Are you feeling the weight of this uncertain time? As we navigate times that can feel scary and unstable, money can play a pivotal role in grounding us and empowering us to show up for the causes and communities that matter most.

In this final Feelings and Finances episode for season 10, Linzy explores how financial stability can nurture your well-being and enable you to make a meaningful impact. From small, symbolic steps like creating a savings buffer to harnessing your finances for advocacy and care, this episode invites you to rethink the role of money during challenging times.

Tune in and explore how money can be a source of stability and strength for you right now.

For a full transcript of the episode and much more, check out the blog post on our website! https://moneynutsandbolts.com/?p=16137

To watch a video version of this, check it out on YouTube: https://youtu.be/HMtt2KgqfNk 

Have a question for Linzy?

 You can easily submit your question directly to Linzy’s SpeakPipe inbox. 

Just click the “Start recording” button, allow the use of the microphone if needed and press “Stop” when you’re done. Fill in your name (yes, you can use an alias) and your email address.  It will take you less than 2 minutes, promise!

Want to feel calm and in control of your finances? Connect with us!

Subscribe to our YouTube channel: https://www.youtube.com/@moneynutsandbolts

Listen to the Money Skills for Therapists Podcast on your favourite app: https://moneynutsandbolts.com/podcast/

Follow us on Instagram: https://www.instagram.com/moneynutsandbolts

Follow us on Facebook: https://www.facebook.com/moneynutsandbolts

Follow Linzy on LinkedIn: https://www.linkedin.com/in/linzybonham/

Want to work with Linzy?

Check out the FREE masterclass, The 4 Step Framework to Getting Your Business Finances Totally in Order, where you'll learn the framework that has helped hundreds of therapists go from money confusion and shame to calm and confidence, as well as the three biggest financial mistakes that therapists make. At the end, you'll be invited to join Money Skills for Therapists and get Linzy's support in getting your finances finally working for you. Click here to find a masterclass time that works for you! 

https://moneynutsandbolts.com/masterclass-signup/ 

Mentioned in this episode:

Check Out Relay for Business Banking

Skip banking fees, minimum balances, and tedious bank visits. Start with the unicorn of all banks, Relay, my go-to money management and online banking platform.

Sign Up for Relay

How do you balance debt repayment with the rest of your financial life? In today’s episode, certified financial planner David Frank returns to the podcast to talk with Linzy about one of the most common and challenging questions among Money Skills for Therapists students: how to prioritize debt repayment without sacrificing quality of life.

Linzy and David explore the emotional weight of debt, discussing how shame and societal expectations often shape our views on borrowing and repayment. David explains the key differences between simple and compound interest, laying out how to assess different types of debt and make more informed choices. He also offers a clear approach to calculating the real costs of debt and shares why overly complex financial advice can sometimes be a warning sign.

Linzy and David emphasize the importance of finding a middle ground that aligns with your financial goals and personal well-being. Tune in to hear practical advice about how to take steps toward building a balanced and confident financial life.

For a full transcript of the episode and much more, check out the blog post on our website! https://moneynutsandbolts.com/?p=16122

To watch a video version of this, check it out on YouTube: https://youtu.be/lRSBCcvC-nE 

To tune into the coaching episodes Linzy mentioned related to paying down debt, see episode 114 with Jenet Dove and episode 88 with Erin Davis. 

For more from David and Linzy, check out:

104: How Deep Work Can Enhance Your Business with David Frank

83: Embracing Emotions for Financial Wellness with David Frank

Connect with David Frank

David Frank has a lot of free resources & webinars on his website, like his training “Retirement Plans Fundamentals for Private Practice Owners”,  or his “Finance Quick Start Guide for Therapists”. Check those out here. 

You can also find David on LinkedIn: https://www.linkedin.com/in/davidwfrank/ 

Mentioned in this episode:

Check Out Relay for Business Banking

Skip banking fees, minimum balances, and tedious bank visits. Start with the unicorn of all banks, Relay, my go-to money management and online banking platform.

