Podcasts about financial psychology institute

In this episode of Money Tales, our guest is Marlis Jansen. Marlis was one of our first guests and shared her money tales in episode number five. She joins us this week to talk about the HEARTS framework she developed for achieving financial wellbeing. Marlis describes financial wellbeing as possessing solid financial skills and deep emotional intelligence about money, so that we can meet our financial responsibilities, reduce stress and live more purposeful, joyful and impactful lives. We go deep into HEARTS in this episode, which is an acronym for each of the components for achieving financial wellbeing. Marlis Jansen is a licensed psychotherapist who is trained in wealth psychology and a sixth-generation member of a family of stewardship. This combination of professional training with lived experience gives her a unique perspective on the nuances and complexities of owning financial wealth. Prior to founding Graddha, Marlis worked for several healthcare startups and spent a decade as a stay at home mom.  As a product developer in the healthcare information technology space, she designed strategies to maximize trust and safety for patients to help them take ownership of their health decisions. Marlis also served as Director of Business Development and Director of Product Development in a couple of health care startups.  Her experience as a mom inspired her to contemplate how we ascribe value to people and work. Marlis holds a Bachelor of Arts degree in Anthropology from Harvard University, a Master of Arts degree in Psychology from the California Institute of Integral Studies and a Graduate Certificate in Financial Psychology and Behavioral Finance from Creighton University Heider College of Business. She is an active member of the Purposeful Planning Institute, Financial Psychology Institute and the Financial Therapy Association. She serves on the Board of the Stone Age Institute and, since 2009, has served as Vice President of The Springcreek Foundation, her family's private philanthropic foundation. Marlis speaks French well and is proficient in Spanish and Norwegian. She loves to enjoy home cooked family dinners, hike Mt. Tam with her family and dogs, travel in unfamiliar countries and cultures, and stay up late playing board games.

Andy Hill sits down with Dr. Brad Klontz—bestselling author, professor, and leading expert on the psychology of wealth—to explore the power of mindset in financial success. They dive into the differences between a poor mindset and a rich mindset, common money mistakes, and the habits that set wealthy individuals apart. Dr. Klontz shares his personal journey from financial struggle to success, the critical lessons he learned along the way, and actionable steps you can take today to shift your thinking and build lasting wealth. Whether you're an employee, an entrepreneur, or simply looking to break free from financial stress, this conversation will change the way you view money. #MoneyMindset #DrBradKlontz #ThinkRich #FinancialFreedom RESOURCES: Sponsors + Partners + Deals Start Thinking Rich: 21 Harsh Truths That Will Take You from Broke to Rich (book): https://amzn.to/41zrnpk (affiliate) GUEST BIO - Dr. Brad Klontz: Dr. Brad Klontz, Psy.D., CFP®, is a renowned financial psychologist and Managing Principal at Your Mental Wealth Advisors. He serves as an Associate Professor of Practice at Creighton University's Heider College of Business and is a Fellow of the American Psychological Association. Dr. Klontz has co-authored several influential books on financial psychology, including "Money Mammoth," "Mind Over Money," and "Start Thinking Rich." His work has been featured in prominent media outlets such as ABC News' 20/20, Good Morning America, USA Today, The Wall Street Journal, and The New York Times. In addition to his academic and writing endeavors, Dr. Klontz co-founded the Financial Psychology Institute and has served as President of the Hawaii Psychological Association. MKM RESOURCES: MKM Coaching: Want 1-on-1 support with your family finance journey? Book a time with me today. Make My Kid a Millionaire Course: Want to build generational wealth and happiness for your kid? Learn more about my course! Coast FIRE Calculator: A free calculator to help you find out when you can slow down or stop investing for retirement. Mortgage Payoff Calculator: A free calculator to help you see how fast you can become mortgage free. YouTube: Subscribe for free to watch videos of these episodes and interviews. RECOMMENDED RESOURCES (SPONSORS AND AFFILIATES): Monarch Money - Best Budget App for Families & Couples Empower - Free Portfolio Tracker Crew - HYSA Banking Built for Families - Get an Extra 0.5% APY with my partner link Ethos - Affordable Term Life Insurance Trust & Will - Convenient Estate Planning SHOW INFORMATION:  Marriage Kids and Money is dedicated to helping young families build wealth and happiness. This award-winning platform helps couples and parents achieve financial independence and discover the true meaning of wealth.  To achieve these big goals, we answer questions and interview experts who uncover smart net worth building habits and tools that can help everyone find their own version of financial independence. Learn more at https://www.marriagekidsandmoney.com  HOW WE MAKE MONEY + DISCLAIMER: This show may contain affiliate links or links from our advertisers where we earn a commission, direct payment or products. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. Marriage Kids and Money (www.marriagekidsandmoney.com) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com. CREDITS: Podcast Artwork: Liz Theresa Editor: Johnny Sohl Podcast Support: Nev Maraj Learn more about your ad choices. Visit megaphone.fm/adchoices

Have you ever felt like no matter what you do, you'll never break free from your current financial situation? Do you catch yourself thinking, “This is just how my life is meant to be”? If so, you're not alone. Many people are born into circumstances that shape their beliefs about money, success, and their own potential. But what if those beliefs are holding you back? The truth is, your mindset around money could be the very thing keeping you stuck. Thinking you're destined to fail because of where you started in life is a broken mindset. And yet, so many people live their entire lives believing they are trapped, unable to break the cycle. The problem isn't where you come from—it's how you think about money. If you don't understand your views on money or address the deep-rooted psychology behind them, you'll continue to repeat the same patterns. What could be accomplished if people broke free from limiting beliefs about money? What's stopping us from taking the first step toward change? Bradley T. Klontz, Psy.D., CFP® is an expert in financial psychology, financial planning, and applied behavioral finance and he joins me for this episode to share on financial psychology and how to change the money mindset so many people are conditioned to.   Things You'll Learn In This Episode  How to deal with roadblocks  Overcoming roadblocks is essential to achieving wealth—persistence is key. How can we stay motivated when facing obstacles on our path to financial success? Rich vs. poor mindset Surrounding ourselves with those who have a poor mindset can hinder our financial growth and future. How does the mindset of those around us influence our financial success? If others can achieve it, so can we Seeing others succeed proves that achieving our goals is possible for us too. What steps can we take today to follow in the footsteps of those who inspire us? Guest Bio Bradley T. Klontz, Psy.D., CFP® is an expert in financial psychology, financial planning, and applied behavioral finance.  He's an Associate Professor of Practice at Creighton University Heider College of Business, Co-Founder of the Financial Psychology Institute, and Managing Principal of YYMW Advisors. Dr. Brad is co-author/co-editor of 8 books on the psychology of money: Psychology of Financial Planning (Wiley, 2023), The Practitioner's Toolkit (Wiley, 2023), Money Mammoth (Wiley, 2020) Facilitating Financial Health (NUCO, 2008; 2016), Financial Therapy (Springer, 2015), Mind Over Money (Broadway Business, 2009), Wired for Wealth (HCI, 2008), and The Financial Wisdom of Ebenezer Scrooge (HCI, 2005; 2008). He is a Fellow of the American Psychological Association, and a Former President of the Hawaii Psychological Association. He was awarded the Innovative Practice Presidential Citation from the American Psychological Association for his application of psychological interventions to help people with money and wealth issues and his innovative practice in financial psychology for practitioners across the country. Dr. Brad has been a columnist for the Journal of Financial Planning, On Wall Street, and Psychology Today: Health, Help, Happiness + Find a Therapist . His work has been featured on ABC News' 20/20, Good Morning America, and in USA Today, The Wall Street Journal, New York Times, Washington Post, Los Angeles Times, Time, Kiplinger's, Money Magazine, NPR and many other media outlets and professional magazines and journals. He was appointed to the CNBC Financial Advisor Council in 2023 and received the 2018 and 2021 Montgomery-Warschauer Awards from the Journal of Financial Planning, honoring the most outstanding contribution to the betterment of the financial planning profession. He has partnered with organizations including Capital One, JP Morgan Chase, Mutual of Omaha, and H&R Block in efforts to help raise public awareness around issues related to financial health and financial psychology. Visit https://www.bradklontz.com/  Email Brad brad@klontzconsulting.com     About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is currently founder of The Money School™, and Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans delivering the financial knowledge that fuels lasting freedom.   Check out this episode on our website, Apple Podcasts, or Spotify, and don't forget to leave a review if you like what you heard. Your review feeds the algorithm so our show reaches more people. Thank you! 

Jesse kicks today's show off with a monologue on the importance of having the right temperament for investing - it's not really about intelligence at all. Emotional stability and disciplined decision making outweigh expertise and intelligence when investing. The Dunning-Kruger effect and the paradox of choice are also highlighted, emphasizing the need to prioritize action over perfection in personal finance. For the second half of the show, Dr. Brad Klontz, Co-Founder of the Financial Psychology Institute and author of Start Thinking Rich, joins to discuss “money scripts”, which are subconscious beliefs about money inherited from previous generations, our society, or other people we're surrounded by. Throughout the conversation, the duo dispels myths about wealth, and makes a distinction between being “poor” (a limiting mindset) and being “broke” (a temporary financial state). The conversation gets deep into the stories we tell ourselves, how we present money, and how to adopt an internal locus of control and make lifestyle changes.  This episode is a must listen for anyone wanting to explore their own “money scripts” and rethink the way they talk to themselves - and others - about money. Key Takeaways:• How the Dunning-Kruger effect is affecting your investing decisions. • The difference between a satisficer and a maximizer - and why you may want to be the former. • What is a “money script”? And how can you change yours? • The patterns you may have inherited from even your great grandparents. • Consider how you rank on the following four patterns: avoidance, worship, vigilance, and status. • Research backed psychological insights about your relationship with money. Key Timestamps: (00:00) Understanding the Dunning-Kruger Effect (02:58) Insider vs. Outsider Perspectives in Sports and Investing (05:41) The Importance of Temperament in Investing (10:13) The Paradox of Choice and Financial Decision Making (18:07) Interview with Dr. Brad Klontz: Money Scripts and Financial Psychology (28:44) Understanding Money Scripts (30:42) Personal Reflections on Economic Backgrounds (33:33) Introducing the New Book: Start Thinking Rich (35:19) Harsh Truths About Wealth and Mindset (42:15) The Power of Locus of Control Key Topics Discussed:The Best Interest, Jesse Cramer, Rochester New York, financial planner, financial advisor, wealth management, retirement planning, tax planning, personal finance, Brad Klontz, Start Thinking Rich, money scripts, financial psychology, limiting mindset, mindset growth, money myths, workaholic, workaholism, unhealthy patterns Mentions:Website: https://www.bradklontz.com/ LinkedIn: https://www.linkedin.com/in/drbradklontz/  Mentions: On Amazon: Start Thinking Rich: 21 Harsh Truths to Take You from Broke to Financial Freedom Great Investors' Little Secret:  https://bestinterest.blog/great-investors-little-secret/ How “Analysis Paralysis” Can Sabotage Our Finances: https://bestinterest.blog/opportunity-paranoia-analysis-paralysis/ More of The Best Interest:Check out the Best Interest Blog at bestinterest.blog Contact me at jesse@bestinterest.blog The Best Interest Podcast is a personal podcast meant for educational and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.  

Our guest on the podcast today is author and financial psychologist, Dr. Brad Klontz. He's an Associate Professor of Practice at Creighton University's Heider College of Business. He's also co-founder of the Financial Psychology Institute and managing principal of Your Mental Wealth Advisors, a fee-only registered investment advisory.Brad is co-author or co-editor of nine books on the psychology of money, including his latest, Start Thinking Rich: 21 Harsh Truths to Take You From Broke to Financial Freedom, which he co-wrote with Adrian Brambila. He is a fellow of the American Psychological Association and a former President of the Hawaii Psychological Association. He was appointed to the CNBC Financial Advisor Council in 2023 and received the 2018 and 2021 Montgomery-Warschauer Awards from the Journal of Financial Planning, honoring the most outstanding contribution to the betterment of the financial planning profession. He received his Doctor of Psychology degree from Wright State University, his master's certificate in personal financial planning from Kansas State University, his master's in counseling and human resources development from South Dakota State University, and his bachelor's degree in psychology from Olivet Nazarene University. Brad is also a Certified Financial Planner professional.BackgroundBioStart Thinking Rich: 21 Harsh Truths to Take You From Broke to Financial Freedom, by Dr. Brad Klontz and Adrian BrambilaYour Mental Wealth AdvisorsMoney ScriptsYour Money Script“Money Beliefs and Financial Behaviors: Development of the Klontz Money Script Inventory,” by Bradley Klontz, Sonya Britt-Lutter, Jennifer Mentzer, and Ted Klontz, Journal of Financial Therapy, April 2011.“Identify and Understand Clients' Money Scripts: A Framework for Using the KMSI-R,” by Michelle Arpin Begina, Jessica Hickingbottom, Elaine Grogan Luttrull, Megan McCoy, and Bradley Klontz, Journal of Financial Planning, March 2018.Behavioral Finance“Untangling Behavioral Finance and the Psychology of Financial Planning,” by Brad Klontz, Journal of Financial Planning, January 2023.“Integrating Interpersonal Neurobiology Into Financial Planning: Practical Applications to Facilitate Well-Being,” by Brad Klontz, Journal of Financial Planning, May 2020.

In this enlightening episode, Dr. Brad Klontz, a leading expert in financial psychology and co-author of the new book “Start Thinking Rich”, joins Dr. Jay to explore the fascinating relationship between mindset and money. Together, they break down the critical differences between being 'broke' and 'poor,' discuss the psychological hurdles to wealth-building, and reveal how privilege shapes financial opportunities.The conversation dives into the 'financial comfort zone,' the challenges of spending in retirement, and the unique considerations for childfree individuals when planning their financial legacies. From actionable wealth strategies to the importance of self-reliance, this episode is packed with insights to help you take control of your financial trajectory.Ready to rethink your relationship with money? Tune in now! Order “Start Thinking Rich”  and access Dr. Brad's special offer for our Childfree Wealth Podcast listeners here:  https://www.startthinkingrich.com/podcast?am_id=jayzigmont3916 Connect With Dr. Brad Klontz here: Instagram: https://www.instagram.com/drbradklontz/ Facebook: https://www.facebook.com/brad.klontz/ LinkedIn: https://www.linkedin.com/in/drbradklontz/ About our Guest: Dr. Brad Klontz, Psy.D., CFP® is a leading authority in financial psychology, behavioral finance, and financial planning. He's an Associate Professor at Creighton University and Co-Founder of the Financial Psychology Institute. With over 1.4 million followers, Dr. Brad uses social media to promote financial wellness.Dr. Brad has been recognized with awards like the Innovative Practice Presidential Citation and two Montgomery-Warschauer Awards for advancing financial planning. His research has been featured in major outlets, including The Wall Street Journal, New York Times, and NPR.A prolific author, Dr. Brad has written nine books, including Psychology of Financial Planning and Start Thinking Rich. Learn more at www.BradKlontz.com or connect with him @DrBradKlontz.#FinancialPsychology #WealthMindset #MoneyMatters #ChildfreeWealth #FinancialFreedom #MoneyMindset #RetirementPlanning #WealthBuilding #FinancialIndependence #ChildfreeWealth #ChildfreeWealthPodcast #BradKlontz  The Childfree Wealth Podcast, hosted by Bri Conn and Dr. Jay Zigmont, CFP®, is a financial and lifestyle podcast that explores the unique perspectives and concerns of childfree individuals and couples. Like the show? Leave us a rating & review! If you want to join the conversation, email us at media@childfreewealth.com, follow Childfree Wealth® on social media, or visit our website www.childfreewealth.com! Join our newsletter HERE. Schedule a meeting with a Childfree Wealth Specialist® HERE. Instagram: @childfreewealth Facebook: @childfreewealth LinkedIn: @childfree-wealth YouTube: @ChildfreeWealthPodcast Disclaimer: This podcast is for educational & entertainment purposes. Please consult your advisor before implementing any ideas heard on this podcast.

