The B2B Podcast Index
Index
All categories
MarketingSalesSaaSFinanceHROpsLeadershipCustomer SuccessAI & DataProductStartups & FoundersRevOpsEngineering & DevTools
MethodologySubmit
Best of:MarketingSalesSaaSFinanceHROpsLeadershipCustomer SuccessAI & DataProductStartups & FoundersRevOpsEngineering & DevTools
An independent project byFame
SearchBest episodesGuestsInsightsMethodologySubmit a podcast
Index/Leadership/Guts, Grit & Great Business®
Guts, Grit & Great Business® artwork

Money Healing: Rewiring Your Nervous System for Financial Freedom

Guts, Grit & Great Business® · 2025-04-15 · 44 min

0:00--:--

Key moments - from our scoring

Substance score

37 / 100

Five dimensions, 20 points each

Insight Density7 / 20
Originality8 / 20
Guest Caliber10 / 20
Specificity & Evidence7 / 20
Conversational Craft5 / 20

Kate Northrup, bestselling author and neuroscience-based money coach, unpacks the disconnect between external financial success and internal nervous system safety. She reveals how her own crisis - husband's severe illness, relocation, financial pressure, and her identity as a stress-driven achiever - forced her to test a radical hypothesis: that stress and pressure are not required for financial success. Through a 90-day "coast mode" experiment where she banned new launches and campaign-driven urgency, she discovered her nervous system carried a financial thermostat set during childhood, shaped by emotional temperature around money rather than actual scarcity. The episode digs into how ancestral trauma lives in our bodies, how visualization exposes unconscious beliefs (she felt "dead inside" imagining financial rescue), and why nervous system capacity directly impacts decision-making, creativity, and magnetic presence. Her dual approach - healing internal nervous system safety first, then building external money systems - challenges the shame-based, masculine personal finance advice that dominates the space. Essential listening for entrepreneurs who've treated productivity and pressure as fuel sources or who've hit income ceilings despite external success.

Key takeaways

  • →Your financial thermostat is set by the emotional temperature around money in your childhood, not the actual amount available, and can be actively rewired through nervous system healing.
  • →Stress and pressure are not required to achieve financial goals; relaxing first while maintaining business fundamentals can actually unlock better decision-making and magnetic presence.
  • →Money problems are never actually about money - they reflect nervous system dysregulation, energetic leaks, and misalignment that more income will only amplify without internal healing.
  • →Visualization reveals unconscious beliefs about money that your rational mind hides; your body registers the truth whether imagining or experiencing something actually.
  • →Building a supple, regulated nervous system that toggles between parasympathetic and sympathetic states is foundational to sustainable wealth-building and better problem-solving.

Guests

Kate Northrup

Topics in this episode

Nervous system regulationFinancial thermostatAncestral traumaMoney visualization techniques90-day coast mode experimentParasympathetic and sympathetic nervous system statesApplied neurology for money healingStress-driven productivity patternsInternal versus external money systemsPrefrontal cortex decision-making

Questions this episode answers

How is money connected to your nervous system?

Your nervous system carries a financial thermostat set by the emotional temperature around money during childhood - not the actual amount you had. When that thermostat is set to stress and pressure, your body unconsciously seeks that state, even when relaxing would serve you better, making nervous system healing foundational to changing your money patterns.

Can you reach financial goals without using stress and pressure as fuel?

Yes. Kate demonstrated this through a 90-day experiment where she banned new launches and pressure-driven campaigns, only delivering on existing promises. Despite rough circumstances (husband's illness, relocation, financial pressure), she hit all financial goals while her nervous system remained regulated, proving stress is a choice, not a requirement.

What does visualization reveal about your unconscious beliefs about money?

Your body tells the truth during visualization because it has no sense of time or difference between imagining and experiencing. Kate visualized her husband earning $10 million and freeing her from work but felt dead inside, revealing her unconscious addiction to stress and productivity as identity fuel.

Why is building internal money systems more important than external ones?

External systems like budgets and tracking are impossible to maintain until you've built nervous system safety with money. Without internal capacity, more income amplifies existing misalignments and energetic leaks - like pouring water into a bucket with holes.

How does prolonged stress affect financial decision-making?

Stress shuts down the prefrontal cortex, the brain region that makes good decisions, weighs multiple perspectives, and learns new information. Under prolonged stress, your body defaults to existing patterns because rewiring the nervous system is calorie-expensive and your system conserves energy for survival.

What our scoring noted

Our reviewer’s read on each dimension, with quotes from the episode.

