Money Healing Club Podcast

🥸 Subscriptions: too easy to ignore

Rachel answers a Club member question about organizing and letting go of unwanted subscriptions, providing three key methods: using an app like Rocket Money, an analog approach with spreadsheets and credit card statement reviews, and the 'nuclear option' of reporting a credit card as lost or stolen.
00:38 Listener Question: Managing Subscriptions
01:29 Practical Tips 
04:26 Using Apps to Track Subscriptions
05:19 Analog Methods for Subscription Management
06:18 The Nuclear Option: Canceling All Subscriptions
09:44 Join the Money Healing Club Challenge
My Gift To you: Subscription tracker: https://docs.google.com/spreadsheets/d/16RFQ3JGxyeBpKwWLav9cbLdy8m8xC27eGZGe371fzw8/edit?usp=sharing
🎧 Your next listen: 😲 The one thing you're forgetting [Out of the blue expenses]
🖐️Leave us a voicemail:  Click on the big orange button on our site right from your phone or browser and let me know https://www.moneyhealingclub.com/podcast
💫 Use code PODCAST for 50% off your first month and start your money healing process!
https://www.moneyhealingclub.com/club
🤑 Get my free email course on mindful spending: https://www.moneyhealingclub.com/challenge
Full transcript can be found here: https://www.moneyhealingclub.com/podcast
References:
Federal Trade Commission Announces Final “Click-to-Cancel” Rule Making It Easier for Consumers to End Recurring Subscriptions and Memberships, October 14, 2024: https://www.ftc.gov/news-events/news/press-releases/2024/10/federal-trade-commission-announces-final-click-cancel-rule-making-it-easier-consumers-end-recurring

📊 Can one spreadsheet change your life? [Club member Feature]

What happens when the financial stability you took for granted suddenly crumbles? How do you rebuild when debt and anxiety have you frozen in fear?
Rachel sits down with Money Healing Club member, Haley, who opens up about her rollercoaster relationship with money with self-employment. From comfortable college years to the unexpected struggles of entrepreneurship, Haley reveals how crushing debt and anxiety nearly derailed her life.
Haley shares the exact moment everything changed and how the Money Healing Club transformed her approach to finances. OUR SPREADSHEET! If you've ever felt paralyzed by money shame or wondered how others break free from financial anxiety, this conversation offers both practical wisdom and the emotional permission you might be seeking.
00:55 Haley's Financial Journey: From Stability to Debt
02:33 Navigating Lifestyle Inflation and Health Expenses
04:04 The Impact of Relationships on Financial Health
05:12 Starting a Business: Investments and Challenges
07:48 Dealing with Debt and Shame
11:55 Joining the Money Healing Club: A Turning Point
15:35 Introduction to the Money Challenge
16:09 Haley's Experience and Insights
16:52 Upcoming Challenge Announcement
18:12 Haley's Journey Post-Challenge
18:58 The Importance of Community Support
20:06 Practical Financial Tools and Strategies
23:03 Long-Term Financial Wellness
26:47 Haley's Future Financial Goals
🎧 Your next listen: Rachel's interview on Off the Grid Podcast with Amelia Hruby
https://episodes.fm/1610399726/episode/ZmU0MGE1ZTctYTNmZS00ZjFlLTk2MTQtNDEzZDZlNmY4NWY2
🖐️Leave us a voicemail: What's your rollercoaster money story? Click on the big orange button on our site right from your phone or browser and let me know https://www.moneyhealingclub.com/podcast
💫 Use code PODCAST for 50% off your first month and start your money healing process!
https://www.moneyhealingclub.com/club
🤑 Get my free email course on mindful spending: https://www.moneyhealingclub.com/challenge
Full transcript can be found here: https://www.moneyhealingclub.com/podcast
 

🌎How Culture Shapes Money: A Ukrainian Perspective

What shapes the way we think about money? Rachel Duncan, financial therapist, sits down with her husband Alex, who shares his early money memories growing up in Ukraine, the impact of inflation after Ukraine’s independence, and how financial perspectives differ across cultures.
💡 From debt and cash gifts to the value of education—this episode is a deep dive into how history, culture, and personal experience shape our financial mindsets.
Inside this episode:✔ How inflation shaped Ukraine’s financial landscape after independence✔ The Ukrainian mindset on debt & saving vs. U.S. financial culture✔ The role of cash gifts, education, and financial security✔ How Rachel & Alex align (or don’t) in their money practices
 
⏰ Episode Breakdown: How Culture Shapes Our Money Mindset
00:38 | Exploring Cultural Impacts on MoneyHow financial habits are shaped by history, culture, and lived experiences.
01:17 | Alex’s Early Money Memories from USSRGrowing up under a different economic system and its lasting effects.
01:55 | Ukrainian Money Mindset & Financial HabitsHow Ukrainians approach saving, spending, and financial security.
03:58 | Cultural Differences in Money PracticesComparing financial behaviors between Ukraine and the U.S.
05:33 | Attitudes Towards Debt & Credit Across CulturesHow debt is viewed in different financial systems.
09:09 | How Money & Moral Values IntersectThe role of ethics, trust, and responsibility in financial decisions.
13:35 | Personal Reflections on Money & Our RelationshipHow Rachel and Alex navigate financial differences in their marriage.
25:30 | How to Support Ukraine’s Defense EffortWays to contribute to the ongoing efforts and aid funds.
 
