With Kate Northrup, a money expert who uses a neuroscience-based method to help people heal their relationships with money. It is Kate’s mission to continuously explore and share how we can be more relaxed while making the impact we were meant to; and teaching data and soul-driven time and energy management practices that result in saving time, making more money, and experiencing less stress.

She’s the author of the bestsellers Money: A Love Story and Do Less, and the host of the top-ranking podcast, Plenty. Her work has been featured by The NY Times, Oprah Daily, The Today Show, Glamour, Harvard Business Review, and more. She lives with her husband/business partner and daughters in Miami.

Join us in our conversation as Kate explores how healing our money stories starts with calming the nervous system and building a sense of safety. She unpacks the emotional layers behind financial behaviours and shares tools that support sustainable change. Tune in to hear practical insights, inspiring stories, and resources to shift your relationship with money for good.

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Takeaways & quotes you don’t want to miss from this episode:

• Why “making good money doesn’t make you good with money.”
• Replacing hustle with healing: How Kate’s 90-day “no hustle” experiment helped her meet her financial goals without burnout.
• How nervous system health impacts your magnetism in business and the type of clients you attract.
• Practical ways to metabolize daily stress: movement, crying, laughter, breathwork, and more.
• The importance of upgrading your financial systems as you evolve—just like updating your apps or health practices.

“There was never a baby born being good with money, so therefore there is not one person on the planet who cannot learn how to be good with money.”

-Kate Northrup

Check out these highlights:

• 03:58 Kate shares how her passion for money began in childhood.
• 10:45 Why more money doesn’t fix deeper financial issues.
• 20:33 What sets your “financial thermostat”?
• 29:57 Why prolonged stress hijacks your brain’s ability to process information and make sound decisions.
• 42:11 Hear Kate’s final takeaway to the listeners…

How to get in touch with Kate on Social Media:

We are happy to offer these imperfect show notes to make this podcast more accessible to those who are hearing impaired or those who prefer reading over listening. While we would love to offer more polished show notes, we are currently offering an automated transcription (which likely includes errors, but hopefully will still deliver great value), below:

GGGB Intro  00:00

Here’s what you get on today’s episode of Guts, Grit and Great Business®… 

Kate Northrup  00:05

When you do a visualization, your body will tell you the truth, because it doesn’t know the difference of whether it’s happening actually or whether you’re just imagining it. So he had me go inside, and he said, Okay, Kate, now I want you to imagine that Mike has just come home. And he says, Okay, I just made ten million so now you don’t have to work anymore, and we don’t really need to do this work thing for a while. How do you feel? And one would expect that I would have felt so relieved, excited, like a big relaxation exhale, and I was so shocked by what I actually felt, because what I actually felt was like dead inside, totally flat lined.

GGGB Intro  00:49

The adventure of entrepreneurship and building a life and business you love, preferably at the same time is not for the faint of heart. That’s why Heather Pearce Campbell is bringing you a dose of guts, grit and great business stories that will inspire and motivate you to create what you want in your business and life. Welcome to the Guts, Grit and Great Business® podcast where endurance is required. Now, here’s your host, The Legal Website Warrior®, Heather Pearce Campbell.

Heather Pearce Campbell  01:23

All righty, welcome. Welcome to another episode of Guts, Grit and Great Business®. I am Heather Pearce Campbell, your host of The Legal Website Warrior®. I’m an attorney and legal coach based here in Seattle, Washington, serving online information entrepreneurs throughout the US and the world. I’m super excited to welcome today our guest, Kate Northrup. Welcome Kate!

Kate Northrup  01:49

Thanks. Happy to be here. 

Heather Pearce Campbell  01:51

Excellent. Well, I’ve been looking forward to this. I know we just got it on the schedule. I’ve seen your work for a while in the world. We live kind of in different areas. Me, being in legal, you being in finance, but they’re so heavily related, so many of my clients end up along the way needing financial support. And in my experience, the earlier we get that plugged in, the better. 

Kate Northrup  02:18

Same with legal. 

