Your Money, Your Rules | Financial Freedom, Money Management, Abundance Mindset, Budgeting, Financial Planning

125 | How to Create Generational Wealth That Goes Beyond Money

• Erin Gray | Spiritual Wealth Coach, Former Certified Financial Planner and CFO

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What if generational wealth isn’t just about money?

We’ve been taught it’s all about assets and tax strategy.  I believe the real legacy is about your money beliefs, patterns, and energy your kids pick up from you every single day.

Many of us are the first in our families to build real wealth in our 30s and 40s, often from a foundation of scarcity and stress. And we know that just having money doesn’t create safety.

 In this episode, we dive into:


 ✨ Redefining generational wealth beyond just financial assets
 ✨ How money beliefs and energy get passed down (often unconsciously)
 ✨ Why a regulated nervous system leads to healthier financial decisions
 ✨ Small ways to start shifting the money language in your home
 ✨ How simply becoming aware of your patterns can start changing everything.

Want to learn more or connect with me?


Step 1: Join my FREE Facebook Community.

Connect, share, and learn how to master your money with other women just like you.

➡️ Join here: https://www.facebook.com/groups/941450038160915

Step 2: Grab your FREE Human Design chart

Curious what your Human Design chart reveals about how you're uniquely designed to make aligned financial decisions?

➡️ Get your chart here: https://generatealifewelllived.com/receive-your-human-design-chart

Step 3: Ready to transform your relationship with money and build true financial confidence?

Let’s create a plan that feels aligned, intentional, and empowering—just for you.

➡️ Schedule your free clarity call here (https://tidycal.com/eringray/45-min-call-with-erin)

Money doesn't have to feel overwhelming. Let's create a plan that feels nurturing and custom to you.

From my soul to yours,

Erin

Erin Gray:

When you hear the term generational wealth, what comes to you? Is it possibility? Is it pressure? Does it feel like a big responsibility? In today's episode, I want to share my belief on what building generational wealth actually means and how you can start creating it right now, no matter where you are, and if you're ready to build not just more wealth, but actually a relationship with money that feels safe and steady and joyful and deeply aligned. I would love to support you. My mission is to help amazing women who want to change their money story for themselves, for their children and for their generations that come after. The link is in the show notes to schedule a consultation.

Erin Gray:

Welcome back to your money your rules podcast with me, erin Gray. I'm grateful that you are here joining me for another episode, so let's dive in. Okay, so let's talk about actually what I believe generational wealth actually is. You know the financial world, the financial industry has us believing that it is assets that we have accumulated, allocated and structured throughout our lifetime and so that we have allocated them appropriately, titled them appropriately, so that we can pass them on to our heirs with the least amount of taxes and interference like probate, attorney's fees, et cetera. But I believe that it's so much more than that. I believe it is also the beliefs, the patterns, the energy that you pass on, or I should say, the energy that you live in while you are on this planet, and the beliefs that your children pick up from you right now, today, so many of us inherited scarcity, anxiety, secrecy around money, and breaking free from that is, I believe, also generational wealth. Teaching our children about money so that they can feel empowered and that they can change their lives in the world I believe that, like that is truly generational wealth, and why I believe this actually matters is that many of us are the first in our families I mean, this has been true for me and also a lot of my clients is that we are the first in our families to build wealth in our thirties and our forties. Like not actually retirement is when we got to you know that amount of wealth and like how our grandparents or our parents might have. And but many of us built it or have built it from that place, from scarcity, from not enough, from fear. And where did we get this? From our parents, right, our parents didn't know any different because they learned from their parents. So, on the one hand like congrats to us right For rewiring what is normal, the expectations, what we believe is possible for us and our lineage, and the time that we could create that amount of wealth. Like that's huge, like pat on your back, so grateful, so proud of yourself.

Erin Gray:

You know, having money, living the lifestyle that we are used to living, like our children have vastly different lifestyle or childhood that many of us had. I mean, I pretty much sure I wasn't getting massages, like my daughter asked me this morning mom, when was the first time that you got a massage? I'm like 25. She's like I was eight. I'm like, yeah, I know. Like just just, the lifestyle that our children have now is very different.

