Episode 362: Money Shame, Self-Worth & Subconscious Beliefs: Rewiring Your Wealth Mindset
Listen on Apple Podcasts | Listen on Spotify
Today’s episode of The Funktional Nutrition Podcast is a little different — Erin is bringing back a past show that struck a chord with so many listeners, and it feels more relevant than ever. It’s the only episode she’s ever recorded on the topic of money, and she’s re-releasing it to explain exactly why it deserves a second listen. This isn’t just a conversation about finances — it’s about how we view ourselves, our worth, and where those beliefs come from. It’s a powerful message for everyone, but especially for those who are used to putting others first: moms, caretakers, over-functioners — this one’s for you.
The episode also dives into something deeper: how we shape our reality based on the beliefs and narratives we consume. In a world flooded with fear-based and limiting messages (particularly around the economy), it’s easy to fall into a mindset of scarcity and self-doubt. But Erin reminds us that when we train our minds to seek out evidence of possibility — not limitation — everything starts to shift. This is exactly why she created Manifest Your Wealth, a program returning June 1st by popular demand. If you’ve ever struggled to see yourself as a worthy investment and want to understand why that is — this episode is your pep talk… or maybe even your full-on pep rally.
In This Episode:
Why women are more likely to feel guilty investing in themselves, and how to flip the script
How subconscious beliefs formed in childhood secretly limit your financial potential
The emotional connection between receiving support and feelings of shame
How to recognize if you’re permission-seeking OR self-trusting with money decisions
Why building wealth is about rewiring your brain, not just earning more income
Resources Mentioned:
Funk’tional Nutrition Academy™
Organifi supplement powder (save 20% on your order with code FUNK)
LMNT Electrolyte Replenishing powder (Use code FUNK and get a free sample pack with any purchase!)
Qualia Senolytic (get up to 50% off and an extra 15% off your first purchase with link + code FUNKS)
Bon Charge (Use code FUNK to save 15%)
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Erin Holt:
Our money relationship brings us into direct contact with a whole range of deep, complex themes, including our relationship to pleasure, abundance and thriving, how we access feelings of enoughness and safety, our capacity to feel worthy and valuable, our self confidence, self reliance and resilience, and our ability to get vulnerable and ask for help. I'm Erin Holt and this is the Functional Nutrition Podcast where we lean into intuitive functional medicine. We look at how diet, our environment, our emotions and our beliefs all affect our physical health. I've got over a decade of clinical experience and because of that I've got a major bone to pick with diet, culture and the conventional healthcare model. This show is for you. If you're looking for new ways of thinking about your health and you're ready to be an active participant in your own healing, I would love for you to follow the show, rate, review and share. Because you never know whose life you might change. Hey all you cool cats and kittens.
Erin Holt:
Today I am re releasing parts of an older show that I recorded over a year ago. This is a brand new introduction. These words that you're listening to right now, brand new because I want to explain why I am intentionally choosing to re release this episode, the only episode I've ever done on money. And you might be asking, especially if you're new here, why is there an episode on Money on a health podcast podcast, which would be a great cue. Great cue. There's two main reasons for this, and the first has to do with a pep talk that I recently gave a friend who's having some health issues and she knows that she needs support, but she told me she feels guilty spending that kind of money on herself. That's what she told me. And I said, girl, no, it is time for a pep talk turn into a pep rally and I'm going to share that with you.
Erin Holt:
There's a huge difference between spending and investing. The way I look at this is the ROI on me is high, the return on investment on me is high, meaning when I invest in myself, there is always a win or a reward on the other side. Always. And that is true whether I'm investing in my health, my mental health, my personal growth, or my business. And by the way, this was true when I had two nickels to rub together when I'm talking about investing. Investing can of course be cash money, but it can also be time. It can be energy, it can be care, it can be attention. And I know that when I put any of these things into myself, I'm going to get something out of it.
Erin Holt:
I'm leaving with something. And that's because I see myself as a worthy investment, not as a risky gamble. And in today's show, all the way to the end, this is one you're going to want to listen to. All the way through, I talk about why women struggle to see themselves as a worthy investment, why women are so much more likely to see themselves as a risky investment, and how that can really impact us in what we're capable of. And if I had a nickel for every time a woman told me that she felt guilty about, quote, unquote, spending money on herself, on her health, on her livelihood, on her vitality, I'd have a lot of nickels. We invest in things that we expect to see a return on you, dear listener, you have to start seeing yourself as a worthy investment. So I'm talking to my highly ambitious people. I'm talking to my moms, my caretakers, my over functioners, people who are so used to taking care of everyone else, it's time to take care of you.
Erin Holt:
In order to do that, you have to, you can and you must start seeing yourself as a worthy investment. So number one, re releasing an episode on Money because of that. Number two, the second reason I wanted to pull this front and center, it's the economy. And I am not going to lean into any fair based narratives about this because quite frankly, you're probably getting enough of that and you don't need that here. But there's a lot of talk and there's a lot of collective fear about money. Right now everybody's money stuff is getting lit up. So I thought, hey, perfect time to pull out the episode, the Money episode. This time feels really similar to me that Covid, like the 2020 time did, in terms of just the unknown, the uncertainty and the fear, the collective fear that people are feeling.
