Healing Your Relationship with Money with AJ Schneider

In this powerful episode of The Daring Well Podcast, Rita sits down with AJ Schneider, founder of Beyond the Green Coaching, to explore the emotional roots of our money habits, the shame many people carry around finances, and the healing required to build a healthier relationship with money.

This conversation goes far beyond budgeting and dollars — it’s about emotional wellness, nervous system patterns, self-trust, and rewriting long-held money stories.

AJ breaks down why people continue living paycheck to paycheck, how money mirrors our unprocessed emotions, and why survival mode feels familiar even when it’s exhausting. She also offers practical mindset tools and emotional antidotes to shame, fear, and guilt around finances.

Whether you're healing from money trauma, trying to break generational patterns, or learning how to manage your emotions around spending, this episode will help you build financial confidence with compassion and clarity.

Episode Breakdown 

1. Money Is Emotional — Not Mathematical

AJ explains why most people don’t have money issues because of math — they have emotional patterns rooted in stress, loneliness, burnout, or coping. This reframes financial struggles through a therapeutic lens and invites listeners into self-compassion.

2. The Paycheck-to-Paycheck Comfort Zone

AJ shares why survival mode feels familiar and why people unconsciously stay in financial chaos. This segment expands awareness around nervous system conditioning and scarcity mindsets.

3. Meeting Your 80-Year-Old Self

A powerful visualization where AJ encourages listeners to imagine their future self sitting at the decision-making table. This moment helps listeners shift into long-term thinking, purpose, and intentional financial behavior.

4. Shame, Fear & Guilt — The Three Barriers to Financial Wellness

AJ breaks down emotional blocks and their antidotes:

• Shame → Acknowledgment
• Fear → Trust & Surrender
• Guilt → Acceptance & Forgiveness

5. A Simple Daily Step: Track Your Emotions When You Spend

AJ offers a practical starter exercise to understand your spending habits by noticing the emotion behind each purchase. High-impact, simple, and transformational.

Connect with AJ Schneider

Explore coaching, programs, and resources at:
https://www.beyondthegreencoaching.com

Transcript

00:00

Introduction

Welcome to The Daring Well Podcast with Rita Mercer.

And it's your word that change your relationship with money. And as soon as you vocalize your shame, the confessional, I'm in debt, I don't have any savings, I don't know what a Roth IRA is, I don't know if I'm going to get my kid through college.

As soon as you say it, it's like the weight of the... A weight lifter. Exactly.

So the antidote to shame is acknowledgement.

Hey, AJ, thank you so much for joining The Daring Well Podcast. I'm so glad to have you today. For our listeners today, AJ is a mom, she's a wife, she's a best friend, and she's the founder and the CEO of Beyond the Green Coaching.

As a financial strategist, she actually helps individuals. She helps couples, she helps small businesses build wealth and to feel confident about their money.

Through our company, she's helped over 300 clients, and I'm excited for you guys to hear more about this.

I'm excited for her to share more about how she's helped people heal their relationship with money and to create lasting financial freedom with less stress and less shame. Alright, welcome AJ to the podcast.

Feel free to give more of your intro and your bio as we jump into today's talk today.

I'm so happy to be here, Rita. Thank you so much for having me. I'm really honored to share about financial wellness with your community.

And you evoked something in your introduction of how I help people heal their relationship with money.

I'm my greatest testimonial to that, but I'll save that for a second because I actually just got to have a conversation with a client right before this.

I'm in an in-person event and one of my clients came up to me and she's working with somebody on my team, Rachel, who's amazing. Been with us for almost coming up to four years in January. She was like, this is what I'm doing with retirement.

This is how I'm thinking long-term. I just got this opportunity for this windfall of money to fall into my lap. In the past, I would have just freaked out, not know what to do, been totally paralyzed.

I ended up being able to have these really incredible conversations with my family. I was honest and I would have never been able to do that because I had so much shame around my debt.

I was able to tell them transparently where I stood, and her eyes were like, she couldn't wait to get this out to me, and she's still in debt.

