Millennials and Gen Z face a financial reality unlike any previous generation. Your parents bought houses on a server's salary—so why can't you afford rent with a college degree?

Host Nate Astle, CFT™, M.S. and Tyrone White Jr., AFC®, CFT™, MSF get real about the unique financial challenges younger generations face—from crushing student debt to post-pandemic economic realities that feel nothing like what our parents experienced.

We're asking the hard questions: Why do student loans feel like a life sentence? How did the pandemic completely reshape financial opportunities for an entire generation? What happens when the American Dream feels more like a cruel joke? How is social media making our money anxiety worse? And why does asking for financial help feel so shameful when the system itself has changed so dramatically?

This episode digs into the emotional toll of modern financial stress and offers real strategies for taking back control—without the shame.

What We're Talking About:

The Student Loan Crisis - It's not just debt—it's a generational burden affecting relationships, mental health, and major life decisions. We break down how this crisis became so normalized and what it really costs beyond the monthly payments.

Post-Pandemic Financial Reality - The economic landscape shifted overnight, leaving millennials and Gen Z to navigate opportunities that simply don't exist the way they used to. We're talking about what this means for career planning and financial goals.

The American Dream Disconnect - When the traditional milestones (homeownership, stable careers, retirement savings) feel impossible to reach, how do you redefine success? We explore the gap between generational expectations and current reality.

Social Media Money Pressure - Instagram wealth, LinkedIn success stories, and constant comparison culture are wreaking havoc on financial well-being. Learn how to protect your mental health from the highlight reel.

Breaking the Shame Cycle - The most important part: how to stop blaming yourself for systemic problems and start taking actionable steps toward financial wellness, even when the odds feel stacked against you.

Key Insights:

✓ Your financial struggles aren't a personal failing—the system has fundamentally changed

✓ Student loans aren't just debt, they're a mental health issue affecting entire life trajectories

✓ Social media comparisons are toxic to financial wellness

✓ Small, intentional changes can create meaningful progress over time

✓ Seeking help isn't weakness—it's essential for financial health

✓ "Shame dies when we're vulnerable in safe places"

Remember: If you're struggling financially as a millennial or Gen Z, you're not broken—the system is. There's no shame in seeking support, and small steps toward financial wellness can create big changes over time.–––––––––Welcome to the Money Minus Shame podcast, powered by the Financial Therapy Clinical Institute. Here, we make money human. Our greatest hope is to eliminate shame from the financial experience and drive money conversations to be holistic and human first.To learn more about Money Minus Shame and the Financial Therapy Clinical Institute, visit:https://www.financialtherapyclinicalinstitute.com

Money talks can get messy when you add family to the picture. In this episode of the Money Minus Shame podcast, Host Nate Astle, CFT™, M.S. and Tyrone White Jr., AFC®, CFT™, MSF dive deep into the tangled web of family finances—from teaching kids about money to navigating inheritance drama and everything in between.We're tackling the big questions: How do you teach financial responsibility when you're still learning? Why do boys and girls get different money messages? What happens when adult kids move back home? How do you support aging parents without sacrificing your own financial goals? And why does inheritance bring out the worst in families? This episode gets real about the emotional side of family money decisions and offers practical guidance for healthier financial relationships.What We're Talking About:🔹Teaching Financial Responsibility

How do you actually teach kids about money when you're still figuring it out yourself? We break down the real challenges parents face and why being comfortable talking about money matters more than having all the answers.🔹 Gender and Money Messages

Boys and girls receive wildly different messages about money from day one. We explore how these early lessons shape financial behaviors and what parents can do differently.🔹 Adult Kids at Home

The shame, the financial strain, the complicated emotions—we're getting real about multigenerational living and how to make it work without destroying relationships.🔹 Caring for Aging Parents

When roles reverse and you become the financial caretaker, family dynamics get complicated fast. We discuss the emotional and practical challenges of supporting parents while managing your own financial goals.🔹 Inheritance Issues

Money has a way of bringing out the worst in families, especially when grief is involved. Learn how to navigate these sensitive conversations before they become relationship-ending conflicts.✓ Money often becomes the language families use to express deeper dynamics✓ There's no "right" way to handle family finances—every situation is unique ✓ Communication isn't just helpful, it's healing ✓ "Clear is kind" when it comes to financial expectations 🎧 Subscribe for more honest, shame-free money conversations 🔔 Hit the notification bell so you never miss an episode_____________________________Welcome to the Money Minus Shame podcast, powered by the Financial Therapy Clinical Institute.

