Mindful Spending, Money Stories, and the 7-Layer Financial Wellness Framework ft. Jennifer Edwards

On this The Mindful Living episode, host Sana sits down with Jennifer Edwards—Certified Financial Planner turned financial therapist—to unpack mindful spending beyond budgets and hacks. We explore how childhood money scripts, nervous-system triggers, relationships, and culture shape everyday financial choices. Jennifer walks through her 7-Layer Financial Wellness Framework (societal, relational, educational, behavioral, physiological, psychological, neurological) and shares practical, direct tools: awareness exercises, “I-statement” scripts for tough talks, a two-week gratitude reset before money conversations, and low-stakes role-play (with a friend, group, or AI) to rehearse high-emotion moments. If you’ve ever thought “I know better but still do it,” this conversation shows how consciousness—not restriction—shifts behavior, calms anxiety, and aligns money with values. Listen for clear language you can use tonight and a roadmap to bring calm, confidence, and compassion to your finances.

About the Guest:

Jennifer Edwards is a financial therapist and former Certified Financial Planner who helps individuals and couples resolve money stress by addressing root causes, not just spreadsheets. She leads Breakthrough Financial Wellness and created the 7-Layer Financial Wellness Framework.

Key Takeaways:

• Money is an amplifier: it magnifies existing emotions and relationship dynamics—more cash won’t fix misalignment; awareness can.

• Childhood scripts (“money doesn’t grow on trees”) often become adult habits (overspending, hoarding, avoidance). Name the script, then reframe it into values-based choices.

• Jennifer’s 7 layers:

  • Societal: bias, consumerism, access barriers can drive debt and stress.

  • Relational: partner/family dynamics often decide whether goals stick.

  • Educational: learn the basics (budgeting, investing) from trusted sources.

  • Behavioral: track spending and compare to priorities regularly.

  • Physiological: sleep, nutrition, movement influence money decisions.

  • Psychological: beliefs and narratives shape choices.

  • Neurological: trauma and triggers require grounding and mindfulness to bring the thinking brain back online.

• For hard talks, use “I-statements,” ask permission to discuss money, set context, and schedule the conversation when both are regulated.

• Prime the conversation with a two-week gratitude practice toward the other person to reduce defensiveness.

• Rehearse money talks safely—role-play with a friend/group or simulate pushback with an AI persona to plan calm responses.

• You always retain agency: choices may be hard, but options exist. Mindful spending is recognition and alignment, not restriction.

Connect with the Guest:

Website: BreakthroughFinancialWellness.com Resources and newsletter available on the site.

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Disclaimer: This video is for educational and informational purposes only. The views expressed are the personal opinions of the guest and do not reflect the views of the host or Healthy Mind By Avik™️. We do not intend to harm, defame, or discredit any person, organization, brand, product, country, or profession mentioned. All third-party media used remain the property of their respective owners and are used under fair use for informational purposes. By watching, you acknowledge and accept this disclaimer.

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