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February 4, 2025 20 mins

What if the reason you’re avoiding financial clarity isn’t about math or spreadsheets, but about your body and nervous system? Join me for this episode of Plenty for an eye-opening solo episode unpacking the profound connection between money clarity and feeling safe.

Financial clarity creates abundance and empowerment, but I know firsthand how impossible stepping into clarity can feel. Why is that? In this episode, I take a deep dive into the nervous system science behind why money can feel overwhelming or even unsafe, even when we consciously desire it.

I share my personal journey of moving from financial vagueness and avoidance to a place of resilience and clarity—and how this shift completely transformed my financial reality. You’ll learn about the concept of “neuro tags” and how our survival wiring often resists clarity, even though it’s what we crave.

“Money loves clarity. Clarity is magnetic to money—and everything else in life.”
-Kate Northrup

🎤 Let’s Dive into the Good Stuff on Plenty 🎤

(00:00) Introduction to Financial Clarity and Abundance
(00:49) The Importance of Clarity in Financial Matters
(01:36) Personal Experiences with Financial Avoidance
(03:27) The Concept of Neurotags and Financial Behavior
(05:08) Childhood Experiences and Their Impact on Money Mindset
(07:12) Myelination and Its Role in Financial Responses
(10:16) Rewiring Financial Beliefs for Clarity and Abundance
(13:49) The Impact of Stress on Financial Clarity
(15:28) The Energy Required for Rewiring Financial Patterns
(19:16) Transforming Financial Engagement into a Positive Experience

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Related Episode:

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Transcript

Episode Transcript

Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Kate Northrup (00:00):
It's really important to know that our
survival wiring, especially ifwe're in a state of acute or
chronic stress, our survivalbrain is going to do whatever it
takes to prevent us fromrewiring our nervous system. It
does not want us to break up ourneuro tags and create new ones

(00:22):
because that requires calories,that requires energy. It's
energetically expensive torewire ourselves. Welcome to
Plenty. I'm your host, KateNorthrup, and together, we are
going on a journey to help youhave an incredible relationship
with money, time, and energy,and to have abundance on every

(00:47):
possible level.
Every week, we're gonna dive inwith experts and insights to
help you unlock a life ofplenty. Let's go fill our cups.
You may have heard me say it.You may have heard somebody else
say it. Money loves clarity.
Clarity is magnetic to money. Itis also magnetic to everything

(01:11):
else. However, for so manypeople engaging with money,
looking at money, doing math,having to do with money brings
up so much stuff, so muchemotional baggage, so much
nervous system dysregulationthat they can't actually get the

(01:33):
clarity that they know they needto have, and they end up just
avoiding it for years, possiblydecades. I certainly know
because I was one of thosepeople. I was racking up a whole
bunch of credit card debt in myearly twenties.
I had no idea how much I spent.I had no idea how much money I

(01:55):
made. I had no idea how muchdebt I had, and I thought
unconsciously, because when Isay this out loud, you will see
that this makes no sense, but,like, there was a part of me
that I think was magicallythinking that someday, somehow,
someone would come along andsave me so that I would never

(02:16):
have to deal with it. Well,spoiler alert, that never
happened. And I'm so gratefulthat no one came along and saved
me because I never would havefound out what I was made of.
I never would have built thestrength that I have now and the
level of financial power that Ifeel right now and the level of

(02:39):
clarity that helps me movethrough the world in a way where
I have agency and choice andwhere I feel like I can cocreate
the reality that I desire, or atleast that is in my highest
possible purpose, because, youknow, sometimes I don't get what
I want, I get what I need, justlike everyone else. So, what do

(03:02):
money, what does money clarityhave to do with you? Well, if
there's any part of your lifewhere you have financial
vagueness, and this is really,really common, the bummer is
that financial vagueness is amoney repellent. When money does
not feel safe and cared for, itwill not come to you, and so

(03:27):
financial avoidance is asurefire way to make sure that
money will avoid you, butfinancial clarity creates
magnetism. Now so many people,like I said, don't actually feel
fundamentally safe with money,and that's usually unconscious.
I don't think most people wouldsay, like, I don't feel safe

(03:49):
with money. Most people wouldsay, I want more money, but then
they ignore their money. So thatdoesn't align. Right? That's a
misaligned action.
That's a mis misalignment intheir energy around money. But
what is it? Why is it that wedon't feel safe getting
financial clarity? Why is itthat sitting down and creating a
spending plan with your partnercan bring up so much emotion?