Erin Holt:
Our human minds really like to know what to expect. So anytime we don't know what to expect, we're immediately pitched into fear and anxiety. So it's similar stuff. And I remember five years ago making the conscious choice to kind of unplug myself from the collective fear. Not in a way that was bypassing anything that was going on, not in a way that was ignoring anything that was going on. Certainly not in a rose colored glasses, but I recognized at that time that it wasn't serving me or any of the people that I serve to be plugged into that fear all of the time. And it feels pretty similar now. It's my job, just like it's your job.
Erin Holt:
It's my job to Protect my energy and train my mind to see more of what I want to see. I talk a lot about self directed neuroplasticity here on the show. You are the self that is doing the directing in that equation. And if you don't, someone else will. We are very porous. We recently went to the Bahamas for a family vacation and my daughter was pulling coral out of the ocean and the white coral dried out. It's a very porous substance. We're all like coral and we're going to soak up anything that we're surrounded by.
Erin Holt:
So if I am constantly surrounded by messages that are fear based, that are limiting, or even that are just realistic, like that's not reality, babe, like that's not realistic, if I'm surrounded by those messages, I will fall to that level and I will see more of that in my reality. If on the other hand, I'm surrounded by messages that tell me possibilities are limitless, I will rise to that level. And I think that's probably true for most of us. And so it's up to us to seek out those messages, those expansive messages as a way to counteract some of the fear based messages. And that's what I consciously chose to do during COVID times. And I look back always on that time and I'm so grateful that I made that choice. And so right now I have to actively make the same choice. I could fall to the level of all the fear or I could really choose to tune into messages that tell me anything is possible and that's what feels the best to me.
Erin Holt:
And that's where I'm going to lean. Right now. We're surrounded by a lot of limiting ideas, a lot of fear based ideas. And it takes extra work to counteract the messages that we're constantly hearing, right? Especially if they're self limiting ideas. Ideas telling you that you can't have or do or create what you want. And we always have the option of subscribing to that as truth. But and also we have the option of looking at that and saying, hey, that doesn't have to be true for me. So if somebody says something to you as fact and that doesn't feel good to you, you have the option to reject that and tell your mind that doesn't have to be true for me.
Erin Holt:
So when these ideas, these limiting ideas come up, we get to ask ourselves, would I rather collect evidence that that is true or would I rather collect evidence that that is not true? Because there's always evidence on both sides. And so it's up to us to train our minds, to show us more of what we want to see. And that's esoteric. That's just literally how the mind works. So knowing that a lot of this is going on and I'm having a lot of these conversations with a lot of people, I want to bring forth not just this episode because I think it can be helpful for you to understand some of your money stories, especially if they're being super lit up right now, like where they come from. And does that still work for you? Is that something that you want to explore and unpack and change? But also I want to bring forth Manifest your Wealth. Manifest your wealth was a program that I created and taught last year. We had about 250 people go through the program.
Erin Holt:
It was such an incredible experience and I've got a lot of requests to open it back up. And so we decided that we're going to go ahead and reopen it. And we're starting June 1st. We're kicking things off June 1st. It just feels like the exact right time to finally reopen this program. And I want to bring it forth now as a way to counteract some of the messages that we're hearing about money, about the economy. And if you're in a really fear based state, I think that this can be a really helpful experience for you. We get to reset ourselves back to neutral.
Erin Holt:
That way we can plug in and program in the messages that actually feel good, rather than just constantly taking the ones that do not. So if you're just here for health stuff, okay, this episode might not be for you, but when I published it last year, holy smokes, did I get so much incredible feedback. I was actually very nervous to release this show and a lot of you came out of the woodwork to tell me how much you appreciated this podcast. So I hope that that is still true just over a year later. And if you want to pick up on where this podcast leaves off, that's where Manifest yout Wealth comes in. And you are more than welcome to sign up. I will link that up in the show notes. Without much further ado, here is the show.
Erin Holt:
Hello, my friends. Today we're going to talk about money. So let's just, let's just get that right out of the way. That's what we're talking about here. I have been going back and forth about this for over two years now. I obviously talk about money in earning and receiving in abundance with my business coaching clients and with my practitioners within fna, the Functional Nutrition Academy. But it's not a conversation that I've really brought to the big state. I recently polled my friends on Instagram, my old faithfuls, my old trustees, and everybody over there said they're into it.
Erin Holt:
Well, the vast majority, not everybody, but a lot of lot of folks said that they were into it. So we're gonna do it. We're gonna have the conversation about money, and I'll start off by explaining why we're talking about money on a health show. I'm gonna introduce manifest your wealth, which is a new offering that I have. I'll talk about what that's all about. Then we're gonna get gonn personal money story and how your beliefs about money are created. We'll talk about women in wealth, our collective money story, why a lot of us are kind of like, effed up around this topic and why it might feel like, oh, my gosh, she's talking about money. How inappropriate, how wild, how crazy.
