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Shame and Guilt – blocking Wealth Building Most conversations about wealth building focus on behaviour: budgeting, saving, investing and planning but rarely emotion. Shame and guilt can have a massive influence on our decisions, and they are frequently woven into the money scripts we pick up early in life. If you’ve ever looked at your […]
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Transitioning into retirement is rarely easy. I met with a client earlier today who is fast approaching her planned retirement and feels deeply uneasy about the shift ahead. On paper, she has sufficient resources to last her lifetime. She has saved consistently, planned carefully and done everything “right”. She said to me: “I know […]
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I’ve always felt a real energy when I’m working with a couple on their financial future and both of them are fully engaged in the process. You can see it immediately. The conversations are better, the decisions are clearer, and progress feels more intentional. I’ve seen the difference it makes when money stops being an […]
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When Financial Safety Comes at the Cost of Peace Money vigilance is often the most socially praised money script. It looks responsible, disciplined and sensible. And in many ways, it is. If you grew up believing that money must be watched closely, protected carefully and never taken for granted, you may be operating with a […]
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When Self-Worth Becomes a Price Tag For some people, money feels like safety. For others, it feels like success. If you grew up believing that how much you earn, own or display determines how you are seen, you may be operating with a money status script. At its core, this belief sounds like: “My value […]
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When More Never Feels Like Enough For some people, money feels uncomfortable or even wrong. For others, money feels like the answer. At its core, this belief sounds like: “Once I earn more, save more or reach a certain number, everything will settle down. Then I can relax. Then I will be happy.” This […]
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Why “Being Good With Money” Can Feel Wrong and How to Gently Rewrite the Script** Most of us absorb our beliefs about money long before we ever earn any. By the time we reach adulthood, these early messages behave like background software: automatic, familiar and usually unnoticed. One of the most common is the money […]
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The 4 Money Scripts We All Picked Up as Kids (And that are probably still running your financial life today) 1. Money Avoidance Core belief: “Money is bad, dirty, or the root of all evil. Wanting more makes you a bad person. Rich people are greedy.” What it looks like as an adult: Under-earning on purpose, […]
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True wealth extends far beyond investments and balance sheets – it’s as much about the stories we leave behind and the wishes we honour. This time last year I headed to Belgium to compete in a bicycle race. Before I left, I mentioned the trip to one of my long-time clients during a routine […]
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When it comes to giving a lot of people freeze and never get started, worrying about motives, efficiency, or simply where to begin. There is no single “right” way to give. The best approach is the one that aligns with your values, fits your cash flow, and turns giving into a repeatable habit rather than […]
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