As a former financial adviser who's worked with hundreds of people around money, one of the biggest barriers to good financial management isn't the lack of knowledge - it's that gap between knowing what you should do and actually doing it. This gap is created by overwhelm, decision paralysis, fear that money will run out, or shame from comparing yourself to others. This is where AI, when used properly, can remove that friction in ways I've never seen before.

Today, I'm sharing my personal framework for building an AI money coach - not just using ChatGPT for random questions, but creating a personalised tool that actually improves your financial decisions. I'm diving into the three essential elements (context, cues, and clarity), what AI can and cannot do with money, how to build safeguards so you're using it effectively not dangerously, and the exact prompts I use - because the future of personal finance isn't about replacing humans with AI, it's about using AI to bridge the gap between knowing and doing.

00:00 Bridging the Knowledge-Implementation Gap in Finance

02:48 The Role of AI in Financial Management

06:08 Building Your AI Money Coach: The Framework

08:55 Context: Understanding Your Financial Situation

12:09 Cues: Decision-Making Frameworks for AI

18:01 Clarity: Setting Boundaries for AI Interaction

29:56 Practical Steps to Create Your AI Money Coach35:46 The Future of AI in Personal Finance

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Reveal and Heal The Inherited Money Patterns Keeping You Stuck with the 5 Hidden Money Beliefs Framework Guide

Have you ever noticed that no matter how hard you work or how skilled you become, you seem to hit the same income ceiling over and over again?

There's a fascinating concept in financial psychology called your financial set point - an unconscious income limit that most of us cap at roughly the same level our parents earned when we were growing up. When you try to exceed this invisible ceiling, your brain literally hits the emergency brake, triggering self-sabotage, guilt, or an overwhelming sense that you don't deserve more. I experienced this myself when my mum saw my bank statement showing over £50,000 in one month and I immediately downplayed it, feeling this deep shame about earning more easily than she ever did.

Today, I'm unpacking why your childhood money environment is a stronger predictor of your financial success than your education or business skills, how unconscious loyalty patterns keep you stuck at your parents' income level, and the four essential steps to gradually expand your nervous system's capacity to hold more wealth - because breaking these patterns isn't just about you, it's about resetting the entire financial landscape for the next generation.

00:00 Understanding Financial Set Points

07:08 The Impact of Childhood on Financial Success

12:52 Identifying Signs of Financial Self-Sabotage

17:39 Breaking the Cycle of Financial Limitation24:48 Tools for Regulating Financial Anxiety

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Reveal and Heal The Inherited Money Patterns Keeping You Stuck with the 5 Hidden Money Beliefs Framework Guide

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Listen to The Psychology of Wealth: How to Start Thinking Rich and How to Change Your Beliefs About Money with Dr. Brad Klontz

What if the financial freedom you've been told is the one thing you should be focusing on - the independent, the self-sufficient, the doing it all for yourself - is actually the very thing that's been keeping you from the enriched abundant life you're perhaps seeking?

On today's show, I want to talk about financial freedom, and it's so interesting that every single book in the personal finance space, including my own book "It's Not About the Money," refers to this topic as a very individual pursuit.

I'm exploring why everything we've been taught about financial independence might actually be the very thing stopping us from creating a better life for ourselves and for others around us.

00:00 Rethinking Financial Freedom

02:35 The Balance of Masculine and Feminine in Money

05:42 Challenging Traditional Financial Paradigms

08:03 The Shift from Independence to Interdependence

10:47 Embracing Community and Collective Wealth

13:12 The Future of Financial Relationships

15:50 The Power of Asking for Help

18:24 Interdependence as a New Paradigm

21:15 Exploring New Financial Models

23:41 Invitation to Collective Action

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Today, I'm sharing a practice that has supported me so much I can't even begin to tell you - one that allows for more flow, more ease, and some wiggle room for change.

Traditional goal setting attaches your worthiness to a specific outcome, which means your whole body and nervous system code the entire process as a task you're measured against. If you fear failure, setting a goal activates fear instantly and your body goes into contraction.

If you fear success - what happens if I actually achieve this? - you unconsciously self-sabotage. Instead, I'm sharing my four-step money visioning ritual that honours the season you're in, brings all parts of yourself along for the journey, and creates a future so exciting and inspiring that you'll want to follow it rather than feeling like you have to push yourself into rigid frameworks.

00:00 Introduction to Goal Setting Challenges

03:02 The Money Visioning Process

10:47 Creating an Expansive State for Visioning

16:38 Understanding Your Current Season

29:33 Welcoming All Parts of Yourself

39:03 Vividly Embodying Your Vision43:14 Conclusion and Invitation to Action

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Is there this part of you that genuinely wants more, but another part of you that's pushing money away? What I'm about to share in today's episode might actually come as a bit of a relief - your money struggles aren't necessarily about what you know or what you don't know, and they're not even really just about what you think or what you believe.

I've been able to bottle it all down to seven somatic resets, seven states of being that live in your body, seven ways that your body has essentially learnt to relate to money. I know this because I've lived all seven of them, even with my qualifications as a financial adviser, even whilst sitting across from clients helping them plan and invest their money. I still felt that familiar sensation of stress, tightness in my chest, not believing I was worthy of having money, and that sense that no matter what I did, I couldn't keep hold of it.

