29: Financial Anxiety 101: What it is and how to break the cycle

If money makes you anxious, you’re not alone—and you’re not “bad with money,” either. In this episode, we unpack how financial anxiety shows up in sneaky ways, like avoiding bills or obsessing over spreadsheets, and why your nervous system might be more to blame than your budgeting skills.

You’ll hear how perfectionism and procrastination trap us in cycles of avoidance, plus how small steps—like mindfulness, habit-stacking, and realistic money routines—can gently shift your mindset. We also explore the underrated power of self-compassion when dealing with money shame and why sustainable progress always beats crash-budgeting.

This episode is for anyone who’s ever felt overwhelmed by money stress and wants a calmer, more empowered path forward. With relatable stories and zero judgment, it offers both insight and practical tools to ease the pressure. Listen in and start building a money routine that supports your mental health—not messes with it.

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Chapters

00:00 Understanding Financial Anxiety

02:00 Breaking the Cycle of Financial Anxiety

02:46 Procrastination and Perfectionism

04:17 Mindfulness and Self-Compassion in Finance

06:34 Take Action!

08:54 Building Sustainable Financial Habits

10:46 Financial Self-Care

12:43 Automate Where Possible

15:07 Celebrating Progress and Resilience