Financial therapy
for people who feel too much, spend too fast, and crave clarity
No shame. No strict budgets.
Just lasting change in your relationship with money.
Hi, I’m Rachel Duncan, MA
a Certified Financial Therapist™ + Art Therapist helping you get clear, confident, and emotionally steady with money.
Three Ways I Can Help
The 12-Week Roadmap to Money Healing Course
Learn at your own pace, in your own space. Reflective, creative, and private.
The Money Healing Club Membership
A living, breathing community where healing and learning happen in real time.
Live sessions, creative tools, ongoing care.
Individual Money Healing Intensive
The deepest of deep dives into the inner workings of you and your money. Work directly with a Certified Financial Therapist ™.
You’ve done the inner work.
But money? Still feels like the one thing you can’t get right.
You’ll impulse-buy the cute throw pillow, the face cream, the plane ticket, but avoid opening your bank statement.
You make good money, but still feel like you’re faking adulthood. (How does everyone else make it look so easy?!)
You’ve done the therapy and built a life you’re proud of. But money still makes you feel like a teenager sneaking around and lying to your parents.
You’re the first one to show up when your friend needs a ride to the airport. But you’re the last one to deal with a late bill, return within the return window, or dispute a charge.
You’ve come to accept and love yourself in all the important ways: your mental health, your relationships, your passions. But your spending still feels impulsive, emotional, and out of sync with the rest of your values.
If this feels a little too accurate — you’re in the right place.
And no, it’s not too late. It’s exactly the right time to begin.
What if money felt like self-respect — not self-sabotage?
On that note, what if…
You check your bank account with the same calm you bring to brushing your teeth. Just another simple act of self-care.
You understand your money reactions. Not as personal failures, but as patterns shaped by your past.
You honor your anger at the system, and let it fuel aligned, activist choices.
You pause before spending, not out of fear or self-punishment, but to check in with your body.
You recognize debt as a tool, not a shame spiral, and have a sustainable plan to manage it.
You handle surprise expenses without shame-flavored chaos.
You start saving, and feel proud of that. The life you’re building feels nourishing, spacious, and beautiful to live in.
The excitement you used to have with buying stuff transforms into a satisfying knowing that you have money in the bank.
You become the person you always hoped to be around money: steady, self-trusting, and still fun.
You spend on what matters and love yourself through what’s hard.
And the peace you’ve built? It ripples out into your relationships, your community, and your future self.
You could keep doing what you’re doing (winging it, right?). But if you’re being honest… you already know where that goes.
If nothing changes, the pendulum will keep swinging from perfectly color-coded budgets to late night Target hauls you promise to return.
You hide purchases. Avoid your statements. Numb out, then beat yourself up.
And that financially stable future you’re craving? It gets pushed to “someday.” Or worse — “that won’t be me.”
But here’s the truth:
You don’t have to wait for a breakdown to begin.
You just need a safe place to start your breakthrough. A process that works with your emotions, your unique wiring, and your whole self.
“Financial therapy is a thing?…
I’ve never heard of that, but I already know I need it.”
When I tell people what I do, that’s almost always the response.
Because money touches everything — relationships, identity, safety, self-worth — but no one teaches us how to feel our way through it. Heck, therapists aren’t even trained on money topics.
But I am. I have a Masters Degree in Clinical Mental Health Counseling, specializing in Art Therapy, I’m a Certified Financial Therapist™, and I’m Certified in the Trauma of Money™. And I’ve supported hundreds of people go from all-or-nothing thinking to a compassionately nuanced and holistic money practice..
Most people think they need to get strict with themselves before they can be “good with money”.
But getting “good with money” isn’t about willpower. And it’s certainly not about finding the perfect illusive budgeting app.
It’s actually about healing. And that starts with understanding the emotional roots of your patterns.
When you heal the part of yourself that still feels like a kid about money?
Self-trust grows
Self-sabotage quiets
And the nuts and bolts of money become so much more manageable
This isn’t just financial advice. It’s a new way of relating to money.
The Money Healing approach is built on five core pillars, each one designed to work with your personality, nervous system, emotions, and your lived experience.
Here’s what that looks like in practice →
-
Money stress doesn’t live in a spreadsheet. It lives in the body. Expect regulating practices to start off most money healing lessons.
Here, we move at the organic pace of insight and integration, not urgency.
-
You’re not bad with money. You’re carrying inherited stories, ADHD-adjacent patterns, survival wiring from early life experiences, and cultural shaping.