Insight Density

7 / 20

A handful of genuinely interesting ideas surface - the nervous system as a financial thermostat set to emotional temperature rather than dollar amounts, and stress-as-fuel being a literal addiction - but the per-minute insight rate is dragged down by extensive personal anecdotes, host tangents, and low-density lifestyle chat. Most actionable claims are introduced and then not developed operationally.

our nervous system has a set point, a thermostat, a financial thermostat. And that Financial thermostat is set according to the feeling around money when you were growing up. Not the amount of money, but the emotional temperature around money
making good money doesn't make you good with money

Originality

8 / 20

The counterintuitive visualization anecdote - feeling 'dead inside' at the prospect of $10M and no work - is a genuinely fresh and memorable illustration of stress-as-identity. The framing of productivity as a trauma response and stress-addiction as a business fuel source is reasonably novel. However, the underlying framework (ancestral money trauma, nervous system regulation, money mindset) circulates widely in the wellness-adjacent personal development space and doesn't offer a first-principles challenge to received wisdom.

what I actually felt was like dead inside, totally flatlined
I was addicted to stress and pressure, particularly of the time and financial variety. And I was using stress and pressure around money and time, like productivity, getting things done to make money as my primary fuel source

Guest Caliber

10 / 20

Kate Northrup is a legitimate practitioner with published books, a running program, and real client experience - not merely a conference speaker. However, her domain is primarily B2C women's personal finance and wellness; her operational credibility for a B2B operator audience is modest, and no detail about revenue scale, team size, or enterprise-level application appears in this episode.

I used it to get out of, um, out of my credit card debt in six months. So I paid off all of my debt, I doubled my income, I doubled my savings
our signature program, it's 80% of what I do, is called relaxed money. And it's a neuroscience based method to help people heal their relationship with money internally and externally

Specificity & Evidence

7 / 20

There are some concrete anchors - the 90-day coast experiment with explicit rules and a savings backstop, the $270k income threshold, personal debt repayment metrics - but the only named external study is attributed to 'Elves,' which is an almost certainly misheard or unverifiable source, and the bulk of evidence is self-reported personal narrative without independent corroboration or business-scale data.

A study from Elves showed that Amongst women making $270,000 or more a year, which is a good, really good income, over 75% of them still do not feel financially confident
I said, okay, I'm not allowed to launch anything new or like run a campaign from this place of stress and pressure...I'll either be willing to use X amount of savings or 90 days, whichever one comes first

Conversational Craft

5 / 20

The host repeatedly makes the conversation about herself - her legal practice, her parenting, her sisters, her blood sugar metaphor - consuming significant airtime that could develop the guest's ideas. Questions are uniformly soft and there is zero pushback on any claim; the 'Say that again' moment is sycophantic rather than probing, and the interview ends without a single challenging follow-up.

Say that again. Say that again.
I went Virgil in 2012 in my legal practice, which other attorneys are like, what is she doing?

Conversation analysis

Computed from the transcript - who did the talking, and the words that came up most.

Share of words spoken

  • Speaker B60%
  • Speaker C37%
  • Speaker A3%

Most-used words

money57system31life28nervous28financial23stress23kate15feel15felt14learn14love13podcast12today11making10experience9help9

Episode notes

With Kate Northrup, a money expert who uses a neuroscience-based method to help people heal their relationships with money. It is Kate’s mission to continuously explore and share how we can be more relaxed while making the impact we were meant to; and teaching data and soul-driven time and energy management practices that result in saving time, making more money, and experiencing less stress. She’s the author of the bestsellers Money: A Love Story and Do Less, and the host of the top-ranking podcast, Plenty. Her work has been featured by The NY Times, Oprah Daily, The Today Show, Glamour, Harvard Business Review, and more. She lives with her husband/business partner and daughters in Miami.

Full transcript

44 min

Transcribed and scored by The B2B Podcast Index.

Speaker A: Here's what you get on today's episode of Guts, Grit and Great Business.

Speaker B: When you do a visualization, your body will tell you the truth because it doesn't know the difference of whether it's happening actually or whether you're just imagining it. So he had me go inside and he said, okay, Kate, now I want you to imagine that Mike has just come home and he says, okay, I just made $10 million, so now you don't have to work anymore and we don't really need to do this work thing for a while. How do you feel? And one would expect that I would have felt so relieved, excited, like a big relaxation. Exhale. And I was so shocked by what I actually felt, because what I actually felt was like, dead inside, totally flatlined.

Speaker A: The adventure of entrepreneurship and building a life and business you love, preferably at the same time, is not for the faint of heart. That's why Heather Pierce Campbell is bringing you a dose of guts, grit and great business stories that inspire and motivate you to create what you want in your business and life. Welcome to the Guts, Grit and Great Business podcast where endurance is required. Now here's your host, the legal website Warrior, Heather Pierce Campbell.

Speaker C: Alrighty. Welcome, um, welcome to another episode of Guts, Go Grit and Great Business. I am Heather Pierce Campbell, your host, the legal website Warrior. I'm an attorney and legal coach based here in Seattle, Washington, serving online information entrepreneurs throughout the US and the world. I'm super excited to welcome today our guest, Kate Northrup. Welcome, Kate.

Speaker B: Thanks. Happy to be here.

Speaker C: Excellent. Well, I've been looking forward to this. I know we just got it on the schedule. I've seen your work for a while. In the world, we live kind of in different areas, me being in legal, you being in finance, but they're so heavily related. So many of my clients end up along the way needing financial support. And in my experience, the earlier we get that plugged in, the better.

Speaker B: With Legal.

Speaker C: Same with Legal. That's a true story. That when people learn the hard way.

Speaker B: Yeah.

