<p>In this episode of <a href="https://www.instagram.com/yoquierodineropodcast/" rel="noopener noreferrer" target="_blank"><em>Yo Quiero Dinero</em>, Jannese </a>sits down with <a href="https://www.instagram.com/lamoneytherapist/?hl=en" rel="noopener noreferrer" target="_blank"><strong>Mariana Barajas</strong></a>, licensed therapist and money coach aka <a href="https://www.instagram.com/lamoneytherapist/?hl=en" rel="noopener noreferrer" target="_blank"><strong>@</strong>lamoneytherapist&nbsp;</a></p><p>to unpack the deep, emotional connection between <strong>mental health and money</strong>.</p><p>From first-gen pressure and eldest-daughter trauma to scarcity mindsets, over-spending, money hoarding, and burnout, this conversation goes beyond budgeting tips and gets to the <em>root</em> of our financial behaviors. Because let’s be real: most of us already know <em>what</em> to do with money—what stops us is what’s happening in our nervous system.</p><p>Mariana breaks down how childhood experiences, cultural conditioning, and subconscious beliefs shape the way we earn, spend, save, and invest—and what it actually takes to heal your relationship with money.</p><p>If you’ve ever wondered why you can’t keep money, why you’re afraid to take financial risks, or why success still doesn’t feel like enough… this episode is for you.</p><br><p><strong>What We Get Into</strong></p><p><strong>00:01 – 02:00</strong></p><ul><li>Mariana’s background as a licensed therapist and money coach</li><li>Why mental health and financial wellness must be treated holistically</li></ul><p><strong>02:01 – 05:00</strong></p><ul><li>First-gen upbringing, eldest daughter pressure, and seeking parental validation</li><li>How childhood emotional neglect can shape adult ambition and burnout</li></ul><p><strong>05:01 – 07:45</strong></p><ul><li>Growing up with limited financial resources</li><li>How early awareness of money scarcity impacts confidence and decision-making</li></ul><p><strong>07:46 – 10:10</strong></p><ul><li>The fast dopamine hit of spending once you “finally make it”</li><li>How retail therapy can quietly lead to debt and lifestyle inflation</li></ul><p><strong>10:11 – 13:20</strong></p><ul><li>Identifying subconscious money beliefs</li><li>Introduction to financial therapy and why budgeting alone isn’t enough</li></ul><p><strong>13:21 – 15:30</strong></p><ul><li>The <strong>Money-Worthiness Framework</strong></li><li>Challenging limiting beliefs, building self-trust, and the role of community</li></ul><p><strong>15:31 – 18:10</strong></p><ul><li>People-pleasing, and cultural expectations placed on women</li><li>How these beliefs impact earning, saving, and self-advocacy</li></ul><p><strong>18:11 – 21:45</strong></p><ul><li>Preparing for motherhood financially and emotionally</li><li>Funding maternity leave, wellness practices, and not losing yourself in motherhood</li></ul><p><strong>21:46 – 24:00</strong></p><ul><li>Fear-based money behaviors: hoarding, anxiety, and control</li><li>Understanding where “fear of losing everything” really comes from</li></ul><p><strong>24:01 – 27:15</strong></p><ul><li>Why some people can’t hold onto money</li><li>Spending as a reflection of worthiness wounds and external validation</li></ul><p><strong>27:16 – 30:45</strong></p><ul><li>Values-based spending vs. keeping up appearances</li><li>Letting go of money decisions driven by comparison</li></ul><p><strong>30:46 – 33:45</strong></p><ul><li>Increasing income as a wealth strategy</li><li>Breaking limiting beliefs around “acceptable” income in helping professions</li></ul><p><strong>33:46 – 36:30</strong></p><ul><li>Building generational wealth with intention</li><li>Custodial Roth IRAs, 529s, and giving kids financial options</li></ul><p><strong>36:31 – 39:30</strong></p><ul><li>Why funding your retirement is a gift to your children</li><li>Breaking cycles of financial dependence and self-sacrifice</li></ul><p><strong>39:31 – 41:45</strong></p><ul><li>Supporting family financially without destroying your mental health</li><li>The emotional weight of being the “sandwich generation”</li></ul><p><strong>41:46 – 44:40</strong></p><ul><li>How to work with Mariana</li><li>Financial therapy vs. coaching and knowing which one you need</li></ul><p><br></p><p><strong>Key Takeaways</strong></p><ul><li>Your money habits didn’t come out of nowhere—they were learned.</li><li>Scarcity isn’t just financial; it lives in your nervous system.</li><li>Over-spending and under-earning often stem from <strong>worthiness wounds</strong>.</li><li>Budgeting won’t fix trauma—but healing trauma <em>will</em> fix your money.</li><li>You don’t need to do it all alone—community is part of wealth-building.</li><li>Generational wealth is built <strong>over generations</strong>, not in one lifetime.</li></ul><p><br></p><p><strong>Resources Mentioned</strong></p><ul><li><a href="Latinxtherapy.com" rel="noopener noreferrer" target="_blank"><strong>Latinx Therapy</strong></a> – Find culturally aligned therapists</li><li><a href="http://courses.yoquierodineropodcast.com/reset" rel="noopener noreferrer" target="_blank">Free Download: <em>New Year Dinero Reset Guide</em></a></li><li>A 10-step checklist to reset your finances for the new year — covering debt, budgeting, investing, insurance, and estate planning.</li><li>Have a question? Leave me a <a href="https://www.speakpipe.com/msg/s/449160/2/u79sz3qexqzyh0" rel="noopener noreferrer" target="_blank">voicemail</a></li><li>Book:<a href="https://open.acast.com/financiallylitbook.com" rel="noopener noreferrer" target="_blank"> <em>Financially Lit</em> by Jannese Torres</a></li></ul><p><br></p><br><p><strong>Connect with Mariana</strong></p><ul><li>Instagram: <strong>@</strong>lamoneytherapist</li><li>Offers:</li><li>Financial Therapy (California residents)</li><li>Financial Coaching (nationwide).</li></ul><p><br></p><p><a href="https://www.ideatolaunchpodcastproductions.com/" rel="noopener noreferrer" target="_blank">This podcast was produced and edited by Idea to Launch Productions</a></p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