Heather Pearce Campbell  02:19

Same with legal. That’s a true story that one people learn the hard way,most often the financial one, they can kind of learn along the way. It’s like baby steps. And I see, you know, I see people making strides. In my own life, it has often felt like baby steps, but it’s such a big piece of the puzzle and that you know, that relationship to money, that mindset work that we have to do around self and money, and so for those of you that don’t know Kate, let’s get Kate introduced. Super excited to bring you Kate Northrup today. Kate uses a neuroscience based method to help people heal their relationships with money. It is Kate’s mission to continuously explore and share how we can be more relaxed while making the impact we were meant to and teaching data and soul driven time and energy management practices that result in saving time, making more money and experiencing less stress. She is the author of the Best Seller’s Money: A Love Story and Do Less, and the host of the top ranking podcast Plenty. Her work has been featured by the New York Times, Oprah daily, the Today Show, Glamor, Harvard, Business Review and more. She lives with her husband and business partner and daughters in Miami. I’d love to know where the earliest thread of this topic started for you in your life, like, how did this become the thing that you end up doing? 

Kate Northrup  03:58

Great question. You know, it’s so funny. I’m always wondering that myself, but I was in Chinese astrology. I was born in the year of the pig, and the year of the pig is really about abundance. And as a kid, I started my first business when I was seven. I was just really, like, into making money, and I found this little about me brochure that I had made in the second grade, and it said, What do you want to be when you grow up? And I said I wanted to be an accountant, which I am not an accountant, but I do deal with money for a living, and it’s just wild. So I was just always into money. However, my parents got divorced when I was 15, 16, and at that time, my mom realized she knew nothing about money. So even though she was an incredibly successful doctor, she had actually had written multiple New York Times best selling books, been on Oprah like she out of credit card debt in six months. So I paid off all of my debt, I doubled my income, I doubled my savings, and I never looked back. And that was the foundation of what became my first book, Money: A Love Story. 

Heather Pearce Campbell  07:13

The thing that you just shared, that I think is really profound, is one being able to witness that learning journey with your mom. I think a lot of kids miss out on that they see either the rules that are already embedded in their parents lives around money, or they have those rules passed down to them. And really, you know, and maybe not so much now, but certainly when I was a kid, very traditional ways, right? And you’re right. It feels restrictive. It feels shame based. I think that shame story continues for so many people, and I think it’s it’s part of what makes it hard to get to be transparent around finances and money in order to get the right help right. I deal with it even when clients come to me and say, Hey, do you know a CPA or a tax person that could help me? And I’m like, Well, do you want the kind that will help you, help you, really dig in and look at those numbers, or are you just wanting the kind that are like, look backwards, see what you did, and just pay your taxes. Those are very different kinds, and unfortunately, most people end up with the latter version of that scenario.

Kate Northrup  08:25

Because we lack in our culture, key moments of financial education. You know, kids go to drivers that to learn to drive a car. We learn key life skills, but there will not be one day of your life where money is not part of your existence. And yet everyone is just supposed to figure it out and then be good at it, except we’re also not supposed to talk about it. So how are we ever going to figure this out? It’s just like sex, right? It’s like, suddenly you’re an adult. Now you’re supposed to be good at this, but also, don’t ever talk about it. 

Heather Pearce Campbell  09:02

Totally.

Kate Northrup  09:03

No one’s going to teach you.

Heather Pearce Campbell  09:04

Oh my gosh. It’s like you want to laugh but you want to cry at the same time hearing that right? And I think it really is that way and that clear, and it’s what happens, and it’s probably why a lot of women are not dealing with this until they’re transforming other areas of their lives. And when is that? 40s? 50s?

Kate Northrup  09:29

Yeah. And for many people, it’s when they go through a divorce, unfortunately, and money issues are the number one leading cause of divorce.

