S1 E7: Can one spreadsheet change your life? [Club member Feature]
Use code PODCAST for 50% off your first month and start your money healing just like Haley!
https://www.moneyhealingclub.com/club
Rachel's interview on Off the Grid Podcast with Amelia Hruby
https://episodes.fm/1610399726/episode/ZmU0MGE1ZTctYTNmZS00ZjFlLTk2MTQtNDEzZDZlNmY4NWY2
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In this episode of the Money Healing Club podcast, Rachel Duncan, a financial and art therapist, welcomes Haley, a current club member, to discuss her personal story around money. Haley shares her journey from being financially supported by her family during college to navigating the complexities of starting her own business. Despite her initial success, Haley faced challenges such as debt and anxiety around money, exacerbated by societal expectations and personal choices. Joining the Money Healing Club was a turning point for her, providing practical tools and emotional support to regain control over her finances. Through the club's structured programs and community support, Haley learned to manage her money better, eliminate shame, and work towards financial stability and personal well-being.
00:38 Introducing Haley: A Money Healing Club Member
00:55 Haley's Financial Journey: From Stability to Debt
02:33 Navigating Lifestyle Inflation and Health Expenses
04:04 The Impact of Relationships on Financial Health
05:12 Starting a Business: Investments and Challenges
07:48 Dealing with Debt and Shame
11:55 Joining the Money Healing Club: A Turning Point
15:35 Introduction to the Money Challenge
16:09 Haley's Experience and Insights
16:52 Upcoming Challenge Announcement
18:12 Haley's Journey Post-Challenge
18:58 The Importance of Community Support
20:06 Practical Financial Tools and Strategies
23:03 Long-Term Financial Wellness
26:47 Haley's Future Financial Goals
30:53 Conclusion and Final Thoughts
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Speaker 1: Welcome to the Money Healing Club podcast. I'm your host, Rachel Duncan. I'm a financial therapist and art therapist, and you've come to the softest place to land in personal finance. This podcast is for education and entertainment purposes only. For help with your particular situation, please seek help from a licensed professional in mental health, taxes, and finance.
Here, we talk about all the things we don't usually say when we talk about money. Let's begin.
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Speaker 1: Today on the money healing club, I have a very special guest. I want to introduce you all to Haley, who is a current money healing club member. Haley, thank you for being on the podcast.
Speaker 2: Absolutely. Thank you for having me here. I'm excited to talk about all things money.
Speaker 1: Yeah. Okay. So I just want to hear a little bit of your story. Like before you joined the club, [00:01:00] tell me a little bit when we don't have to get into specifics, but what led you to the club? What had you tried before with money?
Set the scene of Haley from just a few months ago before you joined.
Speaker 2: Yeah, I feel like first I need to Go a little bit back from a few months ago,
Speaker 1: let's go way back.
Speaker 2: Yeah, yeah. I was going to say it's way back. We might go back and forth, but I feel like it's important to know where I was before I even joined the club.
So it makes a little more sense of how it happened.
Speaker 1: We all have our own story when it comes to money. It's so individual. Yeah. We can go back to childhood. We can go way back.
Speaker 2: Love it. So I had been pretty good with money. I thought for most of my life, oh my gosh, I've never been in debt. Like my family helped me out with college. So when I was working part time jobs, multiple, I think three at a time sometimes, like I was putting in the work, like I had savings. I didn't have debt. It was great. And, I managed to make it through that way.
Like I didn't have a ton of money, [00:02:00] but I had enough to not feel scarcity. So then I. Get out of my internship that cost a lot of money. It was like 22, 000 to do this internship and you're working and you don't have time to get a job. Luckily, my mom had saved a bunch of money for me so I could do that from when I was teeny tiny and I'm so grateful for her for doing that.
Interestingly, though, I get out of my internship, I get this job as a dietician and I'm like, cool. This is great. Now I've never made this much money consistently in my whole life.
So a couple things happened.
