Faith is a big part of our relationship to money. And this is something that I've had come up with my students over the years, not surprisingly, as they're working through their beliefs around money. 

So many of the messages we receive about money come from this space -- either from what we witnessed growing up in a faith community or from experiences within our current community. And sometimes these beliefs are ones that folks don't want to hold anymore, but they’ve already shaped how they think about money and the world. 

In today’s episode, faith-based private practice consultant Whitney Owens and I get into how she reconciles her Christian faith with charging premium fees and building wealth in her group practice. She shares what it means to be a financially successful Christian, and how being such elicits feelings of guilt. We also discuss messages about frugality, specifically in Christianity.

(00:04:17) Enhancing Impact through Team and Services 

(00:10:26) Balancing Faith and Financial Success 

(00:14:16) The Relationship Between Premium Fees and Client Commitment 

(00:17:32) Stewardship and Relationships: Impact of Financial Earnings 

(00:22:12) Money Management Aligned with Christian Values 

(00:28:15) Navigating Emotional Struggles of Financial Success 

(00:31:38) Transformative Profit-First Money Management Strategies 

Faith and money are intertwined in our daily lives, whether we realize it or not. 

By intentionally aligning our financial decisions with our spiritual values, we become more financially confident and experience feelings of security and fulfillment. As a result, we’re more likely to make decisions that benefit others.

When we charge higher rates, for example, we are taking care of ourselves and valuing our worth, which allows us to better serve our clients and ultimately provide them with the best care possible. It's a cycle of self-care leading to better client care, creating a positive impact on both sides of the relationship.

"When we don't charge our full fees, we don't feel good about ourselves. We are overwhelmed because we have to see more clients. So it's the idea that we're actually serving our clients by serving ourselves. It's like circular, right? Cyclical." - Whitney Owens

In addition to implementing profit-first strategies in business, creating a supportive team and culture is crucial to achieving financial success, because it sets the tone for how financial decisions are made. When team members feel supported and valued in their workplace, they are more likely to make decisions that align with their values, including their spiritual beliefs.

Consider these actions to align your money management habits with your faith and personal values: 

• Invest in marketing services, business consulting, and essential tasks that align with your goals and values to expand your reach and fulfill your mission
• Create a supportive team and culture that compensates your team members fairly and promotes enjoyment in your workplace
• Charge premium fees for your therapy work to increase client commitment and to allow yourself to show up as your very best self for those you’re serving 
• Be a good steward of finances in support of your personal values, using money to care for and support yourself and others, and have a positive impact on issues that matter most to you 
• Manage money based on your mission to do good in the world, balancing frugality and excessive consumption
• Implement profit-first strategies and systems in your business, allowing yourself to become the confident, empowered business owner who makes strategic investments 

Are you a Solo Private Practice Owner? 

I made this course just for you: Money Skills for Therapists. My signature course has been carefully designed to take therapists from money confusion, shame, and uncertainty – to calm and confidence. In this course I give you everything you need to create financial peace of mind as a therapist in solo private practice. 

Want to learn more? Click here to register for my free masterclass, “The 4 Step Framework to Get Your Business Finances Totally in Order.” 

This masterclass is your way to get a feel for my approach, learn exactly what I teach inside Money Skills for Therapists, and get your invite to join us in the course. 

Are you a Group Practice Owner? 

Join the waitlist for Money Skills for Group Practice Owners. This course takes you from feeling like an overworked, stressed and underpaid group practice owner, to being the confident and empowered financial leader of your group practice. 

Want to learn more? Click here to learn more and join the waitlist for Money Skills for Group Practice Owners. The next cohort starts in January 2026. 

Get to Know Whitney Owens:  

Whitney Owens is a licensed professional counselor, group practice owner, and faith-based private practice consultant. She is located in Savannah, Georgia, where she manages a private pay group practice with 17 plus clinicians. Along with running her practice, she consults practice owners around the country on how to start and grow a successful faith-based practice. She hosts summits, a weekly podcast, and a membership community for faith-based practice owners called Wise Practice. She has spoken at numerous events such as the American Counseling Association and professional counselor conferences in Georgia and Maryland. In her free time, Whitney enjoys spending time with her husband and two girls, running, reading, and relaxing in the backyard. 

Follow Whitney Owens:  

Instagram: www.instagram.com/wise_practice_consulting 

Therapy Practice: https://watersedgecounseling.com/ 

Practice Consulting: wisepracticeconsulting.com 

Free Facebook Membership Community for Faith based Practice Owners: https://www.facebook.com/groups/533909554128629 

The Wise Practice Podcast: https://www.wisepracticeconsulting.com/wise-practice-podcast 

Mentioned in this episode:

Want to Stay In Touch?