Her savings doesn't look like what she wants it to yet, but she's empowered, she's confident, she's having difficult conversations, empowered, the one leading the conversations, and she's taking full agency over her life, and she's not waiting for

things to happen to her. She's taking full control over it.

And that's how, in a very microcosm, how we help people heal their relationship with money, we give them the tools and the language to start actually talking about money to the people around them, to themselves, and then amazing things, gifts from

the universe, they come in because you're ready to receive them. And maybe they were there all along, but you couldn't receive them yet. And you are in full control over your own life, giving people their power back.

So going to my why and why I am on the mission that I'm on, I think my story can relate to so many people.

3:41

AJ's Money Journey

I grew up chronically in my DNA, stressed about money as a child, because the people who were raising me were stressed about money. They fought about money.

Money was a source of conflict and pension, and my dad had no money, my mom had lots of money, and then she didn't have any money, and it was always a roller coaster, and could we afford this, and could we not?

There was like a lavishness of, let's go on this really expensive vacation, and then I can't afford school, and my mom nickel-ing and diming everybody to get me through college and high school, and then I had a lavish bat mitzvah, and it was just a

lot of, and then dad never had any money, and he could never afford, and so I grew up with a set of beliefs that money was toxic, money was the root of all problems, and I was going down that path for a long time until I realized that my work on

myself, like all this inner work of accepting my parents, forgiving my parents, learning who I was, I think I went on this long journey to find myself. I literally left the country and went to New Zealand, Australia, and Asia. I was in New Zealand,

and I called my sister, and I was like, I'm sorry. I think I've been telling myself this story that you resent me. She's like, AJ, you're the one who always ran away. I'm like in New Zealand from New York City.

And I'm like, oh my god. You know, it's me. And I wanted this massive journey to find myself.

But when it came to money, in every other area, I was starting to feel really authentic. And with money, I was just a total fraud. I was a liar.

I was dishonest. I didn't trust myself. I felt so much shame and avoidance.

And I was tired of feeling that way.

And when I finally started having a relationship with money and budgeting, which we'll talk about as self-care, and saying no, one of the spectrums that I like to philosophize on is the narcissist versus the codependent.

And I am on the extreme codependent side, which leads to I'm a people pleaser. If your energy is good, I'm happy. I need everybody around me to feel good.

So I, you know, like that kind of energy, always wanting to like fix people, heal people so that everybody's good. I used to wish on a star that like everybody in my life was happy. Like because I thought that would make me happy.

Like I like the, you know, like the definition of that. And so taking control of your finances is incredibly radically selfish. And it was the most life-changing, empowering, grounding thing that I had ever done.

And I was so alone. I felt so alone in my financial reality. I thought that I was the only person bad with money.

And it turns out I just was financially illiterate. And once I became illiterate, I realized that almost everybody I knew was bad with money for many, many different reasons.

Yeah.

And everybody had a relationship with money. And I realized that I was not alone. I was far from alone.

And I had this yoga teacher who was like, if I could teach you how to breathe better and walk better, then I'm going to do far more good than any yoga pose like fancy schmancy yoga pose. And that's kind of how I felt about money.

I was like, if I could teach you how to transact every single day with confidence, with empowerment, with assurance that you were taking care of current you and future you, then I'm going to be doing a lot more good in this world to help you find

Yeah.

Yeah. Powerful, powerful. Yeah.

Our family of origin definitely mimics what we live out in our everyday life.

And so I love that you were transparent and just sharing, okay, well, these are the things that I seen growing up is belief systems or how we had a relationship with money, like those kinds of things. And so like that transposes into our future self.

And so until we decide to change it. So I love your story. So tell me more as you say, what do you mean, when you say money isn't just math, it's emotional?

8:50

Money is Emotional

Like what does that mean? And how does it connect to our beliefs and our choices?

Yeah. So if I have 10 conversations in a day about this, seven people will say to me, well, I'm bad with math. And I'm like, money is not math.

It is emotional.

You don't spend because of a math equation, you spend because you're in a fight with your mom or your boyfriend, you spend because you're burnt out and you want convenience, you spend because you think you deserve it because you worked really hard

today. Or I think the entire treat yourself culture is actually people unable to handle the discomfort within them.

