What happens when your relationship with money is ruled by shame?
In this powerful client interview, Emily shares her deeply personal journey of moving from money avoidance, panic attacks, and “FU spending” to clarity, empowerment, and peace with her finances. Before coaching, Emily’s money habits were fueled by old stories, guilt, and a constant feeling of not doing enough, even while homeschooling four kids and managing a household.
Together, we worked through her “platter of shame,” rewired her money story, and created a system that aligned with her values instead of morality or judgment. Today, Emily not only feels in control of her spending but has also transformed how she communicates about money with her husband and children.
Her story is proof that real financial freedom doesn’t start when you hit a certain number, it starts when you release shame and embrace compassion for yourself.
Listen to learn:
[02:10] How money shame can manifest as panic attacks and avoidance
[05:40] What “FU spending” looks like and why it’s more emotional than financial[12:15] Why being underfunded isn’t the same as overspending
[20:25] How Emily shifted from level-10 money panic to calm, empowered decisions[27:45] Breaking the belief that she “owed” her kids certain purchases[35:10] How adding income became an empowering choice instead of a shame spiral
[42:00] Why small wins, like paying bills on time are just as important as big milestones
Tune into this episode of Money Files to hear Emily’s inspiring journey from money shame to financial freedom and learn how you can start rewriting your own money story.
Get full show notes and the episode transcript: https://wealthovernow.com/from-panic-to-peace-even-looking-at-bills-made-me-panic-emilys-story/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now