Erin Holt:
That's by design. So let's talk about why we feel that way. And then we're going to talk about how to shift your money framework so that you can expand what you think is possible and reach your goals. Okay, sounds good. Let's go. Somebody in the functional nutrition collective recently just said this to me. She said, I'm of the mentality that how you do one thing is how you do everything. How we show up in one area of our life is likely to be the same in another.
Erin Holt:
And what's blocking us on one level, like love and relationships, can be seen in the realm of money. Both places where we tend to source and measure worthiness. And I'm like, is this a poem? This is beautiful. Also, I wholeheartedly agree, because we have so much that is woven into our relationship with money. Barry Tesler, who wrote the book the art of Money, she said that money is directly tied to our most primal survival needs, food in our bellies and roofs over our heads. This is why money can be such a vulnerable part of life and why financial stress can even trigger feelings of physical peril. But safety is only one of the deeper issues we may discover when we scratch the surface of our quote unquote money stuff. Our money relationship brings us into direct contact with a whole range of deep, complex themes, including our relationship to pleasure, abundance, and thriving, how we access feelings of enoughness and safety, our capacity to feel worthy and valuable, our self confidence, self reliance and resilience, and our ability to get vulnerable and ask for help.
Erin Holt:
So, woof. I completely and I totally agree. And with that Said, I do think this conversation needs to be brought to people beyond just practitioners or business owners. There's always room to improve your money mindset, no matter who you are, what you do. Most people are not immersed in having these discussions, in talking about money. And so introducing the concept of money manifestation is like a whole new world that many people don't even know exists. The energy of money, viewing money as a neutral resource that we can attach our own meaning to. I didn't know about that.
Erin Holt:
I didn't know about that until I discovered it, until it was taught to me. And so I want to pay that forward and talk about it. Continue to teach other people that this gets to be true for you. And I know, I know it can be considered tacky and conceited and cocky to talk about this stuff. And we're going to get into the whys behind all of that today. There are for sure societal messages that tell us it's not okay for women to talk about money. But if we're not allowed to talk about money, how can we ever get good at money? So this is the biggest game changer for me was actually putting myself in places and spaces where women were talking about this stuff, where it was safe for us to do so, where we weren't being told like, nope, that's inappropriate. That's egotistical.
Erin Holt:
That's not for you. You know, shut your mouth, sit down. We're not allowed to talk about that. So I got to see what was possible for me. I got to see that expanding what I believed to be true about earning, about money, about wealth was possible for me. That was put on the table as an option for me. Before that, I felt very limited around money. I felt very uncomfortable.
Erin Holt:
I felt very not capable. Capability was a big one for me. A big one for me. I felt awkward, I felt clumsy, I felt embarrassed, I felt shame. My palms would get sweaty and my heart would beat faster every time I had to talk about money. Ask for a financial exchange, like sign a contract. Ask somebody else to sign a contract. Anytime I had a look at my bank account.
Erin Holt:
I never did that. I never did that. I would avoid any and all mail that were bank statements or bills. That's a bit of a vulnerability. Share. I would not open my mail. I would see it and I. It would stack up and stack up and I would feel like an increasing anxiety just like mount up in my chest.
Erin Holt:
But I just couldn't look at it. I couldn't do it. I was running a program that said, I can't Cope. I cannot cope with this. And that's exactly what's happening. The brain is running a program. And whatever program your brain is running that will get you back to where you were yesterday. So if my brain is running a program that I can't cope, I'm not good with money, I can't handle this, then the next day I'm going to wake up and run that very same program.
Erin Holt:
Unless. Unless I interrupt the pattern. We have to interrupt that program. We have to interrupt those storylines. We have to interrupt those beliefs. It will be Groundhog Day every day until we choose to rewire. Rewire the beliefs and rewire the programs. And this stuff takes time.
Erin Holt:
Just to be very clear, reprogramming your brain takes time. It takes repetition. But the more you take in messages, the more you take in content that supports the new program, your new way of thinking, your new way of believing, your new way of seeing, then the more that strengthens the new story. So in order for me to change, because I'm not somebody who avoids this stuff anymore, it is not a source of shame for me at all. But in order for me to get here, I needed to be baked into the casserole of hearing these messages over and over and over, the new story messages. And so that's exactly what manifest your wealth is going to be. And I have to shout out Kara, who is an FNA grad because she came up with the name. For those of you who are familiar with my work, I have a program called Manifest your health.
Erin Holt:
And so this was such a layup, but I didn't even see it. So much gratitude to Kara because what an appropriate name. I love it. So manifest your wealth. It's going to be a 20 day audio training series. This is by design. I do not want this to feel overwhelming to you. I do not want it to be another course that you purchase that just like sits on your computer.
