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July 14, 2025 17 mins

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Ever feel torn between wanting to teach your kids healthy money habits while still figuring them out yourself? You’re not the only one.

In this episode, I dive into the beautifully messy middle of breaking generational money patterns. What if your healing journey is actually the lesson your kids need most? They’re not looking for perfection—they’re learning by watching how you navigate money, regulate emotions, and grow your wealth consciousness.

Key takeaways:

  • Kids learn more from your energy and actions than your words
  • Regulate your nervous system before money talks
  • Frame mistakes as learning, not shame
  • Discuss purchases in terms of values, not just cost
  • Model putting yourself first, especially for girls
  • Small, honest conversations compound over time

You don’t need to have it all figured out.  Your evolving relationship with money is already the perfect curriculum.

Want to learn more or connect with me?


Step 1: Join my FREE Facebook Community.

Connect, share, and learn how to master your money with other women just like you.

➡️ Join here: https://www.facebook.com/groups/941450038160915

Step 2: Grab your FREE Human Design chart

Curious what your Human Design chart reveals about how you're uniquely designed to make aligned financial decisions?

➡️ Get your chart here: https://generatealifewelllived.com/receive-your-human-design-chart

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

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Transcript

Episode Transcript

Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Erin Gray (00:00):
I've had some friends and listeners reach out to ask
me to do an episode on how doyou teach your kids healthy
money habits when you still feellike that you are figuring it
out yourself.
What I consider the in themiddle, messy, imperfect and

(00:27):
really truly incredibly powerfulways that you can start passing
on a new money story, evenwhile you are rewriting your own
.
And I think this ties so lovelyinto the generational wealth
podcast that I just released,because I truly believe that we
are creating a new narrative andrelationship with money so that

(00:50):
our children and our children'schildren and generations to
come can do that as well.
Welcome back to your Money,your Rules, with me, your host,
erin Gray.
I am so grateful that you arehere.
This is a place that we talkabout all things money, from the
logistical, what I call the 3D,the knowledge part, as well as

(01:12):
the deeply spiritual parts ofmoney, so that you can create a
relationship with money thattruly supports you and that you
can live a life that you love.
So let's start with, first andforemost, that your healing, you
going through and workingthrough your money story is

(01:33):
actually the teaching you knowit's.
As parents, you know it's notabout having it all figured out
right before you start to modelit.
Kids pick up on your energy,your body language, your
willingness to grow, and I thinkit's really important as
parents that we teach this andmodel this to our children.

(01:54):
I think that our children arealways watching, and the more
that we can be very upfront andhonest where we are obviously
age appropriate but where theyget to see that we are working
through stuff as well.
We aren't perfect and I thinkit's important to show our kids
this.

(02:14):
You know, think about when youwere a kid.
Did you pay attention to thewords that your parents said, or
was it more so?
Their body language and theirtone?
You know we read energy asbeings right, especially as kids
, and then, as we become adults,we have become a little bit
more disconnected.
But I believe our kids arealways watching us.

(02:36):
So when they see you learning,when they see you navigating
your lessons and learning how tobe with money and talking about
money in a different way, theylearn that money is something
that you can evolve with right.
It's not something that youhave to be perfect at.
I think also, it's highlyimportant you know to be honest

(03:00):
and to be upfront, like Imentioned, you know in an age
appropriate way.
If you have a five-year-old,okay, obviously the
conversations that you're havingyou may not even be talking
about money, right, but yourbody language is really
important.
It's still important when yourkids you know 13 or 15, but the
conversations that you're havingwith your children at 13 or 15
are going to be obviously vastlydifferent than if you have a

(03:22):
child who's five or eight.
So we don't have to come in anddump our money wounds on them
and I highly recommend that youdon't but you can say things
like I'm learning how to be moremindful with our money.
It's something that wasn'ttaught to me and so I'm figuring
it out so that I can teach itto you as well.
And I think, with anything, ifwe can make it fun, if we can

(03:45):
make it more enjoyable, then ourkids are going to naturally I
mean, our kids are naturallycurious, right?
All of kids are naturallycurious.
So if we can make it more funand more enjoyable, then we're
going to be able to to have aconversation and a relationship
with money and with them in amuch more easy and free flowing

(04:06):
way.
I think that this normalizeslearning about money as a
process, not as a one-time talkor you know it's, you were here
and now you're there, right,they get to see you move and
evolve through this process andI think that it's so important
that our children see usevolving.

