10 Game-Changing Lessons I’ve Learned in 2 Years as a Money Coach
How transforming my relationship with money reshaped my life
When I decided to become a money coach, I thought I’d be helping people balance spreadsheets, smash debt, and grow their wealth. I had no idea that along the way, I’d be forced to face some pretty ugly truths about myself—and about how we all think about money.
Two years and three months later, here’s what I’ve learned. These aren’t your typical feel-good tips; they’re the real, raw truths that transformed not just how I approach money, but how I live my life.
Buckle up, because this isn’t your average list.
1. Minimalism Isn’t Just About Stuff—It’s About Your Soul ⚪️
When your wardrobe is overflowing, your mind is, too. When your schedule is packed, your heart feels it. Your external chaos mirrors your internal world—full stop.
Minimalism taught me to live with less, not just in my home but in my head. I stopped buying things "just in case." I decluttered my wardrobe, my to-do list, and even the people in my life who drained me.
Minimalism isn’t about sacrifice; it’s about freedom.
And honestly, it’s addictive.
The more I let go, the lighter I feel.
2. Money Doesn’t Fix Insecurity 💰
Here’s the truth no one likes to admit: the size of your bank account won’t make you feel worthy. I’ve coached clients earning six figures who are still terrified of checking their balance, and others living on half that who feel free.
Your relationship with money isn’t about the numbers; it’s about your mindset. If you’re chasing money to fill a void, you’ll always feel empty.
The real work?
Fixing what’s inside first.
3. Talking to Strangers Can Change Your Life 🗣
As a proud introvert, I used to avoid small talk like the plague. Networking events made me sweat, and the idea of pitching my services? Pure terror. But here’s the thing: every opportunity I’ve had came from a conversation I was scared to start.
The awkward chats at events? They led to partnerships. The cold pitches? They turned into clients.
You don’t have to be loud or fake to connect with people—you just have to be real. Start small, be curious, and watch your world expand.
4. Letting Go Is a Superpower 🍃
You can’t grow if you’re clinging to old baggage. Whether it’s an outfit you’ll never wear again or a belief that you’re "not good with money," holding on keeps you stuck.
I’ve learned to release things that no longer serve me—possessions, habits, relationships, even business ideas.
Letting go isn’t a loss; it’s making space for something better.
And once you get the hang of it, it’s bloody liberating.
5. Passion Alone Won’t Pay the Bills 🔥
I know this sounds harsh, but hear me out. Passion is what gets you started, but discipline is what keeps you going. I love coaching, but it’s not just about doing what I love—it’s about running a business. That means showing up when I don’t feel like it, learning skills I didn’t know I needed, and taking risks that scare me.
If you want your passion to pay, treat it like a business.
Structure it, invest in it, and yes, work your arse off for it.
6. Vulnerability Builds Wealth 💬
Talking about money is one of the most vulnerable things you can do. It’s messy, personal, and full of shame for so many of us. But vulnerability is where transformation starts.
When I share my struggles—like the time I nearly went bankrupt—clients feel safe to open up about theirs.
And that’s where the magic happens.
The more honest you are with yourself and others, the more you grow—financially and emotionally.
7. Financial Freedom Isn’t About How Much You Have 💸
If you think financial freedom is a number, think again. It’s not about having £100k in savings or retiring by 40. It’s about feeling in control of your money, no matter how much you make.
Freedom comes from clarity and confidence—from knowing your money works for you, not the other way around. When you realise that, the pressure to "keep up" with everyone else disappears.
8. Your Relationship with Money Mirrors Your Relationship with Life 🌍
How you handle money says a lot about how you handle everything else. Are you impulsive? Avoidant? Controlling? Fix that with money, and you’ll see the ripple effect in every part of your life.
For me, learning to respect money helped me respect myself more. I stopped wasting energy on things that didn’t align with my values—whether that was impulse buys or toxic friendships.
9. Gratitude Will Change Your Life 🙏
This isn’t just about saying "thank you" when things go well. It’s about finding something to be grateful for even when things feel like a mess.
When I started focusing on gratitude, my mindset shifted. Suddenly, setbacks weren’t failures—they were lessons. Clients who cancelled weren’t losses—they were opportunities to grow. Gratitude changes how you see everything, including your finances.
10. You Can Rewrite Your Money Story Anytime ✍️
The story you’ve been telling yourself about money? You made it up. And guess what? You can change it.
Whether you believe you’ll always be broke, that you’re "bad with money," or that wealth is out of reach—it’s all just a script you’ve been following.
Coaching taught me that rewriting that story is possible for anyone.
And when you do, your whole world shifts.
Final Thoughts
Becoming a money coach wasn’t just about helping others—it was about transforming myself. These lessons didn’t come easy, but they were worth every uncomfortable moment.
If there’s one takeaway I want you to have, it’s this:
Your relationship with money is about so much more than finances.
It’s about who you are, what you value, and how you show up in the world.
And no matter where you’re starting from, you can change it.
With love and inspiration,
Monica, your BFF (best financial friend)
PS. So, are you ready to rewrite your money story?