Speaker C: Uh, most often the financial one, they can kind of learn along the way. It's like baby steps. And I see, you know, I see people making strides. In my own life, it has often felt like baby steps, but, um, it's such a big piece of the puzzle and that, you know, that relationship to money, the mindset work that we have to do around self and money. And so for those of you that don't know Kate, let's get Kate introduced. Super excited to bring you, Kate Northrup. Today, Kate uses a, ah, neuroscience based method to help people heal their relationships with money. It is Kate's mission to continuously explore and share how we can be more relaxed while making the impact we were meant to and teaching data and soul driven time and energy management practices that result in saving time, making more money and experiencing less stress. She is the author of the bestsellers Money A Love Story and Do Less and the host of the top ranking podcast Plenty. Her work has been featured by the New York Times, Oprah Daly, the Today Show, Glamour, Harvard Business Review, and more. She lives with her husband and business partner and daughters in Miami. Um, I'd love to know where the earliest thread of this topic started for you in your life. Like how, how did this become m. The thing that you end up doing?

Speaker B: Great question. You know, it's so funny, I'm like always wondering that myself. Um, but I was in Chinese astrology. I was born in the year of the pig. And, um, the year of the pig is really about abundance. And as a, as a kid, I started my first business when I was seven. Um, I was just really like into making money. And I found this little About Me brochure that I had made in the second grade. And it said, what do you want to be when you grow up? And I said I wanted to be an accountant. Um, which I am not an accountant, but I do deal with money for a living and it's just wild. So I was just always into money. However, my parents got divorced when I was 6, 15, 16, and at that time my mom realized she knew nothing about money. So even though she was an incredibly successful doctor, she had actually had written multiple New York Times bestselling books, been on Oprah. Um, she had a very big career and very successful. However, she realized she had just like unconsciously given all the financial power to my dad. And so she went through this real financial awakening at the age of 50. And at the time I was 16 and I just kind of was into it. So we read like, Think, um, and Grow Rich together. We read the Robert Kiyosaki books. We started going to personal finance seminars, you know, when I was in high school, but then also simultaneously reading like Catherine Ponders the, um, the Divine Laws of Prosperity I think is the book and sort of some of the metaphysical stuff as well. So I ended up getting into this world from a practical and spiritual, uh, perspective early. And then in my early 20s, I got into a bunch of credit card debt because I was completely spiritually bypassing financial consciousness. And I was like, well, you're just supposed to act as if. But instead I was spending as if. So I was a total financial avoider. I was, I got myself in a financial mess and for years I just never looked at it. I, um, um, and then the, the tension and discomfort of what my life looked like on the outside and what was actually going on behind the scenes became so uncomfortable. Like the mismatch and the misalignment became really painful. Like I was an elastic band that had stretched to the point that it was, it was now going to break. And so I knew I needed to get it together financially. But all of the personal finance advice I had seen out there just felt very shame based. It felt very masculine and quite frankly, it felt incredibly boring. Um, and so ding, ding, ding. Created my own curriculum for myself and then I used it to get out of, um, out of my credit card debt in six months. So I paid off all of my debt, I doubled my income, I doubled my savings, and I never looked back. And that was the foundation of what became my first book, Money A Love Story.

Speaker C: The thing that you just shared that I think is really profound is one being able to witness that learning journey with your mom. I think a lot of kids miss out on that. They see either the rules that are already embedded in their parents lives around money, or they have those rules passed down to them. And really, you know, and maybe not so much now, but certainly when I was a kid, very traditional ways, right? And you're right, it feels restrictive, it feels shame based. I think that that shame story continues for so many people. And I think it's, it's part of what makes it hard to get to, to be transparent around finances and money in order to get the right help, right? I deal with it even when clients come to me and say, hey, do you know a CPA or a tax person that could help me? And I'm like, well, do you want the kind that will help you, help you really dig in and look at those numbers, or are you just wanting the kind that are like, look backwards, see what you did and just pay your taxes. Those are very different kinds. And unfortunately, most people end up with the latter version of that scenario.

Speaker B: We do because we lack, we lack in our culture, key moments of financial education. You know, kids go to driver's, uh, ed to learn to drive a car. We learn key life skills. But there will not be one day of your life where money is not part of your existence. And yet everyone is just supposed to figure it out and then be good at it. Except we're also not supposed to talk about it. So how are we ever going to figure this out? It's just like sex, right? It's like suddenly you're an adult now. You're supposed to be good at this. But also, don't ever talk about it. No one's ever going to teach you. Oh, my gosh.

Speaker C: It's like you want to laugh, but you want to cry at the same time hearing that. Right. And I think it really is that way and that clear. And it's what happens. And it's probably why a lot of women are not dealing with this until they're transforming other areas of their lives. And when is that? 40s, 50s?

Speaker B: Yeah. And for many people, it's when they go through a divorce, unfortunately. Um, and money issues are the number one leading cause of divorce.