As an email subscriber, you'll be the first to know when a new episode goes live, receive invitations to my online events throughout the year, and get notified when the doors open for Money Skills for Therapists, the course. I've been hosting interactive online workshops FULL of free value this summer and fall, offered only to those on the list, so join the email list today & you can attend the next free workshop! Sign up for any free resource or just scroll to the bottom and complete the form.

Join the email list

How much and how often should I be paying myself from my private practice?  

How can I effectively manage my business expenses? 

How much money should I spend on personal development each year?  

How much should I set aside for taxes? 

These are some of the most common questions I help therapists solve when they join my signature course, Money Skills For Therapists, and are looking to gain clarity into their business finances and create stability in their practices.  

In this podcast episode, I offer an in-depth overview of the various jobs your money must do, no matter how much of it you’re making or the size of your practice.  

But before we dive into the specifics of all these different jobs, the core concept that I want to leave you with today is that your money needs to take care of you.

(00:22:52) “What you can control is what you are doing with your money. We need to focus on what is in our control.” — Linzy Bonham 

In our professions, we give so much time and energy to our clients. We're also natural caregivers to our children or our aging parents, or we’re giving to our community and our friends in all these other ways. We tend to be very giving, self-sacrificing humans.

What’s important to remember is that when you build a business and start generating money, part of that business’ job is to take care of you so that you can keep showing up in life - both professionally and personally - and do the incredible work in the way that only you can do it.

The first step to making your money work for you is to identify business non-negotiables like taxes, rent, software, utilities, and other expenses that are required for you to conduct business. Many practice owners find it useful to use multiple bank accounts – one for each large expense group like taxes, business expenses, and payroll – to help manage and visualize how much money goes toward each category.

For variable expenses, like personal development, getting clear on your budget, being strategic and making informed decisions can help prevent overspending funds you might need for license renewals or other necessary expenses.

And rather than swiping cash from the business to pay your mortgage or other personal bills just before they’re due, you can begin to create stability and security in your personal financial life by having a clear and consistent amount deposited into your personal checking account each month as a regular, reliable paycheck that you and your family can depend on.

(00:13:31) "Your business needs to be paying you regular, reliable paychecks that your family can depend on." - Linzy Bonham 

(00:05:25) Separating Your Revenue into Necessary Expense Categories 

(00:07:17) Optimizing Business Expenses for Private Therapy Practices 

(00:10:35) Strategic Budgeting for Personal Development & Continuous Learning 

(00:13:37) Profit & Paycheck Systems That Create Financial Stability at Home 

(00:18:06) Establishing Expense Buffers to Sustain Your Practice During Rough Patches 

Action Steps for Therapists Who Want to Create Financial Stability with Their Private Practice

If you’re ready to feel calmer and more confident with your business finances, here are a few small but powerful steps you can take: 

• Open a dedicated bank account for taxes. Give your tax money a clear home so it’s always ready when you need it. 
• Get clear on your expenses. Take a look at both your fixed costs (like rent and software) and your variable ones (like trainings or supplies) so you know what’s truly required to keep things running smoothly. 
• Set a thoughtful budget for professional development. Decide how much you’ll invest in your growth this year — and give yourself permission to stay within that boundary. 
• Create a consistent paycheck system. Paying yourself regularly helps your personal finances feel stable and dependable. 
• Build small buffers into your business accounts. These little cushions can make all the difference when unexpected expenses come up. 
• Join my free masterclass. Learn the three most common mistakes that keep therapists from finding clarity and peace in their private practice finances — and what to do instead. 

Are you a Solo Private Practice Owner? 

I made this course just for you: Money Skills for Therapists. My signature course has been carefully designed to take therapists from money confusion, shame, and uncertainty – to calm and confidence. In this course I give you everything you need to create financial peace of mind as a therapist in solo private practice. 

Want to learn more? Click here to register for my free masterclass, “The 4 Step Framework to Get Your Business Finances Totally in Order.” 

This masterclass is your way to get a feel for my approach, learn exactly what I teach inside Money Skills for Therapists, and get your invite to join us in the course. 

Are you a Group Practice Owner? 

Join the waitlist for Money Skills for Group Practice Owners. This course takes you from feeling like an overworked, stressed and underpaid group practice owner, to being the confident and empowered financial leader of your group practice. 

Get to Know Linzy Bonham:  

Linzy Bonham is a private practice therapist turned money coach who helps private practice owners and health professionals feel calm and in control of their finances through her coaching at Money Nuts & Bolts and her podcast Money Skills for Therapists. 

It all started when she saw her extremely skilled colleagues struggle with the money side of business. Some had even left private practice, or were avoiding starting one, because the financial side was too stressful. 

So Linzy decided to help therapists and health professionals develop peace of mind about their money. Since so many were never taught these skills, she focuses on the “how” of making the business side of private practice doable, and even super satisfying. 