Heather Pearce Campbell  09:39

Yeah, yeah. Those pinch points, those points in life that force us to look at something. And you mentioned, I can’t remember exactly how you said it, but basically, the pressure of your outside life looking a certain way, and your money life looking very different, right? That imbalance became so big that you had to deal with it. I think you’ve described the forcing mechanism that so many people get to in some way, right? Could be in a different way, like divorce or health issues or something else that actually forces them to look at something differently and make a change. What do you find in your work that you do with clients to be the most surprising thing that people learn when they’re either in the middle of that forcing mechanism and beginning to make change, or they’re kind of on the other side and they’re actually in a healthy spot to make a change. Is there something that they’re just like, oh my gosh, I never knew. Do you have those?

Kate Northrup  10:45

Yeah, really, in my work, it’s like, ultimately, it’s just never about the money, you know? And the biggest myth is that making more money is going to sort of fix all your problems, but, and sure that’s true. If you’re housing insecure or food insecure, it’s going to make a huge difference. Once you have basically enough, though, more money actually just amplifies the misalignments and the energetic leaks. And we think like, Oh, it’s okay, I’ll just make more money. But if you have a bucket with holes in it, and you just keep pouring more water in, you just get a leak that’s leaking out faster. And that’s the same thing with folks who don’t have solid money systems and who also have not built the capacity in their nervous system to feel safe with money. So I work with people on a dual level, one, the internal systems and structures to feel safe with money. And then once we’ve built a solid foundation there, then we work on the external systems, which are impossible to maintain until you’ve built the internal safety. And so we do both.

Heather Pearce Campbell  12:01

Yeah, I mean, you just said a couple things. One, working on the nervous system. Talk to us about the relationship. Like, where did you discover money is connected to nervous system? 

Kate Northrup  12:16

It was not fun. So 2021 so I’ve been learning about the nervous system more in relationship to my own use of productivity as a trauma response. So that started in 2019 but 2021 my husband became really ill for the second time with something called Topical Steroid Withdrawal or red man syndrome. And it was absolutely awful. He lost 40 pounds in one month. His skin was raw and like it was, I won’t even get into it.

Heather Pearce Campbell  12:55

I remember seeing some of your social posts in that time and being like, what is this? I’ve never heard of this before.

Kate Northrup  13:03

Yes, it was awful and any kind of illness is awful. This particular one, there was no clear diagnosis and no clear plan of treatment. So it was also like, it’s really bad. We have no plan, and we had just moved to Miami to help his healing, rather than going back to Maine because of the cold and the dry weather. So we’re in Miami, we’re suddenly paying for two lives because we move sort of under duress. So we’re paying for this new life in Miami, paying for life in Maine. My husband and business partner now cannot work. I’ve got the two little kids. It’s also the pandemic. My mom was getting publicly canceled on the internet. It was such a show, and we were with our therapist, who we meet on Zoom, very modern. He lives in Bali.

Heather Pearce Campbell  13:56

That is the one thing I will just say, if we need to still find Silver Linings related to COVID, the number of people that were able to go outside of network to find therapists and experts. I’m like, hallelujah.

Kate Northrup  14:10

The best. I mean, in all fairness, we’ve been seeing him since 2016.

Heather Pearce Campbell  14:14

But you’re ahead of the curve. 

Kate Northrup  14:16

I’m talking everyone suddenly like, oh my god, I’m living on Zoom. I’m like, welcome. Welcome to my live.

Heather Pearce Campbell  14:22

Right? I know I went virtual in 2012 in my legal practice, which other attorneys are? Like, what is she doing? Yes. Like, you never see your client.

Kate Northrup  14:33

Yeah. No, I mean, I love in person, but yeah, anyway, too, we’re there, we’re having the session. And I was really in this loop. I was in a loop of resentment. I was in a loop of profound stress and overwhelm. And my particular thought loop was, if Mike could just get healthy and make a bunch of money, everything would be fine. And so David had me go inside. And the fascinating thing about our bodies is and our unconscious, they have no sense of time. Right? And our bodies really speak for on our unconscious in many ways, and there’s no sense of time. So that’s a beautiful thing. And when you do a visualization, your body will tell you the truth, because it doesn’t know the difference of whether it’s happening actually or whether you’re just imagining it. So he had me go inside, and he said, Okay, Kate, now I want you to imagine that Mike has just come home and he says, Okay, I just made ten million so now you don’t have to work anymore, and we don’t really need to do this work thing for a while. How do you feel? And one would expect that I would have felt so relieved, excited, like a big relaxation exhale. And I was so shocked by what I actually felt, because what I actually felt was like dead inside, totally flatlined. So yeah, and what I realized this meant is that I was addicted to stress and pressure, particularly of the time and financial variety, and I was using stress and pressure around money and time, like productivity, getting things done to make money as my primary fuel source for my life and my work.

