Get better with money from the inside out.

The Money Healing Club gives you the one-of-a-kind mashup of emotional support group, money learning classroom, shoulder-to-cry-on, creative healing space you didn’t know you needed. It’s called Financial Therapy, the best kept secret to getting good with money, and you’re warmly invited to join us.

 Rachel Duncan 

Financial Therapist

& Your 🤑 Guide

From impulse spending to avoiding looking at your bank account, you KNOW that your relationship with money is emotional. The chaos and stress of money sends you into “fight or flight” mode. And the only advice you hear is “just make a budget!” and “stop buying lattes!”

But if that actually worked, you wouldn’t be here. And I’m so glad you are.

Managing your money is about 20% logistical, and 80% emotional. What if I taught you to learn to work with your emotions instead of denying them? The Money Healing Club gives you a revolutionary approach to personal finance that centers on compassion and community.

You’re in the right place if

  • You’re pro-therapy (bonus if you’re currently working with a therapist).

  • You’re hard on yourself about your money habits and circumstances.

  • One minute, you’re booking a concert ticket that you probably can’t afford, and the next minute you’re downloading ANOTHER budgeting app or spreadsheet.

  • You’re a woman / female identifying person who’s already on your personal development journey and money is the ONE LAST THING you know you need to work on.

Do you wish you could:

  • Spend less but still live your fun lifestyle

  • Say “not today” to Target, Amazon, Sephora, etc. without FOMO

  • Reduce the urge to impulse shop

  • Talk about money without shame or guilt

  • Know when you’re being sold to and tricked by really good marketing

  • Spend money in ways that are aligned with your values

  • Pursue more income without feeling sleazy

  • Feel worthy to hold on to your money (aka save)

  • Step out of the chaos and develop (and keep) solid money habits

  • Feel the trust in yourself that you have money in the bank

You’re invited to the Club💖

💸 The Money Healing Club is the only space on the internet that delivers judgement-free education + creative practices + tools + support to finally get better with money💸

What you get in the

Money Healing Club 🎁

  • You'll get the most value out of your membership by coming to the live events. We have a weekly rotation of money master classes, art & money healing sessions, book & film club, group money coaching and live co-working sessions on Tuesdays at 5pm PST / 8pm EST (US). We also have monthly midday money coaching drop-ins. You can attend as soon as you join, no waiting for a cohort to start!

    Workshops/masterclasses are recorded to the library.

  • Each quarter we run a 5 day sprint/challenge to support you in getting a clearer picture of where your money is coming and going. You'll be given a Google sheet template, daily live guided sessions and reminders to help you finally figure out how where your money is probably going, and how much your cat really costs you 😺

    Members have found that using a spreadsheet before trying out a budgeting app is an important step to understanding their money without getting overwhelmed about tech.

    You end these special weeks knowing where to cut back, what to watch for, and how much income you really need.

  • You'll have immediate access to our lessons in money healing which covers both practical and tender aspects of money healing.

    • 🛠️Nuts & Bolts: Income, Spending, Borrowing, Saving

    • 🤔 Fundamental Concepts of Money Healing

    • 👩🏽‍🎨 Heal with Creative Practices

    • 🪴 Go Deeper and Grow

  • Get your money picture organized, maybe for the first time, with our step-by-step spreadsheet with a mini course. You get a minimalist Google Sheet where you can plunk in your money facts and see everything all at once. Comes with a micro course to walk you through it, and support in the Club to make sense of the results and take the right actions.

  • Ask a question, share a struggle, share a win, get some love, participate in a challenge... it all lives in the forum hosted on Circle (not a Facebook group!)

  • Need more individual guidance and support? Club members get first invitation and discounts for our 12 week intensive small group program, the Healing Circle. You'll also have easy access to book 1:1 consultations with Rachel at a discount.

Let’s do the math…

What does impulse spending cost you now?

Think about your last Target run, Sephora splurge, Amazon gadget, Zara outfit, Ikea experience you weren’t planning on … what did you drop? $50? $100? $300?

Compare that to the cost of just one month in the Money Healing Club. What if 1 month of learning about impulse spending keeps you from just ONE of those impulse purchases a month? The Club pays for itself.

  • Why is money so emotional?

    You interact with money daily, if not hourly. Plus, money seeps into all the unfinished business: relationships, career, childhood, class control, identity, and even pleasure. So it makes sense to work with a guide who has expertise in how to work with money’s emotions instead of sweeping them under the rug. As a Financial Therapist, I have training and loads of experience in the psychology of money, therapy practices, and personal finance.

    My approach is to help you process the emotional content of money before helping you organize it. It’s messy work that is unique to everyone, and that’s why doing this work in the Club is such an effective way to get better with money.

  • What is Financial Therapy?

    When I tell people about my work, most people respond with “financial therapy s a think?! I’ve never heard of that, but I already know I need it!”

    If you’ve never heard of financial therapy before, the concept is as simple as its title: FINANCES + THERAPY. Simply, I bring the topic of money into the context of your emotional experiences, and I use my skills as a therapist to guide you through healing and learning that s trauma-informed, culturally competent, and most of all, kind and healing.

