money Healing [00:12:00 - 00:15:00] Discussion of how money triggers survival brain responses and why tapping is particularly effective for financial trauma and avoidance patterns.
Live Tapping Demonstration [00:15:00 - 00:23:00] Sydney guides Rachel (and listeners) through a mini tapping session focused on anxiety around checking bank accounts, including all the tapping points and healing phrases.
The Interview Process and Group Sessions [00:23:00 - 00:26:00] Sydney explains how she prepares for tapping sessions, using participants' exact words to activate their nervous system before introducing positive reframes.
Beyond Money: Other Uses for Tapping [00:26:00 - 00:29:00] Sydney shares how she uses tapping with creative blocks, working with artists and musicians when they know what they should be doing but something is stopping them.
🫴 Basic Tapping Points (in order):
Side of hand (the "karate chop" point) - Start here for setup statements
Top of head
Inside of eyebrows
Side of eyes (where your eyelids meet)
Under eyes (on cheekbones)
Under nose (tapping finger like a little mustache)
Under chin (tapping finger like a little mustache)
Collarbone (back to two hands)
Under one armpit (raise arm and use other hand to tap - about 4 inches down from pit)
Wrists together (cross your hands)
Pressure: Like tapping someone at a concert to get their attention—firm but not painful
Frequency: Tap, tap, tap, tap about twice per second (you can go faster or slower, whatever feels right)
💝 Sample Tapping Sequence for Money Anxiety:
Setup (side of hand): "Even though I feel anxious about looking at my account, I choose to deeply and completely love, accept, and forgive myself."
Tapping Points:
Top of head: "I have this tight feeling in my chest"
Eyebrows: "I don't want to look"
Side of eyes: "What if it's worse than I think?"
Under eyes: "I feel frozen just thinking about it"
Under nose: "I have so much shame around money"
Under chin: "I judge myself for avoiding it"
Collarbone: "I judge myself for avoiding it"
Under arm: "I judge myself for avoiding it"
Top of head: "Even though I judge myself for avoiding it, I choose to deeply and completely love, accept and forgive myself"
Positive Round:
Eyebrows: "I want to feel safe with money"
Side of eyes: "I'm open to more calm around money"
Under eyes: "And so it is"
📚 Resources Mentioned
Sydney Harbosky's website: sydneyharbosky.com
Instagram: @sydneyharbosky
Brad Yates (EFT practitioner mentioned) "I take full responsibility for my wellbeing."
Gala Darling (where Sydney discovered tapping and got certification)
C.S. Lewis quote: "I sat with anger long enough until she told me her real name was Grief"
The quote "grief is a physical process, not an emotional one" is often attributed to Christina Chipriano. She is a grief counselor and author who emphasizes the physical aspects of grief, according to the website Speaking Grief.
💬 Join the Conversation What money situations make your body go into panic mode? Leave us a voice mail and we can get Sydney pack here to design your tapping script! Leave us a voicemail at moneyhealingclub.com/podcast
🎧 Your next listen: S2 E15: 😶‍🌫️ Tax anxiety and what to do about it
💫 Monthly Tapping Sessions in the Money Healing Club Sydney leads monthly tapping sessions for Money Healing Club members, plus you get access to art therapy workshops, masterclasses, book club, and more. Join us at moneyhealingclub.com — no one is beyond help, and we'll see you there!
Use code PODCAST for 50% off your first month and start your money healing process - tapping included!
https://www.moneyhealingclub.com/club
Full transcript: https://www.moneyhealingclub.com/podcast
🎙️We're a proud member of the Feminist Podcasters Collective where creators like me are uplifting diverse voices and driving meaningful change.