Heather Pearce Campbell  16:15

Well, and that’s such a tricky like when I heard you say that and thought about it, even in my own life, it’s like, Well, I think for women in particular, there’s this overarching need to create your own financial success in order to feel…

Kate Northrup  16:38

If a man has not a financial plan.

Heather Pearce Campbell  16:40

That’s right. Even hearing that, I’m like, Oh, I I still wouldn’t probably be able to just like, let that go. You know?

Kate Northrup  16:51

No, and I don’t think it’s like, it’s not a one in a 10, right? So what I did is, we did have this business. We did have these customers. I had promised things too, but what I did is a 90 day experiment where I said, Okay, I’m not allowed to launch anything new or like run a campaign from this place of stress and pressure, I’m going into Coast mode. We are simply delivering on what we already promised the end and anytime I feel that, like, nervous system trauma response of like, ramp up. Like, let me write this email campaign. I’m just going to add on this promotion. Every time I do that, I am just going to, I’m not allowed to do it just for 90 days. And I said I’ll either be willing to use X amount of savings or 90 days, whichever one comes first, like I had a stopgap. And every time I felt that ramp up energy, I would just scream into a pillow in the closet, lay down and watch some daytime TV, cry on the phone with a girlfriend, or go to the ocean and like, see what the ocean had to tell me, those were my choices. And it was very painful. Those 90 days were very painful, but what was so fascinating is at the end of it, we had hit all of our financial goals. I had not used my old pattern of like ramp up, and now I had this lived experience that stress and pressure were not required to have financial success.

Heather Pearce Campbell  18:20

Oh, say that again.

Kate Northrup  18:24

Stress and pressure are not required to have financial success. And that time, that 90 days, helped me to understand that my nervous system was running an unhealthy pattern around money, and I was saying, I need to make this amount, or my husband needs to make this amount in order for me to exhale and be allowed to relax. And I just was like, I’m just going to relax first and see what happens, even though all the evidence was like, This is not a good time to relax. Your husband’s sick, you have two small children, you’ve just moved to a new city, you’re also still paying for your previous life. Like this is on you, babe. But I was like, what if I just relax now? And it totally changed my life. So that’s how I learned, personally, that our money and our nervous system are connected. Because even though, growing up, you know, I went to ballet classes, we had food like there was no I have never experienced actual, like, real, you know, there’s not enough. But people in my lineage have, and that ancestral trauma lives in us, and also the environment that I was raised in around money was stress and pressure. It was always that money’s already been spent. I have so much to do, always stress and pressure. So the thing that we have to really understand, and I want everyone listening to hear this, our nervous system has a set point, a thermostat, a financial thermostat, and that financial thermostat is set according to the feeling around money when you were growing up, not the amount of money, but the emotional temperature around money. And so for me, it was stress and pressure. And so I’ve had to actively engage, to change the thermostat using applied neurology and nervous system healing tools to do so. And I will just tell you if freaking works.

Heather Pearce Campbell  20:33

Amazing. Well and I can’t wait to get to the part around you, like meeting all your financial goals in that time period, even when, from an outsider’s perspective, that looked really rough, right? I mean, the rough time, yeah, all of those things that, first of all, you combine a move with any kind of impact to your work, plus illness, plus moving children like…

Kate Northrup  21:00

You’ve got like, that time also, my husband fell off a bike and broke his leg, so then he couldn’t walk, and then a year and a half later, he got hit by a car. 

Heather Pearce Campbell  21:10

Were you just, like, what the f universe were like?