Speaker C: Yeah, yeah. Those, those pinch points, those points in life that force us to look at something. And you mentioned. I, uh, can't remember exactly how you said it, but basically the pressure of your outside life looking a certain way and your money life looking very different. Right. That imbalance became so that you had to deal with it. I think you've described the forcing mechanism that so many people get to in some way. Right. Could be in a, uh, in a different way, like divorce or, you know, health issues or something else that actually forces them to look at something differently and make a change. What do you find, um, in the, in your work that you do with clients that to be the most surprising thing that people learn when they're either in the middle of that forcing mechanism and beginning to make change, or they're kind of on the other side and they're actually in a healthy spot to make a change. Is there something that they're just like, oh, my gosh, I never knew. Do you have those ahas, really?

Speaker B: In my work, it's like, ultimately, it's just never about the money, you know, and, and, and the biggest myth is that making more money is going to sort of fix all your problems. But, um. And sure, that's true. If you're housing insecure or food insecure, it's going to make a huge difference. Um, once you have basically enough, though, more money actually just amplifies the misalignments and the energetic leaks. And, um, we think like, oh, it's okay, I'll just make more money. But if you have a bucket with holes in it and you just keep pouring more water in, you just get a leak that's leaking out faster. And that's the same thing. With folks who don't have solid money systems and who also have not built the capacity in their nervous system to feel safe with money. So I work with people on a dual level. One, the internal systems and structures to feel safe with money. And then once we've built a solid foundation there, then we work on the external systems, which are impossible to maintain until you've built the internal safety. And so we do both.

Speaker C: Yeah, that. I mean, you just. You said a couple things. One, working on the nervous system. Talk to us about the relationship. Like, where did you discover money is connected to nervous system?

Speaker B: Um, it was not fun. Um, so 2021, um, so I was. I'd been learning about the nervous system. Ah, more in relationship to my own use, uh, of productivity as a trauma response. So that started in 2019. But 2021, my husband, um, became really ill for the second time with something called topical steroid withdrawal or red man syndrome. And it was absolutely awful. He lost £40 in one month. His skin was raw and, like, it was. I won't even get into it because

Speaker C: I remember seeing some of your social posts in that time and being like, what is this? I've never heard of this before.

Speaker B: Yes. And it was awful. And, um, any kind of illness is awful. This particular one, there was no clear diagnosis and no clear plan of treatment. So it was also like, it's really bad. We have no plan. And we had just moved to Miami to help his healing rather than going back to Maine because of the cold and the dry weather. So we're in Miami. We're suddenly paying for two lives because we move sort of under duress. So we're paying for this new life in Miami, paying for life in Maine. My husband and business partner now cannot work. I've got the two little kids. It's also the pandemic. My mom was getting publicly canceled on the Internet. It was such a shit show. And we were with our therapist who we meet on Zoom. Very modern. He lives in Bali. And

Speaker C: that is the one thing I will just say, if we need to still find silver linings related to Covid, the number of people that were able to go outside of network to find therapists and experts, I'm like, hallelujah.

Speaker B: The best. I mean, in. In all fairness, we've been seeing him since 2016.

Speaker C: Right. You're ahead of the curve. I'm talking about.

Speaker B: We were so ahead of the curve. Everyone's suddenly like, oh, my God, I'm living on Zoom. I'm like, welcome. Welcome to my life.

Speaker C: Right. I Know, I went Virgil in 2012 in my legal practice, which other attorneys

Speaker B: are like, what is she doing?

Speaker C: Yes. Like you never see your client. Yeah.

Speaker B: No, you. Yeah, I mean, I love in person, but yeah. Anyway, were having the session and I was really in this loop. I was in a loop of resentment. I was in a loop of profound stress and overwhelm. And my particular thought loop was if Mike could just get healthy and make a bunch of money, everything would be fine. And so David had me go inside. And the fascinating thing about our bodies is, and our unconscious, they have no sense of time. And our bodies really speak for our unconscious in many ways. And there's no sense of time. So that's a beautiful thing. Um, um. And when you do a visualization, your body will tell you the truth because it doesn't know the difference of whether it's happening actually or whether you're just imagining it. So he had me go inside and he said, okay, Kate, now I want you to imagine that Mike has just come home and he says, okay, I just made $10 million, so now you don't have to work anymore and we don't really need to do this work thing for a while. How do you feel? And one would expect that I would have felt so relieved, excited, like a big relaxation exhale. And I was so shocked by what I actually felt because what I actually felt was like dead inside, totally flatlined. So. Yeah. And what I realized this meant is that I was addicted to stress and pressure, particularly of the time and financial variety. And I was using stress and pressure around money and time, like productivity, getting things done to make money as my primary fuel source for my life and my work.

Speaker C: Well, and that's such a tricky. Like when I heard you say that and thought about it, even in my own life, it's like, well, I think for women in particular, there's this overarching need to create your own financial success.

Speaker B: Totally.

Speaker C: In order to feel a lot better.

Speaker B: Just because a man is not a financial plan.

Speaker C: That's right. That's right. Even hearing that, I'm like, oh, well, I still wouldn't probably be able to just let that go.

