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About

Money Healing Club

A printed note with two quotes about the Money Healing Club. The first quote is in green text and reads, "The Money Healing Club started with a quiet but persistent observation: people don't struggle with money because they're bad at math." The second quote is in red text and reads, "They struggle because they have strong, sometimes difficult emotions about money." The note is on a piece of paper with holes punched on the sides.

Those strong feelings live in your body, your history, and your relationships. It shows up in late-night spirals, in the “I’ll deal with it later,” in the purchases that make perfect sense at the moment, but you’re not sure what’s arrived in the delivery box a few days later. 

And yet, most of us were never taught how to work with the inevitable and normal part of the money experience. We were given rules and budgets and advice (with a good helping of shame). Sometimes we weren’t given any guidance at all. Maybe that approach works for some, but it doesn’t for everyone. And when the mainstream advice doesn’t work, it’s easy to assume the problem is you.

Enter: Financial Therapy.

What if you learned about money from someone trained in mental health,
not the stock exchange?

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Money Healing Club is a softer place to land in the world of personal finance.

 A space where you don’t have to leave parts of yourself at the door in order to “get better” with money. Here, we treat money as a relationship. Something you can listen to, understand, and reshape over time, rather than something you need to control perfectly.

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We process the money habits that usually stay under the surface: the impulse spending that breaks your own heart, the avoidance that feels like a concrete block, the shame that's convinced you “I’m just bad at money”.

We use creative reflective exercises to make the mysterious appear real on the page because the right side of your brain (the seat of metaphor, emotions, instinct) holds a tremendous amount of money wisdom that’s waiting to get untapped.

We use nervous system regulation practices because you learn and heal when you feel safe and present.

We also look at the bigger picture: how financial patterns are passed down through families, how scarcity and survival strategies get inherited, and the complex intersectionality of culture, class, gender, race, and age that shapes your money beliefs.

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We look at impulse spending through an addiction-informed lens, not to label or pathologize it, but to understand the push/pull of it and what it’s trying to soothe.

It happens slowly and dotted with moments of major insights. It happens in conversation, in community, and in those small moments where something that once felt overwhelming starts to feel a little more workable.

Healing your relationship with money doesn’t happen through willpower alone.

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Your relationship with money is lifelong

let’s make it a friendly one.

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If you’re feeling the pull to approach your money in ways that suit your emotional wiring, there are a few ways to step into this work.

You can join the membership, where this work happens in an ongoing, supportive community.

You can add your name to the waitlist for a deeper, more immersive intensive experience.

Or, if you’re looking for more personalized support, you can apply to work with me 1:1.

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Rachel Duncan

About

MA CFT™ ATR-P

Certified Financial Therapist™ | Art Therapist | Speaker | Podcaster

I didn’t set out to work with money. But money work has always found me. I started in the art therapy mental health field, helping people in the middle of very human things — anxiety, depression, burnout, relationship problems, major transitions, injuries, neurodiversity and so much more. And over time, I kept noticing that money was almost always present in the therapy room. I wanted to bring it in, but my training notably left out the money angle.

The connection between money and mental health became harder to ignore: the stress, the shame, the sense of “I should have this figured out by now.” It was showing up everywhere, and almost no one had a place to actually talk about it in a meaningful way.

At the same time, I was having my own experiences of feeling confused and unsupported around money, despite doing all the “right” things. Finding financial therapy felt like naming something I had already been circling for a long time — that money is not just practical, it’s relational, emotional, and deeply human. And realizing that I had the skills to help people get better with money from an emotions-first perspective, and guess what?

a hand holding a stopwatch in front of a credit card and fanned out money

It worked.

From there, my work began to shift dramatically.

Now, as a Certified Financial Therapist™  and Art Therapist, I work with people who are thoughtful, capable, and often quietly struggling with money in ways that both traditional financial advice and typical therapy approaches are ineffective. Many of my students and clients look like they have it together from the outside, but internally feel behind, overwhelmed, or stuck in patterns they can’t seem to change.

In our work, we slow things down enough to look at patterns without rushing to fix them, and we get curious about behaviors that used to feel frustrating or confusing. We process your lifelong story of money, often untold. We explore the nervous system responses that drive financial decisions and build tools to stay more grounded around the topic of money. Only then do we learn tools like spreadsheets and money apps to get organized and make informed choices.