📢 Join the Conversation!
🌍 What are your cultural money stories? Share a voice memo!👉 www.moneyhealingclub.com/podcast
💙 Support Ukraine’s Defense Effort:👉 Ukraine Aid Fund
🎬 Watch "Buy Now" Documentary on Netflix
📜 Full transcript available:👉 www.moneyhealingclub.com/podcast
 

🎆 How can I live for today & save for the future?

Ever feel torn between treating yourself today and saving for tomorrow? In this episode, I dive into one of the most challenging aspects of our money journey - finding that sweet spot between present joy and future security.
 
00:42 Balance Present Enjoyment and Future Savings - it's tricky but possible
02:40 Here's how to have a Mindful Moment with Your Future Self
06:34 The Rule of 25 for Retirement
08:18 Finding Satisfaction in Saving
10:50 Imagining Your Future Self
 
Book mentioned: Happier Hour by Cassie Holmes, PhD
 
🖐️Leave us a voicemail: What topics or speakers do you want to hear about next season? Click on the big orange button on our site right from your phone or browser and let me know https://www.moeyhealingclub.com/podcast
💫 Use code PODCAST for 50% off your first month and start your money healing process!
https://www.moneyhealingclub.com/club
Full transcript can be found here: https://www.moneyhealingclub.com/podcast

🚸 How can I teach my kids good money habits?

How can you raise financially confident kids without passing down your own money anxiety?  From my take on predictable allowances to involving kids in family financial decisions, I share practical strategies that go beyond just teaching budgeting. 
Here are some scripts to try with your kids:
"I'm wanting to spend less money, so I need your help reminding me when we're at the store to stick to our list. Can you help me with that? "
"I'm going to start giving you some limits on how much we spend. It's called a budget, and I'm doing it for myself too. Do you want to see our family budget?"
"Lately, we haven't been watching how much we've been spending. What ideas do you have for how we can all cut down on spending?" [Be open to all responses.]
"I'm going to set up a yard sale, or sell clothes, or put things on Craigslist. What ideas do you all have to make some extra money? Are there things you would like to sell too?"
"Let's set aside a special day every week or every month for getting a treat. I need you to remind me so we can wait for it and it will feel really special."
02:46 Listener Question: How can I make sure I don't mess up my kids' money behaviors?
04:57 You gotta look to your past (here's how)
09:41 Kids can have more financial responsibility than you think
11:39 Age-Appropriate Financial Involvement
18:31 Encouraging Financial Independence and Generosity
🖐️Leave us a voicemail: What topics or speakers do you want to hear about next season? Click on the big orange button on our site right from your phone or browser and let me know https://www.moeyhealingclub.com/podcast
💫 Use code PODCAST for 50% off your first month and start your money healing process!
https://www.moneyhealingclub.com/club
Full transcript can be found here: https://www.moneyhealingclub.com/podcast

🚺What the Wage Gap Doesn’t Tell You: The Hidden Financial Burdens Women Face

What does gender have to do with money? A lot. In this episode, Rachel Duncan, financial therapist, sits down with Angie Fitzpatrick, community program manager and former professor of women’s and gender studies, to break down the financial impact of gender inequality.
💡 From the wage gap to unpaid labor, hiring biases to cultural expectations—this episode dives into the hidden financial burdens that women face and what needs to change.
Inside this episode:✔ Why the wage gap is more than just a paycheck issue✔ How cultural narratives shape financial expectations for women✔ The economic burden of caregiving & unpaid labor✔ How to advocate for structural change and rethink work-life balance
 
⏰ Episode Breakdown: The Financial Realities of Gender Inequality
00:00 | Introduction to Gender & MoneyWhy gender plays a bigger role in finances than most people realize.
00:58 | You Don’t Really Understand the Wage GapBreaking down common myths and the real numbers behind pay disparities.
03:55 | Impact of Cultural Narratives on Gender RolesHow outdated beliefs about "breadwinners" and "caretakers" shape financial inequality.
07:44 | The Unseen Cost of CaregivingWhy unpaid labor disproportionately falls on women—and what it’s really worth.
12:40 | Strategies for Change & AdvocacyHow to advocate for pay equity, benefits reform, and better work structures.
18:04 | Historical Context & Future PerspectivesHow history has shaped gendered financial inequality—and what’s next.
 