Like I, as a dietician, I'm obviously into health,
Speaker 1: right? Oh, now I can get the goat cheese or the fancy supplements or the, I'm just guessing here. Yeah.
Is there anything that sticks in your mind of now that I have a fancy grownup salary, what did that signal to you?
That like a lifestyle that you could afford?
Speaker 2: Yeah. I didn't go crazy. I will say that I didn't go [00:03:00] crazy, but it was like, Oh, okay. I would love to treat myself a little bit. A lot of it was like fun beverages. I really like tasty beverages. And as a dietitian, I'm trying new products all the time.
So I'm like, okay, there's this really expensive thing, but whether it's like a meal service or whatever, I was like let me try that. So I know because people are asking me about it. And it sounds interesting it actually sounds like something I might like. So I wasn't just willy nilly trying everything under the sun for work.
Yes. So I definitely tried, different health products and things. And for me, a lot of it was like testing. Like laboratory testing because my personal health I have an autoimmune disease. I've had it since I was 13. And so Finally, I have the money to be able to like have that help for myself and my wellness and Yeah, so it was like Not a lot of testing that I did, but there was a little bit.
And [00:04:00] yeah, so like my health expenses went up because I was finally able to do those things. Fun fact, I was living with someone at the time. And there was a lot of money, like money messages that were very different. I had this boyfriend, we were living together I had historically been on the more stingy side of everything. And when I was living with this person, it was like, oh now I don't have to think that way anymore. I. Became more liberal in my thinking about money, which was very freeing on one end and on the other end, it opened a door a little
Speaker 1: bit, have a pendulum swinging a little too far the other way.
Speaker 2: Yeah. Yeah, I ended up, going onto the relationship side, a little bit, but not too much.
I was paying for most everything. And so it was like one of those interesting dynamics with money where I was like, Oh, this doesn't feel good. And I wasn't able to save as much, even though I had way more money, it was a very interesting time. So that ended and all of a sudden I had some more money again, because I [00:05:00] wasn't paying for extra groceries, all these other things.
So I'm living alone again at this point. And, after, I think it was another Maybe seven, eight months. And I'm still working at this job. And finally I'm like, okay, I'm ready to start my business. That's always been the plan. And so I was ready to start the business. And I was like, okay, I'm making this money in my job. Let me now fund my business and it is very helpful to invest. Of course, we need to learn certain things, all of that. And I certainly invested in a lot of things and learned what I needed to get my business off the ground. Branding is important to me.
So I like got a branding package. It wasn't astronomically expensive. So I'm like still. At this point, thinking logically about my purchases, but also saying, Oh, I need this. I need this. I need this. And then all of a sudden I was like in a little bit of debt [00:06:00] and I just couldn't, I couldn't take control of it because I was like, I don't know how to, I don't know how to manage this because now I'm, I have this business and some of the money's going there.
It's bringing in a little bit. But I have this debt now that's attached to the business. And now I'm not able to fund my personal life the way I was previously, before I started the business. So that's like where. It all started,
Speaker 1: I so appreciate the story. And as you tell it, gosh, it does make sense, right?
And whatever we're doing in the moment completely makes sense. And as we go through adulthood and also our lifestyle inflation, increases and just. I just want to say, lifestyle inflation is a just a natural phenomenon. It happens to everyone.
It's not inherently evil, right? Like you said I got to get some testing that I've been needing, right? Sometimes our lifestyle inflates to a place that we need it to be for health and safety and happiness and things like that. So you're [00:07:00] experiencing that with The stability of a regular job.
And after going through grad school, I've been through it too. We're like, why am I paying for an internship? And I'm doing all the work. And having this experience also with a relationship that sounds costly. It was costly and then, yeah. And then starting the. Business and very naturally. Oh, I'm getting started.
I'm putting things into it. And everyone will tell you, you've got to put money into your business and it's not going to make money right away. And that's all real. But here you are, like, handling on your own as your distress tolerance for debt seems to like be increasing where you had very low distress tolerance.