Here, we make money human. Our greatest hope is to eliminate shame from the financial experience and drive money conversations to be holistic and human first.Hosted by Nate Astle and Tyrone White | Produced by Rei HaycraftTo learn more about Money Minus Shame and the Financial Therapy Clinical Institute, visit:https://www.financialtherapyclinicalinstitute.com

Money has a history—your history. Explore how past generations affect your money mindset on our new Money Minus Shame episode.

We’re taking a deep dive into the stories that shape us. In this episode of the Money Minus Shame podcast, Host Nate Astle, CFT™, M.S. and Tyrone White Jr., AFC®, CFT™, MSF delve into the concept of intergenerational money stories, exploring how our financial beliefs and behaviors are shaped by the experiences of previous generations.

They discuss the role of financial therapy in addressing these stories, the cultural and racial influences on money perception, and share personal anecdotes that illustrate the lasting impact of family financial histories.

Real-life examples, including stories of a grandfather's insistence on keeping receipts and a parent's DIY mindset, are used to illustrate how past experiences impact present financial behaviors.

Lastly, the hosts offer practical advice on exploring one’s money timeline and distinguishing personal financial values from inherited habits.This conversation sheds light on how financial therapy helps people uncover and process these passed-down money beliefs to gain better financial well-being.

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Key takeaways from this episode:

- We all have a story around money that shapes our beliefs.

- Intergenerational money stories influence our financial behaviors.

- Financial therapy helps us understand our money narratives.

- Cultural and racial backgrounds significantly impact money perceptions.

- Personal experiences with money can create lasting fears and habits.

- Exploring past generations' experiences can provide context for our own feelings.

- It's essential to distinguish between personal values and inherited beliefs.

- Practical steps can help individuals explore their money stories.

- Seeking professional help can aid in understanding financial anxieties.

- Acknowledging that money is a generational trauma can facilitate healing.

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Welcome to the Money Minus Shame podcast, powered by the Financial Therapy Clinical Institute. Here, we make money human.

Our greatest hope is to eliminate shame from the financial experience and drive money conversations to be holistic and human first.

This podcast is hosted by Nate Astle and Tyrone White and produced by Rei Haycraft.

To learn more about Money Minus Shame and the Financial Therapy Clinical Institute, visit:

https://www.financialtherapyclinicalinstitute.com

In this episode of the Money Minus Shame podcast, Host Nate Astle, CFT™, M.S. and Tyrone White Jr., AFC®, CFT™, MSF dive deep into the pervasive yet rarely discussed issue of financial infidelity. They share their personal encounters with the term, discuss its definition, prevalence, and the devastating effects it can have on relationships.

Emotional responses to financial betrayal can be intense and complex. It's important to allow space for emotions during recovery. Recovery from financial infidelity requires effort from both partners. Trust can be rebuilt, and there is hope for healing.

Nate and Tyrone provide insights into identifying financial infidelity, exploring its consequences, and offer practical advice for both the betrayer and the betrayed on how to heal and rebuild trust. Whether you’re familiar with the term or hearing it for the first time, this episode is packed with valuable information and encouraging words to help navigate this complex issue.

–––––––––Welcome to the Money Minus Shame podcast, powered by the Financial Therapy Clinical Institute. Here, we make money human. Our greatest hope is to eliminate shame from the financial experience and drive money conversations to be holistic and human first.

Money Minus Shame is hosted by Nate Astle and Tyrone White and is edited and produced by Rei Haycraft.To learn more about Money Minus Shame and the Financial Therapy Clinical Institute, visit:https://www.financialtherapyclinicalinstitute.com

Couples often fight about money and financial conflict is a leading cause of divorce, which highlights just how emotional money really is. Resentment can build up if financial conflicts aren’t addressed which can cause deep emotional pain for everyone involved.

In this episode of the Money Minus Shame podcast, Host Nate Astle, CFT™, M.S. and Tyrone White Jr., AFC®, CFT™, MSF delve into the complexities of money conflict in relationships. They discuss the emotional weight of financial disagreements, the importance of seeking appropriate therapy, and the signs that indicate when couples should consider financial therapy. The conversation also covers the sensitive topic of financial infidelity, highlighting its prevalence and the emotional fallout it can cause. Finally, they explore common conflicts between spenders and savers, emphasizing the need for open communication and understanding in financial matters.

Differences in spending and saving styles are normal and should be navigated with understanding and open communication. The truth is, the process of conflict resolution can be much more important than the topics of disagreement.

When seeking financial therapy, it's essential to find the right therapist who understands both relationship dynamics and financial issues. If you need help finding a qualified financial therapist, the Financial Therapy Association can help.