Sign Up for Relay

Try Out Jane’s New Balance Plan

Cover your EMR needs with Jane’s new Balance Plan:

Try Out Jane’s new Balance Plan

How hard is it to start your own private practice, and how do you know when it's time to go for it? In today’s Feelings and Finances episode, host Linzy shares her thoughts on transitioning from agency or group practice settings to launching a private practice. Money Skills team member Christelle calls in with this frequently asked question, and Linzy offers insights for therapists wondering if and when to go solo.

Linzy explores two paths to entering private practice, and she covers the essentials that therapists need to consider before making the shift. Linzy emphasizes that while building a private practice requires effort and planning, the outcome—a sustainable practice that reflects your personal values and financial needs—is deeply rewarding.

Tune in to hear Linzy unpack the realities, challenges, and surprising opportunities that come with starting a private practice. Hear Linzy’s practical advice and encouragement to help you make the best decision for your unique circumstances.

For a full transcript of the episode and much more, check out the blog post on our website! https://moneynutsandbolts.com/?p=16112 

To watch a video version of this, check it out on YouTube: https://youtu.be/cLcwGdlTxE8 

Have a question for Linzy?

 You can easily submit your question directly to Linzy’s SpeakPipe inbox. 

Just click the “Start recording” button, allow the use of the microphone if needed and press “Stop” when you’re done. Fill in your name (yes, you can use an alias) and your email address.  It will take you less than 2 minutes, promise!

Want to feel calm and in control of your finances? Connect with us!

Subscribe to our YouTube channel: https://www.youtube.com/@moneynutsandbolts

Listen to the Money Skills for Therapists Podcast on your favourite app: https://moneynutsandbolts.com/podcast/

Follow us on Instagram: https://www.instagram.com/moneynutsandbolts

Follow us on Facebook: https://www.facebook.com/moneynutsandbolts

Follow Linzy on LinkedIn: https://www.linkedin.com/in/linzybonham/

Want to work with Linzy?

Check out the FREE masterclass, The 4 Step Framework to Getting Your Business Finances Totally in Order, where you'll learn the framework that has helped hundreds of therapists go from money confusion and shame to calm and confidence, as well as the three biggest financial mistakes that therapists make. At the end, you'll be invited to join Money Skills for Therapists and get Linzy's support in getting your finances finally working for you. Click here to find a masterclass time that works for you!

Mentioned in this episode:

Check Out Relay for Business Banking

Skip banking fees, minimum balances, and tedious bank visits. Start with the unicorn of all banks, Relay, my go-to money management and online banking platform.

Sign Up for Relay

Are you a private practitioner with a side project or budding business that feels both exciting and a little terrifying? In today’s coaching episode, Linzy sits down with Sara Nelson-Johns, a recent Money Skills for Therapists graduate, to tackle some common yet challenging questions about scaling a second business. Sara, who specializes in ADHD, relationship challenges, and perfectionism in her main practice, has developed an planners for people with ADHD, designed to help them organize their lives in a brain-friendly way.

Linzy and Sara explore the daunting experience of being “seen” as a business owner. Linzy shares about how it can feel safer to work one-on-one with clients in a therapy room and how putting a product out there for the world can bring up fears of exposure and invalidation. Together, Linzy and Sara examine ways to shift this mindset, moving from feeling overly vulnerable to building a resilient and strategic approach to business. Linzy also offers practical advice on building a business that allows you to grow in alignment with your values and goals, without overwhelming the most sensitive parts of yourself.

Whether you’re just starting a side project or are ready to take your business to the next level, this episode is packed with insight, encouragement, and the reminder that moving forward, even when it’s scary, can lead to real growth. Tune in to uncover practical steps for scaling your business with confidence and clarity.

For a full transcript of the episode and much more, check out the blog post on our website! https://moneynutsandbolts.com/?p=16094 

To watch a video version of this, check it out on YouTube: https://youtu.be/jBK7pkMZ1tE 

Check Out the Adulting Planner 

Are you ready for a different kind of year? Take charge of your brain and make it work for you this year. Get your Adulting Planner w/ Stickers for 2025 HERE.