Like I'm feeling some kind of discomfort, either frustration, I'm not in alignment, I'm angry, I'm resentful, I'm sad, I'm lonely, I'm fearful, but they don't know how to articulate what that feeling is, and so they spend and they're going to go

treat themselves. Like retail therapy, like the whole collective consciousness around, especially women and spending, is all about investments are bags. You know, retail therapy, we're 80% of consumers.

It's all catering towards really emotional regulation.

And my background as a yoga instructor and someone who heavily, heavily studied the nervous system before I got into this work, was that we want to regulate, we're always trying to find ways to regulate.

So we go to a yoga class or we meditate or we do a mantra. But the area where we often avoid and have a lot of shame and or guilt and or resentment is money. And those emotions will seep out, they will seep out there.

And that's why I always say that money is such an incredible teacher. I quote Susie Orman said that before me, I can't take credit for that. Susie Orman's the reason why I can even have this platform because she created a path for women in finance.

And so it really comes to the mindset piece that people are unaware of their emotional emotions and money is just a reflection of their emotions.

Yeah. Yeah. Yeah, that's powerful.

I love Susie Orman. But yeah, you're right. I think you hit on a good point is like we can't handle the discomfort.

And so we'll go to whatever we feel like is easy in the moment. So whether that's food, whether that's sex, whether that's money, spending money that you really don't have.

So think, tell me about this idea of why do you think so many people love paycheck to paycheck? Why do they, why do they love doing that?

11:59

Beyond Paycheck Living

Why do they love falling into that trap?

I love this question because I do think people love living paycheck to paycheck, which is kind of contrary. I don't think that they actually love it.

I think it's such a comfort because one of the things that we teach is how to get people out of thinking about money from an hour to hour, day to day, week to week, to thinking about money in terms of years and decades.

And this is such a profound mindset shift. And it's one that I can relate to so intimately. I spent longer in my life writing down my income versus my bills, writing it down on paper, getting that paycheck to paycheck life, like moment to moment.

We teach our second module is values and goals. Our first one is money mindset. Our second one is values and goals.

And this is one of the hardest exercises for people, because if you have been living that paycheck to paycheck life, you can't dream. It's impossible. You're in survival mode.

You are absolutely spending day to day, moment to moment, thinking about the next hour. I mean, I used to wait until my paycheck came into my account.

Like I would wait up at 12 o'clock, and at 12 o'one, I would log into my bank account to see if my paycheck went in.

Oh yeah. I remember those days.

Yeah. I mean, it's like visceral, and there's a comfort there. There's also, in a way, a simplicity.

It keeps you safe because ultimately, striving for something bigger is scary.

If you don't have the mentors, the guidance, the examples of people who have left their station, people who have really done incredible things, you could feel like that's normal. It's what your parents did.

It's what the people around you might be doing. It feels comfortable. I think people love it because it also feeds into my wants, my needs, my desires today.

Yeah.

Something that I still, I'm very much a, especially being a young mom, working on my inner child, I think that's something that we talk a lot about in the wellness space.

However, where's 80-year-old version of you in your boardroom? I am going back to my why. I'm 36 years old.

I'm a young mom. I am financially responsible for my mother, so I am in the sandwich generation. At the same time the sandwich generation is happening, there's the great wealth transfer.

We say, we don't like the world we're living in, we don't like the politics, we don't like the big businesses coming in.

Well, if you continue to be at the whim of your moment-to-moment emotions, if you continue to live in this survival cycle and not pause and be able to save for the future, then the powers, the powers greater than us that have more resources are going

to continue to keep going on their agenda. But we have the power to collectively change the entire world through being financially literate. I think it's that, I believe it's that important. It is the most essential thing.

If everybody stopped using Amazon for a day, they would listen to what we had to say. If everybody stopped going to Starbucks or Target for a day, one day, one day, everybody would listen.