(04:10):
Why is it that when we sit downwith our CPA, we can, feel like
our heart is beating or wedisassociate and, you know,
leave our bodies or whatever mayhappen.
Well, that is because ofsomething called neuro tags. So
neuro tags are kind of like afingerprint, a fingerprint of

(04:32):
brain and nervous systemactivity, and neuro tags are a
series of inputs of differentstimulus in our external
environment that creates aparticular output, and those
inputs are associated withparticular experiences so that
we create an output, and thatoutput might be a specific

(04:54):
behavior, a specific sensoryexperience, a specific emotional
experience, or some kind ofdysregulated nervous system
response in the hyper or hypodepartment, fight, flight,
freeze, fawn, flop. So what dowe do about our neuro tags
having to do with money? Well,I'm gonna give you a practical

(05:16):
example. So every year at taxtime in my household growing up,
there was a tremendous amount ofstress.
My dad would have piles of paperall over the dining room table,
all over the living room floor,and there would be several
nights where he stayed up allnight long. He was clearly

(05:38):
unavailable for anything else.There was tension between my
parents. There was this realsense of stress and pressure
around time and money. Now Ididn't know really what taxes
were at the time.
I was a kid, but I knew they hadto do with money, and I knew my
dad was stressed out, and I knewthat, emotionally, my parents

(05:58):
were not were not available atthat time. And so there was a
sense of retreat, of emotionalnurturing, and emotional safety.
There wasn't, you know, therewasn't, like, crazy yelling, or
it wasn't particularly scary ina direct way, but there was an
absence of presence. So whatthat created from repetition,

(06:23):
right, the more, an experienceis repeated, the more, little
the literal more space thatneurotag takes up in your brain.
I'll explain that in a minute.
But, basically, it was repeated,so it got ingrained in my neural
pathways. So there were severalseveral stimulus stimuli that

(06:45):
created that neuro tag of money,dealing with money leads to
emotional discomfort. Like, thatwas the straight and narrow
neuro tag, right, for me. Sothere was the stimulus of
paperwork. There was thestimulus of tax time.
There was the stimulus ofconversations about money. There

(07:08):
was conversations between myparents about money. There was,
like, financial details. Right?So these were all particular
stimulus associated with aparticular experience that I had
as a child that I didn't reallyhave information or details
about, and so it created aneurotag, which is an

(07:33):
unconscious way that we respondin our brain and nervous system
to particular stimuli, and themore often that particular
pathway, neural pathway is used,the more myelinated it becomes.
What is myelination? Myelinationis basically if you have a

(07:54):
neural pathway, which isspecific neurons that get fired
together over time, theyactually get a coding in them
called myelin, and that codinggets thickened over time. So
those neuro tags literally takeup more brain space, like, more
area, more mass. It is similar.Myelination is like if you have

(08:15):
an iPhone charger or you haveany kind of electrical cord,
that plastic coating around theoutside so that it sends the
electrical signal or theelectrical current where it
needs to go and so you don't getshocked, that's the same thing
as myelination in our brain.
Our nervous system isessentially our body's
electrical system. So the my thedeeper the the the thicker the

(08:38):
myelination is is determined bythe the repetition of the number
of times you have used thatneurotag. Now that was, like, a
lot of science, and you may havealready left your body. So come
on back. Like, if you justspaced out, it's okay.
You totally don't need tounderstand everything I just
said. If you're a science nerdlike me, welcome. I'm so glad.

