In this powerful and deeply important conversation, Heidi Hadley is joined by financial literacy expert Emy Monday to explore why midlife women are now one of the fastest growing groups at risk of housing insecurity and homelessness and what can be done to change that trajectory.

Together, they unpack the often hidden pathways that lead women into vulnerability, including relationship breakdown, family and domestic violence, unpaid caregiving, renting later in life, and long standing financial blind spots that are rarely discussed until it is too late.

This episode goes beyond numbers and statistics to gently explore the emotional and nervous system layers that sit underneath money behaviours. Emy shares how scarcity mindset, fear of spending, people pleasing, guilt, and self worth patterns often develop through lived experience, trauma, and generational conditioning rather than poor decision making.

The conversation also shines a compassionate light on the silence many women grew up with around money. Heidi and Emy discuss how inherited beliefs about safety, dependence, and independence shape financial confidence and risk tolerance, and how women can break these cycles without blame or shame.

Importantly, this episode carries a strong message of hope. If you have ever thought, “I have left it too late,” this conversation is for you. Emy outlines realistic steps women can take now to rebuild financial self trust, create stability, and move toward sustainable independence at any stage of midlife.

You will hear practical, accessible guidance on:

• Why women’s homelessness is often undercounted and invisible
• The link between nervous system safety and financial avoidance
• Gentle ways to reconnect with your numbers without overwhelm
• Building a safety focused budget and financial buffer
• Planning for housing stability, even with modest or irregular income
• Why it is never too late to change your financial direction

This episode is not about personal financial advice. It is about education, empowerment, and creating a future that takes care of you.

If you are navigating midlife, supporting someone who is, or want to understand the deeper emotional and systemic factors shaping women’s financial wellbeing, this is a conversation you will not want to miss.

TO LEARN MORE & CONTACT WITH DR EMY MONDAY, PLEASE VISIT:

https://www.dremymonday.com

TO REGISTER FOR THE 'NAVIGATING MIDLIFE' SUMMIT IN FEBRUARY 2026, CLICK HERE.

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👉 Heidi’s TEDx Talk: “Pandiculation: The Natural Solution to Chronic Pain and Discomfort”

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https://youtu.be/hfOe-oiHWDU?si=weTCMHNHi1AzCJEA

Learn how your body’s instinctive movements can transform pain relief naturally.
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