HerMoney with Jean Chatzky

EP 517: Breaking Free From Destructive Money Patterns with Therapist Kati Morton


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Why do we keep doing the things we know aren’t good for our finances? Whether it’s emotional spending, avoiding a growing credit card balance, over-controlling every dollar, or saying “yes” to spending when we really mean “no”. So many of our money habits aren’t about math; they’re about emotion.

This week, Jean Chatzky sits down with licensed marriage and family therapist and mental health educator Kati Morton, author of the new book Why Do I Keep Doing This?, to unpack the psychology behind the patterns that keep us stuck, especially when it comes to money.

In this episode, we explore:

  • The difference between healthy control and control that quietly sabotages us
  • Why emotional spending happens — and how it differs from compulsive spending
  • How financial insecurity in childhood can shape our careers, relationships, and money mindset
  • Why the world feeling “out of control” can trigger impulsive financial decisions
  • How women nearing retirement can navigate financial anxiety during major life transitions
  • Practical tools to help break the cycle
  • And if you’re ready to take control of your financial future in an intentional way, join us in InvestingFixx, our investing community designed to help you build confidence, clarity, and long-term wealth.

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    HerMoney with Jean ChatzkyBy Jean Chatzky Her Money

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