👵🏽When Your Parents' Financial Trauma Becomes Your Money Mindset

How do you overcome a scarcity mindset when it was essential for your family's survival? In this episode of The Money Healing Club Podcast, financial therapist Rachel Duncan responds to a listener's question about breaking free from the scarcity scripts inherited from immigrant parents. Rachel explores how financial trauma gets passed down through generations and offers a step-by-step process for honoring your family's experiences while creating new money scripts that serve your present reality.
💬 "I'm doing money differently than my parents did, and that's okay because they raised me to be smart and watchful. I will always look out for my safety." - Rachel Duncan
Key takeaways from the episode:
Immigration often involves significant financial trauma that shapes family money scripts
Scarcity mindsets that were once survival mechanisms can become rigid identities
Rewriting money scripts should honor the original intent (safety) while allowing for growth
Financial healing isn't about rejecting your heritage but expanding what's possible
Recovery from financial trauma means integrating past challenges into a fuller life story
⏰ EPISODE BREAKDOWN
Understanding Financial Trauma [00:02:08 - 00:04:16] Rachel explains how financial trauma develops and manifests through fight, flight, freeze, or fawn responses in relation to money.
Common Scarcity Patterns in Immigrant Families [00:04:16 - 00:07:08] Exploration of typical money behaviors in immigrant families, including guilt around purchases, hypervigilance about being ripped off, and "take whatever you can get" mentality.
The Purpose Behind Family Money Scripts [00:07:08 - 00:08:54] Discussion of how family money scripts often come from a place of wanting to keep you safe, rather than just being arbitrary rules.
Step-by-Step Script Rewriting Process [00:08:54 - 00:16:30] Rachel walks through a detailed process for identifying, examining, and thoughtfully rewriting inherited money scripts to create flexibility while maintaining safety. [See below]
Examples of Transformed Money Scripts [00:16:59 - 00:19:15] Several examples of common limiting money beliefs and how they can be reframed into more supportive, flexible scripts that honor both safety and growth.
📝 Money Script Rewriting Process
Step 1: Identify Your Current Scripts Complete these prompts to uncover your inherited money beliefs:
Money is...
Income is...
Spending is...
Expensive things are...
Enough looks like...
Being "good with money" looks like...
Debt is...
Credit cards are...
Wealth is...
Step 2: Examine the Language
Circle one sentence that feels like a block to your growth
Identify absolute, extreme, or black-and-white words (never, always, don't, must)
Note words with moral judgment (bad, stupid, evil, greedy)
Step 3: Understand the Historical Context
Where did this script come from in your family's history?
What economic conditions shaped this belief?
How did this script help your family survive during challenging times?
Step 4: Identify the Protective Intent
What is this script trying to protect you from?
How was this belief meant to keep you safe?
What values does this script reflect?
Step 5: Rewrite with Flexible Language
Update the script for your current reality
Use words like: tools, learning, wisdom, flexibility, consideration
Center the script on your agency and choice
Maintain the core safety element
Allow room for growth and change
Step 6: Test Your New Script
Imagine saying your revised script to a loving elder
Notice if it brings a sense of relief in your body
The script should feel both honoring and liberating
 
💬 Join the Conversation (H3)
Do you have a family script about money that you'd like my help to workshop and re-write? Click on the big orange button on our site right from your phone or browser and let me know! https://www.moneyhealingclub.com/podcast
 
🎧 Your next listen: [H3]
 
Rachel and her husband discussing growing up with scarcity in USSR Ukraine
 
💫 Use code PODCAST for 50% off your first month and start your money healing process!
https://www.moneyhealingclub.com/club
 
Full transcript: https://www.moneyhealingclub.com/podcast
 
🎙️We're a proud member of the Feminist Podcasters Collective where creators like me are uplifting diverse voices and driving meaningful change.

🧠When Your Brain Loves the Hunt: ADHD & Money (Collab with Everyone's Talkin' Money)

How does your ADHD impact your financial life? In this collaboration of The Money Healing Club Podcast, with Everyone's Talkin' Money podcast, financial therapist Rachel Duncan sits down with Shari Rash, financial advisor and podcast host, to explore the unique challenges and surprising strengths that come with ADHD when managing money. Shari shares her personal experience as someone diagnosed with ADHD as an adult and how she's created systems that work with her brain, not against it.
 
