Money Healing Club Podcast

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.

What if the answer to overspending isn't willpower, but simply... buying nothing new for 30 days? Rachel chats with Angie Fitzpatrick on the Money Healing Club Podcast to discuss Ashlee Piper's book "No New Things: A Radically Simple 30-Day Guide to Saving Money, the Planet and Your Sanity." They explore why we have so much stuff we don't need, how the returns system is broken, and why borrowing your neighbor's rubber bands might be the key to building community. Plus: the surprising link between gratitude and impulse spending.   💬 "Only 2% of purchases were returned 25 years ago. Now we send back 3.5 billion products a year worth a trillion dollars. We are buying stuff that we're not even using, then we're sending it back."   Key Takeaways: • Overconsumption affects your money, mental health, AND the environment simultaneously • The average American has 300,000 things - no wonder we forget what we already have! • Cultivating gratitude practice directly reduces impulse spending (backed by eco-psychologists) • The SUPER acronym helps you find alternatives to buying new (Secondhand, Upcycling, Paying nothing, Renting) • Tracking your triggers reveals the patterns driving your purchases   About Angie Fitzpatrick: Angie is the program manager of the Money Healing Club community and returning podcast guest. You can catch Angie sharing about 🚺What the Wage Gap Doesn’t Tell You: The Hidden Financial Burdens Women Face   ⏰ EPISODE BREAKDOWN 02:30 | What Makes This Buy Nothing Challenge Different How Piper turns a simple challenge into a manifesto against hyper-consumption 08:00 | The Rubber Band Win: Community Over Commerce Real stories of borrowing from neighbors and building unexpected connections 23:00 | The Trillion Dollar Returns Industry How "no questions asked" returns spawned a reverse logistics nightmare 31:00 | Tracking Your Triggers Identifying what drives you to shop and replacing it with actual joy   📚 Resources Mentioned • "No New Things: A Radically Simple 30-Day Guide to Saving Money, the Planet and Your Sanity" by Ashlee Piper • "The Serviceberry" by Robin Wall Kimmerer   💬 Join the Conversation What's the ONE category you could commit to not buying new for 30 days? Holiday decor? Clothes? Food? What childhood hobby could you rediscover instead of shopping? The Money Healing Club podcast wants to hear your "no new things" commitment - click the big orange button to tell us your story: https://www.moneyhealingclub.com/podcast   🎧 Your next listen: Check out our episode on impulse spending to understand the emotional drivers behind the urge to buy. https://www.moneyhealingclub.com/podcast/s1e1-hn73w   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

Episode Summary What if the way you've been taught to think about time and money is fundamentally wrong? On this episode of the Money Healing Club podcast, Rachel welcomes Becca Rich, a holistic time coach and self-described money disruptor, to explore how both time and money function as cyclical resources rather than linear commodities we trade.   Together, they unpack why seasonal planning feels safer than rigid schedules, how to build a life that doesn't require you to "earn your rest," and what menstrual cycles can teach us about sustainable planning. Becca brings systems thinking, somatic wisdom, and spiritual depth to challenge our capitalist conditioning around productivity and worth.   This episode includes a gentle discussion about menstruation and body-based timekeeping, skip ahead or lean in, depending on what feels right for you today.   💬 "Approaching anything in a linear way makes us less honest because anything linear is a lie. It's neglecting our true nature." — Becca Rich   Key Takeaways Time and money are cyclical, not linear and understanding this shift can transform your relationship with both resources The belief that "if you give, it will come back" can sometimes gaslight us into ignoring systemic inequalities Procrastination doesn't exist, there are always valid reasons why we do or don't do things Consistency is overrated; what we actually crave is self-trust and safety Planning during low-energy phases (like menstruation or winter) sets you up for realistic success during high-energy times Your body already knows what you need, muscle testing and somatic check-ins are powerful tools   About Becca Rich Becca Rich is a holistic time coach who helps people unravel survival strategies that keep them overworking, overscheduling, and disconnected from their actual needs. With a focus on neurodivergence, capitalism's impact, and creative work, Becca brings a rare blend of systems thinking and somatic wisdom to conversations about time, productivity, and rest. Find her at https://www.beccarich.com/   ⏰ Episode Breakdown 03:00 | The Musical Nature of Money & Time Exploring how cycles, rhythms, and repetition show up in our financial and temporal experiences. 08:00 | When "Giving Back" Becomes Gaslighting How the spiritual belief that money flows back can ignore capitalist systems that vacuum wealth upward and why your body knows the truth about enough. 18:00 | The Original Lie: Linear Thinking Why approaching time and money as linear resources spawns guilt, shame, hoarding, and the feeling of never having enough. 31:00 | Menstrual Cycles as Financial Planning Tools Breaking down the four phases (menstrual, follicular, ovulation, luteal) and what each season teaches us about when to start projects, be social, complete tasks, and rest. 42:00 | Fall as Grief: Why We Avoid the Harvest Examining our cultural addiction to spring/follicular energy and our resistance to autumn's call to complete, grieve, and prepare for rest.   📚 Resources Mentioned 1. Braiding Sweetgrass by Robin Wall Kimmerer 2. The Financial Activist Playbook by Jasmine Rashid 3. The Art of Money by Bari Tessler   💬 Join the Conversation What cycles do you notice in your own relationship with time or money? Does thinking about these resources cyclically open up more spaciousness for you? Click the big orange button on our site and leave me a voicemail, I'd love to hear what this brings up for you: moneyhealingclub.com/podcast   🎧 Your Next Listen Episode: Financial Activism with Jasmine Rashid   💫 Use code PODCAST for 50% off your first month and start your money healing process! moneyhealingclub.com/club   Full transcript: 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.

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 ([email protected]) 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.