Follow Linzy Bonham:  

About Page:  https://moneynutsandbolts.com/about/ 

LinkedIn: https://www.linkedin.com/in/linzybonham/ 

Instagram: https://www.instagram.com/moneynutsandbolts/ 

Mentioned in this episode:

Want to Stay In Touch?

As an email subscriber, you'll be the first to know when a new episode goes live, receive invitations to my online events throughout the year, and get notified when the doors open for Money Skills for Therapists, the course. I've been hosting interactive online workshops FULL of free value this summer and fall, offered only to those on the list, so join the email list today & you can attend the next free workshop! Sign up for any free resource or just scroll to the bottom and complete the form.

Join the email list

How much should you charge for a talk?  

That’s the question my guest, Alyssa Zajael, has been exploring lately after receiving invitations to speak at a few small local organizations and a larger college group. As a graduate of my Money Skills for Therapists course, Alyssa already feels confident in her one-on-one pricing and the financial management of her solo practice. But stepping onto a stage and speaking to a bigger audience brings a whole new set of questions — about value, purpose, and alignment. 

In this coaching conversation, I help Alyssa connect her service offerings with her personal passions, business goals, and the value she brings to her audience. Together, we explore how to set speaker fees that feel right — starting points that honor her time and energy while also considering the type of audience she’ll be speaking to. 

If you’ve ever wondered how to confidently set a fee for speaking — one that reflects both your expertise and your energy — this episode will give you a grounded way to start that conversation. 

(00:01:30) Charging for Services: Valuing Expertise and Pricing 

(00:04:48) Navigating Pricing Challenges and Building Confidence 

(00:10:28) Challenging Sports Culture: Mental Health Normalization 

(00:16:18) Normalizing Mental Health in Sports Culture through Public Speaking 

(00:19:33) Tailoring Pricing Strategies for Speaker Engagements 

(00:26:18) Value-Based Pricing Strategies for Effective Engagements 

(00:30:43) Strategic Pricing through Audience Value Analysis 

We talk about the difference between value-based pricing and the more familiar commodity-based pricing many therapists are used to. We also walk through some of the factors that can influence your speaker fee — like whether your ideal clients are in the audience, the effort you put into preparation, the size and reach of the organization, how many people will be attending, and the kind of impact or results the audience might receive. We even touch on ways to think about compensation beyond a flat fee, such as book sales, follow-up sessions, or other creative exchanges. 

(00:35:32) "Pricing is a conversation. So, it's only when we put out our pricing that we can get feedback on how close that is to what our ideal target audience is looking and able to pay." - Linzy Bonham 

Are you a Solo Private Practice Owner? 

I made this course just for you: Money Skills for Therapists. My signature course has been carefully designed to take therapists from money confusion, shame, and uncertainty – to calm and confidence. In this course I give you everything you need to create financial peace of mind as a therapist in solo private practice. 

Want to learn more? Click here to register for my free masterclass, “The 4 Step Framework to Get Your Business Finances Totally in Order.” 

This masterclass is your way to get a feel for my approach, learn exactly what I teach inside Money Skills for Therapists, and get your invite to join us in the course. 

Are you a Group Practice Owner? 

Join the waitlist for Money Skills for Group Practice Owners. This course takes you from feeling like an overworked, stressed and underpaid group practice owner, to being the confident and empowered financial leader of your group practice. 

Get to know Alyssa Zajdel: 

Dr. Alyssa Zajdel is a licensed psychologist and Certified Mental Performance Consultant based in Milwaukee, WI. She specializes in helping athletes and high performers manage anxiety, build confidence, and reach peak performance through her private practice, Inside Edge Counseling and Consulting. In addition to her clinical work, she is an assistant professor at the Wisconsin School of Professional Psychology, where she teaches and mentors doctoral students. Outside of her professional life, Alyssa enjoys reading, cooking, figure skating, working out, and spending time with her husband and their dog. 

Follow Alyssa Zajdel:  

Website: https://www.insideedgecounseling.com/ 

Mentioned in this episode:

Want to Stay In Touch?

As an email subscriber, you'll be the first to know when a new episode goes live, receive invitations to my online events throughout the year, and get notified when the doors open for Money Skills for Therapists, the course. I've been hosting interactive online workshops FULL of free value this summer and fall, offered only to those on the list, so join the email list today & you can attend the next free workshop! Sign up for any free resource or just scroll to the bottom and complete the form.

Join the email list

As therapists, we often see bookkeepers as the magicians of our business finances — the ones who keep everything organized, balanced, and under control. I’ve noticed, though, that many of us feel a gap between what our bookkeepers know and what we understand about how money actually works in our own practices. 

In this episode, I talk about some of the defensiveness and gatekeeping that can show up in the financial world — especially around bookkeeping — and how it mirrors what therapists and counselors experience when it comes to how our work is valued and compensated. 