Way back when and then you're from necessity and maybe from some messaging saying no, okay I'm going to have some debt and getting more and more comfortable with it. Does that kind of sum up? Yeah,
Speaker 2: , that definitely does. And when the debt started I very well went into
I always called it like, Oh, I put myself into debt on purpose. Like I know why I was doing it and I had a [00:08:00] really good reason. And I was like, I don't feel bad about it because I'm getting what I need. Yes. Some of the. business investments that I made early on. There was one in particular that was pretty pricey and it gave me a little bit within the first like month and a half.
And then I was locked into this long contract for six months and still pricey. Couldn't get out of it. It triggered shame, because Oh, now that my debt's getting out of control in my mind even having debt for me was a no.
That's not good. There was a lot of messaging around that. It's so bad to be in debt. Like it's shameful. That's what I was internalizing. And so then So that's one side of it is that the debt was. Scary and shameful. And on the other hand, that like that business investment that I had made all of a sudden, I didn't realize this until I was in the club, by the way, that this investment that I had made learned how to do business this one way and it doesn't [00:09:00] align with me or my values. And now I don't know how to do business the way I want to do it.
Speaker 1: So I was almost like taught you not to do.
Speaker 2: Yeah.
Speaker 1: And we've had some conversations about The coaching industrial complex, and also being in a helping profession with a license where you can never get trained enough. And we also have requirements for continuing education as well as other things. Once you're in any of the health services.
You can spend all your money on all the trainings, both business and professional in the whole wide world. And you are the only one who can put in the friction about that. No one will stop you. The marketing and the messaging, really preys on those of us, I think in helping professions, we all want to get better at what we're doing. A lot of us want to start businesses. And I will say I talk to a lot of people, myself included, who's a solopreneur and thinks we can do this without a business loan.
Speaker 2: Yes.
Speaker 1: Why do we think we can do this without a business loan? Most other industries, a person would get a loan or a company would get a loan to get [00:10:00] started. And why we all think we can go into business for ourselves without a loan. And so a lot of times when I talk to someone and I know that they've got debt, credit card debt, personal debt as well, did that take the place of what a business loan would have.
And usually it's, yes, it's an easier business loan to get in a way. And then, okay, if we reframe it like that, then I'm not digging my way out of debt. I am repaying a business loan. That kind of does change it. And not to say it can't run amok. The thing that would be clear with a business loan, though, is it would have a clear purpose.
If you got a business loan, you would, oh I'm going to use 50 percent for that and 10 percent for that. There'd be a little bit more, you would have to think it through a little more and then you'd get this chunk of money and you would maybe spend it down. It would be a very different process, and we're unfortunately with the debt.
And with these coaches who are incredible at selling things, that this is the one answer, right? It's just too easy to add to it without having a plan.
Speaker 2: Yeah, it is. Especially people like [00:11:00] me, who tend on the I'll say anxious avoidant side of their relationship with money. That is For me, it was a big one.
Cause I was like, Oh my gosh, now I'm ashamed. Now I don't want to look at my money. Now I, if I do look at my money, there's more shame. And when I do, sometimes I can feel a little bit in control, but not really. It's maybe you have like moments of it.
Speaker 1: Yeah. Yes. It sounds like you had a history, like way back when, or maybe before you went to grad school, you had a different concept of yourself with money that ended up shifting.
And that's hard for us when this is not the story I tell myself about myself. Yeah. And that's the hardest thing. That's usually what leads us to seek help when there's something that's not really aligning here.
Okay. So we've got a picture of where you were at when you heard about the club
and how did you decide that was the thing you were going to try after being burned by this other program?
Speaker 2: Yeah. So now about a year ago, I decided to get out of that full time [00:12:00] job and start my own business. At this point, I'm like, I know I need to have control of not only my personal finances, but I need to be able to run a business. And I know if my head is in the sand with personal finances, I'm probably going to do the same thing in my business.