But it takes discipline and it takes care of the future, you know, really stewarding back that you should care about seven generations ahead of you, the land, you know, like that's an indigenous philosophy of caring about the land for seven

generations. And we've really lost that. I don't know if we really lost it or if it was actually just never a part of our culture to begin with, because we've always kind of been in survival.

You know, we're all immigrants to this country, all trying to make it and make sure we're okay. We're not, at the end of the day, we could be fifth generation American. We're all, we're not rooted from the land.

And so, we have to create our roots. And that means visualizing your 80-year-old you and saying, the privilege of living is to live.

And to, I was thinking about this in preparation for this conversation of, every moment, you know, with my daughter is a gift. Every single hug and kiss, it's like, I know it's going to change, and she's not going to want that anymore, you know?

And, and my wish is that everybody could age in true grace, and they could remove the obstacles that are potentially going to prevent that grace, and the obstacles to me, what I see, is really instant, like moment-to-moment satisfactions to be able

Yeah, yeah, yeah.

I love the psychology behind it.

It's just kind of thinking about the wants, the needs, the desires, and not tapping into, or giving yourself permission to live your dream, to envision your dream, to get out of the comfort zone, because there's no growth there.

And so thanks for sharing the psychology behind that, living paycheck to paycheck. And you're right, a lot of people don't love it, but they keep doing it, so they must like it somewhat.

I think so. I think it's like, it's repetitious. It's, oh, I know this.

I've been in the situation before where everything's going okay, and then that car breaks down or my dog needs to go to the vet, and I'm back in the same cycle, and it's almost comfortable. It's familiar.

It's not familiar for people to see $10,000 in their checking account as a first line of defense to protect all their other assets. That makes them very uncomfortable. That makes a lot of people really uncomfortable.

They just have money sitting in the bank. They're afraid. They're going to spend it.

They're afraid they're going to be, you know, they're going to do something wrong with it. It's going to be stolen. So it's easier to burn a hole in the pocket.

Yep.

Kind of what they used to say is when I was a kid, and money is going to burn a hole in your pocket.

Yeah.

Yeah. What do you think some of the biggest barriers are that hinder people when you think about their relationship with money?

19:16

Overcoming Money Barriers

My immediate like crass response is that they don't have one.

They think money is outside. They think it's outside of themselves. Like money is this external thing that's happening to them.

And they've never thought about money as this emotional vehicle that can just be a mirror for how they're feeling, what they want out of life. And I've not just... I lived in survival mode, like I said, far longer than I've lived in abundance.

It's really like a scarcity mentality. And I lived there way longer. And it's this feeling that like something outside of yourself can really change the course of your life.

And something that directly happened with me getting my finances in order is I found... I've been following this woman, but she made this course called The Queen and like learning how to be in your queendom.

And I was like, oh my God, all my life, you know, I mean, I'm a Disney princess. I'm a millennial, like I'm a Disney princess. Like I was waiting for somebody to come and rescue me.

And I need to step into my queendom. And like that really came into like a huge place of that power of just taking back my power and realizing that I'm in control.

And I think that we strive for control in so many ways with money by like, well, I deserve this, I want to buy this, I need this, when really the power is like taking a step back and being like, well, at the end of the day, like, what do I value?

What do I value? Who matters most to me in this life? What do I want the future to look like?

And I think it's very audacious and very brave and scary. I was even sitting in the car before this podcast and I was like thinking about something in my business, a block. And I was like, what do I want?

And you know what immediately went into my brain? Everything I don't want. It's very hard to dream when you have roadblocks in front of you.

How do you see the horizon when you can't see in front of you, clearly, you know, when there's things in your way? And so my dream is that I can take away as many obstacles in front of you so you can fully see your potentiality.

Yeah, that's powerful. So I love that you can take wisdom from from anybody and then that's, that's beautiful.

Can I tell you, speaking of taking wisdom from anybody, one of my greatest teachers, I worked in Australia at a potato shop. It was a place that made potatoes. You opened them up and you put toppings on them.

It was called Spud Bar. It's so good. You can get sweet potato, you can get regular potato, you can have it like Asian style, Mexican style.

I mean, it was amazing. And one of my favorite teachers was my manager at Spud Bar, who had so much integrity to her job. And now, I'm at the time, AJ Wohlbrum.