Want to work with Linzy?

Check out the FREE masterclass, The 4 Step Framework to Getting Your Business Finances Totally in Order, where you'll learn the framework that has helped hundreds of therapists go from money confusion and shame to calm and confidence, as well as the three biggest financial mistakes that therapists make. At the end, you'll be invited to join Money Skills for Therapists and get Linzy's support in getting your finances finally working for you. Click here to find a masterclass time that works for you! 

https://moneynutsandbolts.com/masterclass-signup/

Mentioned in this episode:

Check Out Relay for Business Banking

Skip banking fees, minimum balances, and tedious bank visits. Start with the unicorn of all banks, Relay, my go-to money management and online banking platform.

Sign Up for Relay

Try Out Jane’s New Balance Plan

Cover your EMR needs with Jane’s new Balance Plan:

Try Out Jane’s new Balance Plan

Do you find yourself slipping into a scarcity mindset when stress levels rise? In today’s Feelings and Finances episode, Linzy addresses a question from Dr. Charissa Pizarro, who has noticed that stress often triggers her fears around money. After working through Linzy’s Money Skills for Therapists course, Charissa shares how this pattern keeps surfacing, and she asks for guidance on how to break free.

Linzy dives into the link between stress and scarcity thinking, exploring why our minds default to financial fears during tough times and how we can interrupt this cycle. Offering practical advice and mindset shifts, Linzy helps listeners find ways to calm their nervous system and foster a more peaceful approach to money, even in the face of stress.

For more from Charissa talking with Linzy during a coaching session, check out episode 122, "Navigating Trauma and Money Mindset Coaching Session," on the blog or on YouTube. https://www.youtube.com/watch?v=Ouzhc0SocB8&t=1s

If you tend to fall into scarcity thinking when life gets overwhelming, tune in for insights and strategies to build a calmer, more resilient relationship with money.

For a full transcript of the episode and much more, check out the blog post on our website! https://moneynutsandbolts.com/?p=16053

To watch a video version of this, check it out on YouTube: https://youtu.be/FcMan8UB4sA

Have a question for Linzy?

You can easily submit your question directly to Linzy’s SpeakPipe inbox.

Just click the “Start recording” button, allow the use of the microphone if needed and press “Stop” when you’re done. Fill in your name (yes, you can use an alias) and your email address. It will take you less than 2 minutes, promise!

Want to feel calm and in control of your finances? Connect with us!

🎥 Subscribe to our YouTube channel: https://www.youtube.com/@moneynutsandbolts

🎙️ Listen to the Money Skills for Therapists Podcast on your favourite app: https://moneynutsandbolts.com/podcast/

🤳 Follow us on Instagram: https://www.instagram.com/moneynutsandbolts

📲 Follow us on Facebook: https://www.facebook.com/moneynutsandbolts

💻 Follow Linzy on LinkedIn: https://www.linkedin.com/in/linzybonham/

Want to work with Linzy?

Check out the FREE masterclass, The 4 Step Framework to Getting Your Business Finances Totally in Order, where you'll learn the framework that has helped hundreds of therapists go from money confusion and shame to calm and confidence, as well as the three biggest financial mistakes that therapists make. At the end, you'll be invited to join Money Skills for Therapists and get Linzy's support in getting your finances finally working for you. Click here to find a masterclass time that works for you!

https://moneynutsandbolts.com/masterclass-signup/

Mentioned in this episode:

Check Out Relay for Business Banking

Skip banking fees, minimum balances, and tedious bank visits. Start with the unicorn of all banks, Relay, my go-to money management and online banking platform.

Sign Up for Relay

How does culture shape the way we see and handle money? Linzy is talking with Chioma Janelle Efejedia, a therapist from Kitchener, Ontario. Together, Linzy and Chioma unpack how cultural and systemic influences shape our money stories and some of the unique challenges that individuals can face. Chioma also shares about susu, a traditional, community-based financial model, and talks about how these collective practices build resilience and support within communities.

