Money Mom Podcast
Welcome to The Money Mom Podcast—the ultimate guide for moms who want to take control of their finances, crush debt, and create a life of financial freedom and abundance. Hosted by Rachel Coons, a budgeting expert and mom of three, this podcast is your go-to resource for practical tips, mindset shifts, and empowering strategies to help you manage your money with confidence.
Whether you’re navigating grocery budgets, tackling debt, or dreaming of building wealth for your family, each episode offers bite-sized, actionable advice to make money management simple, stress-free, and even enjoyable. With relatable stories, expert insights, and a dose of mom-to-mom encouragement, you'll learn how to transform your finances—one small step at a time.
Tune in every week to discover how to save more, spend smarter, and feel empowered to create the financial life you deserve. Because when moms thrive financially, families flourish.
Money Mom Podcast
51: Unlock Your Money Blocks: The Secret Roadblocks to Wealth
Do you ever wonder why you keep repeating the same financial patterns despite knowing better? That feeling of being stuck in a money rut isn't random – it's likely caused by subconscious money blocks secretly running the show behind the scenes.
As we explore in this eye-opening episode, your subconscious mind controls a staggering 95% of your decisions and behaviors around money. These deep-seated beliefs were largely programmed during childhood or even inherited through generations, creating an invisible framework that determines how you interact with money today. The truth is, no matter how much conscious knowledge you have about budgeting or investing, if your subconscious is working against you, you'll keep hitting the same financial walls.
Ready to break free from your money blocks and create the financial life you deserve? This episode gives you the tools to start that transformation now.
xoxo,
Rachel
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Hey there and welcome back to the Money Mom podcast. We are still deep in the month of March, which means we're still talking about money mindset. It's Money Mindset March. In our Money Mom Club, we're working with our members deeply this month to change the way that they think and feel about money, and so I thought it would be fun for this month to change the way that they think and feel about money, and so I thought it would be fun for this month as well on the podcast, to talk about some of the things we're learning and maybe how you have money blocks or things that are happening in your life that are keeping you from the financial success that you desire.
Speaker 1:And we've had some really good episodes previous to this one, if you want to go check them out. I had an interview last week with Rebecca Kinger, who we talk about how to keep yourself from sabotaging your financial goals. We talked about what money is and how the way that we think about money actually creates an environment where money shows up in your life, and we actually just wrapped up this past Thursday a masterclass inside Money Mom Club with the one and only Brad Bizjack, who was on the podcast in February and his episode. If you haven't listened to his episode is one of my most downloaded episodes so far on the podcast, so go listen to him. He came in and did an amazing masterclass with our members on how to rewire your brain if your thoughts are holding you back. And so today, what I want to talk about is something that's might be secretly running the show when it comes to your finances and your money story and how you spend, save and build wealth, and that is money blocks. And money blocks are sneaky, deep-seated beliefs that are keeping you stuck. So if you feel like you are doing the same thing when it comes to your finances, you're finding these similar patterns month after month, and no matter how hard you want to break free, you're still stuck doing them. You find yourself falling back into old habits and if you felt like, no matter what you do, you can't seem to get ahead financially, there's things that always happen or life comes at you and you can't get ahead. Chances are I'm willing to bet that there is a money block standing in your way, but the cool thing about money blocks things that we don't actually know that they're there. This is not a physical block that we can diagnose, but once we can identify our own money blocks, unpack them, dismantle them and then rebuild them so that you can start shifting your money mindset and actually make progress.
Speaker 1:So let's talk a little bit about the brain and how the brain works. I find this type of stuff so fascinating. It's not things that we learned in school. Chances are you didn't talk about the conscious and the subconscious mind when you were in high school or if you went to college in college.
Speaker 1:But the truth is, most of us think that we actually control our decisions, that every decision that you make is a logical choice based off of what you consciously want. So let's say, if I'm going to go to the store, I am going to consciously grab my keys, open the door, sit in the car, put the key in the ignition, put the car in reverse, back up, drive to the store, do the thing that I need to do. We think that that's all conscious, but actually the truth is your subconscious mind is running the show 95% of the time. Think about it. When you go to drive to the store, are you consciously thinking okay, I'm going to go grab my shoes and put my shoes on and I'm going to walk to the door and grab the door and open it, and grab the keys and get in the car. Most of the things that we're doing are subconscious. We just they're in there, they're programmed in the brain. We know what we need to do. We're not consciously making that decision. So your subconscious mind is like a massive storage system and it's holding all of your past habits, your past experiences, your past beliefs, your fears and everything that's on automatic in your life is part of the subconscious brain. Most of which happens subconsciously was actually programmed during your childhood programmed during your childhood. Think about it when you're tying your shoes. You're not actually thinking about okay, I got to grab and tie the knot and do the bunny ears, put it around each other. That just happens. You learn that in childhood. So is 95% of everything else that we do in life is subconscious and we shape these actions before you even knew you were shaping them.