(04:28):
You know not this perfectparent on a pedestal that a lot
of times our kids put us on thatwhere we have it all figured
out, it gives them, I think, thepermission to do this as well
in their own life.
When we model for them that youknow what, I'm learning this as
I move through this, just asthey're learning how to interact

(04:50):
with their peers and they'rehaving to, you know, apologize
for, maybe behavior, or they'relearning how to have
conversations and repair it'sthe same thing that we get to
model for them so that they see,you know what, nobody's perfect
.
We're all learning and we'regrowing.
I have intentionally startedsaying in front of my kid that I

(05:10):
did this and I learned thisfrom it.
I try to avoid using languagelike a mistake, because I don't
think that there are mistakes.
I don't like to use the word Imessed up but I do like to say,
oh, I did this and this is whatI've learned from it, and or you
could use language like I chosethis and this is what I learned

(05:32):
from that.
I want her, I want my daughter,to see that learning is taking
action and then learning fromthe decisions that you've made
right.
It's not from sitting on thesideline thinking about it in
our head and never taking action.
Our learning is in the doingand then in the contemplation

(05:52):
afterwards.
The third thing that I wouldsuggest is focus on what you are
actively changing.
So maybe you're working onspending with more ease or
charging more in your businessor allocating more money for
yourself for fun.
So let them see these changes.

(06:15):
You know, for example, sayingsomething like you know I'm now
spending money just on me.
Like I'm learning how to spendmoney just on me for fun.
You know, mom is really good atspending on you guys because I
love you guys so much, but momis now learning how to do that
for herself, because I love youguys so much, but mom is now

(06:35):
learning how to do that forherself.
So enjoy, you know, like I'menjoying taking time for myself
where I get to do somethingspecial just for me because I
think it's so important.
I think whether you have boys orgirls or both.
But I think, as girls, as women, are receiving muscle is not
that built yet, it's not a verystrong muscle yet, and I think
it's really important that weteach our girls as obviously

(06:58):
equally as important as our boys.
But you know, for our girls,for us to teach them to how to
receive, how to, how to receivepleasure, how to have fun, how
to have something just for us.
So think about how you havelearned to treat yourself from
your mom and your grandma.
You know, for myself, for myclients, what I am noticing is

(07:22):
that our moms and I'm airquoting sacrificed a lot for us,
right?
They put themselves probably atthe end of the line, as did our
grandmothers, as did theirgrandmothers, right?
It's a pattern, it's agenerational thing, and just
like how we have a fork in theroad where we get to decide how

(07:44):
we want to be with money, Ithink there's also a fork in the
road for us as well, where weget to decide okay, am I going
to start putting myself first,so that my daughters, my sons,
my children, they get to see howimportant it is to treat
yourself as numero uno, firstand foremost.
It's like, literally, it's theairline saying right, put your

(08:05):
mask on first.
You cannot save or help anybodyelse unless you're doing that
first.
I think it's important for ourchildren to see that.
I think that they really get tosee hey, it's important to
treat myself with the utmostcare, utmost love, utmost
support, utmost nourishment,before I start taking care of
everybody else.
You know you're showing themhow to receive with pleasure and

(08:27):
with ease and with joy.
You know that, I think, is somany of us are working through.
And I always think that beforeyou have any conversation, check
in with your nervous system,make sure that it's regulated.
You know, if you have justfinished doing paying bills and
maybe you feel stressed, thatmight not be the best time to
then go have a conversation.

(08:48):
Go get yourself grounded, go dosome tapping, go do some breath
work Like, how do you want toregulate your nervous system?
Go on a walk.
What is it that you want to doto make sure that your nervous
system is calm before you have aconversation?
And I think that the biggestgift it isn't all of this
technical stuff we're so focusedon.

(09:10):
What is the strategy?
But I truly believe it's thatspiritual part, it's the 5D,
it's modeling that calm, easeful, open conversations not being
activated.
That's where I think that thegift is that we get to give our
children.
So if you start to model that,money is natural, it's easy,

(09:32):
it's flowing, it's based off ofa value exchange, not time for
dollars.
That money isn't scary or taboo.
They're going to start doingthat too.
They're going to model that aswell.
And the thing is probably theymight already naturally do this,
but we have maybe somewhatconditioned them out of that.

(09:54):
And if we have, this isn't aplace to beat yourself up, it's
totally fine.
Recognize it.
And then I tell my daughter allthe time you know what?
Mom used to think this way, butI have, you know, expanded my
consciousness.
I've learned different things.
I think about this differentlynow and I've changed my mind and

(10:15):
it's okay for you to do thesame as well.
So, before you haveconversations, think about what
exercises do you want toimplement so that when you enter
this conversation, you'reregulated, you're calm, your
nervous system is neutral,because they will feel that
safety or that lack of safety.

(10:37):
And also, I want to point outthat, teaching them where money
comes from.
I think a lot of us have beentaught that money comes from our
job or it comes from ourclients, if we have a business,
or it comes from our parentsbefore you know, we are 18, but
I believe that money comes fromGod, whether you want to call it

(10:59):
spirit or source or theuniverse.
However you want to think aboutit.
What feels true and connectedfor you, it's really
understanding that God is oursource and is our supply.
Maybe you've taught them thatit comes from you and you feel
like you're responsible forgiving it to them, but we are
and we aren't right.