This episode is brought to you by The Institute for Redefining Wealth, a transformative 12-month program designed to help individuals align with their Ignited Aligned Vision and elevate their lives through a proven framework rooted in the Six Pillars of Wealth. This week on the show, Patrice discusses the #MONEYpillar with Dr. Bradley T. Klotz, founder of the Financial Psychology Institute®, and Adrian Brambilla, a TikTok influencer and entrepreneur who made $1.7 million while living in a van. Together, they explore unconventional and sometimes controversial truths about wealth, as featured in their new book, Starting Rich: 21 Harsh Truths to Take You from Broke to Rich. In this honest and raw conversation, Adrian shares his journey from a minimalist lifestyle to embracing wealth-building practices without flaunting material possessions, challenging traditional views of success, while Dr. Brad discusses societal and inherited beliefs about money that may hinder financial growth and highlights the mindset shift required to achieve true wealth. Questions to Ask Yourself: How do your current beliefs about money dictate your financial life, and what changes are you willing to make to change that mindset? In what ways might you be holding onto possessions as symbols of success, rather than focusing on true wealth and freedom? Are you surrounding yourself with people who inspire financial growth or financial stagnation? What sacrifices are you willing to make for long-term wealth, and how does your current lifestyle reflect or contradict that commitment? How can you shift your focus from accumulating material things to investing in the future for financial independence and security? Resources Mentioned: Brad Klontz & Adrian Brambila - Start Thinking Rich: 21 Harsh Truths to Take You from Broke to Financial Freedom Financial Psychology Institute® - Website Adrian Brambilla's Website Adrian Brambilla's TikTok Page   How to Redefine Wealth for Yourself

Start Thinking Rich   In this episode of Richer Soul, two incredible guests, Dr. Brad Klontz and Adrian Brambila, dive deep into financial psychology and the entrepreneurial journey. Brad, an expert in behavioral finance, shares his insights on the mental roadblocks we face with money, while Adrian, a successful internet entrepreneur, offers a unique perspective on building wealth through hard work and creativity. Together, they explore the intersection of money, mindset, and success. Key Takeaways: The Power of Financial Psychology: Dr. Brad Klontz emphasizes how our subconscious money beliefs shape our financial behaviors. He highlights that many of these beliefs are inherited from our family and early experiences, leading to self-sabotaging habits if left unchecked. From Immigrant Roots to Millionaire Entrepreneur: Adrian Brambila shares his inspiring story of coming from humble beginnings and leveraging his work ethic to build multiple online businesses. His experiences highlight that financial success is achievable through focus, perseverance, and leveraging opportunities. Mindset Matters: Both guests underscore that success is more about mindset than strategy. Whether it's dealing with money trauma or transitioning from employee to entrepreneur, rewiring our brains for financial success is crucial. Money Learning: Inherited Money Beliefs: Brad shares how growing up in a lower-income household with strong work ethic values influenced his approach to money. However, as he advanced in his career, he realized the importance of addressing his limiting beliefs around wealth accumulation, which he terms "money scripts"—subconscious beliefs about money that can hold people back financially. The Role of Mentorship: Adrian highlights how mentorship played a pivotal role in shaping his financial knowledge. From learning about Roth IRAs in college to understanding the power of minimalism and online entrepreneurship, mentors guided him toward smart financial choices. Bios: Dr. Brad Klontz is a financial psychologist and a leading authority on behavioral finance. He's the Managing Principal of YMW Advisors, Associate Professor at Creighton University, and founder of the Financial Psychology Institute®. Brad has authored eight books on money psychology, with his research featured in numerous major media outlets​. Adrian Brambila is an internet entrepreneur and former professional dancer for T-Pain. Known for his unconventional journey, Adrian built a million-dollar business while living out of a van. He is the founder of Brambila Method, teaching people how to generate income through online businesses​. Key Discussion Points: Brad's Story: Brad reflects on his journey from racking up $100,000 in student loan debt to discovering the field of financial psychology. A pivotal moment came when he lost money trading stocks and realized his psychological patterns with money were holding him back. This motivated him to explore why “intelligent people do stupid things with money” and led him to research money scripts​. Adrian's Entrepreneurial Path: Adrian shares his early life growing up in a Mexican immigrant family and the lessons they instilled about working hard for money. His journey from running parts at a Toyota dealership to becoming a six-figure entrepreneur illustrates how grit and resilience, combined with a minimalistic lifestyle, can lead to financial freedom​​. Overcoming Money Trauma: Both guests discuss the importance of addressing money-related trauma. Brad reveals how money trauma can manifest in poor financial decisions and how therapy can help resolve these deep-seated issues. Adrian touches on how cultural and family influences affected his money mindset but how he learned to transform those influences into a source of strength. Achieving Financial Independence: Adrian explains how his transition from a traditional job to making money online gave him control over his time and financial future. He stresses the importance of diversifying income streams and being adaptable in the face of challenges​​. Conclusion: This episode provides a comprehensive look into the mindsets behind financial success, highlighting both the psychological and entrepreneurial aspects of money management. Brad Klontz and Adrian Brambila offer valuable lessons on how to overcome mental roadblocks and take actionable steps toward financial independence. Whether you're struggling with money trauma or looking for inspiration to build your wealth, this episode offers tools and insights to help you achieve your goals.   Check out this previous episode with Brad Klontz: Ep 391 How to Master Your Financial Psychology with Brad Klontz: https://richersoul.com/ep-391-how-to-master-your-financial-psychology-with-brad-klontz/   Links: startthinkingrich.com/rocky @DrBradKlontz. Adrian Brambila Official Site: https://adrianbrambila.com/   Richer Soul Life Beyond Money. You got rich, now what? Let's talk about your journey to more a purposeful, intentional, amazing life. Where are you going to go and how are you going to get there? Let's figure that out together. At the core is the financial well being to be able to do what you want, when you want, how you want. It's about personal freedom!   Thanks for listening! Show Sponsor: http://profitcomesfirst.com/ Schedule your free no obligation call: https://bookme.name/rockyl/lite/intro-appointment-15-minutes If you like the show please leave a review on iTunes: http://bit.do/richersoul   https://www.facebook.com/richersoul http://richersoul.com/ rocky@richersoul.com   Some music provided by Junan from Junan Podcast Any financial advice is for educational purposes only and you should consult with an expert for your specific needs.

Dr. Brad Klontz, Psy.D., CFP® | Financial Psychologist | Author | Professor | Adrian Brambila | Entrepreneur | Author | Summary: In this conversation, we explore how to start thinking rich by shifting from a poor mindset to a rich mindset. There's no limit to how much you can earn, but once you achieve financial freedom, it's your responsibility to find your purpose. While money can provide safety and security, it's essential to use it wisely and not rely on material possessions for happiness. The discussion highlights how a poor mindset—believing the system is rigged and feeling powerless—can hold people back, even those with significant wealth. Success comes from changing your beliefs about money, adopting the right behaviours, and consistently challenging your mindset to create lasting change. BIOs: Adrian Brambila Adrian Brambila is an internet entrepreneur and former professional dancer for T-Pain, who has become a leading voice in online marketing. With over 1.7 million social media followers, Adrian's unconventional journey saw him living in a van and travelling the USA during the pandemic, while making over $100K per month online. He's passionate about showing how wealth and minimalism can coexist. Adrian is the founder of Bramify.com and BrambilaMethod.com, and the author of Start Thinking Rich. Dr. Bradley T. Klontz, Psy.D., CFP® Dr. Brad Klontz is a leading expert in financial psychology, financial planning, and behavioral finance. He's an Associate Professor of Practice at Creighton University's Heider College of Business, Co-Founder of the Financial Psychology Institute, and Managing Principal of YYMW Advisors. Dr. Brad has co-authored eight books on the psychology of money, including Psychology of Financial Planning and Mind Over Money. His work bridges the gap between financial behaviour and emotional well-being, helping people create healthier relationships with money. Episode Takeaways: Money can offer safety, security, and freedom, but it's important not to rely on material possessions for happiness. The first step to financial freedom is believing you can change your financial situation. Taking responsibility for your financial choices helps you understand and navigate the system. While the system isn't necessarily rigged, it's crucial to recognize and address issues like racism, sexism, and classism. Being poor is a mindset, not just about lacking money, and even wealthy people can have a poor mindset. Changing our beliefs about money is essential for achieving financial success. A mindset shift is necessary for long-term, sustainable change. Continuously challenging and upgrading your beliefs about money is key. Content that provokes emotional reactions and inspires action is powerful. Being open-minded and learning from others' perspectives helps foster growth. Click here for a copy of START THINKING RICK: 21 Harsh Truths to Take You from Broke to Financial Freedom Links: Dr. Brad Klontz Information & Books: CLICK HERE TikTok: CLICK HERE LinkedIn: CLICK HERE Instagram: CLICK HERE Adrian Brambila: TikTok: CLICK HERE YouTube: CLICK HERE

About Dr. Brad Klontz Brad Klontz, Psy.D., CFP® is an expert in financial psychology, financial planning, and applied behavioral finance. He's an Associate Professor of Practice at Creighton University Heider College of Business, Co-Founder of the Financial Psychology Institute, and Managing Principal of YYMW Advisors.  Dr. Brad is co-author/co-editor of 9 books on the psychology of money, including his latest book- Start Thinking Rich. What You'll Learn In this episode we talk about: Poor vs broke and why there is a big difference What holds people back with their finances? Advice for those who might have friends/family that are holding them back Resources Say hi to Whitney on IG: @whitney_hansen_co Grab a copy of Start Thinking Rich and get a special mastermind offer Learn more about your ad choices. Visit podcastchoices.com/adchoices

Dr. Charles Chaffin, the co-founder of the Financial Psychology Institute, joins Lisa Dent to explain how spending more to save more, also known as spaving, could actually put you in debt. Dr. Chaffin offer tips for people to use to avoid falling into the spaving trap. Follow The Lisa Dent Show on Twitter:Follow @LisaDentSpeaksFollow @SteveBertrand […]

How to Master Your Financial Psychology   Take away: Developing an internal locus of control, where you take responsibility for your financial outcomes instead of blaming external factors, is a powerful mindset that can lead to significantly improved financial behaviors and outcomes.   Money Learnings: Brad grew up in a lower-income family, with his parents divorcing when he was young. Both sets of grandparents lived in trailer parks, so he was very aware of the challenges and limitations of being poor. This drove Brad to want to figure out how to not experience the same financial struggles as his family. He developed an intense interest in understanding the psychology behind why "reasonably intelligent people do something so stupid" with their money. Brad credits this early curiosity and drive to understand money as the foundation for his later career path in financial psychology and his mission to help people improve their financial behaviors and mindsets.   Bio: Bradley T. Klontz, Psy.D., CFP® is an expert in financial psychology, behavioral finance, and financial planning. He is a Managing Principal of YMW Advisors, an Associate Professor of Practice at Creighton University Heider College of Business, and a founder of the Financial Psychology Institute®.   Dr. Klontz has written eight books on the psychology of money and his work has been featured on ABC News' 20/20, Good Morning America, and in USA Today, The Wall Street Journal, New York Times and many more.   Highlights from this episode: The importance of understanding your family's relationship with money and how it shapes your own beliefs and behaviors around money. The concept of "money avoidance" - the belief that rich people are greedy and money is corrupting, which can lead to self-sabotaging financial behaviors. The danger of the "money focus" or "money worship" mindset, where material possessions are equated with happiness, leading to unhealthy outcomes. The power of automating savings and creating a clear vision for your financial future, rather than just focusing on the present moment. The importance of finding purpose and meaning beyond just accumulating wealth, and the potential pitfalls of having too much free time. The idea that "retirement is for dead people" and the value of continually working towards new goals, even after achieving financial freedom. The emphasis on developing an internal locus of control, where you take responsibility for your financial outcomes rather than blaming external factors.   Links: Any social media @BradKlontz   Richer Soul Life Beyond Money. You got rich, now what? Let's talk about your journey to more a purposeful, intentional, amazing life. Where are you going to go and how are you going to get there? Let's figure that out together. At the core is the financial well being to be able to do what you want, when you want, how you want. It's about personal freedom!   Thanks for listening!   Show Sponsor: http://profitcomesfirst.com/   Schedule your free no obligation call: https://bookme.name/rockyl/lite/intro-appointment-15-minutes   If you like the show please leave a review on iTunes: http://bit.do/richersoul   https://www.facebook.com/richersoul http://richersoul.com/ rocky@richersoul.com   Some music provided by Junan from Junan Podcast   Any financial advice is for educational purposes only and you should consult with an expert for your specific needs.

It seems like an uncertain time, doesn't it? High inflation, high interest rates, job uncertainty for some...and just under one year from now, a huge presidential election. These are the types of years when people sit out of the financial markets. They wait for "calmer waters" and "better times" to invest, moving their money to cash. But is that the right move? What should you do with your money as we ramp up toward another presidential election cycle? Today we've assembled an All-Star panel to address that very question. From T. Rowe Price, CFA and Capital Markets Strategist in the Multi-Asset Division, Tim Murray joins us. And from Fidelity Investments, Certified Financial Planner and Vice President, Financial Consultant Ryan Viktorin also chimes in, as does our behavioral expert, Certified Financial Planner and Co-Founder of the Financial Psychology Institute, as well as Associate Professor of Practice at Creighton University, Dr. Brad Klontz. We're excited they're all here and ready to help you guide your financial boat into safe waters. Do you know someone who's really worried about this election? This is definitely the episode for them! Share this with them so that you can help them stay calm and avoid potentially horrible moves with their money. FULL SHOW NOTES are at StackingBenjamins.com/investing-in-an-election-year-special-1435. Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201 Learn more about your ad choices. Visit podcastchoices.com/adchoices

Dr. Brad Klontz | Financial Psychologist | Author | Professor | Speaker | Financial Advisor BIO:Dr. Bradley T. Klontz, Psy.D., CFP®, is a renowned expert in financial psychology, applied behavioural finance, and financial planning. He is an Associate Professor of Practice at Creighton University Heider College of Business, Co-Founder of the Financial Psychology Institute, and Managing Principal at YYMW Advisors. Dr. Brad has made significant contributions to the field with eight books on the psychology of money. He's a Fellow of the American Psychological Association, a former President of the Hawaii Psychological Association, and received the Innovative Practice Presidential Citation from the American Psychological Association. Dr. Brad is a columnist for prestigious publications, including the Journal of Financial Planning, On Wall Street, and PsychologyToday.com. His work has been featured on ABC News' 20/20, Good Morning America, The Wall Street Journal, New York Times, and USA Today, among others. He's been honoured with awards like the 2018 and 2021 Montgomery-Warschauer Awards from the Journal of Financial Planning and has partnered with top organizations like Capital One, JP Morgan Chase, Mutual of Omaha, and H&R Block to promote financial health and psychology awareness. Why You Should Listen: In this episode, Dr. Brad Klontz shares his passion for delivering practical and relatable financial guidance on TikTok. He challenges the common misconception that millionaires indulge in lavish spending, presenting research that shows they tend to be frugal. Dr. Klontz explores the psychology of trust on social media, the dynamics of content virality, and the stark differences between poor and rich mindsets. Dr. Klontz's mission is to inspire and challenge listeners to rethink their financial beliefs, helping people gain financial confidence by challenging our assumptions. Be sure to stay until the end when RootHub makes up a song for Dr. Klontz! Highlights: Discover why Dr. Klontz is dedicated to providing financial advice on TikTok. Learn to distinguish authentic trust from artificial trust when seeking financial advice on social media. Gain insights into the psychology of virality. Learn the differences between poor and rich mindsets. Get tips on crafting compelling messages that resonate with people. Dr. Klontz encourages listeners to challenge their financial beliefs and plant the seed for a brighter financial future. The importance of cultivating an internal locus of control Understand the importance of providing well-researched financial advice on social media to counter misinformation. Quotes: “This is possible for me. I am training to plant a seed,” Dr. Klontz Links: Dr. Klontz on TikTok: CLICK HERE Dr. Klontz's website: CLICK HERE

Are you ready to unravel the mysteries of your tangled relationship with money? We invited Dr. Brad Klontz, a distinguished psychologist, author, and innovator in the realm of financial psychology, to shed light on the emotions and beliefs that drive our financial behaviors. Engage with us as we navigate Brad's personal journey, and explore how his work with individuals across the socioeconomic spectrum has shaped his understanding of wealth psychology. Delve into the world of money scripts with us and understand how they influence your financial health. Dr. Klontz guides us through the four types of money scripts - money avoidance, money worship, money status, and money vigilance. Learn about the universal experience of money-related shame and its potential to lead to money avoidance. You'll be astounded at how our financial well-being hinges on our comparisons with others. Lastly, we ponder over the concept of personal mission and how it can align our choices with our values. Dr. Klontz shares his personal mission statement and how it has steered his work. We also discuss the existential crisis that success can trigger, leading to money avoidance, shame around money, and difficulty expressing values with money. This episode promises to challenge your views on money, wealth, and success - providing fresh insights that will foster a healthier relationship with your finances. Tune in and embark on a journey to better financial mental health. Key Takeaways: (0:00:02) - Psychology and Wealth Intersection Exploration (0:06:28) - Exploring Learned Helplessness and Financial Health (0:17:41) - Exploring Money Scripts and Beliefs (0:24:56) - Understanding Money Scripts and Overcoming Shame (0:35:56) - Overcoming Shame and Comparison in Finances (0:44:21) - Discovering Personal Mission and Healing (0:52:16) - Navigating Post-Success Existential Crisis (1:01:13) - Expressing Gratitude and Future Plans Resources Mentioned: Dr. Brad on IG Dr. Brad on TikTok Website "What's your money script?" Assessment About Brad: Bradley T. Klontz, Psy.D., CFP® is an expert in financial psychology, financial planning, and applied behavioral finance. He's an Associate Professor of Practice at Creighton University Heider College of Business, Co-Founder of the Financial Psychology Institute, and Managing Principal of YYMW Advisors. Dr. Brad is co-author/co-editor of 8 books on the psychology of money: Psychology of Financial Planning (Wiley, 2023), The Practitioner's Toolkit (Wiley, 2023), Money Mammoth (Wiley, 2020) Facilitating Financial Health (NUCO, 2008; 2016), Financial Therapy (Springer, 2015), Mind Over Money (Broadway Business, 2009), Wired for Wealth (HCI, 2008), and The Financial Wisdom of Ebenezer Scrooge (HCI, 2005; 2008). He is a Fellow of the American Psychological Association, and a Former President of the Hawaii Psychological Association. He was awarded the Innovative Practice Presidential Citation from the American Psychological Association for his application of psychological interventions to help people with money and wealth issues and his innovative practice in financial psychology for practitioners across the country. Dr. Brad has been a columnist for the Journal of Financial Planning, On Wall Street, and PsychologyToday.com. His work has been featured on ABC News' 20/20, Good Morning America, and in USA Today, The Wall Street Journal, New York Times, Washington Post, Los Angeles Times, Time, Kiplinger's, Money Magazine, NPR and many other media outlets and professional magazines and journals. He was appointed to the CNBC Financial Advisor Council in 2023 and received the 2018 and 2021 Montgomery-Warschauer Awards from the Journal of Financial Planning, honoring the most outstanding contribution to the betterment of the financial planning profession. He has partnered with organizations including Capital One, JP Morgan Chase, Mutual of Omaha, and H&R Block in efforts to help raise public awareness around issues related to financial health and financial psychology. **episode note** We are aware that the audio quality is not what we anticipated on our production side, but we felt the content was so rich (pun intended) that we decided to go ahead and share it with you despite the tech potholes. Thanks for your understanding.