We also make space for the larger context: the ways money stories are passed down, and how identity, culture, and lived experience shape our relationship with money in ways traditional advice doesn’t account for.

Because getting better with money isn’t about becoming a different person.

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It’s about building a relationship with money that can actually hold your real life — something that feels calmer, clearer, and more true to you.


CREDENTIALS:

  • MA in Clinical Mental Health Counseling & Art Therapy (Antioch University)
  • Certified Financial Therapist™
  • Certified Trauma of Money™ Professional
  • Provisional Registered Art Therapist (ATR-P)
  • Registered Unlicensed Psychotherapist (Colorado)
  • 2025 Financial Theory Externship, FTCI
My work has been featured in The Retreat by Carly, FinCon 2023, AARP and the Colorado Art Therapy Association.

Set down the budget. Pick up your journal. Join me.

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When I’m not helping people heal their money wounds, I partner with organizations and educators to explore how money lives in our bodies, relationships, and cultural narratives. Whether I’m guest-teaching a class, discussing financial therapy on a podcast, or facilitating a group workshop, my approach stays the same: practical, creative, emotional, and deeply human.

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Gold-edged circular badge with stars surrounding a white background, displaying the logo of FTC Financial Therapy Clinical Institute LLC and text celebrating participation in a financial therapy externship.

Rachel delivers engaging money healing workshops


Featured Podcasts

Heal Your Relationship with Money 


Podcast Image - Heal your relationship with money

Podcast - Off The Grid: Leaving Social Media Without Losing All Your Clients

Join Rachel Duncan, a certified Financial Therapist and Art Psychotherapist, as she explores the psychological, emotional, practical, and magical aspects of healing your relationship with money. Discover where money meets creativity, the role of neurodivergence and addiction, and learn visualization techniques for remapping your financial mindset.

Read More…

Overcoming Spending Addictions


Promotional graphic for the 'Price of Avocado Toast' podcast, featuring a woman with shoulder-length dark hair in a blazer smiling, sitting at a table with a cup, with text about a new episode on overcoming spending addictions with Rachel Duncan.

Podcast - Price of Avocado Toast

Struggling to control your spending? Join financial therapist Rachel Duncan, founder of the Money Healing Club, as she delves into childhood money beliefs and the truth behind spending addictions. Rachel’s trauma-informed approach offers insights into financial healing and supportive therapy options.

Read More…

Money and ADHD with Rachel Duncan


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Podcast - Business By Nature

Tune into this episode to understand what’s ADHD, what’s culture, and what’s generational differences and all the different intersections that play out.

Rachel shares some of the financial support systems, tools and methods she uses with neurodiverse members of her community.

Read More…

Money! Healing Our Relationship with Our Finances with Rachel Duncan 


Two women smiling and standing together for a promotional image, with text indicating episode 286 of 'The Baggage Reclaim Sessions' podcast.

Podcast - The Baggage Reclaim Sessions

Rachel Duncan joins Natalie Lue to explore how childhood, family dynamics, and cultural conditioning shape our relationship with money. Rachel shares insights on people-pleasing, financial habits, and a journaling exercise to start healing your money story.

Read More…

Why Financial Therapy Is A Powerful Part of Addiction Recovery


Promotional graphic for Rachel Duncan's program on financial therapy, featuring a smiling woman sitting in a black chair with a multicolored background.

Podcast - Healthy Love and Money

Host Ed Coambs talks with Rachel Duncan, a therapist blending addiction recovery, art therapy, and financial therapy. Rachel discusses embracing life's messiness and finding beauty in chaos. Discover how art therapy helps us confront our deepest feelings about money and self-worth.

Read More…

Healing Your Money Mindset


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Podcast - Unf*ck Your Biz With Braden

Join financial therapist Rachel Duncan as she combines her expertise in mental health and personal finance to help impulse spenders build trust in themselves. Rachel shares an exercise on identifying "money scripts"—deep-rooted beliefs about money shaped by our experiences.

Read More…

Healing Money Wounds with Rachel Duncan


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Podcast - Dear Creative Mind | a space for creative liberation

In this heartfelt conversation, Rachel Duncan and Pascale Cote dive into the often-unseen emotional connections we have with money, especially for creatives. Rachel, blending Financial Therapy and Art Psychotherapy, offers insights into how we can heal our money stories, shift our mindset, and find freedom in both our art and finances.

