Money Healing Club Podcast

EPISODE SUMMARY What if feeling "bad at money" isn't a character flaw but simply a sign you haven't found the right approach yet? In this episode of The Money Healing Club podcast, host Rachel Duncan chats with Carrie Friedberg, money coach, educator, and author of the newly released book At Peace with Money. Carrie shares her own journey from financial fog to confidence, proving that you don't need to be born with a "money gene" to build a healthy relationship with your finances. They explore how treating money like a practice (similar to yoga) can transform your financial life, why tracking your spending is an act of self-respect, and how understanding your unique learning style might be the missing piece in making money habits actually stick. 💬 "Anything is possible in your financial life if you're willing to track your money. What I mean by that is pay attention, tend to the garden of money, remain connected." KEY TAKEAWAYS You don't need to be "naturally good" at money. Building confidence with finances is a practice, not an innate talent Tracking your spending (even with apps like Monarch Money or Quicken) is the foundational habit that makes everything else possible Create a weekly "money date" where you review spending, categorize transactions, and plan ahead. Treat it like an important appointment you'd never cancel Understanding your learning style (visual, kinesthetic, naturalistic, etc.) can help you design money routines that actually work for you It's okay to hire help (accountants, coaches, experts). Delegating is strategic when you're prepared and engaged Practice "budgeting out loud" so others see that managing money takes real work and intention About Carrie Friedberg Carrie Friedberg is a money coach, educator, and author who spent 15 years helping clients build confidence and peace with their finances through her practice, SF Money Coach. A former classroom teacher who struggled with money herself, Carrie discovered that traditional "just make a budget" advice didn't work for everyone. Her holistic approach combines practical financial skills with emotional awareness and personalized learning styles. Currently back in education while still coaching select clients, Carrie just released her debut book At Peace with Money, which lays out her step-by-step curriculum for financial wellness at any stage of life. ⏰ EPISODE BREAKDOWN 04:00 | The Yoga Mat Revelation How practicing discomfort in yoga translated into financial transformation and why "it shouldn't be this hard" was the turning point 18:00 | The Foundational Money Routine Why tracking your spending (with the right tools and weekly consistency) changes everything, and how to create a "money date" ritual that actually works 23:00 | Learning Styles and Money Discovering Howard Gardner's multiple intelligences and how knowing whether you're kinesthetic, visual, or naturalistic can revolutionize your financial habits 28:00 | The Five Levels of Financial Wellness From tracking to planning to analyzing to relationships to long-term health, here's the roadmap Carrie developed over 15 years of coaching 📚 RESOURCES MENTIONED At Peace with Money by Carrie Friedberg (releasing January 20, 2026) Howard Gardner's Theory of Multiple Intelligences Framework for understanding different learning styles SF Money Coach Carrie's website with courses and coaching: sfmoneycoach.com 💬 Join the Conversation Have you discovered a money routine that finally clicked for you? Or are you still searching for an approach that doesn't feel like punishment? Click on the big orange button on our site right from your phone or browser and let me know what your biggest money habit struggle is (or win!): https://www.moneyhealingclub.com/podcast 🎧 Your next listen Why you REALLY argue with your partner about money, w/ Couples Financial Therapist, Ed Coambs 💫 Visit the Money Healing Club website to start your money healing process! https://www.moneyhealingclub.com Free Emai

What if paying off debt faster isn't actually the goal? In this episode of The Money Healing Club, Rachel sits down with Haley and Justin Brown-Woods, the husband-wife team behind The Price of Avocado Toast, to reframe everything you thought you knew about debt. They discuss why the first step isn’t spreadsheets but childhood patterns, how the “whatever’s left” approach keeps you stuck, and why wealthy people don’t see debt as a moral failing. This conversation will challenge traditional ideas of being “responsible” with debt and may even strengthen your relationship in the process. 💬 "Debt happens to people more than people happen into debt. When folks first meet with us, they're so heavily rooted in this idea of 'I'm bad, I've caused this, and it's all my fault.'" Key Takeaways: The language we use about debt reveals deep shame - "I'm bad with money" puts all blame on ourselves, not systems Your first credit card story (probably age 18-22) holds crucial clues about your current debt patterns Paying minimums on everything for 1-2 months to get control beats chaotic "throw whatever's left" approach Most people are paid bi-weekly but all budgets/bills are monthly - this mismatch creates the debt cycle "Done" doesn't mean debt-free - it means making empowered decisions without fear or desperation About Haley & Justin Brown-Woods: Haley and Justin Brown-Woods are Accredited Financial Counselors® and the voices behind Price of Avocado Toast, a platform dedicated to redefining what financial wellness looks like for everyday people. Together, they help individuals and families break the debt cycle, build sustainable money habits, and align their spending with their core values ⏰ EPISODE BREAKDOWN 03:00 | The Shame That Shows Up First Why clients worry you'll judge them as much as they worry about the cost 06:30 | Starting With Story, Not Spreadsheets Why their first session focuses entirely on childhood and life history 21:00 | The Free Pizza That Started It All Unpacking how we all got our first credit cards (and why we had no idea what we were doing) 26:00 | Why "Throw Whatever's Left" Keeps You Stuck How inconsistent debt payments feed the drama instead of solving it 32:00 | Debt Is Morally Neutral (Even the Founding Fathers Knew It) Why bankruptcy is actually the American way and wealthy people leverage debt as a tool 📚 Resources Mentioned Price of Avocado Toast website "The Psychology of Money" by Morgan Housel - history of consumer debt Episode with Adrienne Hines on bankruptcy options The Budgetnista - Tiffany Aliche 💬 Join the Conversation What shame language do you use about your debt? Do you say "I'm bad with money" or "I got myself into this mess"? What was your first credit card story? The Money Healing Club podcast wants to hear how debt actually happened TO you: https://www.moneyhealingclub.com/podcast 🎧 Your next listen: Listen to the No New Things Book Club episode on why we have so much stuff we don’t need. 💫 Visit the Money Healing Club website to start your money healing process! https://www.moneyhealingclub.com 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.

