Breaking Money Cycles: Why You Feel Broke Even When You Have Money (10-Minute Daily Fix)
It's Not About The Money
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...
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Breaking Money Cycles - Why Saving More Money Never Makes You Feel Safe
It's Not About The Money
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...
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Why Hustle Culture is Killing Your Success: The Long-Haul Leadership Revolution with Chris Ducker
It's Not About The Money
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...
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Building a Business That Runs Without You with Alexis Kingsbury
It's Not About The Money
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...
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From Leukemia to Financial Adviser: How Crisis Shaped My Money Story with Michelle Taylor
It's Not About The Money
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...
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How to Break Generational Money Blocks in 7 Days
It's Not About The Money
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...
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Always Free - How to Become Financially Free with Jason Graystone
It's Not About The Money
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...
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Master Female Financial Freedom in 1 hour: Everything They Never Taught Women About Money!
It's Not About The Money
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...
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How to Build Rich Relationships With Selena Soo
It's Not About The Money
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...
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Why You're Busy But Not Profitable (And The 3 Ways To Fix It)
It's Not About The Money
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...
info_outlineEpisode Overview
In this episode, I tackle the timely topic of investing during market volatility, particularly relevant as stock markets respond to President Trump's recent tariff announcements. For many investors, these uncertain times can trigger anxiety and fear, but I explain why volatility is actually normal, cyclical, and can present excellent investment opportunities for those with the right knowledge.
Key Highlights
Understanding Market Sentiment
- Warren Buffett's famous advice: "Be fearful when others are greedy and greedy when others are fearful"
- The Fear and Greed Index as a valuable tool for measuring collective investor emotions
- How buying during periods of extreme fear has consistently produced strong returns over time
- The counterintuitive nature of successful investing - why it feels uncomfortable to go against the crowd
The Psychology of Market Cycles
- Market sentiment follows predictable emotional patterns:
- Disbelief → Hope → Belief → Thrill/Euphoria
- Complacency → Anxiety/Denial → Panic → Depression
- Then back to Disbelief as the cycle restarts
- Understanding where you personally get caught in this emotional cycle
- Common behavioural biases that affect investment decisions:
- Loss aversion (feeling losses twice as strongly as gains)
- FOMO (fear of missing out)
- The endowment effect (overvaluing what we already own)
Recognising Your Own Emotions and Behaviours
- Self-awareness as the most underrated investment skill
- Research shows individual investors underperform markets by 2-4% annually due to emotional decisions
- The value of keeping an investment journal to document feelings during market cycles
- Understanding your risk tolerance and personal biases
Understanding Market Cycles
- The four classic phases of economic cycles: Expansion, Peak, Contraction, Recovery
- Different market sectors that typically outperform in each phase:
- Expansion: Technology, consumer-based stocks
- Peak: Financial sectors, industrial stocks
- Contraction: Healthcare, consumer staples, utilities
- Recovery: Materials, energy sectors
- How to adjust portfolio weightings based on cycle phases
The Power of Correlation in Building Resilience
- Correlation measures how different assets move in relation to each other
- Understanding correlation coefficients: from -1 (opposite movement) to +1 (same direction)
- Why true diversification requires assets with low correlation to each other
- The 2022 example of both bonds and equities declining simultaneously
- Building a portfolio that can weather different market conditions
Final Thought
Successful investing is about time in the market, not timing the market. Research shows that missing just the 10 best days in the stock market can cut returns in half over decades. While market volatility might make many investors fearful, those prepared with the right strategies can use uncertain times as opportunities for growth.
Chapters
00:00 Investing in Uncertain Times
04:49 Understanding Market Sentiment
09:08 The Psychology of Market Cycles
16:20 Recognizing Personal Emotions in Investing
18:11 Understanding Market Cycles
21:33 The Importance of Correlation in Investments
25:52 Key Strategies for Successful Investing
Resources:
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