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“It’s about balance, isn’t it? We’ve got to be able to spend money on ourselves without feeling guilt, shame, or judgment, but we also have to understand that we need to be able to save for our future self too. It’s about getting the balance between the two.” – Catherine Morgan

Today’s Finding Brave features the second of our two-part series on building financial wellbeing into your life and work, and in this episode, our expert guest shares more on how our beliefs around money are formed, the differences in how men and women view money, where people in relationships often go wrong when talking about this subject, and so much more. 

Catherine Morgan is a multi-award winning qualified Financial Planner and award-winning Certified Financial Coach, on a mission to reduce financial anxiety and increase financial empowerment and resilience for 1 million women around the world. Featured in Business Leader as one of the top 32 female entrepreneurs to look out for, she is host of the top 1% global podcast –‘In Her Financial Shoes’ – and founder of The Money Panel ®

After almost losing her son at 5 weeks old to meningitis and spending years in “debt shame” cycles, she became determined to help women to release the guilt and shame they attach to money and change the financial services profession from one that is focused on products to a focus on behavioral change, which is transformational. 

Catherine is the author of the Amazon best-selling book, The Woman I’m Becoming: Reflections to Empower the Females of Our Future and her latest book, It’s Not About the Money: 3 Steps to Become a Wealthy Woman, which was released in December 2021. 

As Catherine reveals, like life, our relationship with money is an internal job first. If you fail to recognize (or ignore) the need to do the internal work — including serious introspection and evaluation — around your money situation, you won’t be able to generate the results that you truly desire. 

We would love to hear your questions and feedback on both this episode and last week’s show, and we hope this information helps you move forward in leading a richer, more fulfilling and rewarding life.

Highlights from this Episode:

  • More great tips from Catherine for creating a desires list [4:22]

  • How your desires may actually be right in front of you right now, and examples from both of our lives of this happening [7:14]

  • A common money block that our ego often contributes to [9:00]

  • Why men and women often clash around the topic of money [12:58]

  • A look at how our core beliefs around money are formed [16:53]

  • An experience that Catherine had as a young child that contributed to money blocks she later needed to overcome [18:13]

  • How the work she does contributes to the financial independence of women, in particular [20:07]

  • The “secret” for creating more financial, and general, wellbeing in your life [23:38]

For More Information:

Latest book, It’s Not About the Money : 3 Steps to Become a Wealthy Woman

Resources Mentioned:

NEW!: Kathy’s brand new digital newsletter subscription program “Your Path To Career Bliss”

I’m thrilled to share the publication of our new monthly newsletter Your Path To Career Bliss! Each month, this newsletter offers an in-depth exploration of one key career, leadership or personal growth topic that is essential to understand and master if you wish to build a happier, more successful and rewarding career or business. These are the topics that are the most sought-after by my readers, clients, course members and thousands of professionals I hear from globally each year.

Every issue offers a selection of the MOST read articles that I’ve written on the key topic of the newsletter — from my Forbes column, LinkedIn platform and personal blogs — which have garnered over 35 million views and thousands of comments and requests for follow-up, hands-on support. 

December’s issue is in perfect alignment with today’s episode and covers How to Build more Confidence, Self-Esteem, and Power in Your Career Today. There are two affordable tiers of the program to choose from, depending on the level of hands-on help you want.

I hope you’ll join me now in this program and get Issue #2 delivered right to your inbox! The first issue of your subscription is FREE and you can cancel at any time. CLICK HERE to learn more and claim your FREE issue today.

Thank you and I can’t wait to help you on Your Path To Career Bliss.

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Order Kathy’s book The Most Powerful You today! 

In Australia and New Zealand, click here to order, elsewhere outside North America, click here, and in the UK, click here.

If you enjoy the book, we’d so appreciate your giving the book a positive rating and review on Amazon! And check out Kathy’s digital companion course The Most Powerful You, to help you close the 7 most damaging power gaps in the most effective way possible. 