Erin Holt:
I want this to be interactive experience. Like, and by interactive, I want you to be able to interact with it while you're out there living your life. So they're going to be shorter lessons. It's not going to be like an hour every single day, but I do want you to come back to this every single day for the 20 days. So they're going to be shorter lessons. I don't want them to be too long. I want you to actually have time for this and to be able to integrate and implement these things now. And that's the thing.
Erin Holt:
I want you to implement it now. So it is designed exactly that Way last summer I did this, it was like a mini course and it was delivered on all through podcast. And I'm like, oh, this is a private podcast feed. So you have to, you got to purchase it and you got to access to this private podcast feed. And I thought, oh, this is interesting. I wonder what this is all about? And I freaking loved it because I just popped it into my ear when I went for my walks or while I was folding laundry or doing the dishes, whatever. And I don't know why I said doing the dishes. I don't do the dishes.
Erin Holt:
Scott does the dishes. I never do the dishes cooking. That's what I did. I did, I listened to when I was cooking. But the point is I could listen and re listen and re listen and they were like in these little bite sized chunks and it was amazing. And so that's what I want to produce for you because it was such a positive and enriching experience for me. So manifest your wealth is going to get into the energy of money. Money mindset, very specific money manifestation practices.
Erin Holt:
We'll talk about specific reframes and belief shifts, how you are programmed, how to deprogram and set new programs. We're going to get into wounds, triggers and competition. That's a big one. Big one, big one, big one. We're going to get into value versus worth. We'll get into expanders, how to create your abundance anchors. So anytime you're in a moment of oh gosh, I feel lack and I'm being triggered into my wounding. Okay, we've got this anchor so we can pull up those feelings of abundance.
Erin Holt:
We will talk a little bit about how to structure offers and setting aligned prices for your services. If you are somebody who does that, if you need that, there'll be a module on that. What to do when it's taking a long time. Maybe you're not new to manifestation. Maybe you're like, yeah, I've been doing this but sometimes we're trying to call things in and it just feels like it's taking forever. Like what gives? What is the deal? Why are some things so easy for me to attract and I really struggle with other things. We will talk about appreciation versus expectation. That's a big one.
Erin Holt:
The energy and spending or the energy of spending and investment. How to spend money without feeling guilt or shame. That's a biggie. We'll talk about money in your nervous system. And then I do want to share some very specific game changing books that I have read about money. So all of that is going to be baked into the curriculum. And essentially I will teach you how I renegotiated my entire relationship with money, with receiving, and with abundance. Over the past, I would say like 5ish years, I've been working on this in earnest.
Erin Holt:
And so this is how I took my company from under six figures to over seven figures in just a few short years. Is the work that I do good? Yes, it is. I can say that with conviction. But also I had to get my belief behind the fact that the work that I do is good and I had to change my energy and my mindset in order to attract more abundance into my life. So it's not just about the money. I will say that not everybody is motivated by money, but a lot of us, especially in the health and wellness field, we are motivated by impact. We want to make a big difference. We want to make a change.
Erin Holt:
And these shifts will allow you to do this. You know, it's the same principles, it's the same mindset, it's the same mentality whether you're making money or a big impact or both. So I'm going to talk about what I did and how I did it with transparency. Okay, podcast buddies, I want to take a sec to shout out Organifi Green Apple juice. Yum. It's like a healthy apple juice with all the benefits of the original green juice. If you don't love the taste of the original green juice, this one is for you. It's made with organic apples that are hand picked Golden Delicious, Northern Spy, Macintosh, Ida Red and Empire.
Erin Holt:
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Erin Holt:
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Erin Holt:
I have so much to say. I have a mouthful of things to say about this topic, but I am trying to keep this episode to an hour. So I'm not going to get into the energy and the frequency of money or specifically how to manifest and call in and attract today. That's what we're going to get into in the course. But what I'm going to get into today is more belief systems. Because it is our subconscious beliefs that creates our self image and it's our self image that creates our actions and our feelings. And it's this that creates what we attract attract. When we expand the self image, we expand what we view to be possible.
Erin Holt:
We expand the area of possible. And so we do have to start here. So today we'll be talking about our personal money stories, our collective money stories, and why all this stuff creates the framework for what you believe around money, why you have to be aware of this in order to create a different relationship to money, to wealth, and to receive. We all have money stories and money narratives. We have this collective money story that we all sort of collectively buy into and that's based on the culture or the society that we live in. We also have a personal money story based on how we were raised, what our upbringing was, our own unique experiences in life. And so we need to look at both of them to understand why we believe what we believe about money. Because people have a relationship with money based on what they've been told, based on what they've experienced.