Do you know why you make the financial decisions you do? On today's Retire Sooner episode, associate professor of Practice and Financial Psychology at Creighton University and director of the Financial Psychology Institute®, Ted Klontz, joins Wes Moss to discuss our subconscious beliefs about money that control behavior. Klontz explains the importance and assessment of Money Scripts®, beliefs that are rooted in our childhood that ultimately shape our financial health. They go on to discuss the mindset around saving, the practice of exquisite listening, and the advantage of curiosity over judgment when it comes to your relationship with money. Learn more about your ad choices. Visit megaphone.fm/adchoices

Dr. Ted Klontz Ph.D | Associate Professor | Researcher | Author | Speaker Intro: In this episode, we have a conversation with Dr. Ted Klontz, who is often referred to as "The People Whisperer". He is an associate professor of Practice and Financial Psychology at Creighton University, a professional consultant for major entertainment management groups, an international speaker, a published researcher and author who has contributed to 6 books, and the Director of the Financial Psychology Institute®. Why You Should Listen: This episode is a must-listen for anyone who wants to understand the power of listening and how it can help us change our money story. Dr. Klontz discusses the importance of embracing the discomforts that present themselves around money instead of fleeing or avoiding the discomfort. He shares how listening is the most important part of helping people change and how experiences, and not telling, are the most effective ways to make meaningful change. Dr. Klontz provides practical insights and tools that can help listeners understand and change their money story. He emphasizes that if we learn to listen to our own truth, the money will take care of itself. Dr. Klontz also suggests music is one of the most powerful ways to communicate with our authentic selves. When we hear the words being sung back to us, it's like no other feeling to be heard. It's a way people can feel heard. Highlights: - The power of first money memories and how they shape our beliefs about money - The importance of understanding our financial flashpoints - Embracing discomfort around money and learning from it - The importance of listening and how it can help us change our money story - How to take off the armour we have built up around our money story - Why engage with experiences over "being told" what do to is most effective at changing money beliefs - Dr. Klontz explains how the authentic part of us speaks in metaphors and analogies, pictures; it is a sensory voice, and music excites more areas of the brain than anything else Quotes: “If you can learn to honour your own truth, the money will take care of itself” Dr. Ted Klontz “Every kind of tear has a message” Dr. Ted Klontz "Telling is not teaching" Dr. Ted Klonz “We run out of life before we realize it's not about the money” Dr. Ted Klontz Links:- Dr. Ted Klontz's website: CLICK HERE - John Fox's poem "When Someone Deeply Listens to You" CLICK HERE

Het geldgedrag van je ouders zie je terug in je eigen keuzes rondom geld. Juist bij een scheiding komen die 'scripts' of overtuigingen extra hard(nekking) naar de oppervlakte. Anneke en Anne Abbenes van het Financial Psychology Institute vertellen over hun eigen ervaringen rondom gezinnen en scheidingen, over onderzoek naar geldscripts en Carly ... tja, die stelt de vragen. ---- Gezinsvriendelijk Scheiden is per 1 juli 2023 overgedragen aan advocaat en mediator Yvette Seen, die ook de mailbox info@gezinsvriendelijkscheiden.nl beheert. Je kunt op dit e-mailadres ook nog steeds je vragen aan Anneke stellen.

We've all heard the dismal statistics. Most people who set New Year's resolutions abandon them by February. What gives? Why is it so hard to follow through on our goals? And most important: What can we do to succeed? Let's find out. In this week's podcast, host Stacy Johnson is joined by financial journalist Miranda Marquit. Listening in and sometimes contributing is producer Aaron Freeman. This week's special guest is Dr. Brad Klontz, psychologist, professor and Managing Principal of Your Mental Wealth. Brad's is going to help us understand why we sometimes get in our own way when it comes to money and building financial health. Remember, even though we sometimes talk about money and specific investments on this show, don't take them as recommendations. Before investing in anything or making any other money moves, do your own research and make your own decisions. You can watch this episode below, or if you'd prefer to listen, you can do that with the player at the top of this article or download the episode wherever you get your podcasts: Listen on Apple Podcasts Listen on Google Podcasts Listen on Spotify Don't forget to check out our podcast page for more episodes designed to help you make the most of your money and our YouTube page for more videos. Also, don't forget to check out our podcast sponsor, Tellus for the opportunity to supercharge your savings with an account backed by real estate. Use the code MONEYTALK and get 6.00% APY for 7 Days with a $125 minimum deposit. Understanding your mental wealth and money scripts One of the things Dr. Brad talks about on his website is "money scripts." We cover some of the realities surrounding why it's so difficult for us to set realistic money goals and then accomplish them. Listen to the episode to learn how to beat your evolutionary programming and become better with your money. In the meantime, here are some resources about money mistakes—and how to avoid them. 10 Embarrassing Mistakes Almost Everyone Makes 15 Mistakes People Make With Roth IRAs 10 Dumb Mistakes Nearly Everyone Over 40 Makes 9 Costly Mistakes to Avoid While Grocery Shopping The 3 Mistakes Nearly Every Investor Makes 5 Costly Mistakes People Make When Paying Bills 5 Big Financial Regrets That Haunt Older Americans 6 Things You're Wasting Your Money On– and How to Stop 5 Medicare Mistakes to Avoid for a Healthy Retirement 7 Mistakes Guaranteed to Ruin Your Retirement 6 Estate Planning Mistakes to Avoid 9 Common and Costly Tax Mistakes How to make the most of your money You don't have to set resolutions to succeed with your money. Instead, it's about figuring out what matters to you and then building a plan around that. If you're interested, Miranda has a post about how she still has a purpose for her money without setting financial new year's resolutions. Here are some other resources to learn about financial planning, setting money goals and building your wealth. 15 Money Moves for a Richer New Year Your Top 6 Money Moves for 2023 9 Tips to Tackle Your Financial Goals and Still Have Fun 5 Critical Money Moves to Make Before Your 40s Are Over The 17 Best Retirement Investments to Achieve Your Financial Goals Set Financial Goals: It's the Secret to a Prosperous and Secure Future How to Set Retirement Goals by Age How to Set Smart Goals for Your Investments 6 Competing Retirement Investing Goals and How to Balance Them 10 Tips to Help You Keep Your New Year's Resolutions 15 Products That Will Help You Keep New Year's Resolutions 4 Reasons People Stuck to Their Money Resolutions in 2022 Meet this week's guest, Dr. Brad Klontz Bradley T. Klontz, Psy.D., CFP® is an expert in financial psychology, financial planning, and applied behavioral finance.  He's an Associate Professor of Practice at Creighton University Heider College of Business, Co-Founder of the Financial Psychology Institute, and Managing Principal of YYMW Advisors. Dr. Brad is co-author/co-editor of 8 books on the psychology of money, and is a Fellow of the American Psychological Association, and a Former President of the Hawaii Psychological Association. He was awarded the Innovative Practice Presidential Citation from the American Psychological Association for his application of psychological interventions to help people with money and wealth issues and his innovative practice in financial psychology for practitioners across the country. Website Twitter Facebook Instagram LinkedIn YouTube TikTok Don't listen to podcasts? A podcast is basically a radio show you can listen to anywhere and anytime, either by downloading it to your smartphone, or by listening online. They're awesome for learning stuff and being entertained when you're in the car, doing chores, jogging or riding your bicycle. You can listen to our latest podcasts here or download them to your phone from any number of places, including Apple, Spotify, RadioPublic, Stitcher and RSS. If you haven't listened to our podcast yet, give it a try, then subscribe. You'll be glad you did! About the hosts Stacy Johnson founded Money Talks News in 1991. He's a CPA, and he has also earned licenses in stocks, commodities, options principal, mutual funds, life insurance, securities supervisor and real estate. Miranda Marquit, MBA, is a financial expert, writer and speaker. She's been covering personal finance and investing topics for almost 20 years. When not writing and podcasting, she enjoys travel, reading and the outdoors.Become a member: https://www.moneytalksnews.com/members/See omnystudio.com/listener for privacy information.

Today on Bridging The Gap, Lindsey Larrabee, Consultant at Templar Advisors, a financial psychology and behavioral sciences lead, and a Certified Financial Behavior Specialist®, joins us to discuss behavioral psychology.  Lindsey and I dig into the definition of money scripts, four primary money scripts, and she even helps me discover my personal money script!  We address how advisors can work to understand client suspicions during trying times, as well as tools that can help our clients move forward. We also discuss our clients' psychology today and the impact of their financial decisions.  Guest Bio: Lindsey Larrabee joined Templar Advisors in 2019 as a consultant based in Denver. She brings a research-led, yet highly practical communications coaching angle based on her specialized expertise as a Certified Financial Behavior Specialist® (FBS), and direct experience of building and managing client relationships across all channels since 2007. Most recently, Lindsey spent four years in business development at BNY Mellon in their Wealth Solutions Group, working as an investment consultant across all UHNW client channels. Prior to this, she spent eight years at OppenheimerFunds in various roles, including investment sales, and assisting the build-out of the Private Bank, Bank Trust, & Family Office team, covering clients across the entire US region. She takes an innovative approach to both client development and the client experience in financial services. Lindsey completed her undergraduate education between Colorado State University and La Universidad Latinoamericana de Ciencia y Tecnología (ULACIT), in San José, Costa Rica. She has since graduated with both her MBA & MSc. in International Business (MSIB) with an emphasis in Negotiation at the University of Colorado, Denver. Most recently she has gone on to earn her Master's Certificate degree in Financial Psychology & Behavioral Finance at Creighton University. Lindsey also holds the Certified Private Wealth Advisor® (CPWA) designation, is a DiSC® Certified Human Workplace Behavior Consultant, and is an extensively trained Certified Consultant of Highlands Ability Battery assessment for career exploration and alignment. She is an Executive Circle member of the Financial Psychology Institute, a published, peer-reviewed research paper author in the Journal of Financial Planning and is a regular keynote speaker at accredited industry events, including Investment & Wealth Institute's Behavioral Advisor Forum. Her languages include both English & conversational Spanish. Follow Us And Find More Content For Financial Advisors and Wealth Management Firms At: https://my.captivate.fm/www.mattreiner.com (www.mattreiner.com) https://www.youtube.com/channel/UCrca3m7ryDjzNrGs0rDzZFQ (YouTube) https://twitter.com/mattreiner (Twitter) https://www.linkedin.com/company/bridging-the-gap-mattreiner/ (LinkedIn)

Dr. Brad Klontz joins the show to discuss misinformation around money and mental health, the near impossibility of successful day trading, cryptocurrency, how the wealthy approach investing, harmful money advice on social media, the best way to motivate people to save, and more!Audio outro: The Black Keys, “For the Love of Money”Intro music by David von KampenLinks:Dr. Brad Klontz websiteMoney Mindset YouTube channelDr. Klontz on TikTokMoney Mammoth bookMind Over Money bookResearch articlesFind your Money ScriptMoney and the Mind Ep40 with Dr. KlontzBio from Dr. Klontz's website (lightly edited):Bradley T. Klontz, Psy.D., CFP is a Co-Founder of the Financial Psychology Institute and an Associate Professor of Practice in Financial Psychology at Creighton University Heider College of Business. He is a Managing Principal of Your Mental Wealth Advisors, a Fellow of the American Psychological Association, and a Former President of the Hawaii Psychological Association. He has partnered with organizations including Capital One, JP Morgan Chase, Mutual of Omaha, and H&R Block in efforts to help raise public awareness around issues related to financial health and financial psychology. Dr. Klontz was awarded the Innovative Practice Presidential Citation from the American Psychological Association for his application of psychological interventions to help people with money and wealth issues and his innovative practice in financial psychology for practitioners across the country.Dr. Klontz has been a columnist for the Journal of Financial Planning, On Wall Street, and PsychologyToday.com, and has co-authored/co-edited six books on the psychology of money.His work has been featured on ABC News' 20/20, Good Morning America, USA Today, The Wall Street Journal, New York Times, Washington Post, Los Angeles Times, Time, Kiplinger's, Money Magazine, NPR, and many others.

Dr. Bradley T. Klontz, Psy.D., CFP® is an expert in financial psychology, financial planning, and applied behavioral finance.  He's an Associate Professor of Practice at Creighton University Heider College of Business, Co-Founder of the Financial Psychology Institute, and Managing Principal of Your Mental Wealth Advisors.  In this episode, Dr. Brad shares the money culture he grew up in and how this has motivated him to be rich and eventually study how rich people live. He also talks about how our money issues are generational and how this affects our money scripts. Lastly, we also dove deep into the gender disparity in money and the impact of raising boys and girls differently around money. This was a really fun and interesting discussion, so I hope you enjoy this as much as I did!  [00:01 - 08:51] Opening Segment I welcome everyone to the show I introduce our guest, Dr. Brad Klontz Dr. Brad shares about his money culture  Grew up in a low income household  Being conscious and aware of not having enough money Teaching The psychology of money  Helping people with money mental blocks  [08:52 - 35:58] Learning About Your Money Scripts  Developing a treatment program for people with money issues Money issues being generational Being aware of your money scripts  Shoutout to my podcast producers: Streamlined Podcasts GET A DISCOUNT on your first month with Streamlined Podcasts by using this link! Using social media as a platform to educate about money  Researching the psychology of wealthy people  Learning that rich people are savers  Having a mindset of always buying things won't make you wealthy  Learning the psychology of being a multimillionaire  The gender disparity in money  We must stop raising boy and girls differently around money  Financial health and empowerment of women is a family issue  Women who make more money than their male partners, they report lower relationship satisfaction Money tied to gender as it comes to masculinity is so different   [35:58 - 31:51] Closing Segment Start looking at your financial reality  Connect with Dr. Brad through the links below  Final Words  Tweetable Quote:  “The craziest money behavior makes perfect sense when you can identify the money scripts and where they came from.”  - Dr. Brad Klontz  Take the money quiz at www.moneyscripts.com    Connect with Dr. Brad on Facebook, Twitter, LinkedIn, and Instagram. You can also check out your videos on YouTube! You can connect with me on LinkedIn, Twitter, Instagram, YouTube, and Facebook. I'm excited to hear more about you. I'm excited to know more about you. Also, feel free to shoot me an email at jennifer@micro-empires.com. You can call or text 213-973-7206 TELL US WHAT YOU THINK! LEAVE A REVIEW + help someone who wants to explode their business growth by sharing this episode or click here to listen to our previous episodes.   This podcast is about YOU.  We all have a story, whether your story is a lot like mine or totally different. Maybe you have a good job, but you know in your heart that you want more.  Let's Work Together   Are you ready to begin INVESTING in your future but you don't know where to start? Need more CONNECTIONS in the investing community? Sign up at https://micro-empires.com/investing-opportunities/ for investing opportunities!   I have created a NEW eBook called "You Don't Have to be Wealthy to Build Wealth" Click https://micro-empires.com/how-to-build-wealth/ for a FREE copy!