Rachel Duncan heals money trauma


Cover art for the Compassionate Climb Podcast episode 107 featuring Julia Nepini. The topic is Emotions and Money with guest Rachel Duncan. The background is teal with diagonal stripes, and it features a stylized graphic of a person climbing a tree with colorful leaves. A small circular photo of Julia Nepini is in the lower left corner. The podcast name and episode information are displayed with a pink and white banner reading 'Money Healing Club' with a dollar sign.

Podcast - Compassionate Climb with Julia Nepini

Listen to Rachel on the Compassionate Club Podcast with Julia Nepini as she shares her journey into financial therapy and how trauma shapes our relationship with money. In this episode, she explores art therapy, noble poverty, and why healing your own financial wounds matters.

The Art of Money Healing: Why Financial Therapy Matters


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Podcast - No BS Wealth Podcast with Stoy Hall

In this bold, thought-provoking episode, Stoy Hall sits down with financial therapist Rachel Duncan, who's revolutionizing how we heal our relationship with cash through art and creativity. Ever felt like the financial industry left you behind? You're not alone.

Money, Shame & Self-Worth


Promotional graphic for a podcast episode titled 'Money, Shame & Self-Worth: A Healing Conversation' featuring guest Rachel Duncan. The show is the Empowered & Embodied Show hosted by Louise Neil and Kim Romain. The graphic includes a photo of Rachel Duncan smiling, and pictures of the hosts. Bright colors and a polka dot background are used.

Podcast - Empowered & Embodied Show By Kim Romain & Louise Neil

Why does talking about money feel so hard? In this episode, Kim and Louise are joined by financial and art therapist Rachel Duncan of The Money Healing Club to unpack the tangled emotions so many of us carry around money.


Featured Articles

Meet Rachel Duncan | Financial Therapist & Art Therapist


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Published on Shoutout Colorado

In this interview, Rachel shares her passion for financial therapy, blending art therapy with money management, and her vision for helping others heal their relationship with money. She discusses her journey, innovative exercises from the Money Healing Club, and her aspirations to train others in this unique approach.

The Art of Money Healing: Rachel Duncan’s Colorful Journey to Financial Wellness


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Published on Medium

Written by Jack Garay

In a recent podcast-style interview, Rachel shared insights into her journey, her approach to financial therapy, and her vision for the future.

Read It Here

A Financial Therapist on Inherited Money Stories


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Published in The Retreat Print Newspaper

An interview on how inherited money stories shape us—plus a practical guide to rewrite limiting beliefs. This article & practice was originally published in our monthly print newspaper The Retreat, the April Issue, No. 23 | Business & Pleasure.


Featured Events


Are You Binge…Spending? Where Budget Culture Meets Diet Culture With Rachel Duncan

Reach 🌟

Instagram: 4.4k Followers

Email List: 8,500

Audience 🧑🏿‍🤝‍🧑🏽 (IG)

Gender: 96% Female

Age Range: 56% 25-34 / 25% 35-44

English Speaking: 62% US, 10% Canada, 7% UK, 5% Australia

Suggested Topics

  • Spending Addiction Absolutely Exists, and How to Treat It

  • Self-compassion is your Best Financial Tool

  • Overcoming Financial Shame with Money Healing Communities

  • Why We Should Stop Telling People to Make a Budget

  • Class Identity is Still Relevant to All of Us

  • Self-trust as the Foundation of Financial Stability

  • Befriending Shame and Guilt in Financial Conversations

  • Understanding Emotional Shopping and Overcoming Impulse Spending

  • ADHD and its Impact on Financial Behavior

  • Healing Financial Trauma with Art Therapy

Suggested Questions

  • How would you define self-compassion in the context of personal finance?

  • Why should we stop telling people to make a budget?

  • What are signs that someone might be struggling with spending addiction?

  • How does class identity influence our financial attitudes and behaviors?

  • What are practical strategies for working with emotional triggers for spending?

  • How can money healing communities help individuals overcome financial shame?

 Contact

Rachel is available for speaking engagements, podcast guesting, trainings, and articles that align with her values.

For press & media inquiries, please email howdy@moneyhealingclub.com