I'm going to be the greatest yoga instructor of all time. She taught me that you can have grace, and you can have integrity, and respect, and honor doing anything in life. And how you show up is everything.

And the way that she showed up had such a profound impact on me about how to show up in the world. No excuses. No, like she was selling potatoes for a living.

And I was a kid who was showing up late. I was 24 years old. I was showing up late to things.

I was waiting for my hand out. And I think about her all the time. She would never even remember me.

And I think about her all the time. And I actually don't even remember her name. But I could see her face perfectly in my mind.

She was such a profound teacher.

So how you show up, yeah.

Yeah.

Yeah. And being authentic, how you show up. And so as you think about how that relates to money mindset, so think about how that relates to how we show up sometimes with shame, with fear, with guilt attached to all the money and the mindset of money.

And so can you speak more about that?

Yeah.

23:55

Healing Money Emotions

Shame, the antidote. So I was thinking about like the antidotes to those emotions. The antidote to shame is acknowledgement.

Have you ever had shame, like about something like really not even that big of a deal? Like I recently felt a lot of shame about a parking ticket. It was $75.

I felt a lot of shame. And I didn't want to tell my husband about it, which is like not how we operate at all. And I kind of wanted to sit with that for a little bit and just observe myself and kind of feel into it and be like, why, and why?

And as soon as I vocalized it, as soon as I acknowledged it, because like acknowledging does not exist in your mind. Nothing about your relationship with money exists, changes in your mind.

It's called money mindset, but it's your actions and it's your word that change your relationship with money. And as soon as you vocalize your shame, the confessional, I'm in debt. I don't have any savings.

I don't know what a Roth IRA is. I don't know if I'm going to get my kid through college. As soon as you say it, it's like the weight of the-

The weight lifter. Exactly. So the antidote to shame is acknowledgement.

And a lot of people, on my first call with them, which is our prospective free discovery call, they'll say, I have never told anybody this. And that's what I want to change. Because I know they're sitting there.

They're sitting there with their friends, with their family members, with the people they love the most. And they're hurting so deeply inside. They feel so inauthentic.

They feel so trapped in their own circumstances because they just can't get it out. And once you get it out and you vocalize it and you're just like, this is it, it eradicates shame. Not immediately, of course.

It comes back. It always comes back. It finds ways.

You're standing in line at Starbucks. It finds its way back to you.

Yeah.

But it's like, oh, hey, shame. I don't need you because I've acknowledged the thing that I felt shameful about. That act of vocalization and sharing your truth is so essential.

Because then once you share it, you realize it isn't as scary and as bad as you thought it was, and that there's probably someone in the room who's going through the same exact thing you're going through.

Yeah. Speaking about fear.

Yeah.

How do you combat fear? The same way?

Yeah. No. Fear's antidote is trust and surrender.

Two parts. What are we afraid of? We're afraid of uncertainty.

We're afraid of a lack of control. Maybe we've been disrespectful to ourselves in the past.

I had a client who was a very successful fashion designer, but the way that she would get paid is that she would get paid in huge lump sums and then she wouldn't get paid for a very long time. What she would do is she would pay everything.

She would pay like six months of rent, six months of a phone bill, six months of this, six months of that, and she'd have zero dollars in her account. I'm like, well, how are you going to eat? How are you going to take care of yourself?

She's like, I can't leave that money in the account. I need to pay for those things. I was like, why don't you trust yourself to leave that money in the account?

Because she thinks she's like, well, I'm doing the right thing. I'm taking care of the things that require me to live, to pay my rent and to pay my phone bill.

But what she's actually doing is telling herself, I don't trust you and I don't think that you're going to be okay. So I need to set you up, air quotes I'm putting, so that there's a perceivedness of safety.

And learning how to trust yourself, learning how to keep the money in the bank account, to sew up that hole in your back pocket is how you break that fear.

Because, listen, life is, and I don't need to tell you this, I know I got to learn a lot about you. Life's going to throw you curveballs. Life is so hard.