Today, I'm walking you through all seven of these states - from separation to wholeness, scarcity to sufficiency, independence to interdependence, transactional to relational, forcing to allowing, fear to love, and forever to seasons - what they actually feel like in your body, why they keep you in these patterns, and the very specific invitation that's going to support you in shifting your relationship with money for good.

00:00 Introduction to Somatic Financial Coaching

02:38 Understanding the Seven States of Being

03:03 State of Separation: Feeling Disconnected from Money

06:07 State of Scarcity: The Illusion of Lack

11:34 State of Independence: The Burden of Self-Reliance

16:57 State of Transaction: Moving to Relationship with Money

21:00 State of Forcing: Transitioning to Allowing

26:08 State of Fear: Embracing Love as a State of Being

31:42 State of Forever: Recognizing Natural Cycles

39:44 Conclusion: Embracing Change and Transformation

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Reveal and Heal the Inherited Money Patterns Keeping You Stuck with the 5 Hidden Money Beliefs Framework Guide

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How much more money would you need to earn to stop worrying about money? Is it £10,000 more, £20,000, £50,000? I've worked with many clients earning six figures, people who have millions in their bank account, who lie awake at night with the same money anxiety. The myth that more money will solve all of your money problems may be the myth that's keeping you broke - not because you're not earning enough, but because you're chasing a target that never stops moving.

Let me tell you about when I finally earned "enough" - I'd spent years convinced that the next pay rise would create certainty and financial stability. When I hit that number at 32, here's what happened: absolutely nothing. The financial anxiety was still there, the hypervigilance around checking my bank balance was still there, and that's when I realised it wasn't an income problem - I had a safety problem.

Today, I'm breaking down why this myth is so destructive, how lifestyle creep and attachment patterns scale with your income, and the four practical steps to build genuine safety with money at any income level, because true wealth isn't about your bank balance - it's about healing your relationship with yourself.

00:00 The Myth of Money Anxiety

03:12 Understanding Financial Anxiety

08:17 The Destructive Patterns of Money Myths

12:58 Attachment Styles and Money

18:14 The Concept of Abundance

22:01 Building a Healthy Relationship with Money

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Reveal and Heal The Inherited Money Patterns Keeping You Stuck with the 5 Hidden Money Beliefs Framework Guide

How many times have you been told that your money problems are just a mindset issue? That if you're not wealthy yet, it's just because you've got money blocks or you're not aligned? Well, what if I told you that's actually emotional gaslighting designed to keep you blaming yourself instead of seeing the real problems?

Welcome to the second episode in my Money Myths series where I'm busting the myths and beliefs that keep you stuck.

Today, we're unpacking the myth that says you have to have a millionaire mindset to become wealthy. Now, I talk a lot about mindset - it is incredibly important - but it's not the only thing you need to become a millionaire. This belief glosses over systemic barriers like the gender pay gap, racial discrimination, caring responsibilities, and disability factors that affect your ability to build wealth. It completely bypasses money trauma and shames people for not being positive enough, creating toxic positivity that disconnects you from your actual lived experience.

Instead of vision boards and affirmations, I'm sharing why we need to feel safe and grounded with money first, plus four practical steps to build genuine financial resilience that acknowledge both your internal patterns and the external systems working against you.

00:00 Introduction to Money Myths

02:56 The Millionaire Mindset Myth

05:47 Systemic Barriers to Wealth

09:02 The Impact of Money Trauma

11:57 Financial Education and Access

14:47 Collective Responsibility and Change

18:11 Emotional Responses to Money

20:54 Practical Steps for Financial Safety

24:04 The Importance of Reality in Financial Conversations

27:12 Conclusion and Call to Action

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Check out other episodes focusing on Money Trauma:

https://catherinemorgan.com/podcastarchive/the-psychological-impact-of-money-trauma/

https://catherinemorgan.com/podcastarchive/financial-coaching-can-help-you-heal-money-trauma/

https://catherinemorgan.com/podcastarchive/10-steps-to-overcome-your-money-trauma/

Is getting better with money on your resolution list again this year? Maybe you've already downloaded a budgeting app, promised yourself you're going to track every penny, or sworn that this is the year you finally get it together. Well, here's what no one actually tells you - budgets don't work. If they actually did work, you wouldn't need to keep making the same resolution year after year.

Welcome to the first episode in my Money Myths series, where I'm busting the myths and beliefs that keep you stuck and stressed.

Today, we're tackling one of the most persistent money myths: "I just need a strict budget to stop overspending." Let me tell you as a recovered emotional overspender, this does not work. Budgets are built on willpower and they ignore the real reasons we overspend - they can actually trigger a response to restriction, create money shame when we don't stick to them, and treat the behaviour of spending rather than how you feel in that moment before you spend.

Instead, I'm sharing why a values-based approach works when traditional budgeting fails, plus practical tips for neurodivergent money management and permission to align your spending with what actually matters to you.

00:00 Introduction to Money Myths

02:48 The Budgeting Myth: Why Budgets Fail

06:04 Reframing Financial Language

08:51 Emotional Spending and Impulse Control

12:13 Values-Based Spending Plans

15:02 Tracking Money Emotions

17:51 The Power of Permission in Financial Decisions

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Check out other episodes focusing on ADHD:

How my ADHD diagnosis shifted my identity

My ADHD Diagnosis & How to Manage Money When You Have ADHD

How to Manage Money in Business When You Have ADHD

The best way to plan your finances if you have adult ADHD