Erin Holt:
So we have to unpack all of this as our starting point. So let's start here. What stories are you telling yourself about money? So a little, little inquiry, little mini self inquiry. If you had to think about money, your beliefs about money, what stories do you tell yourself about money? What do you believe? What do you think? What do you feel about money? That can be money in general or your own previous experiences with money. Another good one to ask is what do you believe, think and feel about people with money, it's so important that we analyze these stories. We ask like, huh, where do these ideas come from? And also, how are they impacting me? Are they impacting me in positive ways? Or are they impacting me potentially negatively? For example, if you tend to judge people with money, that is a surefire way to signal to your subconscious mind that it's not safe for you to receive it, because if you receive it, you will be judged. That's like setting up that framework. So we want to unpack what we feel about money, what we believe about money, and is that supportive of our overall experience? Or maybe not so much.
Erin Holt:
There's a huge list of questions that I will give you in Manifest yout Wealth, where we kind of let, like, unpack a lot of different things and then we look for themes and that helps us narrow down what our beliefs are and what specific beliefs do we need to rearrange? But for now, this is a fantastic starting point is these questions that I'm posing to you. You can ask, what is your current relationship with money? Describe it. This might be a good journal prompt for you. How do you feel about earning, spending, saving, giving, borrowing, loaning? It's important that we identify our emotions around money because how we feel is the point of attraction for what we're calling in. Again, we're not going to get into like the manifestation stuff here, but that is a critical concept for you to understand. So not just like, what do I think about money, but when I think about these things, how does that make me feel? What's the experience on a body level? So really great starting point. Another question to ask yourself is, do you have any specific money memories, things that just occupy space in your brain or things that you just remember? Here's a great example. When I, I think I was.
Erin Holt:
Oh, gosh, I was younger. It was probably somewhere between kindergarten and second grade. And I remember being at the grocery store in the checkout line with my mom, and she was using food stamps as a way to pay for our groceries. Now, my mom was a single mom of three children. She was raising us. She was working, and she was putting herself through school. So there was a short period of time where she was receiving assistance. And I remember at the grocery store, at the checkout line, her just like breaking down in tears.
Erin Holt:
And she didn't want to have to receive the support. She felt shame, she felt embarrassed. She felt like a failure. And I don't remember, I don't know if she said something to me, but this is like one of those Memories, that's like snapshot. The stronger the emotion that we feel in any experience in our life, the more the brain kind of like freeze frames that and it captures that as a memory. Whatever was happening there, it was a big emotion for me. It was obviously a big emotion from her. And I, you know, definitely was plugged into my mom's emotions.
Erin Holt:
So I probably captured that as me. But point being it like my brain went, remember this? And so what I took from that later in life is that accepting support is something to feel shame around. So every time in my adult life, every time there was a moment that I could accept support, I immediately felt shame around it. Every time I had to accept support, I felt shame. So receiving support and shame were neurally networked together in my brain and in my little body at a very, very young age because of this money memory that I had. Another example is there was this financial cap that I had unconsciously placed on myself and it was based on a number that I had heard when I was in second grade. Now you might notice a theme here. A lot of these money memories may come up from a very, very young age, seven or before.
Erin Holt:
And I'm going to explain why in a second. So I again, I was not aware of this cap. It was a subconscious thing. And I didn't realize that it was like a thing, capital A, capital T, a thing until I hit that number in my business. And all of a sudden I felt super destabilized and not necessarily in a bad way. I just fe, like turned upside down. I was just like, why? I feel weird, what's happening? And so it forced me to look at the whys. Like why hitting this number, this like random arbitrary number.
Erin Holt:
Because it wasn't like a, it wasn't like I hit six figures, I hit seven figures. It was, it was not that. It was a very random number, you know, to somebody else, but not random to me. So I wanted to understand like why, why is this so debasing all of a sudden? It forced me to look at all of the dynamics that were. And I remembered I had to ask my mom and I'm like, hey. But I remember this number being said out loud and I heard it and it was kind of like the epitome of success I had. My brain, you know, my little seven year old brain went snapshot, remember this number? I didn't consciously remember it, but it was, it was back there. It was back there.
Erin Holt:
And it didn't get pulled up to the surface until I hit that number. And so I Had up until that point been telling myself that I wasn't capable with money or I was only capable of earning so much. And so when I passed this imaginary threshold that really only existed in my subconscious mind, it created a rub, it created a friction point because it was rubbing up against my belief of what I thought was capable. Like, oh shit, I just hit that number that I have attached success to my whole life. I guess this means I am capable of success. And so it activated a wound for sure. But it also, as wounds do, as triggers do, it also created an opportunity to look at that belief, to challenge that belief, to rearrange that belief and to choose a different path for what I thought was possible for myself. So we all have these unconscious money stories playing out, out all the time.
Erin Holt:
And as a little refresher, I know that I've talked about conscious mind, subconscious mind on the show before, but the conscious mind is what we're consciously aware of. That runs estimated like 5 to 10% of the show, whereas the subconscious mind runs the rest of it, you know, maybe like 90ish percent. And it works quicker than the conscious mind. It's more automatic, it's more linked to our survival mechanism. So the example that I always use, you can be walking through your yard and you can see a coiled up green thing and jump back because you're like, ah, snake. And then when you look at it, you realize it's just a coiled up garden hose. That's the subconscious mind triggering the fear response before the conscious, logical, rational mind has a chance to catch up. And so the subconscious mind isn't sitting around waiting for your consciousness mind to catch up to it.