  • It seems like other people just "understand money"

    Your money journey will be as unique as you are. What works for others simply might not work for you. I’m here to guide your transformation as I have for many others.

    There are no “quick fixes” or “tips & tricks” to becoming financial healthy. By joining the Money Healing Club, you’re making a brave step towards lasting change, in a shame-free, judgmental learning environment.

💖 Hear it from women who get it 💖

  • "My relationship with money was fraught with deep-seated beliefs in scarcity, lack, and an overwhelming sense of shame whenever the topic arose. However, the Club, under the gentle guidance of Rachel Duncan, has taught me invaluable lessons about myself and the limiting narratives I've carried for years."

    Quiana

  • "I was relieved to know that I wasn’t ALONE. Finally, other people get it and are experiencing the same things that I was hiding in shame and could no longer talk to family and friends about. I knew deep down I couldn’t quite figure out this whole money thing on my own, Rachel’s soft and welcoming presence is like the care I always wanted from my parents."

    Maddie

  • "I learned useful tools to handle and track my money, I met other people who helped me feel less alone in my fear of money and I can now speak about and look at my money without becoming severely dysregulated. Rachel is a wonderful guide in this community and brings warmth and professionalism to a highly charged topic. I cannot recommend the Money Healing Club highly enough."

    Jean

  • "The past few months I've been finding myself again. Stripping away the things that aren't for me, and adding in the things that are. The Club is a huge part of that. The community and support I've found with my fellow members has empowered me in ways that extend far beyond just improving my relationship with money. Most importantly, it's helping me improve my relationship with myself."

    Cait

  • "Being part of the Money Healing Club has been incredibly supportive. Rachel, thank you for creating such a welcoming community. It has been comforting to know others are going through similar financial journeys. Since joining, I’ve become much more conscious of my spending habits and have taken the first steps towards understanding my overall financial picture. This is just the beginning of my healing process, and I’m moving forward with hope and optimism. "

    Amanda

  • "With Rachel’s help and the Money Healing Club, I was able to get four bank accounts in the positive, pay off my credit card, create and use a budget, and understand my income vs expenses. It has been so beautiful and powerful to realize how many others are experiencing the same thing I was."

    T.W.

  • “The Money Healing Club has been just what I needed to get my finances back on track. From the financial lessons to the healing exercises to the supportive community I am gaining more confidence with my finances and finally processing decades of shame and fear around money. So grateful for this space and excited to keep growing with the program.”

    Angie

  • “Being raised in a family that does not provide healthy tools for managing money (especially for women) coupled with undiagnosed ADHD leads to crippling feelings of inadequacy and shame around money… Healing in community helped neutralize the shame that had kept me stuck for so many years… I have seen more positive results in the last 6 months than I have in my entire adult life and I know that the MHC is my key to success!”

    T.M.

  • "The Money Healing Club has helped me to feel less alone in my money struggles. I am learning that the issues I have with overspending have much deeper roots than I had realized and that I have a lot of healing to do in order to change these habits. The MHC has been a great place for the community around these issues and for learning ways to make improvements. It has been instrumental in my journey to building a better relationship with money and I am so glad I joined."

    Rachel

I'm ready to join

I know you’re tired of financial stress, but you can’t seem to get out of your own way.

Money Healing Club is the perfect place to start your money healing journey.

Money doesn’t have to

  • Trigger you every time you open your bank account

  • Create secrecy and resentment in your relationships

  • Leave you with lingering shame about debts you have no idea how you’re going to pay

  • Feel like a mystery that everyone else has figured out

The Money Healing Club is the

softest place to land in personal finance.

A note from Rachel:

I’m Rachel Duncan, a Financial Therapist and Art Therapist and I’m passionate about helping impulse spenders and money avoiders learn to trust themselves. I created the Money Healing Club out of a commitment to provide an affordable, compassionate, trauma-informed space for women to heal their relationship with money.

Everyone has a right to have loving, patient, and un-biased conversations about their money. You’ll find that financial therapy has lasting impact, not just on how you see your money, but in the value you put in yourself.

Rachel’s cred:

  • MA Mental Health Counseling & Art Therapy

  • Certified Trauma of Money™

  • Certified Financial Social Worker

  • Certified Financial Therapist-I™ Candidate

  • ATR-P - Registered Art Therapist - Provisional

I love your rebellious spirit and I see your inner struggle. You are more than your bank account. You are worthy of the safety that money can provide.

-Rachel

How my approach is different

Getting better with money is not an informational process, it’s a transformational process.

Adapted from Lindsay Bryan-Podvin

Members join the Money Healing Club after many attempts to "get better at money," feeling practically hopeless about their financial skills. Within three months of coming to Club meetings, they often notice a remarkable transformation: they can talk about money with ease, see a decrease in impulse spending, take realistic practical steps, and quite often, their money shame has evaporated.