📚 Resources & References from the Episode
📊 Data & Reports
Fast Facts: The Gender Pay Gap – AAUW
U.S. Bureau of Labor Statistics
Deloitte: Closing the Benefit Gap for Women’s Health Equity
Why Women Pay More for Medical Expenses (StatNews)
Women Pay $15 Billion More Than Men for Medical Costs (Forbes)
The Pink Tax & Its Impact on Buying Power (WEF)
Senate Report on Gender-Based Pricing
📖 Books Mentioned
Fair Play – How to rebalance household labor.
The War Against Parents – Examining the systemic undervaluing of caregiving.
Eve: How the Female Body Drove 200 Million Years of Human Evolution – The biological and economic history of women’s roles.
🔗 Additional Links
Bill the Patriarchy – Pay equity advocacy & activism.
 
💬 Join the Conversation!
💡 How has gender inequality impacted your finances? Share your thoughts!👉 www.moneyhealingclub.com/podcast
💡 Start your money healing journey! Use code PODCAST for 50% off👉 www.moneyhealingclub.com
📜 Full transcript available:👉 www.moneyhealingclub.com/podcast
 

🧠 How can I rewire my brain to see money as abundant?

How can you see money as abundant [when money is ACTUALLY scarce]?
Get out your journal for this episode! Rachel Duncan, Financial Therapist, talks about the historical and familial contexts that shape our beliefs about money, emphasizing the evolutionary purpose of these beliefs to ensure safety. Let's get specific in defining what financial abundance means on a personal level. We all inherit money scripts and here's a deep way to rewrite them.
Try these new scripts:
"I am developing sources of income at the same time I'm keeping myself safe."
"I take careful risks."
"I have more options available to me to make money than my ancestors had."
"It's ok for me to earn more than my parents."
"I know exactly how I'd use X-amount of income"
🖐️Leave us a voicemail: What money script are you re-writing? Can I help you? Click on the big orange button on our site right from your phone or browser and let me know https://www.moneyhealingclub.com/podcast
💫 Use code PODCAST for 50% off your first month and start your money healing process!
https://www.moneyhealingclub.com/club
 

🛒 Why You Keep Impulse Spending—And How to Finally Stop

Do you ever find yourself shopping to feel better—then regretting it later? You're not alone. In this episode, Rachel Duncan, financial therapist, tackles the #1 listener question:
💡 "How do I stop impulse spending when I’m emotional?"
🤑 Get My Free Mindful Spending Challenge!👉 moneyhealingclub.com/challenge
Inside this episode, we explore:✔ What impulse spending really is—and why it happens✔ The emotional triggers behind overspending (hint: it’s not just about “lack of control”)✔ How dopamine drives impulse purchases—and what to do instead✔ Practical strategies to replace impulse spending with healthier, feel-good habits✔ How to plan for “fun spending” without guilt or regret
📢 If you’re tired of impulse spending sabotaging your financial goals, this episode is for you!
 
⏰ Episode Breakdown: How to Overcome Emotional Spending
00:35 | What Is Impulse Spending?Breaking down the psychology behind impulse buys.
01:29 | Understanding the Emotional TriggersHow feelings like stress, boredom, and sadness drive spending.
02:03 | What Is the Want Beneath the Want?Discovering the deeper emotional needs behind impulse purchases.
03:01 | The Role of Dopamine in Impulse SpendingWhy your brain craves the rush of spending—and how to redirect it.
03:44 | Replacing Impulse Spending with Healthy HabitsSimple swaps that still give you a dopamine boost without hurting your wallet.
05:22 | Planning for Controlled Impulse SpendingHow to budget for fun—without guilt or financial setbacks.
06:15 | The Long-Term Process of ChangeWhy breaking impulse spending habits takes time (and how to stay on track).
07:02 | Community Support & ResourcesHow to find support & accountability on your mindful spending journey.
 
💬 Join the Conversation!
💡 When are you most tempted to impulse spend? Share your thoughts!👉 www.moneyhealingclub.com/podcast
💡 Start your money healing journey! Use code PODCAST for 50% off👉 www.moneyhealingclub.com
📜 Full transcript available:👉 www.moneyhealingclub.com/podcast
 

🌟 Introducing the Money Healing Club Podcast 🌟

Do you ever regret an impulse spend? Do you avoid looking at your bank account? If the words, shame and guilt are the first words you associate with money, then I know your relationship with money is deeply emotional. 
I am Rachel Duncan. I'm a financial therapist and art therapist, and I'm the host of the Money Healing Club podcast.
This is the place to finally say the things we don't say when we talk about money. In this podcast, I'll be answering listener questions and talking with real people about their journey to heal their relationship with money. I take a holistic, feminist, intersectional and creative approach to unpacking these emotional experiences with money that we all have.
🖐️Leave us a voicemail with your question or story about money! Click on the big orange button on our site right from your phone or browser and let me know https://www.moneyhealingclub.com/podcast
💫 Use code PODCAST for 50% off your first month and start your money healing process!
https://www.moneyhealingclub.com/club