Dr. Bradley T. Klontz, Psy.D., CFP® is an expert in financial psychology, financial planning, and applied behavioral finance.  He's an Associate Professor of Practice at Creighton University Heider College of Business, Co-Founder of the Financial Psychology Institute, and Managing Principal of Your Mental Wealth Advisors.  In this episode, Dr. Brad shares the money culture he grew up in and how this has motivated him to be rich and eventually study how rich people live. He also talks about how our money issues are generational and how this affects our money scripts. Lastly, we also dove deep into the gender disparity in money and the impact of raising boys and girls differently around money. This was a really fun and interesting discussion, so I hope you enjoy this as much as I did!  [00:01 - 08:51] Opening Segment I welcome everyone to the show I introduce our guest, Dr. Brad Klontz Dr. Brad shares about his money culture  Grew up in a low income household  Being conscious and aware of not having enough money Teaching The psychology of money  Helping people with money mental blocks  [08:52 - 35:58] Learning About Your Money Scripts  Developing a treatment program for people with money issues Money issues being generational Being aware of your money scripts  Shoutout to my podcast producers: Streamlined Podcasts GET A DISCOUNT on your first month with Streamlined Podcasts by using this link! Using social media as a platform to educate about money  Researching the psychology of wealthy people  Learning that rich people are savers  Having a mindset of always buying things won't make you wealthy  Learning the psychology of being a multimillionaire  The gender disparity in money  We must stop raising boy and girls differently around money  Financial health and empowerment of women is a family issue  Women who make more money than their male partners, they report lower relationship satisfaction Money tied to gender as it comes to masculinity is so different   [35:58 - 31:51] Closing Segment Start looking at your financial reality  Connect with Dr. Brad through the links below  Final Words  Tweetable Quote:  “The craziest money behavior makes perfect sense when you can identify the money scripts and where they came from.”  - Dr. Brad Klontz  Take the money quiz at www.moneyscripts.com    Connect with Dr. Brad on Facebook, Twitter, LinkedIn, and Instagram. You can also check out your videos on YouTube! You can connect with me on LinkedIn, Twitter, Instagram, YouTube, and Facebook. I'm excited to hear more about you. I'm excited to know more about you. Also, feel free to shoot me an email at jennifer@micro-empires.com. You can call or text 213-973-7206 TELL US WHAT YOU THINK! LEAVE A REVIEW + help someone who wants to explode their business growth by sharing this episode or click here to listen to our previous episodes.   This podcast is about YOU.  We all have a story, whether your story is a lot like mine or totally different. Maybe you have a good job, but you know in your heart that you want more.  Let's Work Together   Are you ready to begin INVESTING in your future but you don't know where to start? Need more CONNECTIONS in the investing community? Sign up at https://micro-empires.com/investing-opportunities/ for investing opportunities!   I have created a NEW eBook called "You Don't Have to be Wealthy to Build Wealth" Click https://micro-empires.com/how-to-build-wealth/ for a FREE copy! The post Your "Mental Wealth" with financial psychology expert, Dr Brad Klontz appeared first on Micro Empires.

Today's guest is Dr. Brad Klontz Co-Founder of the Financial Psychology Institute. He's also an Associate Professor of Practice at Creighton University Heider College of Business, and he's a Managing Principal of Your Mental Wealth Advisors. Dr. Klontz was awarded the Innovative Practice Presidential Citation from the APA for his work in helping people with money and wealth issues. Dr. Brad Klontz has been a columnist for the Journal of Financial Planning, On Wall Street, and PsychologyToday.com.  In addition, he has co-authored and co-edited five books on the psychology of money. His work has been featured on ABC News' 20/20, Good Morning America, and in USA Today, The Wall Street Journal, New York Times, to name a few. The psychology of money is something that is fascinating to me and to have the opportunity to have a conversation with Dr Klontz and share it with you, makes it even better. So be sure to listen in, because I'm sure you'll hear some interesting things about money, wealth, and psychology and how they all come together. You will want to hear this episode if you are interested in... Dr. Brad Klontz's path to the Financial Psychology Institute [2:45] What is a financial psychologist? [5:33] When or how do our ideas surrounding money develop? [6:04] How much does mindset have to do with poor mental wealth? [8:42] Do you have a money disorder? [12:56] Why is money so complicated? [15:52] What can investors do to achieve a better relationship with money? [18:29] Are social posts (by unqualified people) affecting the psychology of investors? [20:57] How chatter on Reddit and other social media affects investor psychology? [24:56] What Brad did today that put him in the right mindset for success? [31:20] Connect with Dr. Brad Klontz The website On Instagram On Twitter On Facebook On YouTube On Linkedin Guests on the Mitlin Money Mindset Show are not affiliated with CWM, LLC, and opinions expressed herein may not be representative of CWM, LLC. CWM, LLC is not responsible for the guest's content linked on this site. Connect With Mitlin Financial podcast(at)MitlinFinancial.com - email us with your suggestions for topics or guests https://mitlinfinancial.com  Follow on Twitter Follow on Instagram Subscribe on Youtube Follow on Linkedin Follow on Facebook   Subscribe to Mitlin Money Mindset™ on Apple Podcasts, Spotify, Google Podcasts

Why is it impolite to talk about money? Why are many of us uncomfortable with our own money habits? And how do we change things? Featuring Ted Klontz, Ph.D., director of the Financial Psychology Institute and associate professor of Practice and Financial Psychology at Creighton University.   See citations for this episode: https://www.tabooscience.show/s2e6-money/   Follow Taboo Science: https://twitter.com/tabooscience https://www.instagram.com/tabooscience/ Visit tabooscience.show for more. Taboo Science is written and produced by Ashley Hamer. Theme music by Danny Lopatka of DLC Music.

Hey everybody... it's Pete. Raise your hand if you've never had any challenges with money. Look around. See that? You're all alone. OK, all gimmicks aside, it's money week and that's scary. Jobs won and lost. Health care, insurance, education. Bills coming due. Major, unexpected expenses. It's no understatement to say that how we relate to money defines how we relate to the world around us. Ted Klontz is back on the show with us this week. Last time he came around he was talking about readiness for change. What we didn't cover in that conversation is a non-trivial part of his career: financial behavior. And he doesn't do it alone. Brad Klontz, Ted's son, is a founder of the Financial Psychology Institute and an associate professor in Financial Psychology at Creighton University. He's spent much of his professional career helping people with money and wealth issues and together with his father has written books such as Wired for Wealth, and Mind over Money. Their latest, Money Mammoth, dives deep into the psychological barriers that stand between us and our financial success. Talking about money out loud is terrifying for a lot of us. Together, Brad and Ted help us to approach this subject with a little less trepidation thanks to the knowledge that we're not doing it alone — many of us feel this way, and many of us are looking for change. We hope you find a dose of that change today in their conversation with Dodge Rea. Links & Notes Money Mammoth: Harness The Power of Financial Psychology to Evolve Your Money Mindset, Avoid Extinction, and Crush Your Financial Goals Wired for Wealth: Change the Money Mindsets that Keep You Trapped and Unleash your Wealth Potential Mind over Money: Overcoming the Money Disorders That Threaten our Financial Health Financial Psychology Institute

Dr. Brad Klontz joins the show to discuss early money memories, how we’re wired to make poor financial decisions (and why that’s empowering), what separates the wealthy from the ultra-wealthy, teaching young people, the usefulness of understanding Money Scripts and financial flashpoints, money avoidance, workaholism, a simple tactic for saving, and more!Links:Dr. Brad Klontz websiteMoney Mindset YouTube channelDr. Klontz on TikTokDr. Klontz’s new Money Mammoth bookMind Over Money bookResearch articlesFinancial Health AcademyFind your Money ScriptSprinter vansFinancial Flashpoints episodeMoney Scripts episodeSend us an email! moneyandthemind@gmail.comBio from Dr. Klontz’s website (lightly edited):Bradley T. Klontz, Psy.D., CFP is a Co-Founder of the Financial Psychology Institute and an Associate Professor of Practice in Financial Psychology at Creighton University Heider College of Business. He is a Managing Principal of Your Mental Wealth Advisors, a Fellow of the American Psychological Association, and a Former President of the Hawaii Psychological Association. He has partnered with organizations including Capital One, JP Morgan Chase, Mutual of Omaha, and H&R Block in efforts to help raise public awareness around issues related to financial health and financial psychology. Dr. Klontz was awarded the Innovative Practice Presidential Citation from the American Psychological Association for his application of psychological interventions to help people with money and wealth issues and his innovative practice in financial psychology for practitioners across the country.Dr. Klontz has been a columnist for the Journal of Financial Planning, On Wall Street, and PsychologyToday.com, and has co-authored/co-edited six books on the psychology of money.His work has been featured on ABC News’ 20/20, Good Morning America, USA Today, The Wall Street Journal, New York Times, Washington Post, Los Angeles Times, Time, Kiplinger’s, Money Magazine, NPR, and many others.

How do finances affect your mental health? What can you do about it? In this episode, financial psychologist Brad Klontz shares strategies on how to recognize your money script behavior and better understand shame, depression, values, and stressors around money that may keep us from reaching our financial goals.Brad Klontz  is a Founder of the Financial Psychology Institute® and a Managing Principal of Your Mental  Wealth® Advisors. He was awarded the Innovative Practice Presidential Citation from the American Psychological Association for his application of psychological interventions to help people with money and wealth issues.His work has been featured on ABC News' 20/20, Good Morning America, and in USA Today, The Wall Street Journal, New York Times, Washington Post, Los Angeles Times, Time, Kiplinger's, Money Magazine, NPR and many other media outlets and professional magazines and journals.