💬 "I do this thing if I go to the store—I'll put the necessary stuff in one bag and then the extra stuff that I got on a whim in another bag. When I get home, I'm bringing the necessary bag into the house right away, and the other bag I'm keeping in my trunk. Depending on how long I keep it there tells me how much I really wanted it." - Shari Rash
 
Guest info:
Shari Rash is the co-host of Everyone's Talkin' Money podcast and a fiduciary financial planner at GWA Wealth who believes in holistic financial planning.
 
⏰ EPISODE BREAKDOWN
Understanding ADHD and Dopamine [00:04:00 - 00:09:00] Rachel explains how dopamine affects reward-seeking behavior and how this can manifest in impulse shopping and the "thrill of the hunt" when researching purchases.
 
Time Blindness and ADHD Tax [00:11:00 - 00:17:00] Discussion of how ADHD-related time perception issues can lead to financial penalties and the importance of using calendars and reminders as management tools.
 
Hyperfocus and Executive Function [00:17:00 - 00:24:00] Exploration of how hyperfocus can be both a strength and challenge when it comes to managing finances, and the importance of automation to overcome executive function difficulties.
 
The Importance of Support Systems [00:24:00 - 00:29:00] Why trying to manage money alone with ADHD can be overwhelming and the value of finding appropriate support systems.
 
Making Money Management Boring (In a Good Way) [00:33:00 - 00:39:00] Discussion about how finding your "sparkle" elsewhere and making money management intentionally boring can be a strategy for success.
 
📋 ADHD Facets: Challenges and Strengths with Money
Dopamine Processing
Challenges: Impulse spending, reward-seeking behavior, difficulty starting tasks that aren't immediately rewarding
Strengths: Excellent researchers when interested, ability to "deep dive" into financial topics, enthusiasm and creativity when engaged
 
Time Blindness
Challenges: Missing deadlines, late fees (the "ADHD tax"), difficulty planning for future financial goals
Strengths: Present-focused awareness, ability to be fully immersed in the moment, potential for creative solutions under pressure
 
Executive Function
Challenges: Difficulty managing multiple financial tasks, forgetting bills, struggling with complex financial systems
Strengths: Ability to simplify overly complex systems, finding unconventional solutions to problems
 
Hyperfocus
Challenges: Getting so absorbed in one financial aspect that others are neglected, difficulty switching tasks
Strengths: Incredible productivity and attention to detail when interested, ability to master complex financial concepts quickly
 
All-or-Nothing Thinking
Challenges: Setting unrealistic financial goals, giving up if perfect compliance isn't possible
Strengths: Ambitious goal-setting, thinking outside conventional financial wisdom
 
🛠️ Shari's Life Hacks for ADHD and Money
Time Blocking on Calendar: Schedule specific times for financial tasks, breaking them into realistic chunks to avoid overestimating what can be accomplished, and creatively celebrate completion.
Just Say No to Store Credit Cards: Create a firm personal rule to decline all store credit card offers regardless of the one-time discount, avoiding complexity and potential forgotten payments.
Simplify Banking: Keep accounts consolidated rather than creating multiple accounts that increase complexity. Focus on clear "why" behind any separation of funds.
The Return Bag Hack: When shopping, separate necessary purchases from impulse buys into different bags. Leave impulse purchases in the car trunk with the receipt—if you forget about them, return them!
To-Do List Ritual: Write down every task, even small ones, and experience the dopamine hit of crossing items off. Crumpling and throwing away the completed list creates a satisfying sense of closure. Tip: Make your first task "finish writing to-do list!"
 