Submit your audio “Ask Kathy” questions here:

Kathy’s Power Gaps Survey, Support To Build Your LinkedIn Profile To Great Success & Other Free Resources

Kathy’s TEDx Talk, Time To Brave Up & Free Career Path Self-Assessment

Kathy’s Amazing Career Project video training course & 6 Dominant Action Styles Quiz


Other resources mentioned:

Catherine’s Membership, The Money Circle 

Her Facebook Group, The Money Panel ®. 

Catherine’s Podcast, In Her Financial Shoes & YouTube Channel 

The Initiative for Financial Wellbeing

Episode 205: Part 1: How To Build Financial Wellbeing Into the Heart of Your Life and Work, with Catherine Morgan

Kathy’s Forbes interview with Catherine, How To Experience Greater Financial Well-Being By Addressing Your Internal Blocks to Money

Bronnie Ware’s Appearance on Finding Brave 


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Brave by Design founder, Laura Khalil, has been on Finding Brave twice, most recently discussing the three key questions you need to ask yourself if you want to grow your business now, and I know you’ll find the revenue calculator helpful and a great complimentary resource to that episode. 

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“Often, when we really have to dig deep for our desires, those tend to be the most important ones.” [5:25]

“It’s not just about how much money we have, it’s about what we need that money for that’s going to mean we can feel aligned, not misaligned.” [7:18] 

The way that we feel about money tends to be one of two things. It’s either driven by the need for love, or the need for security and status.” [9:40]

“The ego seeks validation because it wants to feel safe, and that’s your brain’s ultimate goal.” [12:37]

“We can’t change what’s happened. We can’t change our surroundings or what went on around us, particularly as children, but we can go back and change the perception.” [17:51] 

“This is about creating independence for yourself, not codependence, especially for women.” [20:07]

“I’m making decisions that are right for me as an individual. We need to address financial goals separately before we do it in a relationship [with someone else].” [20:47]

Watch video versions of my interviews on Finding Brave! 

Don’t forget – you can experience each Finding Brave interview episode in both audio and video formats! Check out new and recent episodes on my Youtube channel at And please leave us a comment and a thumbs up if you like the show! 

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Is your organization committed to supporting the growth and success of both women and men in your workforce? If so, do they offer opportunities for powerful hands-on career growth and leadership training that addresses the real-world challenges that professional women face in the workplace and in their careers that are often different from what men typically face?

I’m so thrilled that recently, a division of the United Nations recently sponsored several memberships to The Most Powerful You course for their staff members and what a powerfully supportive move that is, to bring real-world effective career and leadership training to professionals in their work cultures, to help them thrive and succeed and the highest level possible in their work and projects.

Coaching so many professionals and leaders as I do each year, I see that leadership and career growth training programs today are so often NOT effective because they simply don’t go deep enough to address what really holds us back from thriving, believing in ourselves, recognizing our talents and abilities, communicating effectively, asking for what we need, saying “STOP!” to mistreatment, building a great support community, and making the true impact we long to.

I’d like to make this request of you today: 

Please take a look at what I’m teaching in The Most Powerful You course, which is the digital companion course to my book The Most Powerful You: 7 Bravery-Boosting Paths to Career Bliss, now translated into Chinese and Arabic and designated a top leadership book by the Leader to Leader Journal and among the TOP 5 books for productivity, confidence-building, addressing stress and burnout, helping new grads make a “dent in the Universe” and more by The Next Big Idea Club

If you feel that this content — about 7 most damaging power gaps that prevent 98% of women and 90% of men from reaching their highest potential and most rewarding goals and how to close those gaps for good — would be helpful for you and the people at your organization, I hope you’ll ask your supervisors, HR leaders, DEI managers and Learning & Development staff to sponsor memberships of this course for you and other staff, so you can all thrive at the highest level in your roles and organizations.

Thank you so much and here’s to becoming The Most Powerful You!


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Kathy’s new book The Most Powerful You: 7 Bravery-Boosting Paths to Career Bliss shares vital information on the 7 most damaging power gaps that 98% of professional women face and how to overcome them. Boost your power and confidence today!


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