Life is unexpected, life is a challenge. Your relationship with money does not have to be uncertain. Your understanding of your finances doesn't have to be uncertain.

Unexpected death, unexpected job loss, unexpected changes in marriage, all of those things, unexpected illness, that you can't control that, but you can control your relationship with money. And so, trust is really the antidote to fear.

And then where surrender comes in as the additional antidote to fear is, there comes a point, and this is where I think that we align in faith of, you have to surrender to what you cannot control and what you don't know.

And, but then you have to take the reins, you have to take the reins of what you can control. And you can control yourself and you can control your emotions and your money. You can control your money.

Nobody has to, nobody should control that but you.

Yeah.

And if somebody, But you can learn. Somebody, if somebody else is, and something else is like your job or Amazon or your friends, I mean, we work with so many women on just saying no to their friends.

Yeah.

If they have, if they're, if they have a hand on the reins of your life, then you won't be able to navigate the really hard, unexpected turns that life's going to throw your way because you're not in full control.

And so it's surrendering to, I can't control any of that person or this thing or those, but here's what I can control.

Yeah. Yeah. Surrendering.

What about guilt?

The antidote to guilt is acceptance, which is very different than acknowledgment. They're cousins, but they're not the same. Acceptance and forgiveness because the acceptances, this is my reality.

I put myself in $20,000 worth of debt. I forgive myself.

Wow.

This is my reality. My father died and he left me a million dollars. And this is not my reality.

Just speaking in character, my father left me a million dollars and I'm so angry at him for dying. And I'd rather him be alive, so I'm just gonna avoid this finances because I don't deserve it. I want my dad.

I'm so angry he's dead. Why didn't he take better care of himself? I don't want this money.

I forgive my father for being imperfect. And I take and I accept that I am the now steward of a million dollars. And it's my job to steward this in a way that my father would be proud of.

Those are really the key pieces when it comes to guilt, is accepting your reality for what it is, not wishing and shoulding it away, and forgiving whoever you need to, either yourself or the people you feel have harmed you.

Yeah, you're right, you're right. Yeah, and shoulding it away. We should do this, I should be doing that, and that just keeps you trapped in that cycle of guilt and shame.

So yeah, so for guilt, acceptance, and forgiveness, that's powerful. Wow. AJ, we're just scratching the surface of thinking about money, mindset, and it's time to start wrapping up.

And so how, I don't know, where do we go here from here as we think about action steps that people can take when they think about self-care?

So what's maybe a quick win that somebody can use as we start to wrap up when you think about self-care and financial wellness?

33:07

Practical Money Steps

OK, quick, you can do it today is grab your note.

Either if you're a pen and paper person, grab a pen and paper. If you are, you know, on your phone and you have a notes tab, open up your notes tab every time you transact. Just write down the emotion that has come up for you.

So that could be, I needed it, I ran out of shampoo. And then notice if you're feeling triggered because you're like, why should I have to explain to someone? It's like their notes tab.

Why should I have to explain to someone that I needed shampoo? I needed that. Oh, OK.

That's a really cool thing to learn about yourself. I need a new purse.

I feel excited. I need a new purse. I feel excited.

Right.

I needed a break from work. And I walked over to Sephora. And I bought myself some new lipstick.

What was happening there? There was something that happened there. And you might have to go back a little bit and be like, oh, I got that email from my boss.

And it kind of made me stressed out. And I needed a little dopamine hit. I just needed a little quick dopamine.

And for a moment, that discomfort went away. And you could do that today and not really change anything about your spending. You don't have to change anything about your lifestyle.

I'm not asking you to open up an account. I'm just saying, just start to observe how you feel when you transact. And what's so powerful about money and why it's such a, it's an alchemic transformation is that we get to transact so often.

If your biggest trigger in your life is your mom, well, you don't have to see your mom every day. You don't have to talk to her every day, but you do have to spend money almost every day. So it kind of forces you to face yourself.

Yeah, and be honest.

And be honest.

And then if you're feeling really ambitious, and maybe you need a friend or some kind of comfort, the best, most radical thing you can do for self-care, truly, is analyze how you spent over the last three months.