Speaker B: No. And I don't think it's like, it's not a one in a ten. Right. So what I did is we did have this business, we did have these customers. I had promised things too. But what I DID is a 90 day experiment where I said, okay, I'm not allowed to launch anything new or like run a campaign from this place of stress and pressure. I am Going into coast mode, we are simply delivering on what we already promised. The end. And anytime I feel that, like, nervous system trauma response of, like, ramp up, like, um, let me write this email campaign. I'm just going to add on this promotion. Uh, every time I do that, I am just going to. I'm not allowed to do it just for 90 days. And I said, I'll either be willing to use X amount of savings or 90 days, whichever one comes first. Like, I had a stopgap. And every time I felt that ramp up energy, I would just scream into a pillow in the closet, lay down and watch some daytime tv, cry on the phone with a girlfriend, or go to the ocean and, like, see what the ocean had to tell me. Those were my choices. And it was very painful. Those 90 days were very painful. But what was so fascinating is, at the end of it, we had hit all of our financial goals. I had not used my old pattern of, like, ramp up. And now I had this lived experience that stress and pressure were not required to have financial success.

Speaker C: Oh, uh, say that again. Say that again.

Speaker B: Stress and pressure are not required to have financial success. And that time, that 90 days helped me to understand that my nervous system was running an unhealthy pattern around money. And I was saying, I need to make this amount or my husband needs to make this amount in order for me to exhale and be allowed to relax. And I just was like, I'm just gonna relax first and see what happens. Even though all the evidence was like, this is not a good time to relax. Your husband's sick, uh, you have two small children, you've just moved to a new city. You're also still paying for your previous life. Like, this is on you, babe. But I was like, what if I just relax now? And it totally changed my life. So that's how I learned personally that our money and our nervous system are connected. Because even though growing up, you know, I went to ballet classes, we had food, like, there was no. I have never experienced actual, like, real. You know, there's not enough. But people in my lineage have.

Speaker C: Yeah.

Speaker B: And that ancestral trauma lives in us. And also the environment that I was raised in around money was stress and pressure. Always, always. It was always that money's already been spent. I have so much to do headed out of that. There's always stress and pressure. So the thing that we have to really understand, and I want everyone listening to hear this, our nervous system has a set point, a thermostat, a financial thermostat. And that Financial thermostat is set according to the feeling around money when you were growing up. Not the amount of money, but the emotional temperature around money. And so for me, it was stress and pressure. And so I've had to actively engage to change the thermostat using applied neurology and nervous system healing tools to do so. And I will just tell you, it

Speaker C: freaking works amazing well. And I can't. I can't wait to get to the part around you, like, meeting all your financial goals in that time period. Even when from an outsider's perspective, that looked really rough. Right?

Speaker B: I mean, it was a rough time.

Speaker C: Yeah. All of those, all of the things that. First of all, you combine a move with any kind of impact to your work, plus illness, plus moving children.

Speaker B: Like, during m. That time. Also, my husband fell off a bike and broke his leg, so then he couldn't walk. And then a year and a half later, he got hit by a car.

Speaker C: So, uh, were you just like, what the f universe were you like, there was too much.

Speaker B: But I will say, like, it gave me so many opportunities to practice. And it was like, how about now?

Speaker C: Yeah.

Speaker B: Are you going to keep practicing what you preach now?

Speaker C: Yeah.

Speaker B: What about this about now? And I did. And I kept, like, really honing that skill set and then I started incorporating it with my clients because I was like, I'm not the only one with a jacked up nervous system around money.

Speaker C: Oh, no. Uh. Oh, no, no, no, no. Yeah. The. I'm curious. In those initial days, what was the hardest part of letting go? Because you just told yourself, like, you can't. You can't do this old pattern.

Speaker B: I mean, it really is deeply painful to rewire ourselves. Or it can be because my identity was so steeped in being capable and being strong and getting things done and being able to pull something out of nothing. Like, I really got off on that. And so not. Not being able, like, forcing myself to do it differently and to literally just sit in the stillness with how painful my life was in that moment, um, was very uncomfortable. And I just cried a lot. And it felt like dying. And it was like an ego death. My identity was my. My ego was like, ah, no, I'm important. I'm busy, I'm capable. And it was like, lie down. And it just. It just. It was, uh. It hurt, but it hurts so good.

Speaker C: Oh, totally. Was there ever a time where you're like, I'm really done with this experiment? Like, where you wanted to go back to the old pattern or.

Speaker B: No, because it felt so at the beginning was when it felt really uncomfortable, but I still had the enthusiasm of a new experiment. And then what's so cool about nervous system rebound patterning is it does have a compound effect. So very similar to the compound interest. When we invest our money, when we invest our energy in healing our nervous system, when we do a. A little bit today, today's ceiling becomes tomorrow's floor. And then a little bit more and then a little bit more. And so the more you do it, the more capacity you have to feel safe in your body no matter what is going on. And when you feel safe in your body, no matter what's, you are fully present and you are smarter and you are more creative and you're a better problem solver and you are more magnetic. I mean, it is unbelievable how much easier it is to do life when your nervous system is regulated or more resilient. I like talking about a supple nervous system because it's really that ability to just like move in and out regulated to me feels a little static. Um, and the truth is a healthy nervous system actually is toggling always between parasympathetic and sympathetic. And it's just like, has a nice sweet juiciness and vitality to it. Um, so yeah, no, I love that.