Yo Quiero Dinero

Jannese Torres

How Mental Health Messes With Your Money with Mariana Barajas

JAN 12, 202648 MIN
Yo Quiero Dinero

How Mental Health Messes With Your Money with Mariana Barajas

JAN 12, 202648 MIN

Description

<p>In this episode of <a href="https://www.instagram.com/yoquierodineropodcast/" rel="noopener noreferrer" target="_blank"><em>Yo Quiero Dinero</em>, Jannese </a>sits down with <a href="https://www.instagram.com/lamoneytherapist/?hl=en" rel="noopener noreferrer" target="_blank"><strong>Mariana Barajas</strong></a>, licensed therapist and money coach aka <a href="https://www.instagram.com/lamoneytherapist/?hl=en" rel="noopener noreferrer" target="_blank"><strong>@</strong>lamoneytherapist&nbsp;</a></p><p>to unpack the deep, emotional connection between <strong>mental health and money</strong>.</p><p>From first-gen pressure and eldest-daughter trauma to scarcity mindsets, over-spending, money hoarding, and burnout, this conversation goes beyond budgeting tips and gets to the <em>root</em> of our financial behaviors. Because let’s be real: most of us already know <em>what</em> to do with money—what stops us is what’s happening in our nervous system.</p><p>Mariana breaks down how childhood experiences, cultural conditioning, and subconscious beliefs shape the way we earn, spend, save, and invest—and what it actually takes to heal your relationship with money.</p><p>If you’ve ever wondered why you can’t keep money, why you’re afraid to take financial risks, or why success still doesn’t feel like enough… this episode is for you.</p><br><p><strong>What We Get Into</strong></p><p><strong>00:01 – 02:00</strong></p><ul><li>Mariana’s background as a licensed therapist and money coach</li><li>Why mental health and financial wellness must be treated holistically</li></ul><p><strong>02:01 – 05:00</strong></p><ul><li>First-gen upbringing, eldest daughter pressure, and seeking parental validation</li><li>How childhood emotional neglect can shape adult ambition and burnout</li></ul><p><strong>05:01 – 07:45</strong></p><ul><li>Growing up with limited financial resources</li><li>How early awareness of money scarcity impacts confidence and decision-making</li></ul><p><strong>07:46 – 10:10</strong></p><ul><li>The fast dopamine hit of spending once you “finally make it”</li><li>How retail therapy can quietly lead to debt and lifestyle inflation</li></ul><p><strong>10:11 – 13:20</strong></p><ul><li>Identifying subconscious money beliefs</li><li>Introduction to financial therapy and why budgeting alone isn’t enough</li></ul><p><strong>13:21 – 15:30</strong></p><ul><li>The <strong>Money-Worthiness Framework</strong></li><li>Challenging limiting beliefs, building self-trust, and the role of community</li></ul><p><strong>15:31 – 18:10</strong></p><ul><li>People-pleasing, and cultural expectations placed on women</li><li>How these beliefs impact earning, saving, and self-advocacy</li></ul><p><strong>18:11 – 21:45</strong></p><ul><li>Preparing for motherhood financially and emotionally</li><li>Funding maternity leave, wellness practices, and not losing yourself in motherhood</li></ul><p><strong>21:46 – 24:00</strong></p><ul><li>Fear-based