Money, Mindset & the Feminine Financial Revolution with Chelsea Williams ✨

How much of your money story isn’t even yours? In this empowering episode, I sit down with Chelsea Williams, also known as The Money Whisperer—a certified financial expert and founder of Money Mastery. Chelsea’s journey began in a Walmart bathroom, discovering she was going to be a mom at 20, and has since led her to help thousands of women rewrite their financial stories and create lasting wealth.

We dive into money as a mirror, the subconscious beliefs formed in childhood, and why budgeting is actually freedom, not restriction. Chelsea shares how to align your spending with your values, what your financial behaviors say about your emotional needs, and how women can take the lead in the $38 trillion wealth transfer coming in the next 20 years.

If you’re ready to step into your power, redefine your relationship with money, and heal what’s really holding you back—this episode is for you.

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What You’ll Learn in This Episode:

✅ The real reason you “go over budget”—and what it’s trying to tell you
✅ How childhood experiences shape your money behaviors
✅ What it means to become the CFO of your own life
✅ A fresh way to think about budgeting (hint: it’s about boundaries, not restrictions)
✅ How to identify and heal your core money wounds
✅ Why women are key to the next generation of wealth creation
✅ A powerful journaling exercise to uncover your subconscious beliefs about money

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Resources & Links:

💻 Learn More + Join Chelsea’s Community → www.moneymastery.work
🎙 Listen to Chelsea’s Podcast: Always and Never About Money 
📲 Follow Chelsea on Instagram → @the_money_whisperer

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Connect With Me:

🌟 Join the Manifestation Playground → www.manifestationplayground.ca
🎙 Follow the Podcast on Instagram → @manifestationandmoneypodcast
📩 Let’s Connec

Episode Transcript

(00:01):
I was in a bathroom stall at Walmart and I was looking down at a pregnancy test that told me I was gonna be a mother up until that point. I was miserable. I had no hope. I had no drive. I had no belief in myself. I had no momentum. I had no why. I had really nothing to live for if I'm being honest. But in that moment, everything in my consciousness changed.
And I trusted the journey and for me, that journey was moving through A small business where I took over all of his accounting after one accounting class in college, and I succeeded and I excelled. So much so that I got recruited to join a tax and accounting firm here where I live. I made vice president in one year.

Chelsea (00:03):
So working with business owners and money, what I realized really quickly is that these are just, these are people.
And I'll be completely honest with your podcast and your listeners, I got the term Money Whisperer because, do you remember that show The Dog Whisperer? Mm-hmm. A hundred percent on Animal Channel. I was always fascinated by it. 'cause I'm like, oh my gosh, this guy like. Speaks energetic dog. This is amazing.
Okay. To that journey. , So people come to me because they want help with their money. And what I give them is a framework that will work no matter where you're at or where you wanna go. Because the beauty in money and numbers is that it's completely simple. There's one equation we are all living under.
, But that's a perspective shift that I encourage you to embrace. A budget is actually freedom. When you know how much you can spend and where while still honoring your long term goals to financial freedom, you have freedom within those boundaries. So I call a budget. These are your boundaries. These are your spending boundaries, and just like your personal boundaries.
Everything in between is driven by an emotion that you are seeking. So if you deviate from your boundaries, what we're really trying to do is drill down to which emotion were you chasing here, and let's heal it instead of put a bandaid over it with money.
One of the biggest, and, and understandably so, areas in a budget that we can go over on are our kids spending money on sports activities, extracurriculars, toys, entertainment. And it's understandable because as parents, a lot of us wanna give our children this experience, , and, and create this world for them.

Jenni (00:09):
Mm-hmm. Isn't that the truth? You think like even post Christmas and stuff, the gifts get it opened, there's that excitement buzz, but at the end of the day, they just wanna snuggle with you on the couch and , they just want that quality time together.
The idea here is that your budget consists of boundaries that protect your future self and what you want for yourself in the future. So for this client in particular. She went over on, she had such a fun name for it too. It was like her bougie budget line that she just to, you know, gets to blow on the things that she loves to purchase.
And so, , what we talked about is how can you show your friends and your family that you love them and you're thinking about them and you care about them without spending money?
So for any nonbelievers out there, science tends to help us make sense of things, right? , Everybody goes through this imprint period from age zero, and we come out of it at about age 12. Now, you can think of it as that period. We are operating largely in our subconscious. We don't have awareness. We're not projecting onto the world who we are.
So a lot of people I work with, and some people take longer than others to kind of tie , the pieces together, but a lot of people can say, oh my gosh, that's where I got that. , This is what I'm struggling with. And we can tie it to an subconscious belief that goes all the way back to their imprint period.
From that age and older, you're a woman, you don't need to know about money. That's not a thing you need to worry about in life. Mm-hmm. I mean, you just never know what you're gonna uncover. And you know, write down the struggles that you're having around money right now today. And then think back to your childhood.
To me? This is uncomfortable. But the amount of times that Chris and I have gone into appointments, legal appointments, financial appointments, and the conversation gets addressed to him, and he just keeps referring the conversation back to me. He's like, talk to her. Talk to her. She's more than capable of having this conversation with you.
It's projected that 38 trillion was the most recent number. Of wealth is going to be passed down and a majority of the recipients are going to be women. And what you just described, I'm writing a book about this. It's scheduled to be finished at the end of this year. I'm super excited about it, but the whole purpose of the book is to empower women specifically around our money stories.
It's only been 50 years since women have even had that opportunity. Yeah, so the timeline of money, if that was our 100% timeline, women have only been part of the conversation for 1% of its life. Wow. And I say that to give women permission for not knowing. Mm-hmm. And not understanding, give yourself grace in the scope of history.
It's what they are trained to do. It's what they are conditioned to do. And so women's task now is to educate themselves. Learn what you did not know. You have every right to be confident standing in your questions shamelessly and navigating your own finances and protecting your own wealth. Because when this wealth transfer happens and money goes into the hands of women, there are so many studies that show money in the hands of women.
I feel as a human population, we struggle there as a whole. So to feel like. We're all struggling there, and then as a woman to feel like you're being left outta those conversations or having to advocate for yourself to be a part of those conversations. Yes. I'm, I'm excited to hear. So can we go dig a little bit deeper into what your book is gonna be?
, And be aware of what are you gonna see? How can we prepare for that? And some of it is going to be the three layers of why doing the inner work, because. We are subject to those limiting beliefs just like anybody else, and we have to do the work just like anybody else. So the ultimate goal of the book is to empower and educate women to get themselves positioned, because when this opportunity comes, we gotta do right

Chelsea (00:21):
Yeah, so much like you and Chris. . You in your guys' story, you communicate how you first of all figured out what's important to you, really outside of the money, what are our priorities in life. Mm-hmm. And then you aligned your financial plan around that. And so I do the same thing. I have a planner that I look at daily, I always keep that in the forefront.
Things can change, priorities can change, plans can change. , And so stay on top of, , that vision and just stay in tune with it. That's part of manifesting, right? Is envisioning it and planning it and establishing the boundaries and taking the action.
Embrace Outside of the box. Okay, so there's that creativity piece coming back in. Yes.