EPISODE SUMMARY Do you ever find yourself shopping to feel better—then regretting it later? You're not alone. In this special 1 year anniversary broadcast episode of the Money Healing Club Podcast, Rachel Duncan, Certified Financial Therapist TM, tackles the #1 listener question: 💡 "How do I stop impulse spending when I’m emotional?" 🤑 Get My Free Mindful Spending Email Course!👉 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 and making you feel crappy, this episode is for you! ⏰ EPISODE BREAKDOWN: What Is Impulse Spending?Breaking down the psychology behind impulse buys. Understanding the Emotional TriggersHow feelings like stress, boredom, and sadness drive spending. What Is the Want Beneath the Want?Discovering the deeper emotional needs behind impulse purchases. The Role of Dopamine in Impulse SpendingWhy your brain craves the rush of spending—and how to redirect it. Replacing Impulse Spending with Healthy HabitsSimple swaps that still give you a dopamine boost without hurting your wallet. Planning for Controlled Impulse SpendingHow to budget for fun—without guilt or financial setbacks. The Long-Term Process of ChangeWhy breaking impulse spending habits takes time (and how to stay on track). Community Support & ResourcesHow to find support & accountability on your mindful spending journey. 🎧 Your next listen: S1 E10: ✍🏽 THE journal prompt for healing - Dear Money, what would you have me know? 💬 Join the Conversation! ☎️ When do you find yourself impulse purchasing? Leave us a voicemail on our website to share your thoughts: https://www.moneyhealingclub.com/podcast 🌟 Want more help? 💡 Start your money healing journey today! Hop on a waitlist for our next program https://www.moneyhealingclub.com/ 🤑 Get my free email course on mindful spending: https://www.moneyhealingclub.com/challenge

What happens when you actually delete the apps? After the last episode of the Money Healing Club podcast with Amelia Hruby about social media and money, listeners are sharing their own stories of breaking free from the scroll. In this special voicemail episode, hear from Tamara Mendelson (coach and educator) and Shae Shaw (the Party Poet) about their journeys off social media, the grief that comes with leaving, and the surprising ways their lives have opened up. Rachel also shares practical tips for what to do with all that time you're not doom-scrolling. "I cannot be alarmed to be alive anymore. Everything on social media is a sell, is selling you something. My social now is a bird app - I listen to the birds and I love it." - Shae Shaw Key Takeaways: Leaving social media is a process with real costs and benefits - it's not just willpower Every "no" needs a "yes" - replace social media time with something intentional Revisit hobbies you loved as a kid to find non-numbing outlets If family uses social media to stay connected, find alternative ways (WhatsApp, Marco Polo, voice memos) Business owners face unique challenges with platform restrictions on web versions Featured Voices: Tamara Mendelson - Educator, writer, positivity mentor and divorce coach (tamara.mendelson@gmail.com) Shae Shaw - The Party Poet (partypoet.love) EPISODE BREAKDOWN 02:00 | Tamara's Question: Quick Fixes That Add Joy What else can you do besides leaving social media to spend less and feel better? 04:45 | Rachel's Answer: Rediscover Your Kid Self How childhood hobbies reveal what brings you authentic joy 10:00 | Shae's Declaration: "I Cannot Be Alarmed To Be Alive" A poet's righteous rebellion against the attention economy 13:00 | The Business Owner's Dilemma Why it's so hard to be halfway in when platforms restrict web access Resources Mentioned "Your Attention Is Sacred Except on Social Media" by Amelia Hruby Join the Conversation What's YOUR social media story? Are you fully in and loving it? Halfway out? Totally off the grid? What's the most random thing you bought because social media convinced you it was a problem you needed to solve? The Money Healing Club podcast wants ALL the stories - click the big orange button: https://www.moneyhealingclub.com/podcast Your next listen: Go back to Episode 32 with Amelia Hruby for the full deep dive on attention, social media, and impulse spending. 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.