What sets the Money Healing Club apart from other personal finance programs is our compassionate and inclusive approach. I understand that the last thing you need is another restrictive, judgmental voice telling you that you’re a bad person because of your spending. Instead, our Club offers an antidote to the dry, often harsh advice found on the internet.

Here, you'll get support to anticipate struggles and love yourself through setbacks. We help you organize your finances at a pace that works for you, addressing your big feelings along the way.

To improve financial health, we must de-center male whiteness as the default in personal finance education. We critically examine consumerism and encourage efforts to de-influence—not just to spend less, but to reconnect with your values and happiness.

The Money Healing Club is not a bootcamp or a self-paced course or a replacement for therapy (though it makes a great addition if you're already in therapy). It's a community learning environment designed in the way women heal best: safe and honest spaces where both emotions and intellect are celebrated and honored.

Once you're in the Club, you'll get exclusive access to even more ways to get help and guidance, from small group intensives to 1:1 consultations as optional add-ons to customize your membership and learning experience.

“Rachel’s approach is one of dignity, compassion, and grace, reminding us that our journey toward a healthier relationship with money is as much about self-discovery as it is about financial literacy.”

- Quiana

FAQ

  • There's no criteria for you to join the Club. It's common for our members to:

    • carry consumer debts and back-taxes

    • be neurodivergent

    • have history of addictions (although I ask that you're in recovery to join the Club)

    • have conflict with family around money

    • under-earn

    • receive public assistance

    • never have had a kind conversation about money before

    No one is beyond help. If you have specific questions, please email howdy@moneyhealingclub.com.

  • I view a budget as one of many tools to get better with money.

    If you feel that planning your week or month of spending and keeping track of it and making some uncomfortable choices feels supportive, then yes, we have resources to teach you about budgeting.

    However, if you just KNOW that a budget is not your style, you'll love how we don't focus on them. Intentional, intuitive spending habits don't come from a strict set of rules. And many of our members find that their spending slows down and feels better the more they learn about the impacts of consumerism and financial trauma in the weekly live events.

    Basically, budgets are there. They may help, they may not. It's not a big focus in the Club.

  • You can cancel any time. (email howdy@moneyhealingclub.com)

    I also want you to prepare for about 3-6 months of active participation in the Club in order to experience a deep down and permanent change in your money behavior.

    This ain't instant-oats kind of work. It's the "steel cut oats" approach to personal finance - takes a bit longer, but the result is way yummier 😋

  • There are no guarantees of financial results by joining the Club. The money healing process can only happen when you show up and take an active role in your healing.

    It tends to take 3-6 months of active Club participation to notice real changes in your money habits. And sometimes it feels worse before it gets better when we're learning something that we've been avoiding.

    Money work is tender stuff, and I don't pretend otherwise.

    But if the Club isn't a good fit for you, there are options:

    • Upgrade to the Healing Circle, our 12 week small group intensive that gives you the accountability and structure you may need (see moneyhealingclub.com/healing-circle to get on the waitlist)

    • Book a few private 1:1 consults with Rachel to get direct support and jump-start the work *only available to active Club members

    • Cancel any time by emailing me (howdy@moneyhealingclub.com)

  • We have themed months in the Club and the events all relate to that theme (e.g. mental health, income, resolutions, and more...)

    Each community call is an hour long, and has a money-related topic, rotating between masterclasses on personal finance, creative healing, open office hours with Rachel, book and film club, and co-working sessions. Each month of live events gives you a 360 degree perspective on an aspect of money.

    After introductions and warm welcomes, there is a prepared lesson and discussion. We ask that members keep what's said at these events private and honor the value of safety in sharing vulnerably.

    You have the option to work through additional money healing lessons and get organized with our spreadsheet (which comes with a mini-course) in between live calls.

    Masterclasses and book clubs are recorded and posted within 2 days.

  • In addition to Financial Therapy, I'm also a trained Art Therapist. Once a month our community event is a guided art-making session around something intangible about money.

    From your experience with Class, to your family's attitudes around money, art-making can help you process those heavy and hard-to-pinpoint aspects of money.

    • No art experience necessary

    • No requirement to share your artwork (just invitations)

    These sessions have become a fan-favorite in the Club!

  • Participation is not required, we love a lurker! But you will be lovingly invited to share.

    Members who come to the live events, watch the lessons, and share their wins and struggles develop healthier money habits compared to those who sign up but don't show up.

    Be known. You'll be accepted. You'll find it's less scary than you think because you'll be in good company.

    • We don't rely on "quick tips and tricks' or "money hacks"

    • No cookie cutter process

    • The Club and curriculum are led and designed by a credentialed expert in Financial Therapy

    • We look at the long-game, no weekend bootcamps here

    • We integrate image making and creative processes into some of the community sessions which lets you look at your relationship with money in a whole new way.

From the weight of debt to worries about your future, no one is beyond help. The Money Healing Club meets you where you are and supports your unique process of financial improvement. It just might be the first place you don’t feel alone in your struggle with money.

The information provided in or through this Website is for educational and informational purposes only and solely as a self-help tool for your own use. It is not a substitute for professional mental health, legal, financial or tax advice. More information here: Disclaimer