Kate Northrup  21:14

Too much, but I will say, it gave me so many opportunities to practice, and it was like, how about now? Yeah, are you gonna keep you preach now? Yeah, what about how about now? And I did, and I kept, like, really honing that skill set, and then I started incorporating it with my clients, because I was like, I’m not the only one with a jacked up nervous system around money.

Heather Pearce Campbell  21:39

Oh no, oh no, no, no, no, no, yeah, I’m curious in those initial days, what was the hardest part of letting go, because you just told yourself, like you can’t do this old pattern.

Kate Northrup  21:53

I mean, it really is deeply painful to rewire ourselves, or it can be because my identity was so steeped in being capable and being strong and getting things done and being able to pull something out of nothing, like I really got off on that, and so not being able, like forcing myself, to do it differently, and to literally just sit in the stillness with how painful my life was in that moment, was very uncomfortable, and I just cried a lot, and it felt like dying. And it was like an ego death. My identity was my ego was like, ah no, I’m important, I’m busy, I’m capable. And it was like, lie down and it just hurt, but it hurts all good.

Heather Pearce Campbell  22:47

Oh, totally. Was there ever a time where you’re like, I’m really done with this experiment, like, where you wanted to go back to the old pattern? 

Kate Northrup  22:57

No, because it felt so at the beginning was when it felt really uncomfortable, but I still had the enthusiasm of a new experiment. And then what’s so cool about nervous system re patterning is it does have a compound effect so very similar to the compound interest, when we invest our money, when we invest our energy in healing our nervous system, when we do a little bit today, today’s ceiling becomes tomorrow’s floor, and then a little bit more, and then a little bit more. And so the more you do it, the more capacity you have to feel safe in your body, no matter what is going on. And when you feel safe in your body, no matter what’s going on, you are fully present, and you are smarter, and you are more creative, and you’re a better problem solver, and you are more magnetic. I mean, it is unbelievable how much easier it is to do life when your nervous system is regulated or more resilient. I like talking about a supple nervous system because it’s really that ability to just like, move in and out regulated. To me, feels a little static. And the truth is, a healthy nervous system actually is toggling always between, well, right, sympathetic and sympathetic. And it’s just like it has a nice, sweet juiciness and vitality to it. So, yeah.

Heather Pearce Campbell  24:19

No, I love that, and I have the same that we talk a lot about dysregulation in this household, mostly in the context of parenting. I have two kiddos. Number one is caused us to re parent ourselves in all ways that our children do, and to learn like about every nook and cranny of yourself that you don’t like, right? So we do. I used to joke with friends for years, like we do a lot of unexpected behaviors in this household, right? That ties directly into this word regulation, like regulated nervous system versus dysregulated, and you’re like that flow, that process of being in flow and being able to move between states and recognize when you’re like, Okay, here we go. We’re moving a little bit out of a more balanced state is like, what an analogy for life and for nearly everything that we face and that we learn to either process in a healthy way or overcome, right? But even the other day, I was reading, in light of all the political stuff going on, a book about how rational people begin to believe irrational things, right? And it talks about the impact of stress. The very first thing the book addresses is the impact of stress on our decision making abilities.

Kate Northrup  25:47

It goes out the window. Yes, and when we’ve been in an experience of prolonged stress, yes, which we all have in our own ways, what happens is our ability to be present in our prefrontal cortex, which is the part of our brain that makes good decisions and is like aware of possibilities and aware of multiple, you know, well, honestly, multiple realities, or at least multiple perspectives. That ability goes out the window, because it’s actually very calorically expensive to rewire the brain and to learn anything new, and so it’s just like if you wanted to redo the whole electrical system in your home, it’s very expensive, yep. And so rewiring the electrical, which is our nervous system in our bodies, is expensive. It requires, actually, quite a bit of energy. So your body will be like, nope. We’re not going to think a new thought. We’re not going to learn from someone we don’t agree with, we are not going to consider new information that’s not a match for our existing world view, because we don’t have the energy for it, literally, from a calorie perspective, and when we’ve been so stressed for so long, our stress and threat bucket is overflowing, and there’s no space for anything new or for anything challenging, and we just go into full constriction and like massively limited worldview, which is true about, you know, politically speaking, but it’s also true about our money. It’s true about marriage, it’s true in parenting and we suddenly, and I’m sure you’ve had these situations I have when you get so stressed and so tired and so overwhelmed and you’re suddenly like, my life is awful, and now I live here. It’s gonna be like that forever, and now this is my reality, and that’s just not true ever. But when our stress and threat bucket and is that high, and we haven’t been actively metabolizing the stress as part of our daily practice through nervous system healing, which I’m happy to share, all sorts of things that will help you metabolize the stress. But when we’re not every single day dumping the stress and threat bucket through metabolism of it, we completely lose our ability to function optimally on every single level.