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Welcome to the Money Minus Shame podcast, powered by the Financial Therapy Clinical Institute. Here, we make money human. Our greatest hope is to eliminate shame from the financial experience and drive money conversations to be holistic and human first.

This podcast is hosted by Nate Astle and Tyrone White and produced by Rei Haycraft.

To learn more about Money Minus Shame and the Financial Therapy Clinical Institute, visit:

https://www.financialtherapyclinicalinstitute.com

#FinancialTherapy #MindsetMatters #FinancialWellness #MentalHealth #CopingMechanisms #FinancialFreedom

Financial trauma is more common than many realize. Guilt or shame can be misplaced due to trauma and avoidance is a common trauma response — especially when it comes to money.In this episode of the Money Minus Shame podcast, Host Nate Astle, CFT™, M.S. and Tyrone White Jr., AFC®, CFT™, MSF discuss financial trauma, looking at how common it is and how it affects people’s money habits. Financial shame is a feeling that can arise from traumatic financial experiences. Trauma can stem from both significant events and smaller, cumulative experiences. Coping strategies like mindfulness can help manage trauma responses and identifying the source of financial trauma is crucial for healing.Nate and Tyrone explain what makes financial trauma different from feeling ashamed about money, some signs that someone might be experiencing financial trauma, and ways to cope with it. It's important to knowing where our money beliefs come from and how our emotions play a role in our financial health. There's also great benefits in talking to financial therapists and finding community support to help deal with financial trauma effectively.–––––––––Welcome to the Money Minus Shame podcast, powered by the Financial Therapy Clinical Institute. Here, we make money human. Our greatest hope is to eliminate shame from the financial experience and drive money conversations to be holistic and human first.To learn more about Money Minus Shame and the Financial Therapy Clinical Institute, visit:https://www.financialtherapyclinicalinstitute.com#FinancialTherapy #FinancialWellness #CopingMechanisms #FinancialFreedom #FinancialWellbeing #PersonalFinance #MentalHealthMatters #FinancialEmpowerment #MoneyTalks #FinancialEducation

In this episode of the Money Minus Shame podcast, HostNate Astle, CFT™, M.S. andTyrone White Jr., AFC®, CFT™, MSF dig even deeper about the difficult topic of financial shame. They explain how guilt is different from shame, look at how our past experiences affect how we handle money today, and highlight the importance of being kind to ourselves when we feel inadequate about finances.

Financial shame is a common experience that many people face. Guilt can motivate change, while shame keeps us stuck. Shame often stems from societal and familial expectations. Recognizing shame is the first step to overcoming it and self-compassion is crucial.

Nate and Tyrone stress the need for safe places to talk about money problems and when it's a good idea to get professional help for deeper emotional issues. Throughout the episode, they share helpful tips and encourage listeners to recognize their own value and seek support as they navigate their financial journeys.

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Welcome to the Money Minus Shame podcast, powered by the Financial Therapy Clinical Institute. Here, we make money human. Our greatest hope is to eliminate shame from the financial experience and drive money conversations to be holistic and human first.

This podcast is hosted by Nate Astle and Tyrone White and produced by Rei Haycraft.

To learn more about Money Minus Shame and the Financial Therapy Clinical Institute, visit:

https://www.financialtherapyclinicalinstitute.com

Welcome to the Money Minus Shame podcast, powered by the Financial Therapy Clinical Institute. Here, we make money human. Our greatest hope is to eliminate shame from the financial experience and drive money conversations to be holistic and human first. In the inaugural episode of The Money Minus Shame Podcast, Host Nate Astle, CFT™, M.S. and Tyrone White Jr., AFC®, CFT™, MSF delve into the complex topic of financial shame. Financial shame is a common experience that many people face. Guilt can motivate change, while shame keeps us stuck, and recognizing shame is the first step to overcoming it. Self-compassion is crucial in combating feelings of shame, and talking about money in safe spaces can not only reduce shame but find support. Past experiences can affect the way we handle money today, and it's important to be kind to ourselves when we feel bad about our financial situations. Nate highlights the importance of having those safe spaces to talk about money problems and when it might be a good idea to get professional help for bigger emotional issues. Throughout the chat, they hosts share practical tips and encouragement for listeners to understand their value and to seek support as they navigate their financial journeys. To learn more about Money Minus Shame and the Financial Therapy Clinical Institute, visit: https://www.financialtherapyclinicalinstitute.com/ #financialeducation #financialtherapy #mentalhealth #emotionalwellbeing #moneymanagement #moneymanagementskills #personalfinance #trauma