(08:58):
Now now you know a little bitmore about neuroscience. But for
anyone, whether you like that orwhether you like science or not,
what we need to understand isthat our response to financial
situations is largely illogical,and our beliefs get wired in

(09:18):
with those neuro tags based onemotionally charged experiences
in our life, and they are neurotags are essentially the anatomy
of beliefs that live in ourbrain and nervous system.
Those beliefs, that wiring,those neuro tags, that neural

(09:40):
patterning, like that footprintthat sends out a repeated series
of neural signals in our systemis not necessarily based on
whether or not a belief is true.Right? So if you were to, if I
were to articulate exactly whatmy neurotag had to do with

(10:01):
financial clarity, and gettingclear on numbers, I could say
that my belief unconsciously wasthat financial clarity is
emotionally unsafe. Right? Thatwas my experience.
I witnessed my father movingtowards greater financial

(10:23):
clarity. And as a result, therewas an emotional fallout and a
lack of emotional attunement inmy household. Okay? So that
belief was wired into my nervoussystem. It was a neuro tag.
It didn't mean it was true.Right? Of course, logically
speaking, moving towardsfinancial clarity does not

(10:46):
automatically mean there'semotional distress. In fact, as
I've over time rewired myselfand worked with my own circuit
circuitry to dismantle thoseneuro tags and build new ones,
which is what I teach people howto do in the relaxed money

(11:06):
program. As a result, I have newneuro tags and therefore new
beliefs.
And a new belief that actually Ihave found to be true over and
over and over again is financialclarity leads to abundance and
peace. So that is absolutelytrue now in my lifetime. It took

(11:30):
a while though because I was abig financial avoider. So in
order to create financialclarity, which is absolutely
essential for your financialhealth, you first need to learn
how to feel safe in your body asit relates to money. If you have

(11:51):
past neural patterning thatassociated anything financial
with any kind of physical lackof safety or emotional lack of
safety, this is gonna take aminute, and I promise you, it is
worth the investment inrepatterning yourself.
So where can you start? Well, ifyou've been listening to Plenti
for a while, you know I have alot of different nervous system

(12:11):
healing tools that I recommend,But one of my favorite ones is
quite simple, and it isbreathing into your lower back
ribs. So we can try it togetherright now. So if even if you're
driving, even if you're walking,you can practice this tool. So
what you wanna do is, on yournext breath in, send your breath

(12:33):
to your lower back ribs.
I recommend breathing in throughyour nose and out through your
nose because that helps toactivate the parasympathetic
nervous system response. So herewe go. We're gonna inhale,
sending the breath to your lowerback ribs and then exhaling in

(12:53):
your own time. And take anotherone when you're ready, inhaling
lower back ribs, exhaling. Andlet's do another one, and this
time on the exhale, you can letout an audible sigh, which tones

(13:15):
the vagus nerve is alsoexcellent for parasympathetic
response.
Inhaling, exhaling with anaudible sigh. Obviously, that
one you have to do through yourmouth. Okay. So that is one
simple tool you can use to, insmall doable parts, over time,

(13:42):
signal to your body that it issafe to engage with money. Now
one thing to understand, whichI've talked about before on the
podcast, but if you're new here,hello.
Welcome. I'm so happy you'rehere. And for all of us, we need
to hear this stuff a 1000000times. I said that our nervous
system is the electrical systemof our body. So if our body were

(14:06):
a house, our nervous systemwould be the electrical wiring.
Our brain defaults to survivalpatterning because we are
animals, and especially if wehave a an overflowing stress and
threat bucket. So maybe we havea lack of sleep, maybe we have

(14:26):
high cortisol levels, maybe weare feeling lonely, maybe
there's been a lot of negativemedia, Maybe we've been eating a
lot of junk food. We've beentraveling a lot. We are having a
conflict with our partner. Ourkid is having trouble at school.
Maybe there's toxins in ourenvironment. Like, there's so
many different ways that stressand threat. Maybe we are having

(14:49):
an experience of perceived orreal financial lack. All of
those things can contribute toyour stress and threat bucket,
and they diminish. They reduceyour ability, your capacity to
approach new things thatconsciously or unconsciously