And so the business was a really big motivator for me and just like my overall long term goals with my life. So when I heard about the club, I wasn't planning on joining the club and I haven't told you this yet. Rachel,
Speaker 1: tell me the story.
Speaker 2: I was a total lurker. One, cause yeah, like the investment thing.
And I was like, I'm on a break. I'm on a break from investing in anything., so for the last year after I started my not started my business, but started in it full time, I'd been using this tracker. So it's like just an Excel spreadsheet. Wonderful. This is the best one I had found because I'd tried so many other things.
So I heard about you [00:13:00] on Amelia's podcast off the grid.
Speaker 1: Would you say we were in a kind of anxious place? With money quite at that point. Yeah. Yeah, I would
Speaker 2: say yes because it and it wasn't just oh, My income has gone down. It's oh, I don't have enough to pay the bills And that leads to a whole other slew of shame and whatever you're like Oh, i'm a professional and I can't pay my bills right now.
It's scary. It's really scary.
Speaker 1: Yeah.
Speaker 2: Like a month or two before I joined the club, I found another source of income because I obviously have an income problem right now. And it's taking a while for me to build up the business. I don't want to put pressure on it.
So let me find an alternative source. What I learned in the club is like a midterm solution. That was one of my biggest takeaways, but I digress. I had about a month before joining. I got this alternative source of income. So now I have a little bit more. It's not here yet.
Cause it took me like two months as a contractor. It takes a while to see the money after you've been working. I was like, okay, I have this money coming clearly. I need [00:14:00] some support. And it was literally like one of your emails had come in and it was in September. I remember cause you had the challenge in October.
And I had watched your, like when I first joined your email list, I had watched your free stuff and I loved it. I was like, Oh, this is awesome. And I still wasn't ready. And so when I read this email, it was like, I had a dream that I was like, It was a dream about being stressed with money financially.
And I was just like, Oh my God, if I'm dreaming about this and it's creating so much anxiety for me in this moment, it was just like serendipitous that I, that morning look at my phone and there's Rachel in my inbox and she's like talking about this challenge. And I'm like, okay, I can, I think I could do this challenge.
I'm like, I don't know. There wasn't a lot of logic, there was like, obviously some logic, but in the moment it was like, it was an emotional decision because it was like, I need help. This is bad. Whether it's like the practical help, the [00:15:00] social support, that is so helpful. Yeah, I was like, yeah, let me try it, let me do this.
Speaker 1: And the challenge is a new program that we did. That was only the second time we ran it. And now it's like such a beloved part of the club. Once a quarter, we spend a week. We meet every day for half an hour. I have a spreadsheet where each tab is a different aspect of money.
So it's both bite size and an intense week. Like we try to dive in. Cause I think for myself and a lot of people that come to the club, like we love an intense, deep dive, whether or not you're neurodivergent, tends to, it works for me and I think it works for a lot of people.
So maybe every day we felt like really lead up to it. Get through debt, income, spending, all the different areas of spending, what does it all mean? And we do it all together. And then we get little, little benefits, little tags, if you finish it, little prizes, like we gamify it. And yeah, we do it every quarter.
And, I came to realize that while this more gentle, holistic approach Really does work. We also need that practical. Let's just get it together. [00:16:00] And that was right. Yeah. I think you joined like Sunday and then we started on Monday. It was quick. Yeah, it was really quick. And, it's so cool.
I felt like I got to know the members so much better during that time. And then it really kick started all of the healing, right? Am I crazy that my money is a mess? Some areas are worked out and this is, often it's not a spending problem. It is an income problem. And sometimes we do need to see the numbers to prove that to ourselves and for it to also be like gently held.
So that's the purpose of the challenge. I could just wanted to describe that and that was your entree into the club . I think you showed up to almost every event and we shared a lot. There's very live chatter. I just realized I just caught five subscriptions and we're all cheering each other on to just get our arms around our basic personal finance.