Whether you're interested in the intersection of culture and finances or looking for fresh perspectives on traditional financial models, this episode offers insights you won’t want to miss. Join Linzy and Chioma for a thoughtful conversation on how our backgrounds shape our money stories and what we can learn from collectivist financial practices.

For a full transcript of the episode and much more, check out the blog post on our website! https://moneynutsandbolts.com/?p=16030 

To watch a video version of this, check it out on YouTube: https://youtu.be/snGlzlX6yEY 

Mentioned in this episode:

Try Out Jane’s New Balance Plan

Cover your EMR needs with Jane’s new Balance Plan:

Try Out Jane’s new Balance Plan

Check Out Relay for Business Banking

Skip banking fees, minimum balances, and tedious bank visits. Start with the unicorn of all banks, Relay, my go-to money management and online banking platform.

Sign Up for Relay

Do you feel stuck, even after achieving the success you once worked so hard for? In today’s coaching session, Linzy sits down with Walter Williams, a therapist who has transitioned from a challenging upbringing of poverty and adversity to running a successful private practice. Walter opens up about the emotional experience of feeling frozen in his new life, struggling to catch up to the success he's worked so hard to achieve. Together, Walter and Linzy explore the gap between surviving and truly thriving, and what it takes to bridge that divide.

In this episode, Linzy and Walter discuss the inner work of caring for younger versions of ourselves that might still be stuck in survival mode, even when our external lives look successful. Linzy shares practical strategies to overcome limiting beliefs, step into more expansive spaces, and fully embrace the abundance you've built.

If you've ever felt held back by fears or found it difficult to enjoy your success or to take next steps in your growth, this conversation will help you get unstuck and live fully in the life you've created. Tune in for an inspiring discussion about the journey from survival to thriving.

For a full transcript of the episode and much more, check out the blog post on our website! https://moneynutsandbolts.com/?p=15918

To watch a video version of this, check it out on YouTube: https://youtu.be/bO-QerGbZYw

Mentioned in this episode:

Check Out Relay for Business Banking

Skip banking fees, minimum balances, and tedious bank visits. Start with the unicorn of all banks, Relay, my go-to money management and online banking platform.

Sign Up for Relay

Try Out Jane’s New Balance Plan

Cover your EMR needs with Jane’s new Balance Plan:

Try Out Jane’s new Balance Plan

Does the thought of talking to financial experts stir up feelings of anxiety or even fear? If so, you're not alone. In today's Feelings and Finances episode, Linzy addresses a question about financial avoidance and the emotional hurdles that come with sharing real numbers with financial experts.

Jade, the marketing coordinator at Money Nuts & Bolts, asks for advice on managing the anxiety she feels when seeking financial support. Although she's making progress in overcoming avoidance, Jade still feels vulnerable when sharing her financial details and navigating these conversations.

Linzy shares strategies for shifting your mindset, reclaiming your power, and approaching financial experts with confidence, all while staying grounded in your needs and emotions.

If you struggle with rejection sensitivity, financial anxiety, or simply the discomfort of opening up to experts, this episode offers practical tools to help you feel more in control during these conversations.

For a full transcript of the episode and much more, check out the blog post on our website! https://moneynutsandbolts.com/?p=15948 

To watch a video version of this, check it out on YouTube: https://youtu.be/9YI8YtATCLQ 

Have a question for Linzy?

 You can easily submit your question directly to Linzy’s SpeakPipe inbox. 

Just click the “Start recording” button, allow the use of the microphone if needed and press “Stop” when you’re done. Fill in your name (yes, you can use an alias) and your email address.  It will take you less than 2 minutes, promise!

Want to feel calm and in control of your finances? Connect with us!