My guest, Sara Walls, has experienced both sides of that story. She started out as a therapist who needed help managing her practice finances and eventually became a bookkeeper who now supports other therapists with their money. Sara actually stepped away from private practice for a while, until she discovered tools like Profit First by Mike Michalowicz and my course, Money Skills for Therapists. Those resources helped her find clarity and confidence with her finances. 

One of Sara’s biggest realizations during that process is summed up beautifully in this quote: 

(00:06:17) “It became clear the more I got into it that what I didn’t know was how much I could actually afford to pay myself, when I could pay myself, how consistently I could pay myself, exactly how much I should be saving for taxes.” — Sara Walls 

In our conversation, Sara shares her journey from therapist to bookkeeper, practical financial habits that therapists and health practitioners in private practice can build, and some helpful ways to make yourself work on your money — especially if you have ADHD or are neurodivergent. 

(00:02:45) Bookkeepers' Unrecognized Complexity in Accounting Profession 

(00:08:45) Therapist turned Bookkeeper shares financial insights 

(00:19:10) Bookkeepers: Undervalued and Underpaid Professionals 

(00:20:58) Routine Financial Engagement for Reduced Money Stress 

(00:28:44) Financial Co-Regulation for Enhanced Accountability 

(00:30:37) Financial Literacy Training for Therapists 

Finding the right financial professional for your practice often means having an honest conversation or even an interview to get a feel for how transparent and open they are when you ask questions, and how they view your roles in the business relationship. Some bookkeepers may hold their cards close as a way to “protect” their value, while some practice owners might not realize just how complex the work of keeping finances straight really is. 

Here are a few ways you can start improving your bookkeeping and financial management skills right now in your therapy practice: 

• Establish a financial routine: Regularly approach your finances, whether it's checking your bank app, updating spreadsheets, or using accounting software like QuickBooks.  
• Systemize & organize: Keep track of your income and expenses in a consistent way. A little automation and delegation can go a long way in helping you stay on top of things. 
• Learn basic accounting: Understanding simple accounting concepts like debits and credits can give you confidence and make your financial decisions much easier. 
• Find assistance & accountability: Work with a bookkeeper who understands the unique needs of therapists and small business owners, and who’s open, transparent, and happy to answer your questions. 
• Avoid the “it’s a write-off!” trap: Deductions can be helpful, but make sure you’re also paying yourself consistently and setting aside enough for taxes. 
• Evaluate your support: Take a moment to reflect on your current financial professionals. If they’re not responsive, transparent, or aligned with your goals, it might be time to find a bookkeeper, advisor, or CPA who’s a better fit. 

Are you a Solo Private Practice Owner? 

I made this course just for you: Money Skills for Therapists. My signature course has been carefully designed to take therapists from money confusion, shame, and uncertainty – to calm and confidence. In this course I give you everything you need to create financial peace of mind as a therapist in solo private practice. 

Want to learn more? Click here to register for my free masterclass, “The 4 Step Framework to Get Your Business Finances Totally in Order.” 

This masterclass is your way to get a feel for my approach, learn exactly what I teach inside Money Skills for Therapists, and get your invite to join us in the course. 

Are you a Group Practice Owner? 

Join the waitlist for Money Skills for Group Practice Owners. This course takes you from feeling like an overworked, stressed and underpaid group practice owner, to being the confident and empowered financial leader of your group practice. 

Want to learn more? Click here to learn more and join the waitlist for Money Skills for Group Practice Owners. The next cohort starts in January 2026. 

Get to Know Sara Walls:  

Sara Walls is a clinical social worker and entrepreneur based in Houston, Texas, who has expanded her professional repertoire to include a specialized bookkeeping service for therapists. A graduate of Money Skills for Therapists, Sara started Little Frog Financial, a year and a half ago to help fellow therapists and small business owners navigate the often-daunting world of financial management. Her personal experience with the financial challenges common in the therapeutic field has uniquely equipped her to assist others in overcoming similar obstacles.  

Follow Sara Walls:  

LinkedIn: https://www.linkedin.com/in/sarawallslcsw/ 

Instagram: https://www.instagram.com/sarawallslcsw/ 

Mentioned in this episode:

Want to Stay In Touch?

As an email subscriber, you'll be the first to know when a new episode goes live, receive invitations to my online events throughout the year, and get notified when the doors open for Money Skills for Therapists, the course. I've been hosting interactive online workshops FULL of free value this summer and fall, offered only to those on the list, so join the email list today & you can attend the next free workshop! Sign up for any free resource or just scroll to the bottom and complete the form.

Join the email list

If you feel like focus, organization, and impulsivity are some of your biggest challenges to managing your finances well, or that procrastination or avoidant behaviors sabotage your intentions with money, this episode will help ease the frustration.  