(11:19):
It comes from you and you feellike you're responsible for
giving it to them, but we areand we aren't right.
Like as parents, we areresponsible for taking care of
our children and we aren'tresponsible for every single
thing that they want.
So you know this is obviouslyage appropriate conversation,
but you know my kid, who is 13now there are things that she
wants that her dad, my husbandand I that we don't buy her

(11:43):
because I don't see the value init.
It doesn't mean that it's notvaluable, it's just not
something that we choose tospend and invest our money on.
So I never tell her that shecan't have something, because I
think that that feels verydisempowering and I feel like
that.
We are trying to teach ourchildren that you know the law
of attraction and the law ofmanifestation and you know that

(12:08):
we can have anything that wewant If that desire is in our
heart.
A true desire is in our heart,it is already there in the 5d.
We just need to manifest it andbring it down to the 3D.
So I don't ever tell her thatshe can't have it, I just tell
her how does she want to createvalue, to receive the money to

(12:30):
purchase it?
And this, what I think it does,is it has us teaching our kids
how money is actually created.
It's not through time, it'sthrough value exchange.
So she begins and does feelempowered because she thinks
about purchasing itemsdifferently, and I think it's a
beautiful gift that we get togive our kids.

(12:50):
You know, for a long time Iwould probably use the word
burdened.
I burdened myself thinking thatI had to provide everything for
her.
But as she's gotten older, I'verecognized, I've realized, as
I've grown, my wealthconsciousness, as I've thought
about things differently.
I don't have to buy hereverything and I don't actually
think that we do want to bebuying our kids everything.
I think there is a beauty inwhat's called the law of

(13:11):
gestation.
I'm going to have a podcast outon that here in a couple of
more episodes, more episodes.
But you know, there is beauty inwaiting, there is beauty in
anticipation, and when ourchildren get everything that
they want, in that moment theydon't build up that muscle for
the anticipation and thegratitude for what they have and
for what's coming to us.
So I think that you know ifit's not something that is truly

(13:36):
of value to you and how youwant to invest and spend your
money, then I think it'simportant that you get to talk
to your children and you get tosay how do you want to receive
the money?
What kind of value do you wantto provide to the world in order
to receive that?
And let them use their creativeminds to go to work.
Our kids have beautifulimaginations and they will.

(13:58):
They'll come up with all kindsof ideas and I think the final
thing is just remember thatlittle things over time.
You know I always talk aboutzero to 1%.
They compound.
You know you're teaching themthrough dozens of tiny moments.
A lot of my clients talk aboutperfectionism.
I probably am a former recoveryperfectionist and we think that

(14:20):
everything has to be perfectbefore we start and it doesn't.
Our children, uh, and as wellas we do right, we learn in
these micro moments.
It's focusing on those little,tiny micro moments, the 1% that
we are doing over and over againto get us to where we're going.

(14:40):
So think about when you're atthe grocery store, you know,
when you swipe your credit card,are you thinking, you know,
like one of the books that I'veread talks about in God, which
you know?
Like the money that's printedif you're in the U S, you know
it's printed in God.
We trust, like that is becausewe are saying our God source
spirit is our supply in God.

(15:02):
We trust, you know.
Are you thinking thanking Godfor the money that you have to
spend on groceries when you'repaying for activities?
Are you saying, you know, hey,we're choosing to spend it on
this because we value.
You know my daughter wants totake piano lessons.
This because we value.
You know my daughter wants totake piano lessons.
We talked to her about like weare loving to spend this money

(15:29):
on you because we love you,expanding your creativeness and
your gifts that you have, and sojust talking to them and
they're getting to see how toallocate money based on values,
not based on price, and thesethings.
They build emotional literacyaround money far more than any
like lesson that you're going tosit down and try to teach them

(15:50):
or anything that they are goingto get in school if they even
get it in school Right.
So if you think about money froma relationship point of view
and how you are caring for it,you get to teach that to your
children and I want to offer youthat.
If you want support aroundchanging your money story so
that you can show up fully foryourself and the biggest,

(16:14):
brightest, most vibrant versionof who you are, so that you can
then ultimately show up for yourkids, I would love to support
you.
You can schedule a conversationby clicking the link in the
show notes to schedule a call.
So, to recap, I want to saythat you know what you don't
have to be and I'm air quotingfully healed.

(16:37):
You know we talk a lot aboutthat in the self-development
world.
You don't have to be all theway finished, learned all the
things, and I really don't thinkthat that ever occurs, right,
it's like every new level wejust get to experience it at a
different place.
So your growth is in thelearning and the teaching and be
open and stay regulated andfocus on small, consistent

(16:58):
conversations and notice how youfeel in your body before you
have conversations with yourkids.
And I want to say that this ishow we break cycles, right.
We do it in that messy middlewhat some call the river I don't
like this term, river of miseryor, you know, in that
uncomfortable part I even liketo change the language on that
right Like we're just doingsomething different that we

(17:20):
haven't done before.
It just feels a little bitunnatural right now, but it will
feel more natural the more thatyou do it.
But it's real, it's raw, it'shuman.
Our children get to see thatand it doesn't have to be
perfect.
So I'm rooting for you.
I believe in you.
I think, as all the humans onthe planet, but you know, as

(17:44):
women, we really have an optionand a choice to really change
the trajectory of where we aregoing with our money and what we
are teaching our children.
So thank you for being here andI will see you in the next
episode.
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