(15:09):
feel a little hard, like, to dothings that require focus,
clarity, and a little moreenergy.
So if you've been a financialavoider or if you just suspect
that more financial claritywould be useful for you, then
you need capacity. Doing nervoussystem healing drills can help

(15:31):
you to dump or essentiallymetabolize your stress and
threat bucket so that you canincrease capacity. Why is this
important? If our body were ahouse, our nervous system and
our brain are the electrical,and redoing the electrical is

(15:51):
expensive. From a physiologicalstandpoint, what that means is
changing neural pathways,especially if they are deeply
myelinated, like, if that myelinis thick and they've been used a
lot of times, rewiring, like,breaking that down and then
repatterning takes a lot ofcalories.

(16:12):
It literally takes a lot ofenergy. If you are dealing with
mitochondrial dysfunction, ifyou are dealing with metabolic
dysfunction, if your energystores are jacked up, which most
of ours are for a variety ofreasons, which is kind of
another topic for another day,but you can go back and listen
to the Sarah Kleiner wellnesspodcast about light, and we can

(16:33):
dive you can dive into that alittle bit. We'll link it in the
show notes. It's reallyimportant to know that our
survival wiring, especially ifwe're in a state of acute or
chronic stress, our survivalbrain is going to do whatever it
takes to prevent us fromrewiring our nervous system. It

(16:53):
does not want us to break up ourneuro tags and create new ones
because that requires calories.
That requires energy. It'senergetically expensive to
rewire ourselves. So we engagein nervous system healing
practices. We love on ournervous system. We practice
increasing our energeticcapacity to metabolize our

(17:18):
stress and threat to dump thestress and threat bucket so that
we increase the energy availableto be able to engage in things
that feel a little or a lothard.
And that's why I love to teachpractical nervous system healing
practices, like the lower backrib breathing and the audible

(17:41):
sigh. So know that yourfinancial clarity matters. It is
probably, if not the, one of themost important factors for
creating financial power andabundance. Clarity is power.
Money loves clarity.
Clarity is magnetic. But inorder to create financial

(18:03):
clarity and actually know, whatdo I spend on a monthly basis?
What do I make on a monthlybasis? What do I have in
invoices for blessings alreadyreceived, also known as debt?
What are my financial goals?
What do I need to have ininvestments in order to be work
optional someday? Like, all ofthese things require very simple

(18:25):
math that you are more thancapable of doing. However, you
may have neuro tags that tellyour body that engaging in
financial clarity is actually athreat to your survival.
Engaging in financial clarity isnot a threat to your survival.
You know that logically, butyour body doesn't.

(18:45):
And so when you signal safetyfirst and free up more capacity,
you then can repattern yourselfso that you don't have to
freaking feel like you'repushing a boulder up the hill
and like you have to usewillpower and motivation every
time you do a financial clarityactivity. Over time, it will

(19:08):
become who you are, and believeit or not, it'll actually become
fun and something you lookforward to. That is coming from
someone who has had theexperience of going from a
chronic financial avoider tosomeone who really looks forward
to my money date every singleweek. I promise you, you can
have this experience too. Andall it requires, it's not easy,

(19:34):
but it is simple, and it isstraightforward, and it can be
easier in community, is somerewiring.
So money loves clarity. Clarityrequires safety in your body.
I'm so glad you listened to thisepisode. It is not a common
conversation that otherfinancial, folks are having,

(19:55):
having, but it's an importantone. It is an absolutely
critical ingredient.
And if you wanna dive deeper, Ido encourage you to check out
the relax money program becausethis is what we dive into among
so many other things. Thank youso much for listening, and I'll
see you next time. If you'reseriously committed to healing
your relationship with money,the place to start is my book,

(20:17):
Money, A Love Story. It'savailable in print. It's
available digitally, but it isalso available on audio in a
completely updated and revisededition.
So no matter what your bookconsumption preference is, this
is the place with exercises,healing strategies, and

(20:39):
repatterning strategies to getstarted healing your
relationship with money. Money,A Love Story is available
wherever books are sold. Go getyourself a copy.
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