In the last couple years, I have had this surge of students who have had recent ADD diagnoses. These are usually women, usually being diagnosed in their late 30s or in their 40s. Since ADD doesn’t present the same way for girls as it does for boys during the elementary years, many young girls went undiagnosed in the 90s and have been silently struggling with the symptoms their entire lives.  

So, in this episode, I talk about why ADD makes money so much harder, and how you can handle this challenge with executive functioning. 

The result is an entire generation of adult women finally feeling relieved of guilt and frustration around some of their biggest, seemingly disconnected challenges. Some practical advice for those impacted by forgetfulness, hindered focus, or being easily distracted includes:  

1. Co-regulate or body-double with a trusted “financial buddy” or community where you find accountability and can thrive off of joint energy dedicated to completing your financial tasks for the week during that appointment. 
2. Create automatic, scheduled “appointments” with yourself for dedicated attention to your finances.  
3. Let automation help you with repetitive financial tasks – think automatic transfers and bill payments.  
4. Delegate tasks that require human thought to someone (like a virtual assistant or bookkeeper) who loves that type of work. 

Your energy is not best used doing tasks you hate, but you can never give away the financial leadership part of your business. But you can give away these menial little tasks that to you feel are boring and maybe meaningless that somebody else actually really enjoys doing.  

Instill automation and people to help you so that you can step into the role of the CEO who looks at the big picture, decides on values-aligned actions, and makes big or difficult decisions for the business. Pairing with someone who loves bookkeeping, for example, is a gift for both of you because they get to do what they love to do and create order. And you get to benefit from that without trying to bend your brain into a bunch of shapes that are just really not how your brain works. 

(00:01:28) How Executive Functioning Challenges Affect Your Finances 

(00:10:01) Enhancing Focus and Productivity with Scheduled Financial Sessions 

(00:12:24) Streamlining Financial Processes Through Automation 

(00:17:56) Financial Empowerment for Therapists 

When you get the right combination of body doubling, creating a set time to do the work, automation, and delegation working in your private practice, helping you with your finances, this thing that can feel overwhelming and kind of the opposite of what your brain wants to do can become much more neutral or even positive.  

The more you can take away the tasks that make it feel like your brain doesn’t work well because you’re asking it to do something it’s not naturally good at, the more you can build systems and supports and bring in help to take care of those things, the more you can show up and shine and in your business and in your life in the ways that your gifts allow you to. 

Are you a Solo Private Practice Owner? 

I made this course just for you: Money Skills for Therapists. My signature course has been carefully designed to take therapists from money confusion, shame, and uncertainty – to calm and confidence. In this course I give you everything you need to create financial peace of mind as a therapist in solo private practice. 

Want to learn more? Click here to register for my free masterclass, “The 4 Step Framework to Get Your Business Finances Totally in Order.” 

This masterclass is your way to get a feel for my approach, learn exactly what I teach inside Money Skills for Therapists, and get your invite to join us in the course. 

Are you a Group Practice Owner? 

Join the waitlist for Money Skills for Group Practice Owners. This course takes you from feeling like an overworked, stressed and underpaid group practice owner, to being the confident and empowered financial leader of your group practice. 

Get to Know Linzy Bonham:  

Linzy Bonham is a private practice therapist turned money coach who helps private practice owners and health professionals feel calm and in control of their finances through her coaching at Money Nuts & Bolts and her podcast Money Skills for Therapists. 

It all started when she saw her extremely skilled colleagues struggle with the money side of business. Some had even left private practice, or were avoiding starting one, because the financial side was too stressful. 

So Linzy decided to help therapists and health professionals develop peace of mind about their money. Since so many were never taught these skills, she focuses on the “how” of making the business side of private practice doable, and even super satisfying. 

Follow Linzy Bonham:  

About Page:  https://moneynutsandbolts.com/about/ 

LinkedIn: https://www.linkedin.com/in/linzybonham/ 

Instagram: https://www.instagram.com/moneynutsandbolts/ 

Mentioned in this episode:

Want to Stay In Touch?

As an email subscriber, you'll be the first to know when a new episode goes live, receive invitations to my online events throughout the year, and get notified when the doors open for Money Skills for Therapists, the course. I've been hosting interactive online workshops FULL of free value this summer and fall, offered only to those on the list, so join the email list today & you can attend the next free workshop! Sign up for any free resource or just scroll to the bottom and complete the form.

Join the email list

Have you ever felt guilty for taking a break from work? Do you find it challenging to balance your creative pursuits with your professional responsibilities? If so, you're not alone. Many therapists struggle with feelings of guilt or abandon if they take time away from their practice and worry that clients will need them while they’re gone or not come back to therapy once the vacation has ended.  