Show Notes  In today’s conversation we have Dr. Brad Klontz. Brad helps people master the psychology of wealth and live a life of abundance. He’s also managing principal at Your Mental Wealth Advisors™, Co-Founder of the Financial Psychology Institute™, and Associate Professor of Practice at Creighton University Heider College of Business. Dr. Klontz is also an author of 5 books on financial psychology, including Mind Over Money, Facilitating Financial Health, and Financial Therapy and most recently "Money Mammoth: Unlocking The Secrets Of Financial Psychology To Break From The Herd And Avoid Extinction".     Today we cover money, psychology and marketing.  More specifically, how social selling and the digital marketing landscape has evolved since Dr. Brad entered the business. We will also dive into a relatively new social media platform--TikTok.  Dr. Brad will share some of the tools for crushing content on the platform along with the advantages/disadvantages, and finally a posting strategy that you can use.   Show Highlights    How Dr. Brad turned 2020 into a “win-win” situation. (2:25) Dr. Brad talks about the evolution of marketing and why some businesses hesitate with getting into social media. (9:16) Why your comfort level can cause you to miss out on opportunities that platforms like TikTok bring and the key to selling online. (11:29) Dr. Brad’s perspective on TikTok as a social media platform. (12:41) Why TikTok has an extremely “low bar” for content creators. (13:39) Dr. Brad shares his number one tip on starting a TikTok account and how to be successful. (16:07) Dr. Brad shares his posting strategies and how he got to 260,000 followers (26:56)   Resources: Read the blog. If you'd like to connect with Dr. Brad, click here.  Check out Dr. Brad’s latest book by clicking here. Are you a current or aspiring financial professional?  Click here to receive tools that will help you become a next-generation financial professional! Watch a video clip of this episode on our YouTube channel by clicking here. To receive a newsletter digest of Jumpstart community happenings, click here.   Subscribe to the podcast by clicking here. Want to connect with me? Join my exclusive “tribe” by clicking here. Thanks again for listening, reading, and watching!     00:00:00 Dominique Welcome to conversations for financial professionals, a podcast to help. Shape the next generation of financial advice. I am your host, Dominique Henderson, and today's conversation is with Dr. Brad Klontz. Dr. Brad  and I met each other in 20, early 2020. I invited him on the podcast to talk about behavioral finance, because that is his expertise. But as of late, Dr. Brad has been spending a ton of time on developing his social media strategy specifically on TikTok. Today, the conversation is all about how to use TikTok to market your financial services. Dr. Brad  and I talk about the missed opportunity that financial professionals are possibly losing out on when it comes to social media and specifically this platform. We talk about why we talk about some strategies from a macro and a micro standpoint about how you can actually start putting content out there and what it's all about. Are you mission focused? Who are you trying to reach? And do you have a strategy for doing that? This promises to be one of those conversations that you are going to walk away with a greater understanding on exactly what you can be doing to use TikTok  to market your financial services practice. So let's go to the conversation. 00:01:25 Dominique  Welcome to another episode of the conversations for financial professionals podcast, where we are shaping the next generation   00:01:35 Dominique Of  financial advice today, we have Dr. Brad Klontz. You help people master the psychology of wealth and live a life of abundance. I got that right from your LinkedIn via, in addition to that, you're a managing principal at your mental wealth advisors, co-founder of the financial psychology Institute and associate professor of practice at Creighton university Heider college of business. Woo hoo. I am afraid and alum, you're also the author of five books on financial psychology, including mind over money, facilitating financial health and financial therapy. Most recently money mammoth unlocking the secrets of financial psychology to break from the herd and avoid extinction. The reason that largely you're here, my friend is because I know of all this stuff through your TikTok  account, because you are such a TikTok  savant. Welcome to the podcast.   00:02:28 Brad Thank you. It's I, I love chatting with you, so I'm very happy to be here. Yeah,   00:02:32 Dominique Man, we share a lot of similar interests, a lot of common folk that we know together. Matter of fact, I was just talking to a mutual friend, Sandra Davis. And so yeah, this is really cool. Let me ask you this. How have you been like, we're in a new year? 20 Delta is a hand that most of us would not have expected. Do you have any specific takeaways?   00:02:45 Brad Yeah, I like, I'm just fascinated with, first of all, it's terrible, it's been awful. Like let's just all admit it. Right. And, but what I have this little mantra that I, that on good days, I say to myself, which is where's the opportunity. This is something that I'm constantly feeding into my own mind, so that I can be aware of where the opportunities are. So, with that awareness, I ran across a bunch of opportunities in 2020, and I actually had a fabulous year creating content, exploring some other business models, creating some couple courses. I mean, I've just been throwing myself into, this is the reality we have. So where's the opportunity within this reality?   00:03:41 Dominique No, I think that's wonderful. I, I don't know if this is a Chinese proverb, but it's like the same symbol for chaos is the same symbol for opportunity. It's like where there's chaos, there's also opportunity. Which I think is a good segue too, because what I want to talk about today, we know that you can go with the best of them on the financial therapy and the behavioral finance front. We'll link to that previous episode that we talked about before, in judging risk tolerance. I'm pretty sure we'll overlap some subjects with that, but I really want to talk about, how to market financial services, and what maybe financial professionals can be thinking about using some of these platforms, specifically a platform such as TikTok, which, I don't know if people know this term, but about organic reach is incredible, for this platform. I want you to kind of dive into that and I think the way I want to kind of set that up though, is how do you believe did take me through the evolution first? How do you think marketing has changed from like winning you and I got in the business versus now, like kind of opine on that for .   00:04:44 Brad Yeah. I mean, I, I'm not, I wouldn't consider myself an expert in marketing, although I probably am from, outside perspectives, but I feel like there's been a big hesitation to get into social media from the compliance side of the business. We're always slow on that side. Because when you talk to your compliance office about doing anything, you say, Hey, I, can we talk about, and then they say no, because that's how they get paid and that's how they stay alive. That's, they're much happier if you do nothing.   00:05:16 Dominique Can I say something parenthetically though? okay. I do agree with that notion largely I think let's call it Tim cases or seven or six, or maybe even more than that eight out of 10 cases are like that. Would you also say that compliance officers, in a, let's say you're managing a thousand or 1500 or 10,000, registered reps. You also have to manage to the lowest common denominator too. Right? So you have to say no, almost right, because you got Joe knucklehead over there, that's going to be doing something. Whereas you got all these other people that would be following the rules, but then you've got the Joe knuckleheads.   00:05:51 Brad No, it's absolutely true. Unless you're making it crystal clear, you're not going to have any recourse in terms of saying, Hey, didn't, you weren't supposed to do that. So, it's nothing but love and good vibes for your compliance officer, but just understand their job is to keep your business around, and to make sure that you're doing right by society and taking care of people. And so that's their mindset.   00:06:13 Dominique No, I would agree. They, they got that the mentality of the can't sink, the battleship, it only takes one person, to be, somewhere on the SCCs radar or the state, it's securities advisor and that one headline tanks, the whole ship. So I get it.   00:06:29 Brad It does, it does seem to be like a shift though, where more and more people are on social media. I mean, that's what LinkedIn is, by the way. Like, if you've ever put a post on LinkedIn, it's the equivalent of doing anything on TikTok or Instagram or any place else, frankly. I mean, you're putting yourself out there. It's these, it's essentially a website, an app. I think it's hard to find advisers right now who aren't involved in social media.   00:06:53 Dominique No, I, I think you are right in that. I think one of the things that I've always admonished or strongly encouraged, the advisors that I work with too, is making it personal. There's nothing wrong with crossing the lines. I think maybe you can, of kind of speak to this, those maybe what advisors probably perceive or financial professionals as a whole perceive as a gray area, right. Where I don't want to talk too much about my personal or I don't know how that may fill into fit into the narrative of what I'm, whatever I'm trying to, offer from a financial services standpoint. Do, do you think there's a gray area or do you like, this is all me, this is all Dominique, this is all Dominic. Like, how do you view that?   00:07:37 Brad I look at it, like if I have a client in the office, who's just walked in more of a traditional introduction. I might not just lay out my entire life story like that I don't think they really want to hear that, but I think in terms of social media, I think the more that you can talk about yourself and be yourself, the more likely you are to attract clients who are exactly the ones you want. I feel like social media does throw yourself out there in a broader context in the world. I think it's actually to your advantage, frankly, to talk about some of your interests and, more personal information about yourself, do you have kids? Do you like tennis? I mean, what is it you're into because people will, they're looking for ways to connect. Like how do you stand out from every other advisor? And some of that personal information can be really great in terms of attracting people who frankly, you probably want to work with anyway.   00:08:27 Dominique No, I love that. I love that. You're saying that because I think what advisors and financial professionals may think about, they may think about the cell first versus the connection first, because there is no cell without the connection. So I'm glad you said that. I think the opportunity that is potentially lost, if you don't wait out onto the dance floor of social media, is that, people don't get to know the non-suited up button up person that is behind all of us. Right. There is a, whether we actually physically wear a suit and tie or not, there is a more conservative side to what we do. That's what I think consumers view us as, but when we show, spending time with our significant others or whatever that may be, that does offer another perspective into who you are. That's what clients like you said are connected to.   00:09:16 Dominique So I love that.   00:09:16 Brad No, that's great. If you feel weird about selling on social media, if this gives you a bad feeling inside, I just want you to honor that feeling because it's a terrible idea to sell on social media, by the way, I mean, it's just the absolute wrong thing to do. Because people really get turned off on it really fast, but social media, the opportunity there is for you to sell yourself and to provide content that's helpful, that's useful. That's engaging. What you want to have is people think of you when they think of that problem, eventually that they run into in their financial life. They think of you as somebody that they know they trust. I mean, there's this weird psychological phenomenon where we feel an intimate connection with people on social media. It's something really to be curious about and this step back and think about this.   00:10:01 Brad Like, if I've watched 20 videos of yours, I'm going to feel a special connection to you. It's, it's the K person brain. It's like, if I'm staring somebody directly in the face and listening to them, my brain says, this is somebody, and trust because our brains have not evolved to the point of social media where we realized actually this person doesn't know you at all. What's so fascinating. It creeps into your subconscious that there's this connection. And it happens. It happens to all of us on social media, and there is the opportunity for you to feel a connection and have other people feel connected to you and feel a sense of trust and connection.   00:10:33 Dominique Let's double click on that for a second. Cause I want to park right there. I think you bring up a lot of good points and I'm loving the fact that you're bringing the behavioral science part of how humans just interact. I think this may be lost on some financial professionals. That's why I want to dig in because the more video content you create, whether yours there's one like, or no likes or 1500 likes, you're still building that connection because people are seeing you more. They're they're getting to know like, and trust you like Ziglar says, so I wonder to your point earlier, or maybe not, is it a sell so much if you are just connecting with them, right? Like, what is your opinion about this whole notion around selling? Cause I know some people feel a funny way about that word. What, what would be your thoughts about it in the context of making that consistent content and connecting with people? It seems like the cell has patterns naturally.   00:11:29 Dominique That's my opinion.   00:11:29 Brad Yeah. That's my opinion also. I think direct sales and sales on social media always feel bad. Like they do. Like if you want to give away content that's actually the culture of social media is giving away content, giving away information. I think that you got to think about what is it you're selling. And in my opinion, you're selling yourself. You're selling yourself as the expert, as this incredibly helpful person. If people don't have to look really far, all they have to do is click on your profile to find your website and see exactly what you do. It's not like you're hiding that in any way, but you want people to be attracted to you based on this incredible value you're giving to the world. They're going to find you if they want your service. Absolutely. I agree. I agree. So let's pivot here because,   00:12:13 Dominique People listening to this at this point are probably like, okay, so like what is TikTok as opposed to Instagram or Facebook or any of the things that I'm let's call it, I'm more, they're more normalized or are they more familiar with kind of give us a, a macro breakdown of like really what TikTok is as an information platform or social platform, before we kind of dive into the weeds of maybe strategy.   00:12:41 Brad Yeah. I just see TikTok  is just the next big social media app. I don't see it as a whole lot different from Facebook, from Instagram, from Myspace, do you still have a MySpace account, but you take it as back it's just the next thing now what's interesting. It has its own culture, which is really fascinating. You have to approach each one of these social media apps and websites as a culture. Like you really have to understand the culture. It's a totally different culture. All of them are by the way, but what TikTok  does it's you gotta think short form video. This is punchy stuff. It's 10 seconds, 15 seconds. You can go as long as 60 seconds. I think the average one that really hits is around 10, 15 seconds long. And, it has a lot of incredible in-app editing tools. The thing I love about Tik TOK is that the bar is so incredibly low on production value that there's like literally no excuse.   00:13:39 Brad What's so fascinating about the entire platform is highly produced. Content is sort of shown there. What people want is they want to see you in your living room. I'll be honest. They want to see you in your bathroom. There's a line, there's a lot of content that has been created where people are standing in their bathroom in front of the mirror. Essentially they're looking at their phones, staring at the mirror, looking back at themselves. It's unbelievable. People have created millions of viewers based on that, but that shows you the intimacy people want to see you in your natural setting. They don't want to see a studio. They don't want to see a bunch of production.   00:14:13 Dominique Let's pause right here, because I've worked with, I don't know, I've probably consulted hundreds of advisors and we talk about a term. You just use production value, right? Because there is a certain Polish that let's say a video on your website, talking about your financial services and how much AUM you manage will be different from the content that you put on TikTok . What I've always told advisors though, is before come up with an idea about what needs to go on your website and you hire a crew and you blah, and do all that kind of stuff. Wouldn't it be nice to kind of know if that idea is going to even fly by testing it out on social media. You only need a phone to do that. Like, do you agree with that? Like, cause I think these platforms have a really great testing mechanism, like a trying mechanism when you kind of think about maybe refining some type of precious metal and all the draws burn off, like your message can get a lot better if you hone it by social proof.   00:15:13 Dominique Like, do people even resonate with one idea that you have thrown out on TikTok  or one of these other platforms before you do a whole lot of production value with your website? Would you agree with that?   00:15:22 Brad I think that's brilliant. I absolutely agree with it because the great thing about TikTok  and some of the other social media platforms is you're going to get feedback almost immediately on whether or not this is resonating with people because the algorithm doesn't lie.   00:15:37 Dominique Explain that, unpack that because all these platforms have their own algorithm, right? So just for kicks and grins, so YouTube, which I've kind of made my home on is it's all about video views and it's watch time and everything else, desert it's pales in comparison, comments likes all that kind of stuff. That's great. But video views watch times. That's the biggest thing. Long form content is a better idea, especially if you're giving really helpful stuff. Whereas it sounds like it's the opposite on TikTok.   00:16:07 Brad The opposite on TikTok , the same metrics apply though. It's all about watch time and it's all about views. It, but essentially the attention span is so much lower there because of that one minute, barrier. So it's gotta be punchy. It's gotta be short. I mean, it's really been an exercise for me on how to deliver like, viral content because it's not going to go anywhere unless you grab somebody in the first one to three seconds. I feel like on YouTube, you have more like you have 15 to 20 seconds to grab somebody. Right? And so I think it's a very different and I feel so much more pressure putting out a YouTube video when it comes to production content too. Like it takes me for a four minute video on YouTube. I'm going to say five hours to write it, to edit it, to, put it in B roll, whatever I'm going to do there.   00:16:56 Brad What's so fascinating about TikTok  is I'll make six videos a day in an hour.   00:17:03 Dominique Because you're just really just shooting on your phone and it's just, stream of consciousness type of stuff.   00:17:09 Brad You're shooting on your phone. It's incredible. And there's, that's what I love. I love the low barrier. It just takes away all of your excuses. Like just write down all of your excuses right now about why you're not producing content and they're all erased when it comes to TikTok. Nope, you actually don't have to do your hair. You don't even need to leave your bathroom and all you need is your phone. So get on it.   00:17:30 Dominique No, I love that. I love that. That kind of dovetails into maybe why you chose that platform to kind of, really build, a following there. I think one of the key things here is, as an, as a financial professional, there's a lot of things that we do afraid we take tests, afraid we, get licenses, and are afraid. We talk with clients. This just seems like another barrier of things that you do afraid, and you put yourself out there. I'm wondering, what have you noticed from just a mental barrier standpoint that may keep people from moving forward with this? I know we kind of went up, went over this a little earlier, but I'm just trying to think maybe with your talks with peers or whatnot, they're like, I don't really know. Cause that's my my market's not on there or whatever.    00:18:19 Brad Yeah. So, I mean, you obviously have to think about what persona you want to put out into the world. That's something to think about, right? Like who are you on social media? And it's not like you're pretending to be somebody else. I mean, you all have various roles. Like I'm a very different father than I am professor. Like, so you have to just think about who you are on social media and not only that, but on which platform, like, I'll be honest with you. There's 99% of the stuff I put on TikTok. I would never put on LinkedIn, are you kidding me? Like my Dean's going to see that stuff. And so.   00:18:53 Dominique I don't know,   00:18:53 Brad If he is, I'm very scared right now. So, so you've got to think about like the culture, like, what is it for me though? I gotta tell you it goes beyond that. Like, so I actually feel like on a deep philosophical level, like I'm here on earth to do something and I don't really care. I have this avatar onTikTok  that I have in mind. This is somebody that I deeply love and I care about, and I'm going to try to connect with this person, whatever it takes, if I have to do like a silly like dance, if I have to do something like that, I don't care. Like I I'm so mission focused on TikTok  in terms of trying to give a certain message to this person that I care about on there, that a lot of that melts away. I that's actually been my hack for overcoming my ego around giving speeches around doing podcast interviews, media interviews, television, the whole deal is what is my mission? And my mission as you mentioned, is, it's to help bring hope and healing to the world.   00:19:52 Brad That's my mission. I run everything through that and then my ego melts away. That's, that's,   00:19:58 Dominique It's actually a good segue. I want to talk about, let's talk about TikTok  micro strategies. Like if somebody is listening right now and they're like, okay, I'm buying in. I think I can do this. Let, let me start to think about some tangible steps where I can use this specific social app to start to get my message out. I think you provide a really good blueprint. Let's kind of unpack that. Have a mission that basically you see how you're impacting the world as a financial professional, whether that giving comprehensive financial plans or building investment strategies or whatever that is to whoever that is. That is a very first, a good, very first step. What would you say is kind of next, or maybe something from Dr. Brads  blueprint of how you create content?   00:20:45 Brad I would say have an avatar in, so by avatar, I mean, who is the person on the other side of this phone, who's going to be watching your content? Who is that person? What do they care about? What are they worried about at night? What do they love? What do they, and so I, by the way, I have a different avatar for each app, essentially because they have different audiences. I'm speaking a different language, I'm talking to a different person. I think that really helps that is if there's anything that I could pin my success on TikTok , it's probably that, like, I have a very clear avatar in there. Somebody I'm talking to, it's not in frankly, it's not my typical multi-million dollar wealth management client. Although much of it applies, I have a very specific avatar and the more specific it can be about who is this person you want to talk to, it just really helps you get really clear about the message you want to deliver.   00:21:35 Dominique Yeah. Cause I think, one thing I've been guilty of, in the past and even now, right, is getting a little lazy with the different cultures across social media, in that I post the exact same thing one platform and another, and I start to get a little, savvy about that, which is you change the, some stuff is, one-to-one but very rarely nowadays. To your point, if you have an avatar in mind, that's a specific message to that particular avatar in that community, based on the culture of that platform. Your posting strategy on TikTok, though, from looking at your profile seems to be, like you said, up to six times a day, and I don't know that works on like a LinkedIn or anywhere else. Can you kind of speak to that about the amount of times that you post in, like when you post and things of that nature?   00:22:25 Brad Yeah. So I agree with you. I think it's very platform specific, but I've also seen a undeniable correlation with the amount of content somebody puts out and the impact and the reach, like you just can't separate those two things. If you posted six times a day on LinkedIn, I can guarantee you within one year, you're going to have way more action, way more views, way more followers, et cetera. Now, now granted, you're really going to have to dedicate yourself to that, right. I mean, because that's a major strategy and about two years ago, that's what I did. I essentially said, I'm going to spend an hour or two a day on social media. I started, we're talking to financial planners here, right. So I actually have a spreadsheet. Okay. Where I, I track all my numbers for the last two years across my social media platforms, because I decided I'm going to put some energy into that.   00:23:14 Brad I'm going to put some energy into growing those platforms. And so, yeah. The more content you produce, the more action you're gonna do.   00:23:20 Dominique Yeah, no, I think so. What I'm hearing from you is have a mission because it starts always with your, why I would agree, have an specific avatar that you are targeting. Then, I guess with that, you got to learn the nuances of the community dynamic or the social platform dynamic. You gotta be, I would say you got to start tracking your metrics. I think, cause that just talks to the strategy. Cause you're, these are for, this is forethought, right? You're not like maybe there are some stream of conscience and stuff that you're just doing, but do you have a social media content calendar? Like on this day I'm going to post this particular thing or around this particular thought that you do that too?   00:24:00 Brad I don't, I don't at all. Yeah. I, I have a target where I'm trying to post three to six times a day on TikTok. I try to take one of those posts if they're relevant and push it over to Instagram or LinkedIn, that kind of thing.   00:24:15 Dominique Okay. Okay. Having a strategy, whether the accountant is planned out or not is still part of what you would agree or recommend for people to have.   00:24:28 Brad Yeah, absolutely. Like I have a plan in mind, like what are the platforms you want to focus on? And I think it's a good idea to pick one primary and then maybe two or three secondary. So you're going after maybe three platforms. You have a primary and a secondary, because it can be really tough to hit all those at once. But yeah.   00:26:16 Dominique Talk about, talk about having that primary or maybe that hub. I think that's kind of key because I think at least with the conversations that I have financial professionals are like, yeah, I'm fine with doing this. It's just, it's just so overwhelming. Well, I mean, because there's Twitter, there's Facebook, there's Instagram, there's YouTube, there's blah. It's like, well, pick one hub where you can maybe have your let's call it cornerstone content or whatnot. As you said, push them out to those other two or three that are kind of minor in tertiary with maybe segments of it or split up content or whatever. I mean, if, I guess if you pick TikTok , you may have to think about some longer form stuff because of the time limit. What, what would be your thoughts on that?   00:26:56 Brad Actually my best, LinkedIn content happens to be TikTok videos because they're pretty right. And they're punchy. Right. So yeah, I absolutely agree with that. And, and you just need to have a general philosophy, like how many posts do you plan on doing a day? And I know, and I'm, as I'm saying this, I'm just imagining the listener going with all these mental blocks to doing this, right. You're going to look like a fool. You're going to look, people are going to judge you and it's like, look, your first videos are your worst videos. Like they're just absolutely the worst and you're going to have to get over that hump. I would suggest that you make terrible embarrassing content right now versus three years from now. So get embarrassed right now. Get it pumping out now, because three years from now, you're going to be in a much better place.   00:27:40 Brad I'll tell you this, I actually, I think I posted, Oh my goodness. Almost a thousand videos last year on TikTok. All of oh no, just on TikTok. Yeah. I think it was in the 900 range. I'm going to tell you what, like they are way better now than they were at the beginning of 2020.   00:27:59 Dominique Wow. Okay. Let me just unpack that for somebody that is cause I'm big on numbers. For somebody that's out there, if you posted a thousand on just one platform, that's roughly 20, which the math is about two to three a day. For all of those out there dislike does just, can't do one. I mean, there's inspiration for you, but I mean, let's talk about something that I want to park on real quick. Went over this before, but I want to unpack this because you brought it up a couple of times. The actual talk track that is going on in your head when you're putting yourself out there and you're making a thousand videos is man, I'm gonna do this. Whether people like it or not, this is my mission. I'm focused on the person that I can help. I may look foolish. I may not do everything right.   00:28:49 Dominique I'm gonna make some mistakes. At the end of the day, I'm going to check this thing off as done because I actually did it as opposed to, I don't have the right phone. My compliance department's going to say whatever, maybe talk about some of the self-work or self-awareness personal development that maybe needs to take place with that person. That's repeating that in their head.   00:29:14 Brad Yeah. You got to get over yourself. I mean like it, one way to look at it is, that is like the most devastating form of self-love and ego adoration. It's like, look, you can't really love yourself that much. Right? Like, it's almost egotistical for you to be that worried about it. It's like, who are you? Yeah. Right, right. It's like, so for me, anyway, that's kind of where I go with it. I'm giving you my own mental tricks. Like, the other thing is like, how dare you? Like, all right. Here's the other thing, how dare you? Honestly, I am so upset if you're listening to this right now, and you are a financial expert and you are letting the financial conversation be had by all these people who know nothing about it. If you want to know what got me onto TikTok, it's this, my nephew showed me TikTok.   00:30:04 Brad And I started flipping through there. I couldn't believe what I was seeing. I was seeing day traders, selling day trading, talking to me about all their returns, talking about this incredible thing. This is the way to make money. I got so upset. I got so angry. That's why I started creating content. I'm like, there's an entire generation of people here who are falling into this trap. And I was stunned. I couldn't believe it because I thought that kind of died away in the nineties. When the tech bubble, I couldn't believe that it was back in full force and I sat there and I saw all these people and I could picture them all being incredibly hurt by this misinformation. So, psychologists do this all the time too. Like they're not very good at speaking to the public. They're not very good at making things understandable.   00:30:46 Brad All the best-selling self-help books are written by non psychologists. Some of the information they give out is just, is terrible and harmful. I'm just going to say that, come on, man, I need you. I need you on these social media platforms, sharing the truth, educating people if because you're not doing it. Other people are doing it. Guess what? There's an entire generation of people are consuming this content and getting all this misinformation because you are too afraid of being judged by somebody.   00:31:15 Dominique Wow. I think, that deserves an a man because I resonate with that so much. I think there are a lot of us that, Andy Andrews has this very great quote that says that the whole purpose of analysis is to come to a decision like weigh the pros and cons, to the, to your point, you're qualified, especially if you're like a CFP. I mean the amount of stuff that they dump into our brains during that education process, good could power a whole career of content creation. The point is I think you hit a lot of nerves there because it, they essentially, it is just being afraid of how people may judge you and think of you, let me ask this was some of this, fervor and, maybe some inspiration for money mammoth. Cause I want to talk about that next. I mean, this is, I think from a standpoint of truth versus falsehood or untruth, this what you just said in the last, 30 seconds or so is definitely something that this new consumer financial services needs to hear.   00:32:28 Brad Yeah. I think that it did influence my work on TikTok. First of all, the other thing I get so much hate social media. Let me, let me just explain this to you. Like, it's not like you're going to be sitting you sit back and be received with loving, open arms. It's like, there's a bunch of like angry 14 year olds on that app. Right. They're really gonna give it to you with your bald head and your gray beard and okay. Boomer. So just understand that's absolutely gonna happen. I've just described to you though, my mental strategy for dealing with that. I know they're all 14 year olds who, quite frankly, they might even be 50, but they have this like very wounded 14 year old inside of them. What you're going to notice is that the most criticism and hate you get on any social media platform is going to come from people who have anonymous profiles and have never posted any content.   00:33:19 Brad So understand this. They are, they're really afraid of being judged and they're hypercritical of themselves and they're probably super nasty to themselves. They probably had a parent who was nasty to them. They've internalized this like highly critical nastiness and it's very, confining for them. What they're doing is just projecting that on you. Just understand if you're getting hate from people, that's who you're getting it from. And, and frankly, as a psychologist, I care about those people. I, I feel bad for them. I worry about them. I wanna support them. Anyway, that's your mental strategy for dealing with hate because that those are the people who are doing it, content creators, like if you're actually putting your stuff out there into the world and think about this in your own life, like you're really putting yourself out there. You have a lot of compassion for people who have the courage to put stuff out there.   00:34:07 Dominique No, I would agree. I, and I think, one way that I've kind of mental hack that is when I actually started getting negative comments or posts and things of that nature, or even a thumbs down on YouTube is I realized, man, I must actually be touching a nerve if somebody is disagreeing with this, I think, I mean, from a creativity standpoint, you got to start thinking that if you're putting stuff out there and nobody's saying anything negative, then you may need to push a little harder against the establishment is kind of the way I think about it. One of the parts of what I do is I try to be polarizing not to be off putting necessarily, but just to say, I may have a different opinion or different way of thinking about something than you. Let me challenge you with that, to see how you accept me or not.   00:34:57 Dominique Right. It's a very telling sign that I use with people that I want to bring into my practice or people I want to work with. Because if you, if we disagree on something and that's going to be that off putting for you, that's probably going to be a detriment to our business relationship and we, that we don't want to go there. Right. Right. Absolutely. Let's talk about, the book just like what is the premise of it and in what can people expect when they read the money mammoth?   00:35:25 Brad Yeah. For money mammoth, it was influenced by all the stuff I've been doing on social media. In that it's the first book where I actually put in a lot of, I'd say some basic personal financial planning information. I've avoided that in the past. Partially because I wasn't a certified financial planner for the first few books. I felt like there's a real need for it. Here I've created a bit of a following and I have a bit of credibility with a certain audience. I thought, I would find ways to do it in a totally appropriate compliance way where you're not telling people what to do. This is the other thing too, like you don't dispense advice on social media, like, and if you do that, your compliance office should be very concerned about you. You know, that's not what you do. You don't, I'll get comments all the time.   00:36:10 Brad Like, should I do a Roth IRA? It's like, well, you never say yes to that. I have no idea who this person is, what their circumstances. You find ways to talk about it. The Roth IRAs can be incredible under the right circumstances. You know, I don't know your situation. I can't tell you what you should do. I mean, there's very easy ways to get around the quote advice. Not to get too stuck on that, but for money mammoth, I did include some of that information because I saw such an important need for it. And essentially money mammoth. The concept is around the metaphor of the cave person back during the days of the wooly mammoth. This is the brain that allowed us to survive and thrive in that environment. It's the same brain we have right now that trips us up in terms of our relationship with money.   00:36:51 Brad The whole book is wrapped around that metaphor, looking at your ancestors, looking at your tribe, the influence of the people around your family, your parents, and then getting into survival techniques. It's interesting, we had that whole concept before this crisis happened, but it turned out to be a, pretty apropos just in terms of how to survive a crisis and how to manage and avoid extinction if you will. We put a lot of information on, in there on how to essentially survive these crises. By the way, there's going to be another one, and these things happen. How do you manage it psychologically in terms of making the right financial decisions?   00:37:25 Dominique No, I think there's a great setup, especially for the segment of the audience that will be listened to this that are consumers or financial services, because I know that in the last several months, specifically during the pandemic, I've gotten a lot of people come to me and say, Hey, I've had the time to kind of contemplate my future. I've been putting this stuff off so long. Like what do we need to do to get everything in order now? And I think this presents an excellent opportunity for financial professionals and providers or financial services to really connect with people to your point earlier because people are wanting this information. They're not, no one is sitting around saying, I want my N to be bad. I don't want to finish well, people know they need to plan. The, the fact of the matter is not because of a lack of information, but it's usually because of the lack of guidance it's like, because there is so much information and it's like, should I do this? Or should I do that? And the inaction comes in and I think that's where, to your point, your call to action to financial professionals is to, Hey, you have this information, let's guide people to where they need to go, because we're essentially are just facilitators.   00:38:32 Dominique So, no, I love that. Any other resources you have? I know you said you may have a TikTok training course in that work.   00:38:40 Brad Yeah. We've been working on a tic-tac training course, mainly because it's this strange platform. And, I found tic-tac to be actually incredibly receptive to professional content. As a matter of fact, they reached out to me and, asked me to help create more like legitimate financial education content on TikTok, which is, which has been really incredible. I actually see them promoting the expertise from people who are actual professionals who have a knowledge base in certain areas. And that's incredible. They've recognized that there's a lot of misinformation going on. That's more than any other platform that I've ever heard of. It's, it's incredible. Like, I'm wearing a TikTok hat and they sent this to me and I'm on weekly calls with them around creating content that will be useful. As I mentioned, that's legitimate from professionals. So, that's one of the things I've been a huge fan of.   00:39:32 Brad As part of those calls, we're always talking about, best strategies on TikTok, how to get the most organic reach. Essentially yes, we're, I'm creating with a partner, a course on TikTok for professionals on how can we use this and how can we maximize it? And, we talked about this a little earlier too, and it's like, I didn't really choose tic-tac. I would say TOK chose me and what happened. You mentioned this earlier with the organic reach and I had one video, so I'm posting across all these platforms and I had one video go 6 million views. I got to tell all of a sudden you're like, wow, like that's a significant percentage of the us population for that just saw this video that I created and obviously resonated. It was obviously helpful. I think it was that type of organic reach that I just kept doubling down on the content on that platform.   00:40:20 Dominique No. Good for you, man. I'm really happy to hear that. I know you do great work. I know you are also invested in academia and the next generation, which is the reason why I think we resonate so well in overlap in our synergies with what we're trying to do with change, how people view financial advice and financial advisors, period. I no longer in one of the reasons why I created this podcast, candidly is because I'm really tired of at a dinner party. Somebody saying financial advisor in the room clearing like we do way better work than that. The people that do that work, I want them to come to the front and the people that want to get in here and do that type of work. I want them to be attracted to the industry. I'm so glad for what you're doing. We always close with, the fact of empowerment, right? So this podcast is to help, empower tomorrow's financial professionals with tools to serve their clients at the next level.   00:41:12 Dominique And so in that context, Dr. Brad, I would love any word or words of wisdom that you would want to leave with. Tomorrow's financial professionals.   00:41:22 Brad I think it would be this, that just go ahead and get in the game. Like at the end of the day, this is going to sound pretty morbid, but at the end of the day, we're all going to be stuck in a hole with dirt thrown on top of us, and nobody's going to care, I mean like a hundred years from now, and it's like, look like you're on earth here to do something like, I don't know what that is. I mean, the opportunity in the financial realm is like, this is the number one thing that stresses people out like money is the number one stressor. And, in the, in America, eight out of 10 people, stress kills people. I actually see us in this profession as being in a unique opportunity, a unique place to actually heal, like, to actually be a source of hope and healing for people that I that's, the mission that I am really trying to live out in my life.   00:42:06 Brad I see that as a financial professional, this isn't just about returns and making people more money. No, no. You are in a position to help people deal with the thing that keeps them up at night that kills them. So this is the mission I see. If you can just embody that mission, it's so much easier to create content because essentially you're saving lives. I'm not saying that I actually wrote an entire article. I have a very solid argument on how you're actually saving lives by helping people with their financial plans. That's really the way I see it. That's the mission that I'm living in my life and I really want you to live. Conversation Transcript: 00:42:41 Dominique Wow. Wow. That's great. I cannot agree more. This has been great, Dr. Brad, TikTok savant. Thank you for spending time with us on conversations for financial professionals. Thank you. My pleasure. 