Speaker 1:If you've ever found yourself repeatedly making the same financial mistakes, struggling to break patterns or feeling stuck, no matter how much you consciously want to change, it's probably your subconscious at work, because the subconscious mind operates on autopilot. We replay the same beliefs, the same thoughts, the same behaviors, unless you intentionally reprogram it, and the problem is most people don't go to the subconscious to change the conscious. They think that if we just change the conscious mind, if we just know what we're supposed to do in order to save money or get out of debt, we'll actually be able to do it deeper into the subconscious mind and change how we show up, how we think about our life, how we feel about our life. Our actions won't ever change. We're going to be stuck in the same actions, no matter how much knowledge we have, because we haven't reprogrammed the subconscious. So I'm guessing that you're probably asking yourself right now great, okay, I got to get to the subconscious, that's what I got to do to fix my issues.
Speaker 1:So how do we do that? How do we shift these deeply ingrained patterns that are within you? And we're not just saying they're within you from childhood. I actually think they go back beyond your life. When we look at epigenetics, the idea is that our subconscious is connected to our ancestors. There is research out there that shows if your grandma had some type of trauma or something happened to her, it actually lives in the genes. So when your grandma gave birth to your mother or father and then your mother and father passed their genes down to you. The things that your grandma experienced actually lives within you and that may feel like, well, crap, I'm just screwed then right, if I have an ancestor who had something bad happen to them and now I'm carrying this money story that happened to them.
Speaker 1:But you get to take back your power when you can cognitively recognize what's going on and rewire the subconscious, and we can do that a lot of different ways. We're going to talk about some of them today so that, over time, your subconscious starts accepting the new truth that you're creating in your life. This isn't something that, like, I'm going to fix my subconscious and I'm going to do it in the next hour. It's repetition of dialing in the thoughts and emotions that we have, bringing them to consciousness, because letting the thoughts that we have sit in the subconscious doesn't actually change them. We have to change up from the 95% to the 5%. We have to get it into the conscious, we have to acknowledge that those are there and then we can start to build from there. Change starts with awareness, and that's what we're doing on this episode today is we're literally just bringing hey, you didn't know this, but maybe there are some money blocks in your subconscious that we can bring to light, that you didn't even know were there some beliefs that you've been holding on to, and we're going to bring them to awareness so that we can rewire them, because transformation happens when you rewire the subconscious to work for you, not against you.
Speaker 1:Now let's talk about some of the most common money blocks that I see. Some of the most common money blocks that I see. I've seen them in myself and I've seen them working with our members inside the Money Mom Club. Let's talk a bit about what they are so that we can bring them to your awareness and you can diagnose yourself and say do I have these? Have I thought this? Is this something I am carrying? So we can bring it to awareness. Now we're not going to have time on this episode to be able to rewire those thoughts, but again, the first step is diagnosing. It's the first step is bringing those money blocks to your awareness.
Speaker 1:So one of the money blocks that I see a lot is I'm bad with money. I'm not good at money. That's why I'm struggling so bad. Maybe you've made mistakes before. You've not done well with money in the past. No one ever taught you how to deal with money. And so you've carried this belief, this subconscious belief, that I'm not good with money, I'm bad with money. So then, what do you think the future you is going to do with money? Because our brains like to stay safe, they like to stay comfortable. We actually want to confirm the beliefs that we have with future actions. So if we believe I'm bad with money right now, do you think you're going to be good with money in the next five years if you don't change that belief? And how we do that is we rewrite the belief and how we do that is we rewrite the belief. So, instead of saying I'm bad with money, maybe you could say instead I'm learning how to deal with money. That simple reframe I'm bad with money doesn't give you power, it doesn't make you feel in charge, it takes away your control. But changing that thought to I'm learning to be good with money gives you back the power, it gives you opportunity, it opens up an ability to. Maybe you weren't good with money in the past, but in the future you could be better with it.