Speaker 1: Just taking a quick pause from my talk with Haley to let you all know that our next challenge, it's our get your [00:17:00] money organized challenge is coming up January 13th through the 18th.
While it's always a good time to join the club and our doors are always open. The challenge week is a really great time to finally sit down with your money with a bunch of really nice people with live sessions with me, tons of support, and you can get your jumpstart to personal finance, just like Haley did.
So again, it's coming up January 13th. Use the code podcast for 50 percent off that first month. You will not regret it. And the club usually more than pays for itself in terms of knowing where your money's going, ways to decrease spending and ways to increase income.
From a more holistic perspective without shame based tactics. We run this challenge every January, April, July, and October. So if you're not already on my email list, get over to money, healing club. com slash challenge. That will get you on our mindful spending email [00:18:00] course. And then you'll know all about the upcoming specials.
Now back to my conversation with Haley, where she talks about this spreadsheet that changed her life.
Speaker 1: So what did you get from that week? I'm curious what did that give you? And what are you now carrying through now that we're in the non challenge part of the club?
Speaker 2: The challenge, Was so helpful for me one because it is a deep dive It was like I wasn't able to do it every single day I just blocked out some time on it's like a sunday At the end of the challenge or whatever and it's like, all right.
Let me just Sit down and look at my money. Cause as I have mentioned being a head in the sand, kind of gal. So you
Speaker 1: just wouldn't know when your head's in the sand, you don't realize you're the only one with your head in the sand.
Speaker 2: Exactly. So yeah, that it was helpful for that reason because there's like external pressure in a good way.
Yeah, I needed that [00:19:00] external accountability to, to look at it. In a different way, look at my money in a different way because I had been looking at it and got better at looking at it. But it still wasn't like something wasn't clicking. I'm like I'm seeing the numbers. I know what my debt is.
I'm very informed on what my situation is. But what do I do?
Speaker 1: What do I do now? What do I do other than like sitting in a shame spiral?
Speaker 2: Yes. And so the challenge allowed me to slow down. So I was able to see exactly where I was. Not only with my subscriptions. My accounts, cause my business accounts were well organized. My personal accounts were not as well organized. So I got those organized. Amazing to sit down and find a system that fits.
Me. And then, yeah, I got really clear on the subscriptions and I wasn't paying as much in subscriptions as I was making myself feel like I was paying. I was like, Oh my God, it's so much. This is horrible. This is my problem. [00:20:00] It wasn't. Not at all.
Speaker 1: Oh,
Speaker 2: that's
Speaker 1: so good. Sometimes it's Oh, that's not the problem.
I thought that was the problem.
Speaker 2: Yeah. Every single tab on that sheet is just amazing. So my favorite part though, was after I went through and got everything laid out, the best part is the summary. The summary changed my life, Rachel.
Speaker 1: Okay. Folks, I didn't know this.
Speaker 2: It's the best, for me anyway. So what was so helpful for me with the summary was it's color coded. It looks pretty. It's fun, which is helpful.
Speaker 1: I try to make it an approachable spreadsheet.
Speaker 2: Yes, so yeah, it looks pretty, but also the colors are, Helpful for a reason.
So I could see, okay, like how much do I need to actually increase my income to be in a comfortable place, given that Yes, I have subscriptions. Everyone does. I have the subscriptions. I have the health care [00:21:00] costs, all these things. And I want to be saving I need to pay taxes.
All of those pieces were really well put together and in a way that made sense to my brain because I've never. Seen it laid out in a way that was just so easy to see everything and so clear to understand. Yeah. And that includes like those expenses. The word's not coming to me, so feel free.
I'll just start listing them. The is it, no, it's the midterm expenses
Speaker 1: or out of the blue.
Speaker 2: Yeah. Cause I'm just like never knew how to to save for those properly. And now I have. A good idea of how to do that. Like previously, I didn't have a problem cause I always had money. And then when you don't have the money, you're like, wait a minute, how do I get back to a place where I can money away for those midterm expenses and like actually plan for things.