Edgar Fabián Frías, LMFT, and graduate of the Money Skills for Therapists course, brings their current challenge of allowing themselves permission to rest, trust the systems, and redefine what sustainability looks like in their work and life to the show. Edgar has built financial buffers and created sustainability in their practice, but not yet allowed themselves a real break.  

During our conversation, Edgar shares that they’ve noticed when clients take time off, they do sometimes come back with new insights or they’ve made progress on goals. This realization helped Edgar feel “lighter” about taking time off since it would likely benefit clients too. 

If you are someone who finds it hard to take time off, and you know you need a break but you keep pushing that vacation into the future, here are a few questions Edgar and I work through:  

• What if I lose connections with my clients during my time off? 
• Will I have to start over again after taking a vacation? 
• Will my clients seek support elsewhere if I'm not available for a month? 
• What if my absence affects the progress and goals of my clients? 
• What if taking time off leads to missed opportunities or setbacks in my practice? 
• How can I take time for myself but also serve my clients well? 

(00:00:10) Balancing Creativity with Professional Responsibilities 

(00:09:33) Therapists' Emphasis on Personal Growth Practices 

(00:14:06) Creative Breaks: Nurturing Therapist's Business Growth 

(00:16:28) The Transformative Power of Rest and Exploration 

(00:17:27) Creative Time Management for Productivity and Balance 

(00:22:35) Maintaining Financial Security During Extended Absences 

Overcoming the fear of taking time off is a journey that requires self-awareness, resilience, and a willingness to prioritize your well-being. As a therapist, it's essential to find a balance between work responsibilities and creative pursuits, while also ensuring financial stability and taking breaks to recharge.

One practical tip is to create a schedule that allows for dedicated time for both work and creative activities. Set boundaries and stick to them, ensuring that you have time for self-care and relaxation. Remember, you deserve time off to rest, relax, and rejuvenate. Taking breaks can actually boost your creativity and productivity in the long run.  

(00:23:34) "And I honestly as like, you know someone who was so tainted by money and felt so out of control with it. It's been so amazing to be on the other side of it and be like, oh, my gosh, I'm comfortable with money. And I also feel like I have this ability to dream." - Edgar Fabián Frías 

(00:28:13) "When we never take time away, when we don't show them that we're living expansive lives, they know that on some level, you know, that we are someone who works all the time and isn't actually out exploring and enjoying the world, as we are often supporting our clients to be able to do so." - Linzy Bonham 

Are you a Solo Private Practice Owner? 

I made this course just for you: Money Skills for Therapists. My signature course has been carefully designed to take therapists from money confusion, shame, and uncertainty – to calm and confidence. In this course I give you everything you need to create financial peace of mind as a therapist in solo private practice. 

Want to learn more? Click here to register for my free masterclass, “The 4 Step Framework to Get Your Business Finances Totally in Order.” 

This masterclass is your way to get a feel for my approach, learn exactly what I teach inside Money Skills for Therapists, and get your invite to join us in the course. 

Are you a Group Practice Owner? 

Join the waitlist for Money Skills for Group Practice Owners. This course takes you from feeling like an overworked, stressed and underpaid group practice owner, to being the confident and empowered financial leader of your group practice.  

Get to Know Edgar Fabián Frías: 

Edgar Fabián Frías, LMFT, is a queer, nonbinary, Indigenous (Wixárika), and Latinx therapist offering virtual care throughout California. They specialize in somatic, mindfulness-based, and trauma-informed therapy for artists, LGBTQ+ and neurodivergent individuals, and those exploring identity, spirituality, creative resilience, and non-traditional relationships—including polyamory, kink, and ethical non-monogamy. 

Follow Edgar Frías: 

Instagram: https://www.instagram.com/therapywithedgar/ 

Website: https://www.edgarfabianfrias.com/ 

YouTube: https://www.youtube.com/@edgarfabianfriasmft 

Mentioned in this episode:

Want to Stay In Touch?

As an email subscriber, you'll be the first to know when a new episode goes live, receive invitations to my online events throughout the year, and get notified when the doors open for Money Skills for Therapists, the course. I've been hosting interactive online workshops FULL of free value this summer and fall, offered only to those on the list, so join the email list today & you can attend the next free workshop! Sign up for any free resource or just scroll to the bottom and complete the form.

Join the email list

Many of my students who identify as female also find themselves in a breadwinner role, which I'm going to say is probably not statistically the norm in general society, that the female partner of a hetero couple is the breadwinner. While this shift in dynamics is not only familiar to me, and a positive step towards gender equality, it can bring its own set of challenges and complexities. 

Relationships are challenging anyway, but when you add the layer of one person earning the Lionshare of the household income, honest and open communication about responsibilities, expectations, and goals between both partners becomes even more important.  

