In this heartfelt and eye-opening conversation, Kyira sits down with Michelle Waymire, a queer, anti-capitalist financial advisor and founder of Young + Scrappy, to explore the deep intersection of shame and money.

Together, they unpack the beliefs and stories we carry about money—stories often formed in childhood—that shape our self-worth, safety, and sense of control. Michelle shares her own early experiences with privilege and how they informed her journey toward more compassionate, values-based financial work.

From the myth of being “bad with money” to the toxic narratives of hustle culture and financial perfectionism, Kyira and Michelle reframe what it means to be in relationship with money. They invite listeners to approach finances not as a measure of worth but as an evolving, deeply personal practice of self-trust, curiosity, and care.

The episode dives into practical and emotional layers alike: how to detach shame from financial mistakes, how to talk about money with children without passing on our anxieties, and how to begin shifting from scarcity and control to neutrality and self-compassion.

Whether you’re working to pay down debt, trying to feel safer in your financial decisions, or just tired of feeling like you’re doing it “wrong,” this conversation will help you see money in a radically new light.

✨ Key Takeaways:

• Money stories start early. Our beliefs about worth, safety, and belonging often take root in childhood, long before we ever earn a paycheck.
• Shame thrives in silence. Talking openly about money—and the emotions tied to it—is the first step toward dismantling self-judgment.
• Neutrality creates freedom. Numbers themselves aren’t good or bad; it’s the stories and emotions we attach to them that fuel shame.
• Our relationship with money is iterative. Like any other form of growth, it evolves with time, experience, and compassion for our past selves.
• Values matter more than perfection. Spending and saving aligned with what truly matters to you leads to financial peace, not rigid control.
• Parenting and money mirror each other. How we model curiosity, autonomy, and boundaries around money teaches our children self-trust—not fear.
• There’s no such thing as being “bad with money.” Every financial journey holds both mistakes and wins; noticing the wins helps rewrite your story.
• Shame disconnects; curiosity reconnects. Moving from “I’m bad with money” to “I’m learning about money” opens the door to growth.
• Financial wellness is emotional wellness. Healing money shame means healing the parts of us that believe we’re not enough.
• Progress over perfection. The goal isn’t to fix your finances overnight—it’s to build a kinder, more resilient relationship with them over time.

More about Michelle:

Michelle is a queer, anti-capitalist financial advisor and coach and the founder of two financial services companies: Young & Scrappy and Glimmer Financial. They are passionate about supporting marginalized groups in building a better relationship with their money, so that they can live joyful and abundant lives.

Connect with Michelle:

• Young & Scrappy
• Glimmer Financial

Ready to take the next step?

• Download the FREE handout, "5 Things Shame Resilient People Do Every Day" and start making those daily shifts to break that shame cycle that's keeping you stuck in that negative headspace.
• Book a free 25-minute discovery call to discuss different program options and find the support best fits your needs.

Stay Connected:

• Subscribe to the podcast on Spotify or Apple Podcasts and be sure to leave a review to let us know your thoughts on this episode.
• YouTube
• Website