How are our financial behaviors influenced by past generations, and what can we do to acknowledge our own money issues to become better financial role models for our kids? Enter Doctor Brad Klontz's concept of money scripts. Brad is an expert in financial psychology, financial planning, and applied behavioral finance. He's also an Associate Professor of Practice at Creighton University Heider College of Business, Co-Founder of the Financial Psychology Institute, and Managing Principal of Your Mental Wealth Advisors. A Fellow of the American Psychological Association, Brad was awarded this institution's Innovative Practice Presidential Citation for his application of psychological interventions to help people with money and wealth issues and his innovative practice in financial psychology for practitioners across the country. In addition to the six books Brad has authored or edited, he has been a columnist for the Journal of Financial Planning, On Wall Street and Psychology Today. His work has been featured on many media outlets and in professional magazines and journals, including NPR, Money Magazine and The Wall Street Journal. In 2019 Brad was appointed to the CNBC Financial Wellness Council, and in 2018 he received the Montgomery-Warschauer Award from the Journal of Financial Planning, honoring the most outstanding contribution to the betterment of the financial planning profession. Brad has partnered with organizations including Capital One, JP Morgan Chase, Mutual of Omaha and H&R Block in efforts to help raise public awareness around issues related to financial health and financial psychology.

Wondering how to bring up money with your partner? When is the perfect time? What should you say? In this episode, we sit with Brad Klontz, an award winning financial therapist and advisor. Learn ways to discuss financial goals, different incomes, and how to handle financial disagreements whether you're in the early stages of relationship or with a long-term partner.Brad Klontz  is a Founder of the Financial Psychology Institute® and a Managing Principal of Your Mental  Wealth® Advisors. He was awarded the Innovative Practice Presidential Citation from the American Psychological Association for his application of psychological interventions to help people with money and wealth issues.His work has been featured on ABC News' 20/20, Good Morning America, and in USA Today, The Wall Street Journal, New York Times, Washington Post, Los Angeles Times, Time, Kiplinger's, Money Magazine, NPR and many other media outlets and professional magazines and journals.

Our guest, Marlis Jansen, is the founder and CEO of Graddha. There, she uses her experience as a licensed psychotherapist and member of a multi-generational financially successful family to help clients navigate their financial and emotional worlds. As Marlis discusses, she has always been fascinated by where wealth meets psychology. Earlier in life, Marlis observed parts of her family being torn apart by money disagreements that became personal. From this, Marlis learned the importance of putting values and relationships in front of money matters. That is why Marlis is laser-focused on the meaning of one's life and how wealth fits into the picture. During the conversation, Marlis shares what it was like to first learn about and interact with her family's family office. If you are wondering what a family office is, be sure to listen to the financial insight at the end of this podcast. Marlis is trained in wealth psychology and a sixth-generation member of a family of stewardship. This combination of professional training and lived experience gives her a unique perspective on the nuances and complexities of owning financial wealth. Prior to founding Graddha, Marlis worked for several healthcare startups and spent a decade as a stay-at-home mom. As a product developer in the healthcare information technology space, she designed strategies to maximize trust and safety for patients to help them take ownership of their health decisions. Marlis also served as Director of Business Development and Director of Product Development in a couple of health care startups. Her experience as a mom inspired her to contemplate how we ascribe value to people and work. Marlis holds a Bachelor of Arts degree in Anthropology from Harvard University, a Master of Arts degree in Psychology from the California Institute of Integral Studies and a Graduate Certificate in Financial Psychology and Behavioral Finance from Creighton University Heider College of Business. She is an active member of the Purposeful Planning Institute, Financial Psychology Institute and the Financial Therapy Association. She serves on the Board of the Stone Age Institute and, since 2009, has served as Vice President of The Springcreek Foundation, her family's private philanthropic foundation. Marlis speaks French well and is proficient in Spanish and Norwegian. She loves to enjoy home-cooked family dinners, hike Mt. Tam with her family and dogs, travel in unfamiliar countries and cultures, and stay up late playing board games. Learn more about Money Tale$ > Subscribe to the podcast Recent episodes Form CRS Form ADV Terms of Use Privacy Rights and Responsibilities

Our guest, Marlis Jansen, is the founder and CEO of Graddha. There, she uses her experience as a licensed psychotherapist and member of a multi-generational financially successful family to help clients navigate their financial and emotional worlds. As Marlis discusses, she has always been fascinated by where wealth meets psychology. Earlier in life, Marlis observed parts of her family being torn apart by money disagreements that became personal. From this, Marlis learned the importance of putting values and relationships in front of money matters. That is why Marlis is laser-focused on the meaning of one's life and how wealth fits into the picture. During the conversation, Marlis shares what it was like to first learn about and interact with her family's family office. If you are wondering what a family office is, be sure to listen to the financial insight at the end of this podcast. Marlis is trained in wealth psychology and a sixth-generation member of a family of stewardship. This combination of professional training and lived experience gives her a unique perspective on the nuances and complexities of owning financial wealth. Prior to founding Graddha, Marlis worked for several healthcare startups and spent a decade as a stay-at-home mom. As a product developer in the healthcare information technology space, she designed strategies to maximize trust and safety for patients to help them take ownership of their health decisions. Marlis also served as Director of Business Development and Director of Product Development in a couple of health care startups. Her experience as a mom inspired her to contemplate how we ascribe value to people and work. Marlis holds a Bachelor of Arts degree in Anthropology from Harvard University, a Master of Arts degree in Psychology from the California Institute of Integral Studies and a Graduate Certificate in Financial Psychology and Behavioral Finance from Creighton University Heider College of Business. She is an active member of the Purposeful Planning Institute, Financial Psychology Institute and the Financial Therapy Association. She serves on the Board of the Stone Age Institute and, since 2009, has served as Vice President of The Springcreek Foundation, her family's private philanthropic foundation. Marlis speaks French well and is proficient in Spanish and Norwegian. She loves to enjoy home-cooked family dinners, hike Mt. Tam with her family and dogs, travel in unfamiliar countries and cultures, and stay up late playing board games.

Hi all … it's Pete. When I was a kid, I played soccer. I was on the Colorado Springs Youth Soccer league called “Soccsy” at the time, and my team was exceptional. We dominated in every game and sported threatening black t-shirts, and the coaches were pathologically gruff parents, the whole trope-parade. That was the team. Because clearly there is no “I” in team, now I shall tell you about myself. I was in the goal keeping position and I was quite naturally terrible at it. I was in this position only because I was even more naturally terrible at every other position. The only reason we won so much is because we had a terrific defense and offense, capped by a striker by the name of Ron Cook who was so fast on his feet you'd think he was naturally imbued with wheels. If the ball ever made it passed our defensive line, the other team was guaranteed to score, with the exception of the single time I managed to stop the ball by meeting it with my face. Our guest today is Dr. Ted Klontz. Ted has been a mentor and friend to Dodge for 20 years. He's an associate professor of Practice and Financial Psychology at Creighton University, director of the Financial Psychology Institute® in addition to being a sought after international speaker, author, and researcher. Before that, though, he was a coach. That's how Dodge and Ted open their conversation today, with a discussion on Ted's approach to confrontation when it comes to coaching in sports. And that's where I want to ask you all to lean in. Right in the beginning. Because whether you're a coach yourself, or if you're a recovering victim of youth sports like me, Ted's experience is positively redemptive. The real nut of the conversation today is in Motivational Interviewing, a methodology Ted shares that can help probe the roadblocks to personal change rooted in the sort paralyzing ambivalence to change that many of us deal with at some point in our lives. We all… deal with this in our lives, right? That's not just a me thing? Bottom line, Ted's fantastic. You'll get it… listen for a few minutes and you'll discover he's the human manifestation of a warm hug. And we could all use a warm hug right about now, right? Thanks, as always, for your commitment to the work. — Pete Links & Notes Klontz Consulting Executive Circle — An exclusive financial psychology training and networking group for thought leaders and practitioners. P.S. If you're interested in more from us, please check out The Change Paradox member support program. By throwing us a few bucks a month you're helping to offset the costs of production and, more important, you'll get access to your very own personal podcast that includes all our public episodes and interviews with experts in the field of change, but ALSO our Afterthoughts show, in which Dodge and I reflect and integrate the lessons we've learned through the interview the week before. So, if you've ever thought, “Hey! Where can I hear more stories like that great soccerball-to-the-face story from Pete,” then you'll want to join us by becoming a supporting member.