Heather Pearce Campbell  28:28

Oh, even just those moments, I have two sisters that I’m very close to, and I talk to both of them constantly, one probably multiple times a day. But those times where you’re like, Oh my gosh. And as a mom, I think in particular, you know, when this is happening, like, I’m totally blood sugaring. That’s we, like, turned it into a verb. I’m blood sugaring right now, so I probably should go eat something we and the reality is, what you’ve just said about this stress mechanism in our body when you’re pumping cortisol, I mean, address it’s multiple cortisol and adrenaline into your bloodstream. The first thing it does, sucks all the blood sugar out, right? Has to process something because it thinks you need to sprint 100 miles an hour that direction. 

Kate Northrup  29:14

You’re just like, sitting at your desk or on the couch, and it just causes inflammation. 

Heather Pearce Campbell  29:20

That’s right, and suddenly, though, you really do have the limited capacity to process things, to think about things, to arrive at good solutions. And so if you’ve ever had that experience, like my sister and I didn’t like, Oh, I’m totally blood sugaring. That can be constant in a state of stress. And I think so many people, it’s like, the pressures build and build, and you don’t realize, like, this compounding effect of stress until you reach a point where you’re like, This is so unworkable, I have to do something differently, and then you end up exploring things like nervous system work, right?

Kate Northrup  29:57

Totally. And unfortunately for many people, the wake up call is becoming physically ill. Yes, that’s right, you know, and it’s a bad one. It’s a bad wake up call. It’s a bad wake up call. It’s common, you know, either it’s like there’s a huge blow up in your marriage, or you get really sick. But the good news is, the ways to metabolize this stress are not hard and they’re free. So, that’s great. The number one way is movement, any kind, any kind. It could be walking, it could be dancing, it could be riding a bike. It could be pickleball. It could be weight training. It could be yoga, like anything in which you move your body does a beautiful job at closing previous emotional stress loops that are like a million open tabs in your internal browser. And so just move your body. Laughter is a great one. Crying so tears very effective breathing. And I know we’re breathing all the time, but like, gosh.

Heather Pearce Campbell  31:07

Real breathing, we’re breathing, but kind of, yeah, here’s kind of thing. If you’ve ever been around a breath expert, I interviewed one of my podcasts one day, and he’s like, said something about my breathing. And I was like, Oh, I’m expert level at going through life and shallow breathing, like not breathing, right? As a mom, I mean, I had the kid that was like, didn’t understand danger or safety issues, and so like, you feel sometimes, I will speak for myself, I feel as a mom, like, forced into helicopter parenting in all the ways. And like, if somebody were to ask me how a day went, I’d be like, my kid’s alive. I feel like I did my job. That was the extent of it, right? And so my nervous system for years, and it’s only been now in recent times that I’m learning some of the work that you’re talking about, about how everything is nervous system. Everything is dictated by your nervous system. Your capacity is dictated, your capacity for parenting is dictated by your nervous system. 