EPISODE SUMMARY What's your stickiest money block? For many entrepreneurs and service providers, it's raising rates - even when we know we deserve more. In this episode of the Money Healing Club Podcast, Rachel(Certified Financial Therapist) speaks with Sarah Mac, money witch and business strategist, to tackle a listener's question about overcoming self-worth issues and cultural conditioning around charging what you're worth. They dive deep into the emotional blocks that keep us small, practical strategies for pricing with confidence, and why being uncomfortable might mean you're doing it right. "Nobody will value your work more than you do. You have to be able to lead with that. You have to be able to celebrate yourself, and if you can't do that, don't expect other people to have the confidence to invest in you." Key Takeaways: Cultural conditioning (especially British "don't boast" mentality) creates deep blocks around money Confidence comes through evidence and taking action, not just thinking about it Your discomfort when raising rates often signals you're on the right track Being a "permission slip" for others helps reframe individual pricing decisions as cultural change You can't help everyone - and trying to often means helping no one well About Sarah Mac: Sarah Mac is a creative brand strategist, money witch, and business astrologer who helps magical entrepreneurs have six-figure years. She's the author of "The Six Figure Creative" and host of the Creative Magic Club podcast, originally from the UK and now living in Los Angeles. Reach out to Sarah Mac: withsarahmac.com | Instagram | Substack | LinkedIn | Facebook EPISODE BREAKDOWN 04:00 | The Post-It Note Strategy - Sarah's simple method for conditioning yourself to higher income goals 08:00 | Finding Your Stretch Number - How to identify pricing that feels exciting but believable 12:30 | Cultural Blocks: The British "Don't Boast" Problem - Why cultural conditioning makes money conversations extra challenging 18:00 | Becoming Your Own Best Client - The fastest path to confidence in your pricing and services Resources Mentioned "The Six Figure Creative: Heal Your Relationship With Money Doing Work You Love" by Sarah Mac Creative Magic Club podcast - Sarah's show on pricing, money, and using astrology in business Join the Conversation Are you struggling to raise your rates? What cultural or family messages are holding you back from charging what you're worth? The Money Healing Club Podcast wants to hear your story! Click the big orange button and leave a voicemail: https://www.moneyhealingclub.com/podcast Your next listen: For more insights on the deeper emotional work behind money blocks, check out our episode with Bari Tessler, the godmother of financial therapy, 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.

EPISODE SUMMARY Here we go with the #2 most common word I hear about money: AVOIDANCE. (Remember what the #1 is? That's right: SHAME). Do you avoid your money like… the plague? or more accurately, the GYM?? Let's go deeper. In this episode of The Money Healing Club Podcast, Rachel responds to a listener question about the lifelong habit of retreating from money tasks — even when you know you’ll feel better afterwards. Rachel unpacks why money avoidance is such a common (and understandable) coping strategy, what it has to do with trauma responses, and how to gently shift the pattern. From nervous system safety to body doubling to internal family systems (IFS), Rachel shares compassionate tools for learning how to stay with your money — even when it feels hard. KEY TAKEAWAYS Avoidance isn’t laziness — it’s your body’s way of saying, “i just can't. it's too much right now.” Capitalism profits from our disconnection (late fees, overdrafts, interest charges). Money avoidance is often a mix of trauma responses: fight, freeze, flight, fawn, flop, fib. Safety comes first in trauma healing: sometimes you need community or body doubling to signal “this is okay.” Internal Family Systems (IFS) helps you meet the parts of you that avoid money with compassion, not criticism. Small, doable tasks + no-cost celebrations (walk, disco dance, doodle) can shift the cycle. RESOURCES MENTIONED 1. Past episode with Sydney Harbosky on tapping for accessible money-safety. 2. Focusmate → virtual body-doubling tool with a generous free tier 3. Money Healing Club Membership → Join us with weekly live conversations and private community. 4. One-on-one IFS-informed money work with Rachel → Apply here. 💬 JOIN THE CONVERSATION How can you re-frame your avoidance as an invitation to connect with a stuck part? 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: S2 E22:👉🏽You can choose to deeply love and accept yourself: Tapping for money healing w/ Sydney Harbosky 💫 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.

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.

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.