26. Overcoming Mom Guilt & Money Shame: Reframing Financial Decisions

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Why is it that every time we spend money on our business, our self-care, or anything that isn’t directly for our kids, we feel guilty? In today’s episode, we’re breaking down the mom guilt + money struggle and how to reframe financial decisions in a way that actually feels good.

If you've ever hesitated before investing in yourself or your business because of guilt, this episode is for you. We’re talking about money as a tool, not a stressor, and how prioritizing your financial well-being sets your family up for success. This one is packed with mindset shifts and practical strategies—let’s get into it!

What You’ll Learn in This Episode:

• Why society makes moms feel guilty about money – and how to push back.
• Reframing money as a tool, not a moral dilemma – spending wisely is an investment, not a waste
• Your business is an asset, not a luxury – why investing in yourself is investing in your family’s future.
• Small financial shifts = bigger financial freedom – how tiny money moves can create long-term success.
• Practical steps to make guilt-free financial decisions – including setting a fun budget, prioritizing high ROI, and checking where your guilt is coming from.

Episode Challenge:

• Set a small “fun budget” just for you—no guilt allowed!
• Identify one high-ROI investment (course, tool, or resource) that will help you grow.
• Check in with yourself: Is your guilt coming from societal pressure or your true values?

Resources Mentioned:
📌 Episode 2 – If you haven’t listened yet, go back and dive deeper into overcoming mom guilt.

Let’s Keep the Conversation Going!
💬 If this episode hit home, share it on Instagram and tag @CaffeinatedChaosPodcast! Let’s help more moms break free from money guilt and step into financial empowerment.

🎧 Listen now and start making financial decisions that feel GOOD!

Cheers! Thank you for joining us for another episode. Have a chaotic moment, question, or topic you want us to cover? Drop us a message or leave a review! If you loved this episode, share it with a friend who thrives in beautiful chaos too.

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Episode Transcript

(00:35):
Welcome back to the podcast.
Alright, let's talk aboutsomething we don't talk enough
about mom, guilt and money.
Why is it that every time wespend money on our business, on
ourselves, or something thatisn't directly for our kids, we
start to feel guilty?

(00:55):
I can't be the only one.
Today, we're breaking down whythat happens.
How to reframe money as a tool,not a stressor.
And how to make financialdecisions that actually feel
good this one's gonna hit home,so let's get into it.
Here's the truth.

(01:16):
Society loves to tell moms thatevery dollar we make should go
towards our kids spending moneyon ourselves, selfish investing
in our business.
Risky.
Taking a solo trip to target forsome peace, irresponsible.
But here's the thing that youneed to hear.
Taking care of yourselffinancially is not, let me

(01:39):
repeat, is not taking away fromyour kids.
It's setting them up forsuccess.
When you invest in yourwellbeing, your education, your
business, your building, abetter future for everyone
around you.
So let's reframe this wholemoney guilt cycle with a few
mindset shifts.

(02:01):
One.
Money is a tool, not a moraldilemma.
Money is not good nor bad.
It is a tool.
Spending money wisely on thingsthat bring you value is not
wasteful.
Okay, so I want you to say this.
When I invest in myself, Iinvest in my family's future.

(02:26):
Okay?
Your business is an asset, not aluxury.
Investing in your business isnot selfish.
It's an investment in long-termstability.
Instead of saying, I shouldn'thave spent this.
You should ask yourself, willthis help grow and create more

(02:47):
opportunities for my family?
And here's an example of that, a$50 course that teaches you how
to market your business better,could help you land$500 in new
sales.
So that's a return, not anexpense.
Three small wins lead to biggerfreedom.

(03:08):
Start with small shifts.
Automating your bills, savingtiny amounts, setting financial
goals.
Every step, forward matters, andyou should tell yourself, I
don't have to have it allfigured out.
Progress over perfection.

(03:29):
So let's talk practical steps tomake financial decisions without
the guilt.
I want you to set a fun budget.
A little money just for you isnecessary.
It's not selfish, it'snecessary.
Two, prioritize high ROI.
Okay, this is return oninvestments, things that are

(03:52):
going to bring value long term.
Three, guilt check yourself.
Is this guilt coming fromsociety's expectations or actual
values?
And we had a whole episode aboutguilt already, so that is
episode two.
So go back and listen to episodetwo if you haven't already

(04:12):
listened to it.
It goes way more into mom guiltand business guilt.
Okay.
So your financial decisionsshould make you feel empowered,
not ashamed.
You should give yourselfpermission to spend safe and
invest for your future becausewhen you thrive, your family
thrives.

(04:33):
Alright, I know this was a quickone, but I wanted to just
quickly get on here and talkabout that because you do not
have to feel guilty or ashamedif you want to spend something
on yourself.
All right?
Mamas, go by yourself.
Something, because when you'regood.
Everyone around you is good.

(04:54):
Okay.
If this episode hit home, shareit.
Tag us and keep the conversationgoing.
Let's help bring down thebarriers of what people are
feeling as mom.
Guilt, and let's make financialdecisions that actually feel
good and are good for everyonearound us.

(05:14):
All right everyone.
I love you and I will see you inthe next episode.
Bye.