Speaker C: And I have the same that we talk a lot about dysregulation in this household. Um, mostly in the context of parenting. I have two kiddos. Number one is caused us to reparent ourselves in all the ways that our children do and to learn like about every nook and cranny of yourself that you don't like. Right. So, um, we do. I, I used to joke with friends for years, like we do a lot of unexpected behaviors in this household, Right. That ties directly into this word regulation, like regulated nervous system versus dysregulated. And you're right. Like that slow, that process of being in flow and being able to move between states and recognize when you're like, okay, here we go, we're moving a little bit out of a more balanced state is like, what an analogy for life and for nearly everything that we face and that we learn to either, um, process in a healthy way or overcome. Right. But even the other day I was reading, in light of all the political stuff going on, a book about how, uh, rational people begin to believe irrational things. Right? And it talks about the impact of stress. The very first thing the book addresses is the impact of stress on our decision making abilities.

Speaker B: It goes out the window.

Speaker C: Yes.

Speaker B: And when we've Been an experience of prolonged stress, uh, which we all have in our own ways. What happens is our ability to be present in our prefrontal cortex, which is the part of our brain that makes good decisions and is like, aware of possibilities and aware of multiple, you know, well, honestly, multiple realities or at least multiple perspectives. You know, that ability goes out the window because it's actually very calorically expensive to, um, rewire the brain and to learn anything new. And so it's just like if you wanted to redo the whole electrical system in your home, it's very expensive. Um, and so rewiring the electrical, which is our nervous system in our bodies is expensive. It requires actually quite a bit of energy. So your body will be like, nope, we're not going to think a new thought. We're not going to learn from someone we don't agree with. We are not going to consider new information that's not a match for our existing worldview because we don't have the energy for it. Literally from a calorie perspective. And when we've been so stressed for so long, our stress and threat bucket is over overflowing and there's no space for anything new or for anything challenging. And we just go into full constriction and like, massively limited worldview, which is true about, you know, politically speaking, but it's also true about our money, it's true about marriage, it's true in parenting. And we suddenly, and I'm sure you've had these situations I have, when you get so stressed and so tired and so overwhelmed and you're suddenly like, my life is awful and now I live here, it's going to be like that, uh, forever. And now this is my reality, and that's just not true ever. But when our stress and threat bucket is that high and we haven't been actively metabolizing the stress as part of our daily practice through nervous system healing, which I'm happy to share, all sorts of things that will help you metabolize the stress. But when we're not every single day dumping the stress and threat bucket through metabolism of it, we completely lose our ability to function optimally on every single level.

Speaker C: Oh, it's, you know, even just those moments. I, I have two sisters that I'm very close to and I talk to both of them constantly. One, probably multiple times a day. Um, but those times where you're like, oh, my gosh. And as a mom, I think in particular, you know, when this is happening, like, I'm totally blood sugaring that's what we, like, turned it into a verb. I'm blood sugaring right now, so I probably should go eat something. We. And the reality is what you've just said about this stress mechanism in our body, when you're pumping cortisol, I mean, it's M multiple cortisol and adrenaline into your bloodstream, the first thing it does sucks all the blood sugar out. Right. It has to process something because it thinks you need to sprint 100 miles an hour that direction.

Speaker B: Yeah. But you're just like sitting at your desk or on the couch and it just causes inflammation.

Speaker C: That's right. And suddenly, though, you really do have the limited capacity to process things, to think about things, to arrive at good solutions. And so if you've ever had that experience, like my sister and I did, like, oh, I'm totally blood sugaring. That can be constant in a state of stress. And I think so many people, it's like the pressures build and build and you don't realize this compounding effect of stress until you reach a point where you're like, this is so unworkable. I have to do something differently. And then you end up exploring things like nervous system work. Right?

Speaker B: Totally. And unfortunately for many people, the wake up call is becoming physically.

Speaker C: Unfortunately, yes, that's right.

Speaker B: You know, it's a bad one.

Speaker C: It's a bad wake up call.

Speaker B: It's a bad wake up call. It's common. You know, either it's like there's a huge blow up in your marriage or you get really sick. But the good news is the ways to metabolize this stress are not hard and they're free. So. So that's great. The number one way is movement is any kind. Of any kind. It could be walking, it could be dancing, it could be riding a bike, it could be pickleball, it could be, you know, weight training, it could be yoga. Like anything in which you move your body does a beautiful job at, uh, closing previous emotional stress loops that are like a million open tabs in your internal browser. And so just move your body. Laughter is a great one. Crying, so tears. Very effective. Um, breathing. And I know we're breathing all the time, but like conscious breathing, real breathing,

Speaker C: we're breathing, but kind of like, here's the thing, if you've ever been around a breath expert. I interviewed one on my podcast one day and he's like, said something about my breathing and I was like, oh, I'm expert level at going through life

Speaker B: and shallow breathing, like, not breathing. Right.