Every single dollar on every single credit card, on every single Amazon order and target order. It's brutal. This is not a quick one-time thing, but you can do it in a week.

It's not going to take you very long. You will learn more about what you value in that exercise than anywhere else because your spending is a reflection of your values.

If it's not showing up that way, if you're like, I'm spending $200 a month at Starbucks, but I can't afford a yoga membership, you're going to see that right away. It's so visible. You're going to see, oh my God, I could afford a yoga membership.

I don't value Starbucks. It's going to be incredibly enlightening. It's the first place we start.

We don't make budgets out of thin air. We make budgets off of you.

Thank you. Thank you. Those are some really insightful ways to gain insight about like your financial mindset, your relationship with money, your values, money, how you see your worth.

Yeah, that's powerful. That's powerful.

Can I add one more? Can I add one more?

Yeah, I can.

Yeah. I'm trying to touch all the things. Another one is, how are you talking about money?

How are the people around you talking about money? Just start observing that. You're going to learn a lot about, because you're the sum total of the people you surround yourself with.

So start listening. Put on, literally imagine you're like, I'm putting on money goggles, and I'm just going to listen, and it's like, oh, that was really empowered, and that was really not empowered at all. That was very scarcity mindset.

That was an abundant mindset. Or that doesn't make sense. The cool thing about money is that money doesn't lie.

Numbers, math, going back to math, numbers don't lie. We lie. Money and numbers don't lie.

As you get more confident in your relationship with money, you'll realize that things don't add up. You're like, oh, okay, you can afford this, this, this, and this, but you can't pay me back for the $50 dinner.

Right. The math is not math-ing.

The math ain't math-ing, math ain't math-ing.

No. Keeping it real, I love that. I love that.

Those are very practical ways to get deep and honest. If people want to take it a step further and actually do the work, how do they connect with you, AJ? How do they get started?

I know you said you have a free discovery call. Share more about your resources, like what you do and how people connect with you.

We have a wide range of services to meet people where they are financially, because we understand that people are meeting us at different points of their life with different incomes and different debts.

We have e-learning offerings that are self-paced. They are incredibly packed. They have more videos and templates and resources than anything else on the market.

I promise you that. We have memberships that start at one coaching session a month. And then we have accelerators that go up to four sessions a month.

And then if you're a small business owner, we have Small Business Mastermind. We also do small business one-on-one. We do corporate offerings.

So if your employer doesn't offer 401k benefits, they might be interested in the financial wellness benefits. So you can always send our information to your HR team.

And we have packages where we can provide one-on-one coaching, workshops, access to our online digital products, and your employer will pay for them.

Sweet. I love that your packages and your services meet people where they are. So for any, if they're so busy, they don't have time that they can do it self-paced.

I love that they can do it at a different price point based on like whatever their financial goals are. I love that. I love that.

Sweet. Well, thank you so much, AJ. You've been a blessing to kind of share and go deeper about money, mindset, and the shame and the fear attached to these things and how we can get free from those things.

Like we don't have to be stuck. I love that. And so, yeah, thank you so much, AJ.

I appreciate you.

Thank you so much for creating such an incredibly safe space for so many people to discover themselves and heal and feel supported. So, I'm so grateful for you, Rita, for inviting me on and I can't wait for this to air.

Yeah, yeah. Thank you.

Yeah, I'm just thinking of when people listen to it, no matter what time of the season that you listen, I think it's still going to be relevant, whether you listen to it in the summer, whether you listen to it in the winter going into the holidays,

whether you listen to it in the top of the year, making New Year's resolutions, any time of the year, financial wellness is going to be so relevant to the conversation and learning more about yourself. And so sweet. Love it. Absolutely love it.

All right, guys, that's all for today. Thank you so much for stopping by The Daring Well Podcast. Don't forget to like, share, and subscribe wherever you're hearing this episode.

Wishing you a fabulous day, my dear. Until next time, keep living, keep loving, and keep daring well. Take care, guys.

God bless.

Bye.

Thank you so much for joining me on today's episode of The Daring Well Podcast.

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