As a former financial adviser who's worked with hundreds of people around money, one of the biggest barriers to good financial management isn't the lack of knowledge - it's that gap between knowing what you should do and actually doing it. This gap is created by overwhelm, decision paralysis, fear that money will run out, or shame from comparing yourself to others. This is where AI, when used properly, can remove that friction in ways I've never seen before.

Today, I'm sharing my personal framework for building an AI money coach - not just using ChatGPT for random questions, but creating a personalised tool that actually improves your financial decisions. I'm diving into the three essential elements (context, cues, and clarity), what AI can and cannot do with money, how to build safeguards so you're using it effectively not dangerously, and the exact prompts I use - because the future of personal finance isn't about replacing humans with AI, it's about using AI to bridge the gap between knowing and doing.

00:00 Bridging the Knowledge-Implementation Gap in Finance

02:48 The Role of AI in Financial Management

06:08 Building Your AI Money Coach: The Framework

08:55 Context: Understanding Your Financial Situation

12:09 Cues: Decision-Making Frameworks for AI

18:01 Clarity: Setting Boundaries for AI Interaction

29:56 Practical Steps to Create Your AI Money Coach35:46 The Future of AI in Personal Finance

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Learn more about the 3 Prompts Framework Here - AI Dream Team Playbook

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Listen to me interview Natalie about AI and the future of money here

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Reveal and Heal The Inherited Money Patterns Keeping You Stuck with the 5 Hidden Money Beliefs Framework Guide

Have you ever noticed that no matter how hard you work or how skilled you become, you seem to hit the same income ceiling over and over again?

There's a fascinating concept in financial psychology called your financial set point - an unconscious income limit that most of us cap at roughly the same level our parents earned when we were growing up. When you try to exceed this invisible ceiling, your brain literally hits the emergency brake, triggering self-sabotage, guilt, or an overwhelming sense that you don't deserve more. I experienced this myself when my mum saw my bank statement showing over £50,000 in one month and I immediately downplayed it, feeling this deep shame about earning more easily than she ever did.

Today, I'm unpacking why your childhood money environment is a stronger predictor of your financial success than your education or business skills, how unconscious loyalty patterns keep you stuck at your parents' income level, and the four essential steps to gradually expand your nervous system's capacity to hold more wealth - because breaking these patterns isn't just about you, it's about resetting the entire financial landscape for the next generation.

00:00 Understanding Financial Set Points

07:08 The Impact of Childhood on Financial Success

12:52 Identifying Signs of Financial Self-Sabotage

17:39 Breaking the Cycle of Financial Limitation24:48 Tools for Regulating Financial Anxiety

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Reveal and Heal The Inherited Money Patterns Keeping You Stuck with the 5 Hidden Money Beliefs Framework Guide

Check out The Body Of Wealth

Listen to The Psychology of Wealth: How to Start Thinking Rich and How to Change Your Beliefs About Money with Dr. Brad Klontz

What if the financial freedom you've been told is the one thing you should be focusing on - the independent, the self-sufficient, the doing it all for yourself - is actually the very thing that's been keeping you from the enriched abundant life you're perhaps seeking?

On today's show, I want to talk about financial freedom, and it's so interesting that every single book in the personal finance space, including my own book "It's Not About the Money," refers to this topic as a very individual pursuit.

I'm exploring why everything we've been taught about financial independence might actually be the very thing stopping us from creating a better life for ourselves and for others around us.

00:00 Rethinking Financial Freedom

02:35 The Balance of Masculine and Feminine in Money

05:42 Challenging Traditional Financial Paradigms

08:03 The Shift from Independence to Interdependence

10:47 Embracing Community and Collective Wealth

13:12 The Future of Financial Relationships

15:50 The Power of Asking for Help

18:24 Interdependence as a New Paradigm

21:15 Exploring New Financial Models

23:41 Invitation to Collective Action

Get my FREE book 'It's Not About The Money'

Take the Money StoryTypes® Quiz

Sign up to my FREE Newsletter

Become a Certified Financial Coach

Reveal and Heal The Inherited Money Patterns Keeping You Stuck with the 5 Hidden Money Beliefs Framework Guide

Check out The Body Of Wealth