Speaker C: As a mom, I Mean, I had the kid that was like, didn't understand danger or safety issues. And so like you feel sometimes I will speak for myself. I feel as a mom, like forced into helicopter parenting in all the ways. And like if somebody were to ask me how a day went, I'd be like, my kid's alive. I feel like I did my job. That was the extent of it. Right. And so my nervous system for years, and it's only been now in recent times that I'm learning some of the work that you're talking, talking about, about how everything is nervous system. Everything is dictated by your nervous system. Your capacity is dictated. Your capacity for parenting is dictated by your nervous system.

Speaker B: Well, and also, you know, as business owners, it really is our um, our, our magnetism. So when we are dysregulated as business owners, we will attract, we will either, um, you know, repel customers or attract disregulated customers who make our life incredibly difficult. The more you become resilient in your nervous system, the more healing you do. It is easier to find high level clients who are a joy to work with, who love paying you lots of money and it's really easy. That is true. When you have a more regulated nervous system, you also just become more magnetic. Like people who are further along in their healing journey just are like, great, I don't know what you're doing, but I want to work with you. Doors open, opportunities become available, people to start asking you to do stuff. Things become a lot more magnetic and in flow in business when we're operating from a regulated, healthy place. Um, so it does make things a lot easier to attract more money when you are operating from nervous system health and safety. But I do work with a lot of people who've done nervous system healing in regards to parenting or past traumas or whatever, who've never actually applied it to their financial life. So their financial life is still a place of profound dysregulation.

Speaker C: Oh, uh, 100. It's, it's, you know, I think about my own journey where I'm like, okay, I feel like I've really evolved or learned something in this department. Right. Because we have phases of life, whether it's like relationship centric or parenting centric or whatever, where you're going to learn a whole bunch about a topic. Right. But it evolves. This is the whole journey of business is the problems you had yesterday may not be the problems you have today, but you got a new type of problem. Yeah. So speak to us about folks that, you know, have done work in other areas, but are like, you know, they've got some things hanging out in the financial closet that they haven't looked at.

Speaker B: Well, one of the phrases that I love to use because it really highlights the problem is making good money doesn't make you good with money. M the number of women I know who are really making good money for all intents and purposes, but who lack the internal and extra terminal infrastructure to actually receive that money, it's astounding. Um, a study from Elves showed that Amongst women making $270,000 or more a year, which is a good, really good income, over 75% of them still do not feel financially confident, which is proof, of course, that more money doesn't solve the problem. And so what I find is folks who go just super unconscious around money because our relationship with money is so intermingled with our feelings of security and freedom. And those are super core, core issues. Uh, and so money m becomes a place to project all of our, uh, deepest, deepest fears. And until we consciously face that within a safe relationship, within a safe container, we just literally dissociate or go into super hyper vigilance or toggle between the two, which is deeply exhausting.

Speaker C: I lived as a kid, I lived in hyper vigilance all the way into my 20s. And then my mom died while I was pretty young, you know, in law school, first year of law school. And then, you know, not too long later, I had a baby sister die. And like, all of that vigilance around money just went out the window because it became seem unsustainable. Right. And then. But then it's like, what do you replace that with? And I think there are a lot of people that go through that pendulum swing at some point in life where they're like, okay, I did that and I tried that, and that didn't really work or feel good to me. Right. And a lot of people are learning the like, okay, what now? In later phases.

Speaker B: Absolutely. And I think it's really important that you said that because our systems need to upgrade, uh, as we do. And so for people who find themselves at a plateau in their income or, you know, some sort of plateau in their business, I think we have to really understand that what got us here will not get us there. And that's why we do need to keep finding new mentors, reading new books, uh, you know, using new tools. Because, of course, there are some things that can get you, you know, like, Pilates is going to be good for you no matter what. Right.

Speaker C: Regardless, stick with Pilates.

Speaker B: But even, even just this week, my husband and I are upgrading our whole financial software, you know, methodology, because what got us here is not going to get us there. And we need to upgrade our operating system just like you do with your computer and your phone. And we are the same way as beings, you know, our bodies are that same way and then our literal systems are that same way. Our softwares are, you know, what app are you doing? Who, uh, who are the financial professionals? And we need to be in a continuous evolution with those things very similarly to how we are about our eating or our exercise program or the way we're parenting or the next evolution in our marriage. And money just like goes out the window because it's such a taboo topic and, and people are just like so afraid to talk about it. And to tell the truth, there's so much shame. And I'm uh, really here to just like help people feel safe and excited about money.

Speaker C: Oh my gosh, I love it. Well, I can people do with you, right? You make it safe and I can tell you're open in sharing about your own journey. And I think it's just really important. I mean what you just said about it being a journey, it's not like you put a system in place and that's going to take care of you for the rest of your life. Just like in the medical world. Right? I mean you, I know you guys have been through the ringer and myself being on my own kind of healing like take care of mom journey. Now you don't just start with one doctor and finish with one doctor. It is like you look here for this, you look here for this, you go here for this. And it's just this constant tweak, upgrade, learn more. Okay, we can do this a little better. Same with finances. So I love it and I think it's a mindset for people who are like, oh my gosh, I need to hear more, learn more, connect with you. First of all, what are the ways that you work with clients or have services or programs available to people? Tell us how you work.

