125 | How to Create Generational Wealth That Goes Beyond Money

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What if generational wealth isn’t just about money?

We’ve been taught it’s all about assets and tax strategy.  I believe the real legacy is about your money beliefs, patterns, and energy your kids pick up from you every single day.

Many of us are the first in our families to build real wealth in our 30s and 40s, often from a foundation of scarcity and stress. And we know that just having money doesn’t create safety.

 In this episode, we dive into:

 ✨ Redefining generational wealth beyond just financial assets
 ✨ How money beliefs and energy get passed down (often unconsciously)
 ✨ Why a regulated nervous system leads to healthier financial decisions
 ✨ Small ways to start shifting the money language in your home
 ✨ How simply becoming aware of your patterns can start changing everything.

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Step 3: Ready to transform your relationship with money and build true financial confidence?

Let’s create a plan that feels aligned, intentional, and empowering—just for you.

➡️ Schedule your free clarity call here (https://tidycal.com/eringray/45-min-call-with-erin)

Money doesn't have to feel overwhelming. Let's create a plan that feels nurturing and custom to you.

From my soul to yours,

Erin

Episode Transcript

Erin Gray (00:00):
When you hear the term generational wealth, what
comes to you?
Is it possibility?
Is it pressure?
Does it feel like a bigresponsibility?
In today's episode, I want toshare my belief on what building
generational wealth actuallymeans and how you can start
creating it right now, no matterwhere you are, and if you're

(00:21):
ready to build not just morewealth, but actually a
relationship with money thatfeels safe and steady and joyful
and deeply aligned.
I would love to support you.
My mission is to help amazingwomen who want to change their
money story for themselves, fortheir children and for their
generations that come after.
The link is in the show notesto schedule a consultation.

(00:44):
Welcome back to your money yourrules podcast with me, erin Gray
.
I'm grateful that you are herejoining me for another episode,
so let's dive in.
Okay, so let's talk aboutactually what I believe
generational wealth actually is.
You know the financial world,the financial industry has us
believing that it is assets thatwe have accumulated, allocated

(01:07):
and structured throughout ourlifetime and so that we have
allocated them appropriately,titled them appropriately, so
that we can pass them on to ourheirs with the least amount of
taxes and interference likeprobate, attorney's fees, et
cetera.
But I believe that it's so muchmore than that.
I believe it is also thebeliefs, the patterns, the

(01:29):
energy that you pass on, or Ishould say, the energy that you
live in while you are on thisplanet, and the beliefs that
your children pick up from youright now, today, so many of us
inherited scarcity, anxiety,secrecy around money, and
breaking free from that is, Ibelieve, also generational

(01:51):
wealth.
Teaching our children aboutmoney so that they can feel
empowered and that they canchange their lives in the world
I believe that, like that istruly generational wealth, and
why I believe this actuallymatters is that many of us are
the first in our families I mean, this has been true for me and

(02:13):
also a lot of my clients is thatwe are the first in our
families to build wealth in ourthirties and our forties.
Like not actually retirement iswhen we got to you know that
amount of wealth and like howour grandparents or our parents
might have.
And but many of us built it orhave built it from that place,

(02:33):
from scarcity, from not enough,from fear.
And where did we get this?
From our parents, right, ourparents didn't know any
different because they learnedfrom their parents.
So, on the one hand likecongrats to us right For
rewiring what is normal, theexpectations, what we believe is

(02:54):
possible for us and our lineage, and the time that we could
create that amount of wealth.
Like that's huge, like pat onyour back, so grateful, so proud
of yourself.
You know, having money, livingthe lifestyle that we are used
to living, like our childrenhave vastly different lifestyle
or childhood that many of us had.
I mean, I pretty much sure Iwasn't getting massages, like my

(03:16):
daughter asked me this morningmom, when was the first time
that you got a massage?
I'm like 25.
She's like I was eight.
I'm like, yeah, I know.
Like just just, the lifestylethat our children have now is
very different.
And what we do know is that wedon't want just more money.
We want freedom with our money.

(03:38):
We want more ease with ourmoney.
We want to feel safe with ourmoney.
We want to feel safe that moneyis always going to be there for
us.
We want our bodies to know thatmoney flows in and it flows out
, just like our breath.
I think we truly wantprosperity and abundance, and
prosperity is defined as how youactually feel when the money is

(04:03):
spent and being in a constantstate of flux.
It's having everything you wantright now and knowing that more
is coming.
We want true prosperity andabundance and this is why I
believe that it's so importantto actually teach your body that
it's safe to have and tocirculate money.