money behaviors: hoarding, anxiety, and control</li><li>Understanding where “fear of losing everything” really comes from</li></ul><p><strong>24:01 – 27:15</strong></p><ul><li>Why some people can’t hold onto money</li><li>Spending as a reflection of worthiness wounds and external validation</li></ul><p><strong>27:16 – 30:45</strong></p><ul><li>Values-based spending vs. keeping up appearances</li><li>Letting go of money decisions driven by comparison</li></ul><p><strong>30:46 – 33:45</strong></p><ul><li>Increasing income as a wealth strategy</li><li>Breaking limiting beliefs around “acceptable” income in helping professions</li></ul><p><strong>33:46 – 36:30</strong></p><ul><li>Building generational wealth with intention</li><li>Custodial Roth IRAs, 529s, and giving kids financial options</li></ul><p><strong>36:31 – 39:30</strong></p><ul><li>Why funding your retirement is a gift to your children</li><li>Breaking cycles of financial dependence and self-sacrifice</li></ul><p><strong>39:31 – 41:45</strong></p><ul><li>Supporting family financially without destroying your mental health</li><li>The emotional weight of being the “sandwich generation”</li></ul><p><strong>41:46 – 44:40</strong></p><ul><li>How to work with Mariana</li><li>Financial therapy vs. coaching and knowing which one you need</li></ul><p><br></p><p><strong>Key Takeaways</strong></p><ul><li>Your money habits didn’t come out of nowhere—they were learned.</li><li>Scarcity isn’t just financial; it lives in your nervous system.</li><li>Over-spending and under-earning often stem from <strong>worthiness wounds</strong>.</li><li>Budgeting won’t fix trauma—but healing trauma <em>will</em> fix your money.</li><li>You don’t need to do it all alone—community is part of wealth-building.</li><li>Generational wealth is built <strong>over generations</strong>, not in one lifetime.</li></ul><p><br></p><p><strong>Resources Mentioned</strong></p><ul><li><a href="Latinxtherapy.com" rel="noopener noreferrer" target="_blank"><strong>Latinx Therapy</strong></a> – Find culturally aligned therapists</li><li><a href="http://courses.yoquierodineropodcast.com/reset" rel="noopener noreferrer" target="_blank">Free Download: <em>New Year Dinero Reset Guide</em></a></li><li>A 10-step checklist to reset your finances for the new year — covering debt, budgeting, investing, insurance, and estate planning.</li><li>Have a question? Leave me a <a href="https://www.speakpipe.com/msg/s/449160/2/u79sz3qexqzyh0" rel="noopener noreferrer" target="_blank">voicemail</a></li><li>Book:<a href="https://open.acast.com/financiallylitbook.com" rel="noopener noreferrer" target="_blank"> <em>Financially Lit</em> by Jannese Torres</a></li></ul><p><br></p><br><p><strong>Connect with Mariana</strong></p><ul><li>Instagram: <strong>@</strong>lamoneytherapist</li><li>Offers:</li><li>Financial Therapy (California residents)</li><li>Financial Coaching (nationwide).</li></ul><p><br></p><p><a href="https://www.ideatolaunchpodcastproductions.com/" rel="noopener noreferrer" target="_blank">This podcast was produced and edited by Idea to Launch Productions</a></p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>