Speaker 1:Money is a skill, it's not an identity and, like I said, we didn't learn this in school. Nobody sat you down and said hey, here is how you control your money successfully. Here's how, if you get into debt, this is how you you get out. That for sure wasn't taught at my college and in my degree, but instead we're just expected to know how to take care of our money. What we have to do is you need to learn and learn from those past mistakes. Take the experiences that you've had in the past and learn from them and rewrite your future so that your future can be different from your past. Okay, that's money block number one. Money block number two.
Speaker 1:And this is one that is real deep in the subconscious. I think probably every person who has not brought this thought to consciousness doesn't even know it's there, because I know for myself. I didn't know it was there until someone pointed it out in me, and it's the thought I don't deserve to have more money. I'm gonna let that sit with you for a second. Do you think to yourself I don't deserve to have more, whether you're just getting by financially or you have a lot of money, do you deserve to have more money? Do you really deeply believe in yourself that having more money is not a bad thing, that you are inherently worthy to have abundant amount of money.
Speaker 1:Guilt around often stems from our childhood and from cultural or family beliefs. What does the world tell you about having more money? What kind of stories have you heard from your family members or friends or communities that tell you that having more money is not good, or that you don't need to have more money. Good, or that you don't need to have more money? If you are sitting in that belief, you are actively reflecting money away from you and the truth is, having money or having more money, money doesn't make you greedy or selfish. We talk about that in our episode 47, what money is and what is the root of money. And so if you haven't listened to that, for sure go listen to that, because we unpack that. But a little TLDR of that episode is that money actually gives you more ability in your life, more opportunity to help others and to open up opportunity for other people as well. There are so many things that money is a beautiful thing in our life and if you don't believe that you are worthy to have more, I am willing to bet you are pushing it away from you. So sit with that for a little bit.
Speaker 1:Question that Do I actually think I deserve more money, because if you don't actually believe that, then you're not going to make good financial decisions. Where you have more money, you're not going to budget correctly, because you actually don't want more money, because you don't think you deserve it. So let's rewrite that. How could you think that differently? Maybe I deserve everything. The universe, god, higher power, whatever you believe in. I deserve everything that the universe is willing to give me, because my worth is inherent, my worth is deep within me and no amount of money makes that worth more or less. My worth stays the same and that's a powerful reframe as well.
Speaker 1:On the back end of that, one that makes me cringe a money balk that kind of makes me cringe and one I see a lot is that rich people are greedy, selfish and they got lucky. That's why they have money they have taken away from other people. They are selfish because they keep it all to themselves and the reason that they have all the money is because they were born into the family that they were born into or they struck it big with some company or some investment and that's why they have money, because they're lucky. And this block again goes back to the earlier block of I don't deserve to have more. It's kind of one in the same. But this block is keeping you from wanting more money because subconsciously you believe that anybody who is wealthy you don't want to be like. You don't like those people because you think they're greedy, you think they're selfish, you think that you just got lucky, so you're not going to have more money because you dislike those types of people.
Speaker 1:Money is just a tool. It's like a hammer. Money is just a tool. It's like a hammer. A hammer could be used to build a house or it could be used to kill someone. We can use that tool for good, for bad. Somebody who's holding a hammer could be really evil and trying to harm other people, or someone that's holding that hammer could just be trying to build a house for a family. That's all money is. Money is just a tool. Money magnifies what you already are. So if you are greedy or selfish or an awful person and you get more money, you are going to be more greedy, more selfish, more evil. But if you are a generous, kind, loving individual, wouldn't you rather have money in your pocket to be able to help other people with it? And that loving, kindness, generosity, is just going to grow with more money.
Speaker 1:I love to think about my parents, so I've shared a little bit about my background and my money story and how I grew up in a. I don't want to say we were poor, but we did not have a lot of money. Growing up, we lived in a small house with seven children. We never went on extravagant vacations or bought new clothes. My parents were very frugal with the money that they had and it wasn't until my dad was offered a new position at a new company that he was able to take a massive pay raise and my parents found themselves with more money than they had ever had before, and still not crazy wealthy, but just with more money than they had ever had before, and still not crazy wealthy, but just had more money to do things with. And I love to think about the type of people that my parents were when I was little Kind, loving, generous people, and I wish each of you could meet my mom and dad, because they are some of the most amazing people that I know. And now, fast forward, 25, 30 years later. They have more money than they ever thought they would, but that generosity and that kindness and that loving nature of who they are has not gone away, and they've done beautiful things with the money that they have. They have funded people from other countries to come get education in the United States full-ride scholarships for students.