(04:26):
It is the nervous system workthat so many of us are craving
or maybe you're already, youknow, deep in this work right
now, because we have all seenthat simply having money sitting
in a bank account doesn'tautomatically equal or create
safety.
You know, if money still feelschaotic or it feels threatening,

(04:51):
your body holds that stress.
That is when you find yourselfmaking reactive decisions,
because you are in those lowerthree chakras.
You are in that survival stateof being versus, in that
creative.
You know this.
This looks like hoarding, thislooks like undercharging, this
looks like avoiding yourfinances altogether.

(05:13):
Or you know, buying the when Isay cheapest thing, I mean what
costs the least.
But that's not actually whatyou want.
But when you learn how toregulate your nervous system,
when you learn how to approachmoney with more calm and ease,
that is what you begin to modeland your children pick up on
that.
That is what you pass down andthat, I think, is even more

(05:36):
powerful than any dollar amountthat we could ever give to our
children.
You know, the safest thing thatyou can give the next
generation, it's not a financialinheritance, it's not more
money, it's your own healed,grounded relationship with money
.
So you might be saying, okay,aaron, that's great, I'm all in,

(05:57):
I hear it, but how do youactually do this and everything?
I will say this to the end oftime everything starts with
awareness how you are thinking,how you are speaking about your
money currently with your spouse, with yourself, in your head,
with your kids.
Pay attention to that.

(06:18):
That is the first step.
We don't have to changeanything, like I was talking to
a client last week and I said Iwant you to ponder your language
that you're using and she saidso, you just want me to see what
I am saying.
I said yes and not changeanything.
And I said yes, exactly, don'tchange anything.
All we're doing for the nextweek is we're just noticing what
we're doing and saying aboutour money.

(06:40):
And then I want you to thinkabout are you normalizing,
talking about money Just likeit's, like the weather, or does
it feel heightened in your body?
Are you saying things like wecan't afford it, when you
actually can, but you just don'twant to buy that for your child
, which is not a problem, right?

(07:00):
We don't have to buy everythingour children want us to get for
them.
But what language are you using?
Or are you saying things likeI'm choosing not to invest in
that right now because X, y, z,like I will tell my daughter, or
our daughter, you know, I willtell her.
Listen, I don't want to buythat because that's not a value
that dad and I currently have.
If you want to use your moneyfor that, that's totally fine.

(07:22):
You're welcome to do that, butmom and dad don't want to use
our money for that, and I thinkthat that is so empowering to
our kids, because then they getto choose.
So if you are feeling activatedwith your kids when they ask
you for things, or you're nottalking about money or teaching
money, let this be an invitationfor you to take this work

(07:44):
deeper.
You know this is some of thework that I do with my clients
and I would love to support you.
We work through some of thesedeep-seated money beliefs.
We work on the logistics what Icall the 3D of money.
Right, we understand what ourfinancial snapshot is.
We talk about our goals, wherewe want to go, but it's really
this deeper inner work, innerself-concept that we have, our

(08:09):
beliefs that we have about money, releasing them, because we are
all born abundant andprosperous, just we've picked up
beliefs along the way.
So I would love to support youIf this resonates with you.
You can schedule a call by justclicking on the link in the
show notes or you can head overto my website at generate a life
while livecom and schedule acall.

(08:32):
So I believe, like I said,generational wealth it's more
than assets, it's nervous systemsafety, it's beliefs, it's
behaviors, it's empowering ourchildren so that they can have a
different life and theirchildren and grandchildren Like
I really truly believe.
For us as women, there's a forkin the road.
We get to either continue to goon the same route that we've

(08:52):
been going on and we repeat thesame patterns for our kids and
grandkids, et cetera, or wewould get to say you know what,
no more for our kids andgrandkids, et cetera.
Or we would get to say you knowwhat, no more.
I'm going to do this work.
I'm going to remove some ofthese limiting beliefs that are
keeping me small, that are notallowing me to live my life to
my fullest.
I'm going to let go of some ofthese beliefs so that I can

(09:14):
teach this to my children, and Ithink we're already doing some
of this already.
Right, you're already creatinggenerational wealth by healing
your relationship with money.
So, like I say, with anything,zero to 1%, it's everything.
Start small, start withawareness, start with how you
actually want to feel with money, and then notice when you

(09:37):
aren't thinking and feeling andacting from that place.
Okay, that's all I have for youtoday.
I'll see you in the nextepisode.