Dr. Brad Klontz is on the show talking about the intersection of financial psychology and financial planning which is endlessly fascinating. Dr. Klontz shares how financial trauma and money beliefs can be passed down through generations and his research on the effectiveness of financial education versus more of a visual, coaching, behavioral finance approach. He also discusses his research on the psychology behind the ultra wealthy versus the middle class and his passion for changing the false messaging on social media about how the wealthy really live. We wrap up talking about a few of his books, the Certified Financial Behavior Specialist designation through the Financial Psychology Institute and listen until the end for his final words on the lifesaving power of financial planning. Links, transcript and timestamps at https://innovatingadvice.com/post/episode63. Three Steps to Identify Opportunities for Innovation in Your Financial Advice/Planning Business

In the architectural industry one of the most sensitive topics is the fees architects often receive which can be relatively low when compared to the value that is created through design and the risk that architects carry in delivering services. In this conversation I speak with financial psychologist, Dr Brad Klontz about the psychology behind money, fees and value.  Bradley T. Klontz, Psy.D., CFP® is a Founder of the Financial Psychology Institute® and an Associate Professor of Practice in Financial Psychology at Creighton University Heider College of Business. He is a Managing Principal of Your Mental Wealth® Advisors, a Fellow of the American Psychological Association, and a Former President of the Hawaii Psychological Association. He has partnered with organizations including JP Morgan Chase and H&R Block in efforts to help raise public awareness around issues related to financial health and financial psychology. Dr. Klontz has been a columnist for the Journal of Financial Planning, On Wall Street, and PsychologyToday.com and has co-authored/co-edited five books on the psychology of money. In this Episode you will learn : The psychological inner battle about why some creative people find it hard to price services  Money scripts: what they are and how they affect us  The surprising habits, lifestyles and mindsets of wealthy people THIS WEEK'S RESOURCES Discovery Call with Rion  https://www.businessofarchitecture.co.uk/discoverycall   Your Mental Wealth https://www.yourmentalwealth.com

Cultural and generational differences play a big role in the financial relationship between parents and their adult children. In traditional African culture, parents and children simply don’t discuss finances, and for Ornella and her mother, Didi, that was certainly the case. That is, until Ornella followed in Didi’s footsteps and opened up a restaurant that serves traditional African food. Then everything changed, and they’re never going back. After, Certified Financial Planner and Founder of the Financial Psychology Institute, Dr. Brad Klontz, discusses the study of financial psychology and the role “money scripts” and shame play in our lives.

How do you view your financial status and your ability to achieve wealth stability?   In today's episode 73 of Meaningful Work, Meaningful Life podcast, and the first of Season 7 focusing on Money Mindset and Habits, I am in conversation with Dr. Brad Klontz. He is a clinical psychologist, founder of Financial Psychology Institute®, and an Associate Professor of Practice in Financial Psychology at Creighton University Heider College of Business. He is the author of 5 books on financial psychology. Dr Brad Klontz started out as a clinical psychologist and very quickly learned that money is the number one stressor in people’s lives regardless of a current pandemic or market downturn. He has dedicated his career to trying to understand why we are so crazy when it comes to money, why we self-destruct, and why we are programmed to do everything wrong when it comes to moneyIn this  thought-provoking conversation, you'll discover: The painful and embarrassing associations we make with our money and financial status. How to achieve a healthy relationship with wealth How to adjust our tribal brains and break free from generational conditioning   The mindset of wealthy people Why he is on a mission to heal and help everyone to address their money issues   For the show notes go to  www.francinebeleyi.com/podcast. If you love this episode, share it with your friends and leave me a review.  If you are an entrepreneur with big ideas and a grand vision looking to position as an authority in your industry, attract your ideal clients and impact the lives of millions globally, apply for a complimentary mini-brand audit call at www.francinebeleyi.com/audit.

#263: It’s been a tough year, and we’re only halfway through it. Today’s guest has insights and actions to help you build financial resilience in 2020. Not only will you emerge from the events of this year stronger, you’ll also face future personal challenges and economic downturns with more confidence and knowledge. Our guest is Dr. Brad Klontz, a clinical psychologist and Certified Financial Planner. He’s the author of five books on the psychology of money, a founder of the Financial Psychology Institute, a managing principal of Your Mental Wealth Advisors, and a fellow of the American Psychological Association. He’s also a former associate professor of personal financial planning at Kansas State. Dr. Klontz appeared on our show in April 2018 to discuss unhealthy attitudes towards money. We invited him back for his expertise on coping with recent situations and developing financial resilience For more information, visit the show notes at https://affordanything.com/episode263

How is your relationship with money? Do you hoard it? Feel like you don’t deserve it? Spend too much of it? Gamble it? Don’t understand it? You worship it? Do you think more of it will make you happy? Did you know that how we feel about money directly impacts our current financial situation? With money being the # 1 source of stress in American lives, (and I imagine even more so now with our current pandemic and economic situation) is there anything we can do about it? I am thrilled to be joined by Brad Klontz, a financial psychologist, author of Mind Over Money, and co-founder of Your Mental Wealth. He explains why our relationship with money impacts our current finances and what we can do to transform it. We will hear how he got into this business, the importance of financial literacy and having a good money mindset, and how to alleviate financial stress by improving our relationship with money. With so much chaos, confusion, and complexity around money, especially right now, this message is more important than ever. Dr. Brad Klontz is a financial planner and a financial psychologist. He is a partner of Occidental Asset Management, LLC, co-founder of Your Mental Wealth, and the Financial Psychology Institute. He has a passion for helping individuals and families understand their views on money and to assist them throughout their financial transformation by providing ongoing guidance and financial planning. “Money is the number one source of stress in the lives of Americans.” “Frankly, that’s where happiness comes from, it’s the ability to immerse yourself in the moment, to be present, and enjoy what’s around you.” “There’s always opportunity in the midst of crisis and that’s the mindset that I think is most helpful.” In this episode, you will hear: - How Brad got into this business and how this became his passion - Why Americans have such a hard time with money and what studies show can help - Steps you can take to improve your relationship with money Thank you so much for listening! Please subscribe to the show, leave a review, and share it with a friend. Find me on Instagram @clearchoicespodcast and on Facebook . Ask questions and get inspired and motivated to make conscious, clear choices! If you have a guest idea or want to connect with me, please visit my website www.clearchoices.live. I am also available for speaking engagements. Other resources and links mentioned in this episode: https://www.yourmentalwealthadvisors.com/ Mind Over Money by Brad Klontz

Today’s guest is Dr. Brad Klontz. Brad is a clinical psychologist turned financial planner. He’s the Founder of the Financial Psychology Institute® and an Associate Professor of Practice in Financial Psychology at Creighton University Heider College of Business. He’s also a Managing Principal of Your Mental Wealth® Advisors, a Fellow of the American Psychological Association, and a Former President of the Hawaii Psychological Association, and the co-author and editor of five books on the psychology of money. After attempting to eliminate his student debt by investing in the stock market and losing big, Brad did a deep dive into his family history, the mental health of financial planners. He discovered that this aspect of mental health had long gone unaddressed, and has dedicated his career to the concept of what he calls Mental Wealth ever since. Brad joins today’s podcast not just to share his story, but to help you better understand how your beliefs around money influence your financial behaviors, net worth, credit card debt, and more - and how to reassess and rethink what might not be serving you well, especially at this tumultuous time in our financial history. Show Notes: RetireWithPurpose.com/131 Rate & Review the Podcast: RetireWithPurpose.com/review Weekly Retirement Newsletter: RetireWithPurpose.com/weekend-reading

Roger Shaffer of HighTower Advisors, says that individual investors planning their way through the current market turmoil need to focus on process and their ultimate goals rather than on the market's trends, reviewing their risk tolerance and their phase in the financial cycle to make decisions that focus on personal circumstances rather than the market. Also on the show, Dr. Ted Klontz of the Financial Psychology Institute discusses how he believes investors should change some of their savings habits to better reach their goals, Doug Roberts of Channel Capital Research weighs in on the Federal Reserve's big rate cut and what it portends for the future, and Roger Conrad of Conrad's Utility Investor talks about energy and utility stocks in the Market Call.   

Think about your parents. Now think about money. What kinds of ideas, images, and feelings come to mind? Do you recall any discussions about money - or were these hidden from you? Was there always enough to go around - or were you ever-conscious of its absence? What little incidents do you recall that ended up becoming defining 'money scripts' of your life? Perhaps it won't be a shock to learn that just as we learned how to raise children from our parents, we also learned how to think about money from them. And as we will raise our children the way we were raised unless we choose a different path, we will also pass on our ideas about money - unless we decide differently. Today we hear from Dr. Brad Klontz, co-author of the book Mind over Money: Overcoming the Money Disorders That Threaten Our Financial Health (https://www.amazon.com/Mind-over-Money-Overcoming-Disorders/dp/B008PHVA4U) , who helps us to think through the money scripts we want to pass on to our children - and how to adjust course if we decide we need to do this. Find more information from Dr. Klontz on his YouTube channel (https://www.youtube.com/channel/UC_GFrBVMkHRqL1_W0uu40Fg) .   [accordion] [accordion-item title="Click here to read the full transcript"] Jen:                                      01:36 (blank) Hello and welcome to the Your Parenting Mojo podcast. Today's episode kicks off what I'm hoping is at least going to be a miniseries on issues related to money and economic privilege, although I'm still in the process of figuring out exactly where we're going with this. So, quite a long time ago now, we talked with New York Times columnist, Ron Lieber about money and we got a high level overview of some of the problems we can face when we're thinking about how to talk with children about money. So, things like from what information to give at what age and what to do when your child nags you to buy something that they want at a store. But a friend recommended that I read the book that our guest today co-wrote with his father. His father is Dr.Ted Klontz and the book is called Mind over Money: Overcoming the Money Disorders That Threaten Our Financial Health. So our guests, Dr. Brad Klontz holds a Doctorate in Psychology. He's a certified financial planner. He co-founded the Financial Psychology Institute and he's an Associate Professor of Practice in Financial Psychology at Creighton University Heider College of Business. So, we're here today to take our conversation on money to the next level by thinking through how our own relationship with money will impact our children's relationship with money. Welcome, Dr. Klontz. Dr. Klontz:                         02:45 (blank) I'm so happy to be here and I'm really happy that hopefully I can get some parenting mojo and a conversation too. Jen:                                      02:5 (blank) 1 Do you have children? Dr. Klontz:                         02:5 (blank) 2                  I do. I have 2 children. Jen:                                      02:5 (blank) 3...

Have you been hauling around baggage since childhood of your parent's perception of money? It's time to let it go and take on a more sophisticated outlook. Joining us on The Art of Passive Income is Dr. Brad Klontz—a financial psychologist who helps raise public awareness around issues related to financial health and financial psychology. He is the Founder of the Financial Psychology Institute and an Associate Professor of Practice in Financial Psychology at Creighton University Heider College of Business. He is a Managing Principal of Your Mental Wealth Advisors, a Fellow of the American Psychological Association, and a Former President of the Hawaii Psychological Association. Dr. Klontz was awarded the Innovative Practice Presidential Citation from the American Psychological Association for his application of psychological interventions to help people with money and wealth issues and his innovative practice in financial psychology for practitioners across the country. Raised on the belief that you shouldn't take on much debt, Dr. Klontz had a difficult time psychologically when he found himself deep in student debt after getting his doctorate degree. That, ultimately, put him on the path to Mental Wealth. Today, Dr. Klontz is going to talk to us about money scripts—a subconscious belief that we have about money and the four categories they fall into:  Money Avoidance—having a tendency to self-sabotage when you start to have a successful business or come into money like a lottery win. Money Worship Belief—the belief that more money is going to make you happier and it's going to solve all of your problems.  Money Status—is all about keeping up with the Joneses. Money Vigilance—usually associated with having more money, these people believe it's important to save for a rainy day. Dr. Klontz also helps Mark & Scott with their own money baggage and sets them on the path to Mental Wealth! TIP OF THE WEEK Mark: Learn more about Dr. Brad Klontz at YourMentalWealth.com. You will find a plethora of information there. Scott: Check out Wisebooks.io to see what books well-known people recommend. Dr. Brad Klontz: Check out my YouTube Channel to explore tips and strategies. Isn't it time to create passive income so you can work where you want, when you want and with whomever you want?

Do you find yourself repeating the same patterns with money, no matter how many classes or workshops you take? Have you ever considered that you money habits can be passed down to you based on your environment and upbringing? Dr. Ted Klontz is the director of the Financial Psychology Institute and had writen 6 books on the subject of our psychological attachment to money. Learn more about Dr.Klontz here: https://www.yourmentalwealth.com In this episode you will learn: -How to recognize your financial triggers -The difference between a wealthy and a poverty mindset - The one thing keeping you from changing your financial situation for good - How to make more money and still be a good person Let me know what you think of the episode by emailing mentalcement@gmail.com, or heading over to facebook @MentalCement