So that was really helpful. And it just made [00:22:00] me feel seen so calm, especially with all the support from everyone in the group. Just like amazing
Speaker 1: all around highly recommend, by the way, so glad I know. And it was, when I was building it, it's okay what is this all leading to?
What is a useful thing? And after putting in all your numbers and take some work I can't say that it doesn't and. I don't know about you. But an app isn't the answer. There's something about rolling up your sleeves and getting into a spreadsheet and entering the information yourself and doing all that.
Instead of an app, like making guesses or not connecting to your banks. What I find a lot of people is oh, they get an app. I think it's the answer. Then it doesn't connect to their bank right away or like the interface is weird and they throw it away to say, I'm bad with money. And so we just need to sit down with a spreadsheet, right?
That's the thing where you have a little more control and a little bit of more of your say so and also like if you have a pet, for example, is like really budgeting for those expenses and the surprise out of the blue stuff that aren't quite [00:23:00] emergencies.
That's like my big thing. Hey, this isn't like living on beans and rice. This is like, how can you live a life where you have money for all the things that are important for you, for your health and safety and happiness and saving like we, and then reverse engineer the income.
Therefore, the kind of income you need is this. And you'd be like, Oh, because I think sometimes I just need more money. I feel like we got to get a lot more specific because more could mean 1.
But the real power is to say, what does my life cost? My good life costs get my arms around that and then my income is something different. My income covers that good life plus more. And that's generally the direction that, good financial practices, good financial self care comes from is when we know those 2 things.
What's my like, keep the lights on budget. What's my good life? And then that informs what we need to look for in earning.
Speaker 2: Yeah, absolutely. No, I'm so glad you explained it that way. Cause when [00:24:00] I first heard you talk about money like that, I was like, Oh gosh, cause I've heard people talk about it in similar ways.
Yeah, of course, we need to find the number that works for you. I had done that probably three or four, probably even more times. I had talked to my just like regular therapist about money several times. She's not a financial therapist, so there was only so much she could help me with.
I talked to an actual financial therapist probably for a couple of months. And we worked through a lot of shame and stuff, so it's not like I went into this not having done anything.
Speaker 1: You had already done a lot of work. Yeah, a lot of books. A lot of books, a lot of getting some help and stuff, and you had some good foundations.
And I love knowing that because I, this is why I wanted to create a club that had, an easier barrier to entry as this is also maintenance. Sure. Come in, do the intense work, do the challenge, but we're never really done with money.
Speaker 1: then this is something that is, a longer term commitment, maybe even though it's still month to month, but like that you are [00:25:00] part of.
Yeah. Because Hey, what about if that contract falls through, like life is just going to happen and to have a framework and a community of people to help navigate than just the natural ebb and flow of life's ups and downs that you just can't get. If you're just gonna be a weekend warrior with money and it's just a longer term relationship.
Speaker 2: Yeah, it is. No it's so important to, to see it that way too. Not just in the club. That's my favorite place to do this work, of course but just in general to see it as like a long, we know it's a long term thing. It's just like food again. We're going to have to, we eat every day. We use money every single day.
It's something that you have to know about and be intentional about for just like wellness in general. It's those are two of the main pillars of wellness is like your physical health. Of course, mental health. We'll add a third one and finances. Yeah.
Speaker 1: Exactly. We have to interface with this stuff every day. So it's gotta be, and they both have the opportunity to be so [00:26:00] nourishing, like literally nourishing. You do not have to have a dramatic relationship with, either of these things. It doesn't have to be understandable if it is, but there is a way to be at peace with both of these things.
And it takes some deeper internal work. And I think having healthy guides around us is so important. It's really hard to do alone. I'm going to say that's not just a pitch, like any of this work, it is really hard to do alone. And just like this morning, we had a group call with the club.
Where, someone thought, oh, I either have to do it this way or that way. There's only two choices. And as we started brainstorming within the club members, oh, there's five ways you could do this. And she's I didn't even know, like my dad told me there was one way or the other.