At the Money Healing Club, we trade shame for self-trust, judgment for curiosity, and secrecy for enthusiastic cheerleading for each other's small (but mighty) wins.
-
We use art therapy, journaling, and reflection alongside real money tools.
Because sometimes, one drawing reveals more financial insights than a month of receipts in a shoebox.
-
Healing happens in relationships, not in isolation.
If you choose to join the Club, you’ll walk this path with others — sharing insights, resources, accountability, compassion, and well chosen GIFs. -
Getting better with money doesn’t mean following inherited rules or societal pressure. It means rewriting your money script in a way that honors your past but makes space for your present.
We name the systems, unpack the shame, and create space for financial activism and joyful self-expression
What do you say?
Ready to try something different?
Whether you want to dip a toe in or dive deep, here are three ways to begin your money healing journey.
Option 1: A self‑paced, private starting point
12‑Week Roadmap to Money Healing + “Get Your Money Organized” Mini‑Course
I know money is heavy. This is your softer way in. Here you get a standalone, emotionally safe way to begin this work. It’s self-paced support rooted in financial therapy.
This isn’t a budgeting bootcamp (although it does include a pretty spreadsheet!). This roadmap is a tender, reflective journey through your relationship with money—combining art therapy, journaling, societal questioning, and practical tools to help you build clarity, confidence, and sustainable money habits.
One‑time investment, lifetime access—choose your pace, own your progress.
Bonus: Start here now with immediate access (and even a breakthrough guarantee). If you join the Club membership later, all course content is already yours—no restart required.
Option 2: Step into long-term, cost-effective, supported change
Join the Money Healing Club Membership
The Club is where everything comes together: the 12‑Week Roadmap, reflective art and journaling, live group sessions, coaching, and a lovingly held private community. All designed and led by Rachel.
This isn’t another finance group, and it’s not a “manifest abundance woo-woo gathering”. The Club is where nervous systems find rest, emotional storms settle, and confident money moves grow roots. It’s also where your money ups and downs are met with lightness and warmth.
In the Club, you're not just learning tools—you’re stepping into a long-term container of care, courage, and collective healing.
Everything you’ll uncover in your self-paced course lives here, too. But in the Club? You’re witnessed, held, and supported.
Option 3: Individual Financial Healing Coaching
Individual Money Healing Intensive
The Classic. One-on-one sessions with Rachel Duncan, CFT ™ + Art Therapist. Take a deep-dive into emotionally focused financial coaching if you are ready to stop spiraling and start healing.
-
“With Rachel’s help and the Money Healing Club, I was able to get four bank accounts in the positive, pay off my credit card, create and use a budget, and understand my income vs expenses. It has been so beautiful and powerful to realize how many others are experiencing the same thing I was.”
Thea -
“The Money Healing Club has been just what I needed to get my finances back on track. From the financial lessons to the healing exercises to the supportive community I am gaining more confidence with my finances and finally processing decades of shame and fear around money.”
Angie
-
“I learned useful tools to handle and track my money, I met other people who helped me feel less alone in my fear of money and I can now speak about and look at my money without becoming severely dysregulated.”
Jean
Not ready to commit? It’s okay to start small.
7‑Day Mindful Spending Email Course
A gentle, email-based intro to financial healing. No pressure. No live calls. Just thoughtful, private prompts with videos to help you get started with mindful spending (and get Rachel’s vibe).
Think of it as a pre-step to the course or Club.
A Soft Place to Land:The Money Healing Club Podcast
Want to hear what this work sounds like? The podcast is a gentle way to tune into your own money healing journey—and hear a financial therapist finally put words to the things we’re not usually allowed to say about money.
Featured Episode
Healing in action
-
![]()
If you’re on the fence, JUST DO IT—you won’t regret it! As a long-time course collector and lurker, this has been the BEST experience I’ve had. The community is incredibly engaging, and I truly feel like we’re all in this together. I’m finally starting to address my emotional shopping tendencies, and it’s all thanks to this course and the supportive environment.
Sydney
-
![]()
Rachel has taught me how to work on being kinder to myself while also setting realistic goals for income and budgeting! The most recent spreadsheet challenge was eye opening and motivating!
Mairin
-
![]()
Rachel holds the space in a supportive, light and humorous way, reminding us that we are not alone and this work is hard. It has made it easier to face tough issues and be gentle with ourselves and more communicative as a couple.