Kate Northrup  32:11

Well and also, you know, as business owners, it really is our magnetism. So when we are dysre gulated as business owners, we will attract, we will either, you know dysregulated customers who make our life incredibly difficult. The more you become resilient in your nervous system, the more healing you do. It is easier to find high level clients who are a joy to work with, who love paying you lots of money, and it’s really easy. That is true. When you have a more regulated nervous system, you also just become more magnetic, like people who are further along in their healing journey just are like, great. I don’t know what you’re doing, but I want to work with you. Doors open, opportunities become available. People just start asking you to do stuff. Things become a lot more magnetic and in flow. In business when we’re operating from a regulated, healthy place. So it does make things a lot easier to attract more money when you are operating from nervous system health and safety. But I do work with a lot of people who’ve done nervous system healing in regards to parenting or past traumas or whatever, who’ve never actually applied it to their financial life. So their financial life is still a place of profound dysregulation. Oh, 100, I think about my own journey where I’m like, Okay, I feel like I’ve really evolved or learned something in this department, right? Because we have phases of life, whether it’s like relationship centric or parenting centric or whatever, where you’re going to learn a whole bunch about a topic, right? But it evolves. This is the whole journey of business is the problems you had yesterday, may not be the problems you have today, but you got a new type of problem.

Heather Pearce Campbell  34:20

Yeah. So speak to us about folks that you know have done work in other areas, but are like, you know, they’ve got some things hanging out in the financial closet that they haven’t looked at. 

Kate Northrup  34:31

Well, one of the phrases that I love to use, because it really highlights the problem is making good money doesn’t make you good with money. The number of women I know who are really making good money, for all intents and purposes, but who lack the internal and external infrastructure to actually receive that money, it’s astounding. A study from Elves showed that amongst women making $270,000 or more a year, which is a good, really good income, over 75% of them still do not feel financially confident, which is proof, of course, that more money doesn’t solve the problem. And so what I find is folks who go just super unconscious around money, because our relationship with money is so intermingled with our feelings of security and freedom. And those are super core issues. Yeah, and so money becomes a place to project all of our deepest, deepest fears, and until we consciously face that, within a safe relationship, within a safe container, we just literally dissociate, or go into super hyper vigilance, or toggle between the two, which is deeply exhausting.

Heather Pearce Campbell  36:11

I lived as a kid. I lived in hyper vigilance all the way into my 20s, and then my mom died while I was pretty young. You know, in law school, first year of law school, and then, not too long later, I had a baby sister die, and like all of that vigilance around money just went out the window because it became unsustainable, right? But then it’s like, what do you replace that with? And I think there are a lot of people that go through that pendulum swing at some point in life where they’re like, Okay, I did that and I tried that, and that didn’t really work or feel good to me, right? And a lot of people are learning the like, Okay, what now in later?

Kate Northrup  36:51

Absolutely. And I think it’s really important that you said that, because our systems need to upgrade as we do. And so for people who find themselves at a plateau in their income, or some sort of plateau in their business, I think we have to really understand that what got us here will not get us there, and that’s why we do need to keep finding new mentors, reading new books, using new tools. Because, of course, there are some things that can get you, like Pilates is going to be good for you no matter what.

Heather Pearce Campbell  37:23

Regardless.

Kate Northrup  37:24

Stick with Pilates. But even just this week, my husband and I are upgrading our whole financial software, you know, methodology, because what got us here is not going to get us there, and we need to upgrade our operating system, just like you do with your computer and your phone. And we are the same way as beings. Our bodies are that same way, and then our literal systems are that same way. Our software is our what app are you doing? Who are the financial professionals? And we need to be in a continuous evolution with those things very similarly to how we are about our eating or our exercise program, or the way we’re parenting, or the next evolution in our marriage and money, just like goes out the window because it’s such a taboo topic, and people are just like, so afraid to talk about it and to tell the truth. There’s so much shame. And I’m really here to just like, help people feel safe and excited about money. 