Another breadwinning therapist, Maegan Megginson, joins me today to help discuss being the female breadwinner and provide an additional behind-the-scenes perspective on how a couple might navigate a relationship where partners contribute differently.  

(00:03:15) Navigating Unequal Financial Responsibilities in Relationships 

(00:17:08) Imbalanced Financial Contributions in Romantic Partnerships 

(00:19:49) Recognizing the Richness of Non-Monetary Contributions 

(00:30:26) Imbalance in Relationship Responsibilities: Causes and Solutions 

(00:41:01) Equitable Dynamics in Breadwinning Relationships 

(00:41:01) Navigating Relationship Dynamics as Breadwinner 

(00:41:39) Financial Equity and Communication in Relationships 

(00:41:39) Navigating Financial Management as the Primary Earner 

Acknowledging both financial and non-financial contributions helps to create a sense of equity and balance in the relationship. It reinforces the idea that each partner's role is valued and important, regardless of who earns more money. 

When we're thinking in terms of our families, the question is, how do we create space in our families and our primary relationships to be so radically honest about who we are at our core? Because the more honest I can be with myself and with my partner and the more honest he can be with me about who he is, the easier it becomes for us to navigate our relationship. 

Even if one partner is the main breadwinner, it's crucial to share responsibilities in other aspects of the relationship, such as household chores, childcare, and decision-making. This helps to create a sense of equality and balance in the partnership. 

(00:31:02) "I think when two people have explicitly negotiated, here's who's going to make the money, and here's what the other person's going to be doing. That's healthy, right? That's strong. That's solid." - Maegan Megginson 

• Begin having conversations with your partner about financial AND non-financial contributions to the relationship, aiming for both partners to feel valued, heard, and respected for their contributions. 
• If you find yourself shouldering the emotional and/or financial burden, acknowledge this imbalance and address it with your partner. Avoid staying in a situation that is draining you.  
• If you’ve unexpectedly become the breadwinner, view it as an opportunity to learn new financial skills. Take the initiative to educate yourself on managing money effectively for your household. 
• Remember that financial contributions are just one aspect of the relationship. Acknowledge and appreciate all forms of contributions, including non-monetary ones that support the healthy function of your household. 

Are you a Solo Private Practice Owner? 

I made this course just for you: Money Skills for Therapists. My signature course has been carefully designed to take therapists from money confusion, shame, and uncertainty – to calm and confidence. In this course I give you everything you need to create financial peace of mind as a therapist in solo private practice. 

Want to learn more? Click here to register for my free masterclass, “The 4 Step Framework to Get Your Business Finances Totally in Order.” 

This masterclass is your way to get a feel for my approach, learn exactly what I teach inside Money Skills for Therapists, and get your invite to join us in the course. 

Are you a Group Practice Owner? 

Join the waitlist for Money Skills for Group Practice Owners. This course takes you from feeling like an overworked, stressed and underpaid group practice owner, to being the confident and empowered financial leader of your group practice. 

Want to learn more? Click here to learn more and join the waitlist for Money Skills for Group Practice Owners. The next cohort starts in January 2026. 

Get to Know Maegan Megginson: 

Maegan Megginson is an accomplished entrepreneur and the host of the "Deeply Rested Podcast," where she explores the intersection of personal values and professional life. With firsthand experience as a female breadwinner in a hetero relationship, she offers unique insights into the challenges and dynamics faced by women in non-traditional gender roles. Her work is characterized by a deep compassion for the pressures and responsibilities that accompany the role of a family breadwinner. Through her platform at deeplyrested.com, Maegan provides resources and support for those navigating similar paths, advocating for alignment between personal desires and professional commitments. 

Follow Maegan Megginson:  

Website: https://maeganmegginson.com/ 

Podcast: https://maeganmegginson.com/deeply-rested-podcast/ 

LinkedIn: https://www.linkedin.com/in/maegan-megginson/ 

Have you ever noticed how some people just seem to have an aura of positivity surrounding them? They exude high-vibe energy that draws others in and seems to attract positive outcomes effortlessly. But what exactly is high-vibe energy, and how can you harness it to improve your own life and well-being? 

While I typically stick to more tactile, practical, or even straightforward financial topics to help you grow your practice, there is something to be said about the internal energy you feel as you approach your day and every task within it.  

Welcome to this week’s episode swap with Nicole McCance! She’s the perfect mentor to help you adopt some high-vibe energy in your practice.  

(00:09:26) Achieving Goals Through High Vibe Mental Practices 

(00:11:42) Using a Daily Gratitude Practice to Elevate Vibrations 

(00:13:02) Energizing Mindset Shifts for Business Owners 

(00:19:58) Generating Income with Positive Energy 

(00:21:17) Creating Your Own Luck by Taking Proactive Action 

(00:25:09) Attracting what You Want with Positive Energy Alignment 

Feeling meh about writing that email? It will garner a meh response. Genuinely excited about a new offer or event? The folks you talk to about it will be excited too! Your energy is contagious in this way and affects everything you do and everyone you contact.  