Speaker B: So our signature program, it's 80% of what I do, is called relaxed money. And it's a neuroscience based method to help people heal their relationship with money internally and externally so that you get the nervous system, capacity and safety, but also the financial systems and then even beyond that, you know, energetics manifesting and then investing, so really taking it to that next level as well. Um, so that's my program, but I do have a, a free experience that people can move into to just test it out, just try out. And that's called Good with Money.

Speaker C: So excellent. And that free experience. We will share links, folks, to Kate's website. Are you on social? Do you like for people to connect with you on socials? Where do you live?

Speaker B: Yeah, please do so at Kate Northrup. I'm on social. Um, I. You send me a dm, say hello. But yes, that is where I am.

Speaker C: Excellent. Okay, so folks, pop over to the show notes page. You can always find them at legal website warrior.com forward slash podcast. Find Kate's episode and you'll see all of her links there. Um, your free experience. Did you say it's an auditory experience?

Speaker B: Was this the.

Speaker C: Or was this a different one?

Speaker B: I, actually, I. There are two. So if you want to be with me live, it's called Good with Money. And that is a free three day workshop where we're really going to begin the rewiring process. I'm going to take what I've Learned since winter 2021 and give you the best of the best in this free, um, workshop. So that's Good with Money. Um, and then I do have a free audio experience also. If you just send me a D, a DM that says reset, you'll get that amazing reset.

Speaker C: Okay, I couldn't remember and I should have referred back to my notes.

Speaker B: That's fine.

Speaker C: Um, no, I love it. And I know you also have several books. So folks, if you are a reader like me, and that's a great way for you to get introduced, Kate, tell us about your multiple books.

Speaker B: Yeah, my books are called Money, A Love Story and then Do Less. And those are available anywhere books are sold and they're also available on audio. And then since you're a podcast listener, I have a podcast called Plenty.

Speaker C: Love it. Shout out to those other amazing podcasts. We will put a, uh, link over to your podcast as well. Kate. Um, so fun to spend time with you. I'm so glad that technology did not keep us from making this happen.

Speaker B: So great.

Speaker C: Uh, what final little tidbit of. I mean, you've given us lots to think about, but what final step or quote or anything would you like to leave our listeners with today?

Speaker B: I would like to say that there was never a baby born being good with money. And therefore there is not one person on the planet who cannot learn how to be good with money. Because it is a literal skill set that anyone can learn and embody.

Speaker C: Amazing. Um, and just for folks that are listening, remind me the dates of your upcoming program.

Speaker B: Right.

Speaker C: Because that's right around the corner. And we're going to get this published ahead of time, right?

Speaker B: Yeah. It becomes, it begins April 17th.

Speaker C: April 17th. Okay. So people just put it on your calendar. April 17th. I think you should show up. All right, Kate, big thank you to you. Really appreciate your message. It was just a joy to connect.

Speaker B: Thank you for having me.

Speaker A: Thank you for joining us today on the Guts, Grit and great Business podcast. We hope that we've added a little fuel to your tank, some coffee to your cup and pepper in your step to keep you moving forward in your own great adventures. For key takeaways, links to any resources mentioned in today's show and more, see the show notes, which can be found@legalwebsitewarrior.com podcast. Be sure to subscribe to the podcast. And if you enjoyed today's conversation, please give us some stars and a review on Apple Podcast, Spotify or wherever you get your podcast so others will find us too. Keep up the great work you are doing in the world and we'll see you next week.

Related episodes across the Index

Other episodes covering the same guests and topics, from across The B2B Podcast Index.

  • 197 How Emotional Eating, Hormones & Self-Worth Are Secretly Connected (with Amber Romaniuk)Your Money, Your Rules · on Nervous system regulation81 / 100
  • EP 52 Turns Out Smiling Is Free: Aric Bostick on Attachment Theory and Why Your Face Is an HR ProblemThe HR Life Podcast · on Nervous system regulation80 / 100
  • The Wellbeing Strategy for Any Stage of Company with Phil Wolf, Founder at Connects HealthFNDN Series · on Nervous system regulation74 / 100
  • Why Do Smart Leaders Make Bad Decisions Under Pressure? | Neuroscience in AI| AI for executivesAI Cafe Conversations · on Nervous system regulation68 / 100
  • #143 - The Power of Naming Emotions with Doug NollThe Workplace Communication Podcast · on Nervous system regulation65 / 100
  • How To Support Pupils Who Are AnxiousSchool Behaviour Secrets with Simon Currigan and Emma Shackleton · on Nervous system regulation64 / 100

More from Guts, Grit & Great Business®

All episodes →
  • Unlocking Business Freedom with Operational Excellence
  • Writing Your Way to Success
  • Breaking Through the Big Assumption Keeping You Stuck
  • Get Out of Your Own Way: PR for Small Businesses
  • Redefining Wealth: Quality over Quantity
Explore the best B2B Leadership podcasts →
All Guts, Grit & Great Business® episodes →