Heather Pearce Campbell  38:24

Oh my gosh, I love it. Well, I can tell why people do with you, right? You make it safe, and I can tell you’re open and sharing about your own journey. And I think it’s just really important. I mean, what you just said about it being a journey, it’s not like you put a system in place and that’s going to take care of you for the rest of your life, just like in the medical world, right? I mean, you, I know you guys have been through the wringer, and myself being on my own kind of healing, like take care of mom journey. Now you don’t just start with one doctor and finish with one doctor. Like you look here for this, you look here for this, you go here for this, and it’s just this constant tweak, upgrade, learn more. Okay, we can do this a little better. Same with finances. So I love it, and I think it’s a mindset for people who are like, Oh my gosh, I need to hear more, learn more connect with you. First of all, what are the ways that you work with clients or have services or programs available to people tell us how you work?

Kate Northrup  39:22

So our signature program, it’s 80% of what I do, is called Relaxed Money, and it’s a neuroscience based method to help people heal their relationship with money, internally and externally, so that you get the nervous system capacity and safety, but also the financial systems, and then even beyond that, you know, energetics, manifesting and then investing so really taking it to that next level as well. So that’s my program. But I do have a free experience that people can move into to just test it out, just try out. And that’s called Good with Money, so…

Heather Pearce Campbell  40:01

Excellent. And that free experience, we will share links folks to Kate’s website. Are you on social? Do you like for people to connect with you on socials? 

Kate Northrup  40:10

Yeah, please do so @katenorthrup, I’m on social. You send me a DM. Say hello, but yes, that is where I am. 

Heather Pearce Campbell  40:19

Excellent. Okay, so folks, pop over to the show notes page. You can always find them at legalwebsitewarrior.com/podcast, find Kate’s episode, and you’ll see all of her links there. Your free experience. Did you say it’s an auditory experience? Was this a different one?

Kate Northrup  40:40

Actually, I there are two. So if you want to be with me live, it’s called Good with Money, and that is a free three-day workshop where we’re really going to begin the rewiring process. I’m going to take what I’ve learned since winter 2021, and give you the best of the best in this free workshop. So that’s Good with Money. And then I do have a free audio experience. Also, if you just send me a DM that says reset, you’ll get that amazing reset.

Heather Pearce Campbell  41:12

Okay, I couldn’t remember, and I should have referred back to my notes. That’s fine. No, I love it, and I know you also have several books. So folks, if you are a reader like me, and that’s a great way for you to get introduced, Kate, tell us about your multiple books. 

Kate Northrup  41:29

Yeah, my books are called Money: A Love Story, and then Do Less, and those are available anywhere books are sold, and they’re also available on audio. And then, since you’re a podcast listener, I have a podcast called Plenty.

Heather Pearce Campbell  41:42

Love it. Shout out to those other amazing podcasts. We will put a link over to your podcast. So fun to spend time with you. I’m so glad that technology did not keep us from making this happen.

Kate Northrup  41:56

 This was so great. 

Heather Pearce Campbell  41:58

What final little little tidbit of, I mean, you’ve given us lots to think about, but what final step or quote or anything would you like to leave our listeners with today? 

Kate Northrup  42:11

I would like to say that there was never a baby born being good with money, and therefore there is not one person on the planet who cannot learn how to be good with money, because it is a literal skill set that anyone can learn and embody. 

Heather Pearce Campbell  42:31

Amazing. And just for folks that are listening, remind me the dates of your upcoming program, right? Because that’s right around the corner, and we’re going to get this published ahead of time, right? 

Kate Northrup  42:41

Yeah, it begins April 17. 

Heather Pearce Campbell  42:44

April 17, okay, so people just put it on your calendar, April 17. I think you should show up. All right. Kate big thank you to you. Really appreciate your message. It was just a joy to connect. 

Kate Northrup  42:55

Thank you for having me.

GGGB Outro  43:00

Thank you for joining us today on the Guts, Grit and Great Business® podcast. We hope that we’ve added a little fuel to your tank, some coffee to your cup and pep in your step to keep you moving forward in your own great adventures. For key takeaways, links to any resources mentioned in today’s show and more, see the show notes which can be found at www.legalwebsitewarrior.com/podcast. Be sure to subscribe to the podcast and if you enjoyed today’s conversation, please give us some stars and a review on Apple podcasts, Spotify or wherever you get your podcast so others will find us too. Keep up the great work you are doing in the world and we’ll see you next week.