Breaking Generational Money Habits: Matt Morizio on Values, Giving, and Financial Clarity

Welcome to another episode of Modern Financial Wellness! I’m your host, Jim Grace, and I couldn’t be more excited about this conversation. In this episode, I sat down with Matt Morizio, founder of Reconstructing Wealth—a financial advisor with a distinctive focus not just on dollars and cents, but on truly reconstructing our relationships with money.

5 Key Takeaways from This Episode:

1. Your Relationship with Money Is Inherited—But Not Irrevocable: Matt’s story highlights how our earliest experiences shape how we think, feel, and act around money. But with awareness and intention, we can “break the chains” and start a new narrative for future generations.
2. Scarcity Versus Abundance Mindset: Growing up with financial fear can drive lifelong habits of hoarding and scarcity. Learning to see money as a tool, rather than an object of fear or idolization, is crucial—and sometimes, that transformation comes from acts of generosity, not just earning more.
3. Giving Is a Game Changer: Matt’s practice of disciplined, intentional giving—even when finances were tight—was the catalyst that rewired his emotional relationship with money. Through giving, he moved out of fear and into a more abundant, peaceful mindset.
4. Emotional Intelligence Is as Important as Technical Knowledge in Financial Planning: Clients rarely come to an advisor for “money mindset work.” Yet, guiding clients to reflect on their values, money stories, and priorities often has a bigger impact than any stock pick or tax strategy. Sometimes, permission and empathetic guidance are what people need most.
5. Live Your Values, Not Just Your Numbers: The best financial plan is one that supports a meaningful life—not just a big bank account. Matt’s approach is about marrying technical planning with what matters most to each individual: family, purpose, generosity, or unique life goals.

Mentioned Resources & How to Connect:

• Matt’s Free Video Course: DM Matt on Instagram @mattmorizio for a free link.
• Books:
• Think and Grow Rich by Napoleon Hill
• Happy Pocket Full of Money by David Cameron Gikandi
• Website: reconstructingwealth.com (check out the unique generosity tracker!)
• Follow the Podcast: ModernFinancialWellness.com

This episode is perfect for anyone curious about the deep-rooted stories we all carry about money and how to break out of default patterns to live a life of purpose, impact, and freedom.

If you enjoyed this conversation or want to dig deeper, don’t forget to subscribe, leave a review, and check out our growing library of resources. Thank you for listening—and remember, financial wellness is about so much more than the numbers!