Nicole McCance, host of The Business Savvy Therapist podcast, is a firm believer in the transformative power of high vibrational energy, and in this special swap episode, teaches you how to use energy, attitude, and mindset to achieve success. 

In comparing gratitude to tuning into a radio station, Nicole illustrates how those listening are impacted by the positivity, and discusses how maintaining a high vibe can manifest goals and experiences through positivity and optimism. She highlights that true wealth includes more than just material possessions, encompassing love, health, and vitality, and stresses the link between luck and opportunity, advocating for proactive action to enhance luck.  

Listen in to learn:  

• How to shift your mindset into positivity 
• What to say or ask yourself to spark energy 
• How to take action toward creating your own luck 

(00:11:23) "Once you get the magic, there's going to be someone on indeed that reads your job posting or, or lands on your website or sees your Google Ad and there's going to be just something about that ad that feels different and they pick you." - Nicole McCance 

If money is energy, what positive thoughts, feelings, or actions can you contribute to your week, day, or month, with the understanding that reciprocity is in the works and likely in n your favor?  

Are you a Solo Private Practice Owner? 

I made this course just for you: Money Skills for Therapists. My signature course has been carefully designed to take therapists from money confusion, shame, and uncertainty – to calm and confidence. In this course I give you everything you need to create financial peace of mind as a therapist in solo private practice. 

Want to learn more? Click here to register for my free masterclass, “The 4 Step Framework to Get Your Business Finances Totally in Order.” 

This masterclass is your way to get a feel for my approach, learn exactly what I teach inside Money Skills for Therapists, and get your invite to join us in the course. 

Are you a Group Practice Owner? 

Join the waitlist for Money Skills for Group Practice Owners. This course takes you from feeling like an overworked, stressed and underpaid group practice owner, to being the confident and empowered financial leader of your group practice. 

Want to learn more? Click here to learn more and join the waitlist for Money Skills for Group Practice Owners. The next cohort starts in January 2026. 

Connect with Nicole McCance: 

Podcast: https://mccancemethod.com/podcast/ 

Instagram: https://www.instagram.com/nicole.mccancemethod/ 

Facebook Group: https://www.facebook.com/groups/947689352498639 

How can you feel better prepared for the financial curveballs life can throw your way?

In this episode, I’m joined once again by certified financial planner Dave Frank to talk about one of the most fundamental, and often overlooked, aspects of financial wellness: buffers. We dive into the emotional and practical sides of creating buffers in your business and personal life, and why this matters more than ever in a world that’s increasingly uncertain. From navigating economic instability to finding the right balance between saving and living, this conversation is full of practical tips to help you feel more prepared.

Dave and I also unpack the emotional challenges many therapists face when trying to use the resources they’ve set aside, and we share how rethinking your language can shift your relationship with saving. Whether you're just starting to think about buffers or you're reassessing your current systems, this episode offers tools and insights to help you build a more resilient financial foundation.

For a full transcript of the episode and much more, check out the blog post on our website! 

To watch a video version of this, check it out on YouTube: https://youtu.be/qlDYxUcZ5u0 

For more from David and Linzy, check out:

140: Balancing Debt Repayment and Real Life with David Frank

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

83: Embracing Emotions for Financial Wellness with David Frank

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-p/ 

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:

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.

Register for Linzy's Free Masterclass

What does freedom really look like when you’re self-employed?

In this episode, I’m joined by our incredible course coach Diane Webber, who is a financial therapist, private practice owner, and part of the Money Skills team. 

Together, we explore the highs and lows of self-employment and reflect on what it takes to build a business that actually supports your life. From midweek trips to Sam’s Club to caregiving for both parents and children, Diane shares what freedom means to her, and how creating spaciousness in your business can make room for what matters most. We also dig into the emotional complexity of building something sustainable: unlearning hustle culture, trusting that rest is productive, and embracing the discomfort of doing things differently. 

Our conversation is a powerful reminder that private practice doesn’t have to follow a traditional mold. And the more you lean into what works for you, the more aligned and resilient your business can become.

For a full transcript of the episode and much more, check out the blog post on our website! https://moneynutsandbolts.com/rethinking-productivity-and-success-in-private-practice-with-diane-webber/

To watch a video version of this, check it out on YouTube: https://youtu.be/Xn8-oF8Cv9Q

Connect with Diane Webber

To listen to our previous conversation, check out episode 97, ​​Compassionate Approaches to Finances with Diane Webber. 

You can learn more about Diane’s work on her website. You can also find her in the Money Skills courses. She will be delighted to coach you there.

Mentioned in this episode:

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.

Register for Linzy's Free Masterclass