Speaker 1:My dad's super connected with the United Way in San Francisco. My parents volunteered at a homeless shelter once a week for years where they would fund the whole dinner. They would buy all of the food. My mom would cook all of the food for a homeless shelter once a week for years where they would fund the whole dinner. They would buy all of the food. My mom would cook all of the food for a homeless shelter and they would take it to the homeless shelter and feed the homeless once a week. They couldn't have done that if they didn't have extra money. My parents also have taken a bunch of humanitarian trips where they have gone to other countries and helped other people.
Speaker 1:When I think about being generous and being kind, I think about my parents, and it wasn't until they had extra money that they were able to do more with it and help more people with it. They couldn't have done that if they were stuck in the just trying to get by, if they were stuck in the just trying to get by living paycheck to paycheck like they were. So what a blessing it was that they didn't hold back from making more money, that they were able to make more money so that they could help more people. Okay, last final money block that I see a lot when people are living paycheck to paycheck or trying to pay off debt is the thought I'll never have enough. There's never enough money at the end of the month. There's never enough extra money to be able to pay down this debt. We're going to be stuck in this cycle of never having enough, and that thought is rooted in a scarcity mindset. You are not thinking bigger. You're stuck where you are. No matter what you do, you're always going to be struggling, and what I want you to do is, if that is a thought that you had, if you ever think we're always going to be here, we're going to be stuck for forever.
Speaker 1:If you think that, change that belief, challenge that belief by shifting it to I've actually always had enough for what I need in the past. Right, you're here, you're not living on the streets. You're listening to this episode on some type of device that allows you to do that. So in the past, you've thought that you don't have enough, but have you had enough? You have, because you're here. You've always had enough for what you need, and I am learning now to change my money story, and opportunities are always available to me. There's always more opportunities that will come my way, and I am open and ready to receive them. You have to acknowledge that. Maybe you've thought that before, or maybe you're stuck in this struggling cycle because you haven't looked to the future and wanted to change.
Speaker 1:So if you recognize maybe some money blocks, maybe there's some that we haven't talked about in this episode that you could think about for yourself, like something that may be holding you back. What I want you to do is I want you to identify what they are. Write them on a paper. What messages did I hear growing up? What beliefs were rooted deep in me and how do I think about money now? How do I show up? What do I believe about money now? And then notice those thoughts and those subconscious things that are driving your actions. Notice them in ways that you spend money or ways that you swipe your credit card or do you avoid looking at your bank account? Do you feel guilty when you go to spend money, notice. Bring those subconscious thoughts to consciousness Because, again, we have to bring them to consciousness if we want to change them.
Speaker 1:And then we have to challenge and reframe the belief. So once you've figured out a block that you have ask yourself is this block, this thought that I have, actually true? Is it actually true? Or is it just something that's deep in there that I didn't even know was there? And if it isn't true, or even if it is, is there a different way to think about this belief that's more empowering to me? That actually takes back my control. We can't change what we can't control. So you have to be able to change the belief to something that you can control and replace that belief with an empowering statement, something that gives you abundance. Money flows to me in unexpected ways, or I am the controller of my universe and I get to decide how much money I have. We have to be able to replace those empowering statements and do it.
Speaker 1:Repetition, repetition, repetition. That is why people talk about putting like words of affirmations on mirrors that you recite to yourself every single day. That's all about repetition and rewiring that subconscious brain, even if you feel like it's silly. Anytime one of these money blocks comes up, we have to not notice it and reframe. And then we need to take aligned action so that way those thoughts start to become more conscious action, because even small shifts, like budgeting with intention or practicing gratitude for what you have, can start to rewire your beliefs. And then you surround yourself with this new mindset. Listen to podcasts, like you are with this one, read books, join communities that support your financial growth, your financial growth.
Speaker 1:When we dive into this world of rewriting your money story and your money belief, your environment matters. What you hear from other people matters, so if it's not working for you right now, you have to change it, and that will help change your mindset as well. And that's exactly why in the Money Mom Club, we are diving deep into this world in our Money Mindset course and getting our members to try to rewrite the money story that they have All right. I hope this episode helped you recognize some of the money blocks that might be holding you back and hopefully you feel empowered to shift them and to change them, because you're not stuck and your future financial reality is not set in stone. What got you here isn't going to get you where you want to go unless you take conscious action from our subconscious beliefs. Until next time, remember your financial future is in your hands and you are more capable than you ever thought possible. I'll see you next week.
