EPISODE SUMMARY Every time you've crossed your own budget, broken your spending plan, or said yes to something you couldn't afford, it might not have been about willpower at all. It might have been about boundaries. In this season two finale of the Money Healing Club podcast, Rachel welcomes Natalie Lue, writer behind Baggage Reclaim, host of The Baggage Reclaim Sessions podcast, and author of The Joy of Saying No and her newest, How to Say No: The Scripts. Nat has spent years helping people rethink codependency, people-pleasing, and emotional unavailability. Together, they apply all of it to money: how our relationship with money can be similar to the relationship we have with our parents & how splitting the bill becomes a boundary minefield. "What you say yes to, you're saying no to something else. And vice versa." Nat Lue Key Takeaways: Codependency with money looks like trying to please it, fearing it, or feeling controlled by it. The healthier alternative is interdependence We often relate to money the way we were related to as kids: dismissive when things are bad, only courteous when things are good A no doesn't have to be Armageddon. Most of the time it's "no, not right now" or "no, not this way" A clear no often holds space for a yes ("this won't work, but this might"), which keeps connection intact Boundaries are about what you'll do, not what others must do. You take responsibility for your side of the street Asking "what's your budget?" can unlock more money and more clarity than naming a price first People over-personalize others' nos. Get curious instead of making it about you Speaking up about money benefits everyone. Your honesty often gives someone else permission to be honest too   About Natalie Lue: Natalie is the writer behind Baggage Reclaim, host of The Baggage Reclaim Sessions podcast (with over 300 episodes), and author of six books including The Joy of Saying No and How to Say No: The Scripts. For over two decades, she's helped millions of people rethink codependency, emotional unavailability, and what it actually looks like to live from values and boundaries. She's also a past Money Healing Club guest favorite, and one of Rachel's go-to teachers on this stuff. ⏰ EPISODE BREAKDOWN 04:00 | Money as Your Parent How codependency shows up in your wallet, and why so many of us treat money like a parent we're trying to please. 13:00 | When You Treat Money Worse Than Anyone Else in Your Life The shadow side of your money relationship and why the shame keeps it stuck. 21:00 | The Six Magic Words for Saying No "No, not right now" or "no, not this way." Plus how to leave space for a yes without people-pleasing your way back into yes. 28:00 | Bills, Weddings, and Restaurant Math Splitting the check, "pick your brain" emails, wedding guest costs, and the boundary scripts Nat actually uses. 💌 Connect with Natalie Lue 🌐 Website & shop: baggagereclaim.com 🎙️ Podcast: The Baggage Reclaim Sessions 📱 Instagram: @natlue 📚 Resources Mentioned How to Say No: The Scripts by Natalie Lue (450 scripts for dating, family, work, and yes, a whole chapter on money) The Joy of Saying No by Natalie Lue Off the Grid podcast with Amelia Hruby 💬 Join the Conversation Where do you struggle most with money boundaries? Splitting the bill, family loans, "pick your brain" requests, weddings? I want to hear about it. Click the big orange button on our site right from your phone or browser and leave me a voice message: https://www.moneyhealingclub.com/podcast 💝 Support the Podcast Help keep the Money Healing Club podcast going! If this show has helped you feel less alone or more grounded with money, please consider contributing: https://www.moneyhealingclub.com/podcast 🎧 Your next listen: If boundary work has you thinking about your own reactivity around money, head to How to Stop Reacting and Start Responding (Especially with Your Money). https://www.moneyhealingclub.com/podcast/s2e27 💫 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.