Tekla & Steve
-
![]()
I found the Club in a time when I needed it most. I felt so out of control with my money/spending and just overwhelmed with the feeling that I was just bad with money. …I’ve learned a lot about how to deal with my money issues when feeling overwhelmed and how to not get stuck in an avoidance phase… It’s all super informative and so easy to follow.
Rebeca
-
![]()
Healing in community is so powerful, and the support from both Rachel and the group has led to many mindset shifts and aha moments in my money healing journey. Highly recommend! 🙌
Kelly
-
![]()
I found a place I belong, here with this thought inspiring, compassionate and intelligent group. I recommend the MHC for people who seek a sense of community led by a charismatic guide, Rachel Duncan. Enjoy!
Lynn
-
![]()
Before I joined the Club, I felt frustrated and hopeless about money… If you're considering joining the Club, don't hesitate to try it. MHC is fun, supportive, affirming, healing, and could be one of the best financial decisions you ever make. I know it has been for me!
Haley
-
![]()
I loved the creative exercises we did - they helped me see things I couldn't see before and move forward. I now have (and use!) a spreadsheet to manage my money - something I felt real resistance to before! Somehow using it is fun, not heavy! So take the plunge- you won't regret it!
Laura
-
![]()
Joining the Money Healing Club has begun an incredible mindset transformation. It has been a supportive community to glean mutual understanding, support and encouragement to make the changes I have been afraid to make. It has been a powerful experience.
Anne
-
![]()
My experience working with Rachel was transformative for my healing with past financial traumas that have led me to having a scarcity mindset with my money. I cannot recommend Rachel and Money Healing Club enough!
Haley
-
![]()
Rachel, that was the best and clearest explanation of trauma, trauma in the body and generational trauma that I have ever heard. This was a challenging assignment for me, but it helped me to understand that I am not alone in experiencing financial trauma and the journaling helped relieve me of many of the physical reactions I had while listening to you, including slowing my heart rate and loosening the tension in my chest. I also liked the fact that Rachel stressed that not being good with money is not simply a question of intelligence or ability and it is not a question of morality.
Jean
-
![]()
Prior to my joining the Money Healing Club I struggled with the debt cycle and did not know why. I used a budgeting app and budgeted but still found myself in a constant circle of paying off debt and then getting back into it. After joining the club I learned I was missing a key piece of the money puzzle and that was to have a mid-level savings account for those unexpected expenses that occurred every year but I did not think about them everyday… I also learned about the debt cycle, the "F-it” moments, and why this occurs in so many of us! Thank you to Rachel for creating this club and a safe space to learn, share, and grow!
Renae
What Does Art Have to Do with Financial Therapy?
If spreadsheets make you mildly dissociate, this post might be your permission slip to approach money differently.
Rachel shares how creative expression isn’t a distraction from money work — it’s a powerful bridge to insight, intuition, and nervous system relief.
You’ll learn about a simple practice to make an image of the container for your money. Invite the right side of your brain into your financial conversation, and let it share its quiet wisdom.
You can build a relationship with money that’s clear, grounded, and rooted in care.
Not from force, but from support.
Not to prove anything, but to create a self-led life that feels beautiful to live.
You are not your bank account. Welcome to money healing.
Ready to begin?
-
The 12-Week Roadmap to Money Healing
Learn at your own pace, in your own space. Reflective, creative, and private.
-
The Money Healing Club Membership
A living, breathing community where healing and learning happen in real time.
Live workshops, small group intensives, creative tools, ongoing care.
-
Individual Money Healing Intensive
Ready to get to the root of your money blocks in our most high-touch offer with a financial therapist?
-
![]()
“I have a very complicated relationship with money. Being raised in a family and a society that does not provide healthy tools for managing money (especially for women) coupled with undiagnosed ADHD leads to crippling feelings of inadequacy and shame around money… Healing in community allowed me to be seen and helped neutralize the shame that had kept me stuck for so many years. My journey has only begun but I have seen more positive results in the last 6 months than I have in my entire adult life and I know that the MHC community is my key to success!”
TM
-
![]()
"Being part of the Money Healing Club has been incredibly supportive. Rachel, thank you for creating such a welcoming community. It has been comforting to know others are going through similar financial journeys. Since joining, I’ve become much more conscious of my spending habits and have taken the first steps towards understanding my overall financial picture. This is just the beginning of my healing process, and I’m moving forward with hope and optimism."
Amanda