TESTO DELL'ARTICOLO ➜ http://www.bastabugie.it/it/articoli.php?id=5671I MILLENNIAL HANNO PROBLEMI EMOTIVI PER IL CLIMA E IL 30% DI QUESTI GRETINI (SEGUACI DI GRETA) NON FA FIGLI PER SALVARE IL PIANETA (!)Seguendo l'esempio di Greta Thunberg, i giovani di tutto il mondo sono tornati ieri a protestare per l'ambiente. Il Gruppo intergovernativo dell'Onu sul cambiamento climatico (Ipcc) ha ribadito che se non verrà fatto nulla nei prossimi 12 anni, il pianeta andrà incontro a inenarrabili disastri entro il 2050.Se nella comunità scientifica sono tutti d'accordo nell'affermare che il clima sta cambiando, diventando più caldo, non c'è unanimità sulla causa del riscaldamento. Secondo l'Ipcc e l'ambientalismo più aggressivo, di cui Greta è illustre rappresentante, la causa è l'uomo e le emissioni di CO2 di origine antropica. Che questa sia soltanto un'ipotesi, e neanche troppo confermata dai dati, lo si può intuire dagli stessi documenti dell'Ipcc, dove il modo verbale più utilizzato è il condizionale e l'avverbio più abusato è "probabilmente".L'ambientalismo catastrofista ha però un effetto certo e immediato, almeno negli Stati Uniti: deprime i giovani. A forza di srotolare lo slogan "Ci stanno rubando il futuro", secondo un rapporto del 2018 della American Psychological Association, il 72 per cento dei millennial (nati tra il 1981 e il 1996) dichiara di avere "problemi emotivi" a causa della "inevitabilità del cambiamento climatico".Matt Fellowes, a capo della United Income, piattaforma online che si occupa di gestire i risparmi pensionistici, ha dichiarato a MarketWatch che «c'è una certo fatalismo nella popolazione più giovane. C'è molto cinismo riguardo alla possibilità di mettere soldi da parte e riguardo alla possibilità di avere una pensione». In parte lo scetticismo è dato dall'esiguità dei guadagni, che impedisce di risparmiare, ma molti ritengono che «non c'è alcun futuro in vista del quale risparmiare».Brad Klontz, docente associato presso il Financial Psychology Institute, ritiene invece che molti giovani usino la scusa dei cambiamenti climatici per non risparmiare. «Il risparmio va contro la natura umana, è difficile farlo perché implica un costo vivo. Per risparmiare, inoltre, bisogna superare la paura del futuro. È ovvio che chi ha una visione depressa di un terribile futuro, non pensa a risparmiare».C'è un altro dato inquietante, rilevato nel 2018 dal New York Times. Il 30 per cento degli americani che affermano di non volere figli, lo fanno perché preoccupati di vederli nascere in un mondo apocalittico e perché non vogliono contribuire all'apocalisse generando altri esseri umani. In attesa di sapere se i cambiamenti climatici sono davvero causati dall'uomo, c'è dunque una certezza: il catastrofismo sta danneggiando seriamente il pianeta, deprimendo quelle stesse persone che potrebbero "salvarlo".Nota di BastaBugie: Pietro Piccinini nell'articolo seguente dal titolo "Non credi al collasso climatico? Sarai chiamato negazionista" spiega perché il nuovo linguaggio adottato ufficialmente dal Guardian per parlare del riscaldamento globale (global warming) è più allarmante dell'allarme sul riscaldamento globale.Ecco l'articolo completo pubblicato su Tempi il 27 maggio 2019:Se non si riesce a convincerle, come si fa a costringere le persone a vedere le cose in un certo modo? Occorre innanzitutto impadronirsi delle loro parole. Non c'è più bisogno di leggere Orwell per comprendere l'efficacia di questa regola base del potere. Basta dare un'occhiata al Guardian e alle sue nuove linee guida per descrivere i cambiamenti climatici. Qualche giorno fa, infatti, il direttore del celebre quotidiano britannico, Katharine Viner in persona, ha deciso di diramare ai suoi redattori un memo per assicurarsi che «i termini che utilizziamo» a proposito dell'ambiente «riflettano con precisione i fenomeni che descrivono».Non basta più sparare a ripetizione articoli-manifesto allarmanti e disperati (come questo proprio del Guardian) su quanti pochi anni ci restano prima di morire tutti noi disidratati o arrostiti dal caldo, salvo poi dover aggiornare continuamente il countdown verso un armageddon che non arriva mai. È necessario alzare l'asticella, o meglio la temperatura percepita intorno al tema. Occorre che il senso di emergenza climatica diventi indiscutibile, acquisito una volta per tutte, non più problematizzabile. Nemmeno i termini che si usano per designare queste cose devono lasciare adito a obiezioni o anche solo a domande. La signora Viner è convinta che ciò significhi essere più «fedeli ai fatti». E dunque, per assicurarsi di essere più «fedeli ai fatti», i giornalisti del Guardian d'ora in poi dovranno parlare non più di "global warming", ma di "global heating", mentre chi si ostina a mettere in dubbio l'allarme andrà definito non "scettico", bensì, molto più suggestivamente, "negazionista".L'OFFENSIVA LESSICALENessun obbligo, per carità, «i termini originali non sono vietati», ha concesso il direttore del Guardian nella nota per i suoi giornalisti, «ma dovete pensarci due volte prima di utilizzarli». Perché? È chiaro il perché:«L'espressione "cambiamento climatico", per esempio, suona piuttosto passiva e delicata quando quello di cui parlano gli scienziati è una catastrofe per l'umanità».Bisogna rendere atto al Guardian di avere avuto almeno l'onestà intellettuale di dichiarare apertamente le regole e i motivi della nuova strategia di persuasione. Cosa che però nulla toglie al disagio provocato da questa specie di offensiva lessicale in ogni lettore dotato di senso critico: l'idea, da parte di uno degli organi di informazione più seguiti al mondo, di far passare una certa visione delle cose semplicemente manipolando le parole usate per definirle è, appunto, vagamente orwelliana. Tanto più nell'ambito di una materia complessa e controversa come il clima.I DENIERS DEL BREAKDOWNMa quali sono i rudimenti della Neolingua meteorologica del Guardian? Eccone un assaggio, tratto dalla nota del direttore (le virgolette sostituiscono i neretti del testo originale):«Usate "climate emergency", "crisis" oppure "breakdown" invece di "climate change"Usate "global heating" invece di "global warming"Usate "wildlife" invece di "biodiversity" (quando opportuno)Usate "fish populations" invece di "fish stocks"Usate "climate science denier" oppure "climate denier" invece di "climate sceptic"».Non serve un inglese particolarmente fluent per cogliere la rilevanza della forzatura linguistica. Il fievole tepore evocato dalla parola "warming" diventa l'allarmante incandescenza del termine "heating"; un semplice, quasi banale cambiamento climatico ("change") evolve in una spaventosa emergenza, una crisi, addirittura un collasso ("breakdown"). Ma probabilmente il vero capolavoro subliminale è il nuovo marchio coniato dal Guardian per stigmatizzare i dissidenti del global heating: essi non saranno più chiamati "scettici", saranno bollati direttamente come "deniers", guarda caso lo stesso termine che gli anglosassoni dedicano ai negazionisti dell'Olocausto. Ma non basta: i nuovi negazionisti devono sapere che quel che negano non è soltanto una teoria scientifica come le altre, bensì la "scienza del clima" in quanto tale.L'HO VISTO ALLA BBCArgomenti a supporto di tutto questo? Oltre alle filippiche (politiche) del segretario dell'Onu António Guterres, il Guardian menziona le tesi di un professore del Met Office britannico (che sarà pure uno scienziato e forse perfino in ottima compagnia, ma sicuramente non è "la scienza"). Poi cita la Bbc, che nello scorso settembre ha pensato bene di raddrizzare i suoi talk show troppo equilibrati sul tema del clima spiegando che «non c'è bisogno di un "negazionista" per bilanciare un dibattito»; e infine l'immancabile Greta Thunberg, ovviamente favorevolissima all'adozione della Neolingua climatica. Tutti appigli perfetti per restare «fedeli ai fatti».DOVE NON ARRIVA GRETA, ARRIVERANNO I GIUDICILeone Grotti nell'articolo seguente dal titolo "Cambiamenti climatici. Dove non arriva Greta, arriveranno i giudici" rivela che un gruppo di esperti ha teorizzato che i governi possono essere costretti a ridurre le emissioni di CO2 dai tribunali, come fatto da Olanda e Australia, nel nome dei "diritti umani", ma in realtà contro l'uomo.Ecco l'articolo completo pubblicato su Tempi il 27 aprile 2019:Non sarà l'attivismo di Greta Thunberg a convincere i governi occidentali a «fare di più» per salvare la Terra e ridurre le emissioni di CO2 secondo la Bibbia del catastrofismo climatico. Saranno i giudici a obbligarli. È questa la teoria di un gruppo di esperti di diritto, che nel 2014 si è riunito per mettere nero su bianco una strategia per lavorare ai fianchi le democrazie di tutto il mondo e che ha cominciato a metterla in pratica. Se gli scienziati non riescono a dimostrare che i cambiamenti climatici sono causati dall'uomo, i popoli si ostinano a non percepire il riscaldamento globale come un'emergenza e di conseguenza i Parlamenti non hanno intenzione di prendere misure drastiche per contenerlo, allora il problema va portato nelle aule di tribunali. Sarà la giustizia a sopperire alle mancanze della politica, aggirando un piccolo dettaglio chiamato democrazia.OLTRE 1.300 CAUSE IN 30 ANNISecondo una ricerca della Columbia University sono circa 1.300 le cause legali connesse ai cambiamenti climatici intentate in tutto il mondo dagli anni Ottanta a oggi. La più famosa, scrive il Washington Post, ha avuto successo in Olanda, dove nel 2015 il tribunale distrettuale dell'Aia ha condannato il governo olandese a fare di più per combattere i cambiamenti climatici, cioè a ridurre le emissioni di CO2 almeno del 25 per cento entro il 2020 rispetto ai livelli del 1990. Il governo aveva approvato misure per tagliarle del 17 per cento. Nel 2018 la sentenza è stata confermata dalla Corte d'appello dell'Aia e il governo ha fatto ricorso alla Corte Suprema.

In this episode, Ameé interviews Dr. Brad Klontz and pulls back the curtain on her own financial past and starts to remove the stigma and shame of talking about money problems and the Big Lie about why even "smart" people do "dumb" things when it comes to their personal finances. Bradley T. Klontz, Psy.D., CFP® is a Founder of the Financial Psychology Institute® and an Associate Professor of Practice in Financial Psychology at Creighton University Heider College of Business. He is a Managing Principal of Your Mental Wealth® Advisors, a Fellow of the American Psychological Association, and a Former President of the Hawaii Psychological Association. He has partnered with organizations including JP Morgan Chase and H&R Block in efforts to help raise public awareness around issues related to financial health and financial psychology.Dr. Klontz has been a columnist for the Journal of Financial Planning, On Wall Street, and PsychologyToday.com and has co-authored/co-edited five books on the psychology of money including “Mind over Money.” His work has been featured on ABC News’ 20/20, Good Morning America, and in USA Today, The Wall Street Journal, New York Times, Washington Post, Los Angeles Times, Time, Kiplinger’s, Money Magazine, NPR and many other media outlets and professional magazines and journals.Topics Covered Include:Why are people embarrassed to talk about money problemsWhy hasn't psychology addressed this before as a mental wellness issueWhat is a money disorder and the main types of disordersWhat "scripts" about money were passed down to us that affect our views of money and our lifestyleHow does our "unfinished business" can affect our money decisionsWhat messages are we giving our kids about moneyWhy are some people trapped in a certain socio-economic bracket even when they want to move upResourcesWhat Are Your Money Scripts AssessmentThe Money Disorders AssessmentDr. Brad's YouTube Channel (Free Videos)

About our Guest: Dr. Brad Klontz is a financial psychologist who focuses on raising awareness around issues relating to financial health and financial psychology. He is the founder of the Financial Psychology Institute, an Associate Professor at Creighton University, and Managing Principal of Your Mental Wealth Advisors. He was awarded the Innovative Practice Presidential Citation, is the author of numerous books and publications, and is a personal mentor of mine.   Episode Summary: Today's episode is a rewind episode with Dr. Brad Klontz. I chose this episode because it has very special significance for me. Dr. Brad Klontz is a financial psychologist, and he was one of the first guests on my show. This year we have talked a lot about getting results not just setting resolutions. One of the results I wanted for 2018 was to become a certified Behavioral Finance Specialist. Thanks to the influence of Dr. Brad Klontz, I will have my certification in financial psychology within the next month which has sparked another result I have my sights on for 2019; pursuing an MBA with a concentration in behavioral finance and financial psychology. CLIFF NOTES Financial psychology is the study of our upbringing, experiences, and our beliefs and behaviors around money. The goal is improving financial health by improving financial psychology. Building wealth is first and foremost about your mindset. Our beliefs around money are real clear indicators of our success or failure. People who accept responsibility and believe they have the power to change their financial beliefs will have success. You have to take responsibility if there are gaps in your wealth mindset and seek out mentors that can help you out. The Banking Reimagined Savings Study proved that associating nostalgic items with savings improved rates by 67% Quotes from the show: “The ultimate goal of financial psychology is to help us improve our financial health by improving our psychology.” - Dr. Brad Klontz “Believe that you have the power to change your financial beliefs.” - Dr. Brad Klontz “If we can identify our beliefs around money and where they came from, we will then have the power to change.” - Dr. Brad Klontz “Only you can take responsibility if there are gaps in your wealth mindset.” - Dr. Brad Klontz “It’s not your logical brain that drives financial behaviors, it's your emotional brain.” - Dr. Brad Klontz “Our beliefs around money are real clear indicators of our success or failure.” - Dr. Brad Klontz “Building wealth is about mindset and integrating the other pieces of our lives.” - Patrice Washington “Start with the why.” - Patrice Washington “When we talk about money in an engaging way, it makes all the difference.” - Patrice Washington Brad’s Redefining Wealth Rapid Wisdom Questions Define Success: I look at success as a side effect of what happens naturally when you have an optimal mindset. Define Wealth in 3 Words or Less: Love, laughter, and longevity. One Book that Has Redefined How You See Wealth: The Richest Man in Babylon Fill-in the Blanks… “My name is ___ and the truth about wealth is ___”: “My name is Dr. Brad Klontz and the truth about wealth is for me it’s an evolving definition.”   Links: Dr. Brad Klontz: The Truth About Savings Your Mental Wealth OCCAM Your Mental Wealth Advisor Dr. Brad Klontz on YouTube @DrBradKlontz on Twitter Books by Dr. Brad Klontz Financial Psychology Institute Dr. Thema: Stop Suffering in Silence Nehemiah Davis: Create Your Circle of Greatness Crystal Escobar: No More Shoulds Monique Coleman: Peel Back the Layers Glen Henry: 5 Steps to Releasing Your Genius Getting Sentimental Could Increase Your Savings Real Money Answers for Every Woman: How to Win the Money Game With or Without a Man   Become an Official Purpose Chaser: http://www.iamapurposechaser.com Join Patrice’s Pod Club: http://www.patricespodclub.com To check out ALL of our past guests + episodes: www.patricewashington.com/Listen If you have questions about booking Patrice or sponsoring the podcast, email us at info@seekwisdomfindwealth.com. Find me in Social Media: Our podcast hashtag is #RedefiningWealth Instagram: @SeekWisdomPCW Twitter: @SeekWisdomPCW Facebook: @SeekWisdomPCW YouTube: @SeekWisdomPCW

In This Episode We Discuss: Wealth creation Money Scripts and how they affect our subconscious thinking around money Characteristics of the wealthy: what they worry about, what motivates them What makes the wealthy different from the non-wealthy About Dr. Brad Klontz: Bradley T. Klontz, Psy.D., CFP® is an expert in the science and practice of financial psychology and applied behavioral finance. He is an Associate Professor of Practice at Creighton University Heider College of Business, Co-Founder of the Financial Psychology Institute™, and a Managing Principal at Your Mental Wealth Advisors™. Dr. Klontz is co-author/co-editor of Facilitating Financial Health (NUCO, 2008; 2016), Financial Therapy: Theory, Research & Practice (Springer, 2015), Mind Over Money (Broadway Business, 2009), Wired for Wealth (HCI, 2008), and The Financial Wisdom of Ebenezer Scrooge (HCI, 2005; 2008).

Ask yourself honestly, how closely have you examined your emotional relationship with money? Or is it all a bit too awkward? Financial psychology - a relatively new discipline borne out of the USA - says we should all be doing exactly that. It joins the dots between psychology and financial planning, via behavioural economics and says it can help people understand their true relationship with money. Always in debt, but have a good salary? Ever wondered why your wealthy relative is so mean? Financial psychology might have the answer. Manuela Saragosa unravels some of these riddles with two experts: Brad Klontz, founder of the Financial Psychology Institute and Meghaan Lurtz, incoming president of the Financial Therapy Association. (Picture: Heads made of dollar bills, Credit: Getty Images)

There are few things more detrimental to our wealth than the negative money stories we pickup in our youth that haunt us as adults. And there are few things more impactful you can do as an advisor than to understand your client’s money stories and work with them as you engage in your planning relationship. Let’s face it, we all grow up with hang-ups around money. In those formative years of our upbringing, we start to absorb the financial habits and attitudes that we hear and see modeled in our family and other social relationships. Positive habits, like an emphasis on saving and investing, can set us up well for long-term financial planning. But some negative attitudes, like a fear of market volatility, can cause us to make poor emotional decisions about our money. Over the course of a lifetime, those can be seven-figure mistakes. Dr. Brad Klontz, CFP told me that he believes the very best advisors learn what their client's hang-ups are and use that knowledge to work more effectively with their clients. And Dr. Klontz is tackling those hang-ups from two sides: first, as the managing principal of his own RIA, Your Mental Wealth Advisors; second, as the founder of the Financial Psychology Institute and as an associate professor of practice in financial psychology at Creighton University's Heider College of Business. Dr. Klontz keeps these businesses and clients separate to avoid any unethical conflicts of interest. But through his unique experience as both a researcher and a client-facing advisor, Dr. Klontz identified four broad Money Scripts that show how our experiences shape our attitudes about money.

We all get lost. It’s perfectly natural as human beings to get stuck in the forest, to get scared of the dark, to get lonely and feel our courage drift away. As our guest today so rightly shares, “we have to get used to the weirdness of being human beings.” That’s when we’re able to find the strength, the motivation, the courage to make change in our lives and approach the world with strength. I’m so excited to introduce you all to Dr. Ted Klontz. Ted is a psychologist based in Nashville and he’s here today because he’s a pioneer in the development and application of tools and techniques that help people to change their troublesome behaviors. He’s an author, having written or contributed to six books on Behavioral Finance, and is co-founder of Your Mental Wealth™ and the Financial Psychology Institute™. He’s a published researcher, speaker, trainer and facilitator, and he travels the world working with professional athletes, entertainers, high profile families, couples, and individuals, as well as the average citizen. As a participant in Ted’s workshops I can tell you first hand that his work is truly transformational, and I’m proud to introduce him to The Adult Chair audience today! Links & Notes Dr. Ted Klontz Ted’s Courses at Creighton for Financial Services Professionals

Dr. Brad Klontz is a psychologist and a financial planner. He is a Partner and Executive Director of Financial Psychology & Behavioral Finance with Occidental Asset Management.  Dr Brad co-founded the Financial Psychology Institute, is an Associate Professor of Personal Financial Planning at Kansas State University, a Fellow of the American Psychological Association, and a Former President of the Hawaii Psychological Association. Dr. Brad has authored five books on the psychology of money, including Mind Over Money: Overcoming the Money Disorders that Threaten Our Financial Healthy (Broadway Business, 2009). His work with clients and research in financial psychology has been featured on ABC News' 20/20, Good Morning America, and in USA Today, The Wall Street Journal, New York Times, Kiplinger's, Money Magazine, NPR and many other media outlets.   In this episode, Dr. Brad and I talk about: his research on money avoidance & ambivalence anti-wealth beliefs money Scripts The Psychology of Wealth spending plans vs a budget Dr. Brad's  money disorders (and mine!) and he shares his rescripting process for your money scripts Resources: www.YourMentalWealth.com - listeners are invited to take a free Money Disorder assessment - use the code: "mindovermoney" Make More Sales Masterclass Society of Self-Mastery - Free Facebook group  

Our guest today explains it all as his profession, Dr. Brad Klontz is an award-winning Financial Psychologist and a Certified Financial Planner. He works as an associate professor of Personal Financial Planning at Kansas State University, and a partner of Occidental Asset Management, LLC. It's a fee-only investment advisory firm in Northern California.  And I have known Brad for several years as I've been working in this field of money, and personal finance, and psychology of money, and when I was writing "When She Makes More", I called Brad and I said, "I'd love to interview you extensively for this book, because I think you're just a wealth of knowledge". And he said, "Hey, why don't we do a survey together?" And the survey was born, you know, months later and it was just an honor to work with him because this is his expertise. You know, really finding out what motivates people when it comes to their money? Why we do the things that we do? And it's all psychological. I mean, it's never about the money right? And so he has a lot of interesting insights and stories. And his story, his own story, is very, very interesting as well. We're gonna get to all of this during the show.  Just a little bit more about Brad. He is also the co-founder of Your Mental Wealth and the Financial Psychology Institute. He's co-authored five books on the psychology of money, and he received the Innovative Practice Presidential Award from the American Psychological Association. His work has also been featured in the Wall Street Journal, New York Times, Washington Post, among many other places. Several takeaways from our time with Brad: One, why we dislike rich people. You're gonna wanna hear that. Advice for couples that fail to see eye-to-eye over money, selling everything to invest in text stocks - something he did early on in his life, and of course he regrets it now. And the one investment, that he says, saved his marriage. .