Subscribe to our YouTube channel: https://www.youtube.com/@moneynutsandbolts

Listen to the Money Skills for Therapists Podcast on your favourite app: https://moneynutsandbolts.com/podcast/

Follow us on Instagram: https://www.instagram.com/moneynutsandbolts

Follow us on Facebook: https://www.facebook.com/moneynutsandbolts

Follow Linzy on LinkedIn: https://www.linkedin.com/in/linzybonham/

Mentioned in this episode:

Check Out Relay for Business Banking

Skip banking fees, minimum balances, and tedious bank visits. Start with the unicorn of all banks, Relay, my go-to money management and online banking platform.

Sign Up for Relay

Do you find yourself stuck in the same financial patterns, even when you know better? In this episode, Linzy chats with financial advisor TJ van Gerven, founder of Modern Wealth Builders and host of the Do More With Your Money podcast, to unpack the behavioral biases that often keep us from making the best financial decisions.

Linzy and TJ explore how these money stories shape our relationship with money and what we can do to overcome them. TJ and Linzy share about balancing present needs with future goals, the importance of investing to combat inflation, and different ways to invest so that your money can grow. They also discuss how to navigate conflicting advice from financial advisors and why diversifying your investments can help you avoid financial paralysis.

For listeners who feel stuck in your financial habits, this episode offers practical tips to help you reframe your thinking and take meaningful steps toward long-term financial stability. Tune in to discover how shifting your mindset can lead to lasting changes for your financial future.

For a full transcript of the episode and much more, check out the blog post on our website! https://moneynutsandbolts.com/?p=15911

To watch a video version of this, check it out on YouTube: https://youtu.be/jcs9gEhy_Nk 

You can schedule a free consultation with T.J. HERE. https://modernwealthbuilders.com/intro

Follow T.J. for more resources on these social media platforms:

Twitter  - LinkedIn - Instagram & YouTube

Mentioned in this episode:

Try Out Jane’s New Balance Plan

Cover your EMR needs with Jane’s new Balance Plan:

Try Out Jane’s new Balance Plan

Check Out Relay for Business Banking

Skip banking fees, minimum balances, and tedious bank visits. Start with the unicorn of all banks, Relay, my go-to money management and online banking platform.

Sign Up for Relay

Have you ever found yourself struggling to balance keeping your overhead low with the need to invest in your business? In this Feelings and Finances episode, Linzy takes on a thoughtful question from listener Liz about managing business expenses while ensuring your practice stays financially healthy. Linzy shares practical insights on how therapists can evaluate their spending to maintain a sustainable practice and support long-term growth.

Linzy explores how private practitioners can navigate the delicate balance between staying lean with their finances and making smart investments in their businesses. Whether you're just starting out or already established in private practice, this episode offers actionable advice to help you make informed financial decisions.

From managing expenses to planning for future growth, Linzy provides clear strategies to help therapists feel confident about their financial footing while building a thriving practice. Tune in for an episode packed with real-world tips that will set you up for success.

For a full transcript of the episode and much more, check out the blog post on our website! https://moneynutsandbolts.com/?p=15883

To watch a video version of this, check it out on YouTube: https://youtu.be/gw0bF6l5HDs 

Have a question for Linzy?

 You can easily submit your question directly to Linzy’s SpeakPipe inbox. 

Just click the “Start recording” button, allow the use of the microphone if needed and press “Stop” when you’re done. Fill in your name (yes, you can use an alias) and your email address.  It will take you less than 2 minutes, promise!

Want to feel calm and in control of your finances? Connect with us!

Subscribe to our YouTube channel: https://www.youtube.com/@moneynutsandbolts

Listen to the Money Skills for Therapists Podcast on your favourite app: https://moneynutsandbolts.com/podcast/

Follow us on Instagram: https://www.instagram.com/moneynutsandbolts

Follow us on Facebook: https://www.facebook.com/moneynutsandbolts

Follow Linzy on LinkedIn: https://www.linkedin.com/in/linzybonham/

Mentioned in this episode:

Check Out Relay for Business Banking

Skip banking fees, minimum balances, and tedious bank visits. Start with the unicorn of all banks, Relay, my go-to money management and online banking platform.

Sign Up for Relay