Breaking Money Cycles: When Breaking Money Cycles Means Breaking Relationships
It's Not About The Money
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...
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Breaking Money Cycles: Why You Can't Stop Putting Others First With Money
It's Not About The Money
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...
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Breaking Money Cycles: Debt, Shame and Forgiveness
It's Not About The Money
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,...
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Breaking Money Cycles: The Real Reason You Can't Create Consistent Income (It's Not Your Marketing)
It's Not About The 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...
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Breaking Money Cycles: Why You Make Your Worst Financial Decisions When You're Overwhelmed
It's Not About The Money
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...
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Breaking Money Cycles: Why You Hide from Your Numbers (And How to Build Financial Courage)
It's Not About The Money
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,...
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Breaking Money Cycles: Why You Self-Sabotage When Things Go Well
It's Not About The Money
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,...
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Breaking Money Cycles: Financial Trauma - The Hidden Cost of Being the Affordable Option
It's Not About The Money
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,...
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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...
info_outlineIn this forward-thinking episode, I'm joined by Emmy award-winning media entrepreneur and futurist Natalie MacNeil to explore the radical transformation of money happening before our eyes. From decentralised finance to community wealth-building, we dive deep into what the future holds for how we earn, save, and invest.
The Dragonfly Metaphor
- Richard Rudd's story of the dragonfly as a metaphor for our current financial transformation
- Water nymphs living underwater with no concept of flying - representing our current understanding of money
- The biological impulse to climb up and transform into something completely different
- How we're about to experience a shift as dramatic as moving from water to flying through air
From Individual to Collective Wealth
- The shift from individual wealth-building to community-focused financial systems
- How AI, robotics, automation, and blockchain will converge to change everything
- The "zero cost margin scenario" - when robots can produce almost everything for nearly free
- Why community and focusing on "being human" becomes crucial as machines replace human labour
Decentralised Finance Revolution
- How fiat currency is backed by trust, not gold, creating vulnerability to government money printing
- The concept of being "your own bank" through decentralised finance
- Smart contracts replacing traditional intermediaries like bankers and lawyers
- Decentralised Autonomous Organisations (DAOs) returning power to communities
- Real examples already happening: Tesla robo-taxis that can work and earn money autonomously
New Forms of Wealth Creation
- Why future wealth won't come from jobs but from owning the machines and AI doing the work
- Capital ownership becoming more crucial than ever
- Examples of productive digital assets and cryptocurrency staking
- The importance of creating a "low burn digital life" with location independence
Portfolio Allocation and Risk Management
- Natalie's 15% crypto allocation vs traditional financial advice of 2-3%
- The importance of age and risk tolerance in allocation decisions
- Warning against valueless meme coins and alt coins without real utility
- Focus on coins with genuine technology and long-term value propositions
Values-Based Investing in Digital Assets
- Screening investments for environmental impact and sustainability
- Using AI tools to analyse portfolio alignment with personal values
- The concept of money as "a prayer" - investing with sacred intention
- Gradual transition rather than wholesale portfolio changes
Practical Implementation Strategies
- Using AI to create personalised financial education courses
- Building custom GPTs as investment advisors with daily market updates
- Incorporating emotional forecasting and fear/greed index monitoring
- The tokenisation of real-world assets like property for easier transactions
Preparing the Next Generation
- How financial education will be radically different in five years
- Teaching children about digital assets and decentralised systems
- The importance of understanding both traditional and future financial systems
Final Thought
This transformation requires both practical preparation and spiritual growth. As robots free up human time, we must explore deeper questions about purpose, abundance, and what it means to be human. The future is moving from scarcity to abundance - but only for those who prepare and adapt.
Chapters
00:00 Introduction to the Future of Money
02:52 The Dragonfly Metaphor: Transitioning to New Realities
05:48 From Individual Wealth to Collective Wealth
09:07 The Role of Community in the Future Economy
12:01 Decentralized Finance: A New Financial Paradigm
15:02 Opportunities and Risks in the New Financial Landscape
18:02 Capital Ownership and the Rise of AI
20:46 Investing in the Future: Strategies for Success
23:59 Navigating Risks in the Digital Age
27:14 Understanding Cryptocurrencies: A Beginner's Guide
35:35 The Concept of VisionCoin
38:04 Investing in Decentralized Finance
40:50 Ethical and Values-Based Investing
42:40 Tokenization of Assets
44:52 Practical Steps for Ethical Investing
50:02 Leveraging AI for Financial Education
56:27 The Emotional Aspect of Investing
01:00:29 Preparing for a New Financial Paradigm
Resources:
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Come to our Wealth Awakening Retreat
Become a Certified Financial Coach
Discover how to screen your investment portfolio with an ethical lens
Explore the AI Dream Team Course (Please note we are an affiliate for this course which means we may earn an affiliate commission for any purchases) I have personally invested and completed this course to help me save hours of time in my business.
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Listen to podcast episode: Understanding your deep resistance to success through the lens of Gene Keys