Erin Holt:
So an example of this in the money world, I go to check out at the grocery store or at like another store and I have a moment of panic that my card is going to get declined. It's not based on logic or reason because I know I have enough in my account to cover that expense. It's that first instinct that happens before the logic can kick it. There's a program running, there's a subconscious program running. And so we are programmed between the ages of 0 to 7. And you know, some would argue that it actually happens before zero. Not the point of today's show, but I subscribed to that belief as well. But the ages of 0 to 7, we are highly programmable.
Erin Holt:
We are in suggestible hypnotic states. The doors between our conscious and our subconscious mind are open. There's no real system of critical thinking or discernment. So we are, because like the, the analytical mind doesn't like really fully form, finish developing until the age of like 7 to 12. So anything that we see here or experience in the ages of 0 to 7, we believe it and we accept that information as though it, it's the truth. And so these messages, the things that we see, hear, you know, sense can come from our parents, it can come from our caregivers, it can come from society at large, it can come from siblings, friends, peers, our friends, parents, community, school, church, religious values, teachers, instructors, coaches, tv, movie media. So in order for us to understand our own stories, our own programs, our own beliefs, present day, we have to look back to that time frame and say, what was modeled to us then? You know, what was modeled to you about money? What was shown to you, what was told to you? Because whatever we were modeled from those ages 0 to 7, it's essentially going to get locked in as a program or as a truth to our subconscious mind. And programs are not always bad, just to be clear.
Erin Holt:
Like, tying your shoe is a program. Driving a car is a program. Imagine if we had to use conscious effort every single time we had to tie our shoes, every single time we had to get behind the wheel, every single time we had to like make oatmeal for breakfast, right? It would take a lot of time and energy. So programs aren't always bad or always negative, but they're not so great to have in place when we're actively trying to make change. If we want to change the way that we see an experience, thing, we do have to understand, unpack and rearrange our programs. Okay, so whatever you heard, whatever you saw, whatever you experienced about money in those formative years, that becomes your subconscious foundation, that becomes the program that you run as absolute truth about money. Money is this period and it creates the entire framework for what you feel to be real and true. This is how the subconscious mind influences our reality and how we perceive the world.
Erin Holt:
And it's also why that different people perceive the world in different ways and have different experiences. It's based on a lot of this stuff foreign. So I'm not a huge fan of the term anti aging, because aging is a privilege and something to celebrate. However, I do want to continue to look and feel good as I age, which is why I take Qualiathenolytic, the first of its kind formula designed to help your body naturally eliminate senescent cells. These are a big culprit behind that middle aged feeling. They're also known as zombie cells. And when they accumulate, they can lead to less energy, slower workout recovery, joint discomfort and basically disease. Just feeling old Qualus analytic is something you only have to take two days a month.
Erin Holt:
I line them up for myself and my husband so we can both age better at the cellular level, feeling more youthful and energized. To experience the science of feeling younger, go to qualife.com funk for up to 50% off your purchase and use code Funk for an additional 15% off. That's Q u a l I a life.com fun f u n k for an extra 15% off your purchase. Your older self will thank you in to Qualia for sponsoring this episode. I am so excited to announce a new sponsor with you guys. Bon Charge. I love this brand. They make the most incredible products and the one that I've been using and loving for the past six months is their red light face mask.
Erin Holt:
The past few years my rosacea and the redness on my face has gotten worse. Now you guys know the deal. Skin is an inside job. Our gut health, what we're eating really impacts the health of our skin. So we do have to support our skin internally, but it can also be supported externally as well. And that's where the Bon Charge red light face mask has come in for me. I use it about three to four times a week, 10 minutes a pop. It's super easy.
Erin Holt:
I do it first thing in the morning and I have noticed less redness and even a more even skin tone. Other things that the red light mask can help with are fine lines and wrinkles, acne, eczema, sore jaw and migraines. Red light therapy is awesome. It's hugely researched. There's thousands of peer reviewed studies on it. So if you want to take advantage of red light therapy, go to boncharge.com and use the coupon code funk to save 15%. That's B O N C-H-A-R-G-E.com and use coupon code funk to save 15%. Now another way that we are programmed is through societal narratives.
Erin Holt:
And man do we have a lot of societal narratives around women and wealth. So we can adopt this collective money story. Our tends to be pretty riddled with shame. A lot of women feel shame around money, shame about what we earn, whether it's too little or too much, about what we spend, about debt, shame around investing, especially around investing in ourselves or many of us feel like I'm not good with money. You know, that was definitely one of mine. As I've shared, I'm not good with money. Is like the same thing as saying, I don't trust myself with money. This is a game that is not meant to be played by me.