📚 Resources Mentioned
Everyone's Talkin' Money Podcast
Listen on Spotify
Listen on Apple Podcasts
GWA Wealth (Shari's financial planning firm): gwawealth.com
 
💬 Join the Conversation 
Do you have ADHD? What money hacks have you found to help you manage money? We want to know and will make a follow-up episode! Click on the big orange button on our site right from your phone or browser and let me know [specific question related to episode] https://www.moneyhealingclub.com/podcast
 
🎧 Your next listen: 
😶‍🌫️ Tax anxiety and what to do about it
 
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https://www.moneyhealingclub.com/club
 
Full transcript: https://www.moneyhealingclub.com/podcast
 
🎙️We're a proud member of the Feminist Podcasters Collective where creators like me are uplifting diverse voices and driving meaningful change.

🗣️Why you REALLY argue with your partner about money, w/ Couples Financial Therapist, Ed Coambs

Why does your partner's stress surface as money worries? Why is it that one of you have more comfort about money topics and the other avoids it? It's actually all rooted in attachment styles. In this episode of The Money Healing Club Podcast, Financial therapist Rachel Duncan sits down with Ed Coambs CFP (R), LMFT, CFT-I TM, MBA, a fellow financial therapist and planner and author of "The Healthy Love and Money Way," to explore how your past relational experiences shape your money interactions, from fighting, to avoiding, to repair. We begins with a listener question about a spouse whose anxiety shows up through financial concerns, then we dive deep into creating healthier money conversations with your partner, and in addition, yourself.
 
💬 "Their past relational experiences are what's shaping their money interactions. It's not the actual money itself, it's the meaning and relational experiences tied to the money that's shaping their reaction." - Ed Coambs
 
Key takeaways from the episode:
 
Your approach to money conflicts is often rooted in childhood attachment patterns
There is no financial security without relational security, even for single people
Most people have never witnessed a loving money conversation modeled for them
How you enter and exit money conversations significantly impacts their success
 
Guest info:
Ed Coambs CFP (R), LMFT, CFT-I TM, MBA is a financial therapist and financial planner who founded Healthy Love and Money. He and his team helps couples understand their money in ways that strengthen connection and collaboration, and authored "The Healthy Love and Money Way."
 
⏰ EPISODE BREAKDOWN
The GREAT Framework for Money Conversations [00:05:40 - 00:17:00] Ed introduces his framework (Greet, Remember, Empathy, Attachment, Thank you) for approaching difficult money conversations with your partner.
 
Relational Rupture and Repair [00:17:00 - 00:25:00] How relationships cycle through states of relating, rupture, and repair, and why many couples get stuck at the rupture stage with money talks.
 
Understanding Attachment Styles [00:32:00 - 00:39:10] The four attachment styles (secure, anxious, avoidant, disorganized) and how they influence your financial behaviors and communication patterns.
 
Building Financial Security Through Relational Security [00:41:20 - 00:45:10] Why there can be no true financial security without first establishing relational security, both with yourself and your partner.
 
📚 Resources Mentioned
"The Healthy Love and Money Way" book by Ed Coambs
Take the attachment style & money quiz at healthyloveandmoney.com
Financial Therapy Association directory
Dr. John Gottman's research on relationships
"Why Won't You Apologize?" book (by Harriet Lerner)
 
💬 Join the Conversation
Have a story to share or question about money and relationships?! Please help me build a follow-up episode by leaving a voicemail! Click on the big orange button on our site right from your phone! https://www.moneyhealingclub.com/podcast
 
🎧 Your next listen:
Listen to Rachel and her husband discuss differences and similarities in their childhood financial experiences in S1 E6: 🌎How Culture Shapes Money: A Ukrainian Perspective
 
💫 Use code PODCAST for 50% off your first month and start your money healing process!
https://www.moneyhealingclub.com/club
 
Full transcript: https://www.moneyhealingclub.com/podcast
 
🎙️We're a proud member of the Feminist Podcasters Collective where creators like me are uplifting diverse voices and driving meaningful change.