You got to have more people than your dad to talk to about money. So we can open this up a little bit. Okay.
My last question for you is What's next in your money journey? Like you had huge insights. You joined, you got organized with the challenge. You've been part of this and sitting with it.
Like what's next for you in your money [00:27:00] journey?
Speaker 2: Yeah, my first thought is to just continue expanding, like all of the empowerment that I felt from being in the club. The accountability has been so helpful for me and just knowing that, yeah, I'm not the only one struggling with money.
Like I knew that logically, but I didn't feel that until I was in the club because you didn't see it
I'm that person who hasn't talked about money very much with many people. And if I did, it was in those individual relationships and yes, it was helpful, but there was something missing.
There's something about being in the group. So continuing the group work. Yeah, just being in a community that, that shares the same values that is working on their money. And of course my. Hope with that, and my plan with that is to get not only my personal life back to a place where I just feel super solid and stable, and I have more than enough.
That is [00:28:00] my goal there. I want more than enough so that I can give back to others and even, In my business, I need to have that be stable and supportive and feeling good for me. Otherwise it's just not sustainable. So those are two big goals, both personal and, in business with money, just the sustainability.
Before joining the club, I wasn't very positive about it. I was feeling quite hopeless at the time. And I remember saying that in a couple of our calls oh my gosh, this just brought me hope, like my very first call with you guys. And it did, it was crazy. I was like, oh my God, I didn't realize how much I needed this.
I didn't have any hope at that time with money. And having the hope and yeah, just working towards that sustainable future for myself so that I have the resources to give back to others is really important for me.
Speaker 1: It's so lovely. And. You have such a generous spirit in the club
it's so nice to be able to hear people's [00:29:00] stories . We really don't do a lot of advice giving, but we do, we share resources and ideas and it's a place to share wins and share struggles and there's something just about sitting in that, that for those of us where, Money avoidance has been one way of dealing with the stress.
Hey, that's one way to do it. You can avoid it, but being in the club, it's top of mind and it's safe to be top of mind where like maybe it hadn't felt safe before. I just love all of this for you. I'm a huge cheerleader. I'm a huge Hailey cheerleader.
I really believe in you no matter what happens with your income or business. Business success does not equal personal success, and it just seems like you've really come to trust yourself like, Oh, I actually I'm good with this. I can make good decisions. You have built a narrative of understanding how you are at the place that you're at, and you're walking your talk.
You're sitting in the ambiguity and learning what you can and connecting with people where it feels good. And right. And that's something much deeper comes out of [00:30:00] that. And there might, that might reflect in your bank account as well.
It's not a one and done, you will never hear me use the word abundance because I don't think it means anything, but okay, if we're talking about X amount of income so that I can retire and so I can save so I can live a happy and healthy life. That's a lot more specific. And that seems like that's the idea that you're building and I'm here for it.
Yeah. Thank you, Rachel. That is so sweet.
Speaker 2: You are you and everyone in the club is just so encouraging and just so helpful in general. I just love having the community mind is so important when you're doing this work. Yeah. It's so important. Cause, you're not alone and you don't have to be, that's it
Speaker 1: It's cliche, but it's like greater than the sum of it's parts we're all in this together. We really are. And we have an individual stories, but we are in this this money healing together. Haley, thank you so much for offering to come and talk on the podcast and I'll see you at the next money healing club event. [00:31:00]
Speaker 2: Yeah, sounds good. Thanks, Rachel.
Thanks for listening to the Money Healing Club podcast. You can find resources and links from this episode in the show notes at moneyhealingclub. com slash podcast. If you enjoyed this episode, you'd probably really love my free email course on curbing impulse spending with compassion and mindfulness.
Check it out at moneyhealingclub.com/ challenge. Do you have a question about how financial therapy might help you? Leave me a voicemail at moneyhealingclub.com. And I might answer your question in a future episode of the pod. We are in this together and I really appreciate it.
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