Erin Holt:
There is a tendency for many of us to go into vagueness or avoidance. That's like me not checking my mail, not looking at my bank statements won't do it. That's avoidance. There is a tendency for people to say, well, money is just not that important to me, and totally fine. If money is not your primary driver, I completely understand that. But. But sometimes this is a bit of a defense mechanism because money can activate us directly into our wounding. And it's painful to look at our wounds.
Erin Holt:
It's painful to sit in our wounds. And so sometimes saying, money's not important to me, it's not that big of a deal. That's not why I'm here. I don't need to know about that stuff. I don't. That's not me. That's not me. Not a big deal.
Erin Holt:
Sometimes that is actually just a way to avoid pain. Not always, but sometimes. Rachel Rogers said in and if you are looking for ways to rethink your relationship to money and wealth, her book is phenomenal. Rachel Rogers says women have effectively internalized the messages that our society sends them about money. And the result is that the primary emotion so many of us feel about money is shame. So what does she mean by internalized messages that our society sends us? Yes, let's take a bit of a look at that. It wasn't until the 1960s that women had a right to open their own bank account. So before then, you.
Erin Holt:
You weren't able to open your own bank account. 1974, women could have a line of credit on their own. 1974. Before that, you could not open up a line of credit on your own. And just for some context, my friend, friends, my husband was born in 1976, so I know that this seems like a long time ago, but it's like, it's not that long ago. The Equal Credit Opportunity act was passed in 1974, and it prohibited lending discrimination based on sex or marital status. Before this, women couldn't start their own businesses, access higher education, make big purchases without the cosign of the of a man. So you'd have to have like, your husband or your daddy come to the bank with you and be like, yep, she's legit.
Erin Holt:
Otherwise nobody was taking you seriously. Nobody. You just couldn't access money. So of course, we still carry some of these beliefs around with us. Whether that's like, consciously or subconsciously, you Know, something that I hear pretty often, like present day, you know, 2024, is I just have to ask my husband first or people when I'm asking, like, hey, what do you want me to address on the show? People will be like, how do I get my husband on board with spending money on health or spending more money on groceries or buying organic produce? So it sort of reinforces this idea that men get the final say when it comes to finances because we're not really equipped to handle any it. The men make the important financial decisions because we as women can't handle it. You know, and I totally understand wanting to talk it out with your partner or your spouse before you make a financial decision or a financial investment. But there's a difference between talking it through and permission seeking.
Erin Holt:
And so just be conscientious of that if you have a tendency to permission seek or to say, like, I don't really trust myself with this decision. So I'm going to go to the big guy to see what he thinks or whether or not he's going to permit this. Because if we continue to adopt that mentality, then we're going to continue to believe that money is not really our wheelhouse, not really in our wheelhouse. It's not really our game to play. The ongoing storyline or kind of like trope is that men are the earners and women are the spenders. Right? The men make the money and the women spend it it. And so you can think about ways this may be played out in your childhood home, in your family of origin, in the shows that you watched growing up, and you can even notice if it's still playing out in your current family structure, present day. Again, we're not looking to judge ourselves.
Erin Holt:
We're just looking to observe ourselves. If we want to change our situation with money, the starting point is to observe what our beliefs are about money first. We can't change what we're not aware of. And women have been pretty historically empowered to do more with less, like clipping the coupons, you know, buying things on sale, saving money. Whereas men have been more empowered to make the money money to ask for raises, to take financial risks, to invest. And I again, head nod hat tip to Rachel Rogers, because it was a lot of her work that allowed me to see this in a way that I've never seen it before or never understood it before. I just wasn't aware of it. It wasn't on my radar.
Erin Holt:
Like, I knew deep down I felt this way about money earning and receiving, but I didn't really understand the whys behind it. There was this interesting write up from Starling bank that looked at how women and men are spoken to differently about money and investing in the media. And 65% they found 65% of money articles in women's magazines defy women as excessive spenders and advise them to limit, restrict and take better control of their shopping splurges. That's like the whole like stop buying lattes, you know, kind of mentality. Like oh, shoes, purses and lattes. Oh my. However, in contrast to that, in articles aimed at men, 70% emphasize that making money is a masculine ideal. So taking financial risks is encouraged to men.
Erin Holt:
Being bold and courageous in daring with money, investing to achieve power. All of that is marketed toward men. And women are not sold the same messages. In fact, it's like pretty much the opposite. It's like scrimp and save and you know, hoard. And I just think this is so fascinating because of course all of those messages are going to like bake into our subconscious beliefs as well. And then we see them play out in our reality in present time. So one thing that I'll speak into that because I see this.
Erin Holt:
You know, I'm not a financial advisor, I'm not a financial planner. I'm not a, like an accountant or a tax professional. You know, I'm not a financial expert. I'm just speaking through the lens of like the way that I see things based on what I do. But how I see this all trickle down is that women have internalized the message that we are a risky investment. We all know that that debt can invoke shame. There's some debt that's like totally normalized, socially acceptable, like mortgages on homes or student loans. But there is some debt that I've seen that invokes the most shame.