Erin Gray:

And what we do know is that we don't want just more money. We want freedom with our money. We want more ease with our money. We want to feel safe with our money. We want to feel safe that money is always going to be there for us. We want our bodies to know that money flows in and it flows out, just like our breath. I think we truly want prosperity and abundance, and prosperity is defined as how you actually feel when the money is spent and being in a constant state of flux. It's having everything you want right now and knowing that more is coming. We want true prosperity and abundance and this is why I believe that it's so important to actually teach your body that it's safe to have and to circulate money.

Erin Gray:

It is the nervous system work that so many of us are craving or maybe you're already, you know, deep in this work right now, because we have all seen that simply having money sitting in a bank account doesn't automatically equal or create safety. You know, if money still feels chaotic or it feels threatening, your body holds that stress. That is when you find yourself making reactive decisions, because you are in those lower three chakras. You are in that survival state of being versus, in that creative. You know this. This looks like hoarding, this looks like undercharging, this looks like avoiding your finances altogether. Or you know, buying the when I say cheapest thing, I mean what costs the least. But that's not actually what you want. But when you learn how to regulate your nervous system, when you learn how to approach money with more calm and ease, that is what you begin to model and your children pick up on that. That is what you pass down and that, I think, is even more powerful than any dollar amount that we could ever give to our children. You know, the safest thing that you can give the next generation, it's not a financial inheritance, it's not more money, it's your own healed, grounded relationship with money.

Erin Gray:

So you might be saying, okay, aaron, that's great, I'm all in, I hear it, but how do you actually do this and everything? I will say this to the end of time everything starts with awareness how you are thinking, how you are speaking about your money currently with your spouse, with yourself, in your head, with your kids. Pay attention to that. That is the first step. We don't have to change anything, like I was talking to a client last week and I said I want you to ponder your language that you're using and she said so, you just want me to see what I am saying. I said yes and not change anything. And I said yes, exactly, don't change anything. All we're doing for the next week is we're just noticing what we're doing and saying about our money. And then I want you to think about are you normalizing, talking about money Just like it's, like the weather, or does it feel heightened in your body?

Erin Gray:

Are you saying things like we can't afford it, when you actually can, but you just don't want to buy that for your child, which is not a problem, right? We don't have to buy everything our children want us to get for them. But what language are you using? Or are you saying things like I'm choosing not to invest in that right now because X, y, z, like I will tell my daughter, or our daughter, you know, I will tell her. Listen, I don't want to buy that because that's not a value that dad and I currently have. If you want to use your money for that, that's totally fine. You're welcome to do that, but mom and dad don't want to use our money for that, and I think that that is so empowering to our kids, because then they get to choose. So if you are feeling activated with your kids when they ask you for things, or you're not talking about money or teaching money, let this be an invitation for you to take this work deeper.

Erin Gray:

You know this is some of the work that I do with my clients and I would love to support you. We work through some of these deep-seated money beliefs. We work on the logistics what I call the 3D of money. Right, we understand what our financial snapshot is. We talk about our goals, where we want to go, but it's really this deeper inner work, inner self-concept that we have, our beliefs that we have about money, releasing them, because we are all born abundant and prosperous, just we've picked up beliefs along the way. So I would love to support you If this resonates with you. You can schedule a call by just clicking on the link in the show notes or you can head over to my website at generate a life while livecom and schedule a call.

Erin Gray:

So I believe, like I said, generational wealth it's more than assets, it's nervous system safety, it's beliefs, it's behaviors, it's empowering our children so that they can have a different life and their children and grandchildren Like I really truly believe. For us as women, there's a fork in the road. We get to either continue to go on the same route that we've been going on and we repeat the same patterns for our kids and grandkids, et cetera, or we would get to say you know what, no more for our kids and grandkids, et cetera. Or we would get to say you know what, no more. I'm going to do this work. I'm going to remove some of these limiting beliefs that are keeping me small, that are not allowing me to live my life to my fullest. I'm going to let go of some of these beliefs so that I can teach this to my children, and I think we're already doing some of this already.

Erin Gray:

Right, you're already creating generational wealth by healing your relationship with money. So, like I say, with anything, zero to 1%, it's everything. Start small, start with awareness, start with how you actually want to feel with money, and then notice when you aren't thinking and feeling and acting from that place. Okay, that's all I have for you today. I'll see you in the next episode.