Erin Holt:
And for women, it's often around investing in yourself or investing in your potential. So it's like, fine to invest in like the American dream. You know, it's like the college and then you have the wedding and then you buy the house. Like all of that, fine. But the second that we start to think about investing in our potential, investing in ourselves, we get really derailed. And it's this type of debt that that really triggers shame for people. And this is based on a lot of conversations that I have. But I really think it's like steeped in this like cultural or societal programming of like men go out, like, ask for investments for your business that you're building.
Erin Holt:
You know, like, be risky, be bold. Women are just not receiving those same messages. We're not. And so there's this like, weird feelings we have. Shame being one of them anytime we think about doing that. I remember the very first, like, significant investment I made. It was a $16,000 program for continuing education in functional medicine. And I was like, like I felt, my tummy felt constricted.
Erin Holt:
I felt like kind of like, like sick to my stomach about it. Because I'm just like, this is not what, you know, a woman in my position should do. I did it anyway. I made the money back over and over and over and over and over again, like, no problem. I'm so proud of myself for making that. But there was a lot of fear and like, just weird feelings mixed up in it. And I see this happen for folks with fna. So like I mentioned earlier, F and a is a $20,000 investment.
Erin Holt:
That's not nothing. I mean, I stand by the price because it is four different programs in one. And if you were to go out in the world and try to cobble together everything that we offer within F and A, I can tell you what it's probably going to be double the price at least of what we're charging. And the price has been validated time and time and time again. So I'm good with that. I stand by that price. However, in conversations with folks, it's not always a cash flow issue that they're struggling with. It's a self trust issue issue more often than not, where you actually don't see yourself as a viable investment.
Erin Holt:
Because again, we've internalized the message that we are a risky investment. And so that's the belief that I would really like to turn on its head. And there's like different little micro ways that I do this. When someone first applies for F and A before enrollment is technically open, we give them a 30 day window to save a $1,000 on tuition through what we call early enrollment. And that is by design, that is a reward for betting on yourself, because I want you to see yourself as a viable investment. So anyway, if you hold any of these beliefs, and I'm using air quotes when I say the words belief, beliefs about yourself just realize that they didn't just pop out of thin air. We have been programmed and conditioned to think this way. You know, many of us do feel that building wealth is out of our league or it's impossible, so we don't even go for it.
Erin Holt:
As a woman, the world is kind of designed to tell you that you can't build wealth that you're wrong for wanting money, that you're wrong for being ambitious, that your desires are dangerous. If discussing money makes you uncomfortable, understand it's not a mistake, it's not an accident. That's by design. If we are disallowed to talk about money, if there are social restrictions around talking about money, if we're made to feel ashamed when we bring up money or we try to get paid for our labor, what that does is it robs us of power. It robs us of our ability to understand money, understand wealth, understand how to invest. It reinforces the idea that it's only a boys game. And the longer we're kept out of the boys game, the more we reinforce the narrative that women are not good with money, that men are the breadwinners, and that women are irresponsible spendthrifts. So I think women should be talking about money more as a way to counteract the messaging we hear and as a way to take back the narrative.
Erin Holt:
So that's really part of the reason that I created Manifest yout Wealth and why I'm offering it to more than just the practitioners in my audience, why I'm opening it up to everybody. Because all this stuff creates the framework for what we believe to be true. It creates our beliefs. It creates the filters in which we look at the world through. It creates our perspective. It literally creates our reality. 90 to 95% of the thoughts that we think are the same thoughts as the day before. So if we're thinking the same, our life will stay the same because the same thoughts lead to the same choices, lead to the same behaviors, lead to the same experiences.
Erin Holt:
And that all produces the same exact emotions. And that's going to, you guessed it, influence the same thoughts. Wash, rinse, and repeat. And all of this stuff, especially our feelings, is the point of attraction for what we're calling in. So if we're feeling the same way about money every single day, we're going to reinforce what we're calling in in regards to money every single day. So if you're tired of feeling like you're in your own way with money, or you just can't move past your current money reality, you need to uncover the subconscious programs that are running on autopilot number one. And you also have to put yourself in an environment to do something different. New experiences are going to create new feelings and new emotions which are going to create new thoughts.
Erin Holt:
Thoughts and new realities. So manifest your wealth can be that new environment. Listen to me. Every single day for 20 days, we've got a community that you can join to reinforce the new beliefs that you want to create, rather than continuously defaulting to the old ones. Because the truth is, if your programs are not in alignment with your goals, you are going to have a problem. And so the big shift really needs to happen on the subconscious level level. So how do we shift? Right? That's the big question. And that's what we're going to be doing in Manifest your wealth.
Erin Holt:
Thanks for joining me for this episode of the Functional Nutrition Podcast. Please keep in mind this podcast is created for educational purposes only and should never be used as a replacement for medical diagnosis or treatment. If you got something from today's show, don't forget, subscribe, leave a review, share with a friend, and keep coming back for more. Take care of you.