Money touches far more than numbers. It can activate safety, freedom, love, responsibility, identity, family loyalty, creativity, spirituality, and our willingness to be seen.
This collection grew from an ongoing Thriving Now study group led by Rick Wilkes and Cathy Vartuli, with community co-facilitators Jean and Simone and the experiences and wisdom of many other participants. The conversations were not a linear course. Each session followed what was emotionally alive, using inquiry, coaching, and tapping to explore the hidden rules that shape how we earn, receive, spend, save, share, and enjoy money.
Start with a Guide that fits what you are experiencing, or browse the original sessions by date. The Guides distill the most useful teaching and tapping into focused resources. The complete recordings remain available for people who want the fuller conversation.
The study group continued beyond the sessions collected here. Continue with Financial Abundance Study Group — Part II for later conversations, new Guides, and recordings from 2011 through 2019.
Explore the Guides
Money safety and steadiness
- Always on the Verge of Running Out
- Can You Feel Abundant on a Tight Budget?
- Financial Hypervigilance: Overdrawn, Extra Money, and the Economy
- The Income Limit You Set to Stay Safe
- Too Far Behind to Begin: Rebuilding Financial Momentum
- Watching Money Run Out While Carrying Your Parents’ Scarcity
- When Fear Is the Only Fuel You Know
- When Financial Decisions Become Obsessive
- When Your Finances Feel Too Overwhelming to Face
- Why Calm About Money Can Feel Unsafe
Work, business, pricing, and visibility
- Business Opportunities and Investment: Discernment Without Panic
- Business Visibility Without Performing for Approval
- Difficulty Initiating: When Success Must Happen One Perfect Way
- Earning on Your Own: Income Anxiety, Boundaries, and Clear Charges
- Feeling Safe to Be Paid for Your Work
- Financial Confidence After Criticism and Rejection
- I Don’t Deserve It Because I’m Not Working Hard Enough
- Sales Anxiety: Rejection, Self-Blame, and Fear of Getting It Wrong
- The Forced-Performance Trap: Work, Calls, and Financial Safety
- Undercharging and the Fear of Not Being Chosen
- Work Stress, Career Choice, and the Right to Want More
Receiving, spending, gratitude, and enoughness
- Allowing More Without Gripping for Control
- I Love Money, I Hate Money: The Catch-22 of Wanting More
- The Ghost of Bag Ladydom: Buying for Yourself Without Panic
- When a Windfall Feels Scary: Gratitude, Arrogance, and Taking Care of Everyone
- When Gratitude Feels Dangerous or Like Bragging
- When Receiving Gifts Reopens Old Disappointment
Relationships, family rules, identity, and belonging
- Asking, Lending, and Setting Money Boundaries
- If I Have Money, How Will I Know Who Truly Loves Me?
- Inherited Money Rules: Success, Hard Work, and the Cost of Receiving
- Money and Romantic Relationships: Trust, Independence, and Shared Dreams
- Money, Authority, and Speaking Up
- Money, Class, and the Fear You Don’t Belong
- Regret, Bad Decisions, and Forgiving Your Financial Past
- When Responsibility Becomes the Price of Love
- When Your Success Feels Like It Will Hurt Someone Else
Guidance, meaning, choice, and possibility
- I Have to Work Hard for Money: Untangling Family and Creative Rules
- If I Never Finish, They Can’t Criticize Me
- Money, Spirituality, and Personal Guidance
- The Emotional Weight of Buying or Selling a Home
- When Having Money Feels Spiritually or Emotionally Unsafe
- When Saying No Feels Like Losing Your Only Chance
- When Success Feels Like Too Much Responsibility
Explore the Original Sessions
The sessions below are arranged chronologically. Each transcript was generated automatically and may contain errors.
2008
December 7, 2008
Inner child tapping on old beliefs of not being worthy; Mom taught me it was bad to have needs or wants; Mom felt bad when I asked for what she couldn’t give me; If you have everything you want, you won’t have anything to reach for; Procrastinating until there is a crisis; Very hard to save money.
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December 14, 2008
Trouble with gift giving; Disappointment at Christmas, where is the Magic?; It’s not worth trying, too many broken promises; I don’t matter anyway; They thought I got everything, so now they pull me down; I can tell my own story.
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Guides drawn from this session:
December 21, 2008
I have no authority; I wasn’t allowed to say no; Gifts with hidden price tags; It’s okay to say no; I hate being recorded, feel exposed.
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Guides drawn from this session:
December 28, 2008
Interventions; Energetic Boundaries; Clarity; Sadness; Invite into our world rather than going into theirs.
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2009
January 4, 2009
Overwhelmed, how do I get my finances in order?; It never worked before!; Fear of change; Tired of following what others say; Doing it alone; Moving my business/life forward.
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Guides drawn from this session:
January 18, 2009
I’m so far behind, what does it matter?; Why even try?; Good ideas, hard to follow through; Mom doesn’t want me to show up my brother; Where do I find the time?.
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Guides drawn from this session:
February 1, 2009
I must spend it all; I worked hard for it and he took it away; Living on the edge; The other shoe is going to drop; If I have too much abundance I will lose my spiritual connection; I have to justify abundance.
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Guides drawn from this session:
February 15, 2009
If you have money, people will only want you for money; How will you know who to trust?; If I have too much money, I won’t attract the kind of man I want; Allowing myself to enjoy beauty; I have to give it away; It’s better to not have anything than to hurt when I have to give it up.
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Guides drawn from this session:
March 1, 2009
Tapping with ancestors on “It’s not safe to have success”; If I accept money, I will have to live up to expectations; Have to earn money doing something I hate; Have to work hard; If I accept money for it, it will no longer be fun.
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Guides drawn from this session:
March 15, 2009
Not a good mother; No husband, no house; I’ll just squander it; Spend the rest of my life proving I’ve changed; Forgiving my younger self.
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Guides drawn from this session:
- Money and Romantic Relationships: Trust, Independence, and Shared Dreams
- Regret, Bad Decisions, and Forgiving Your Financial Past
March 29, 2009
Fear there is never going to be enough; Get love through being responsible; Everyone else can do it easily; The poor toil the earth; Impatience vs excitement; Idle hands are the devil’s workshop.
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Guides drawn from this session:
April 26, 2009
If I say no to this, I won’t get another chance; I have to be grateful for everything or I will get nothing; It’s not safe to have more; Whatever I want, I don’t get.
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Guides drawn from this session:
May 10, 2009
Bad things are going to happen, aren’t they?; I’m not good enough to have what I want; Reconnecting to source; Feel like a loser; Redefining your goals.
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Guides drawn from this session:
May 24, 2009
I feel like she called me an irresponsible mother!; Moving toward calm acceptance; Mom’s judgment in my head; My money is my own, and I get to decide; Lack of freedom, afraid to make the wrong decision; I am always left alone, forgotten.
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Guides drawn from this session:
June 7, 2009
No one’s listening to me at work; I feel powerless about finances, financial discord; Grandma’s mean! She doesn’t listen to my “no”; Every time I make a step forward, I take two back.
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Guides drawn from this session:
June 21, 2009
Improved bank balance but can’t take it to the next level; Continual stress at work, feeling left out; Looking at people’s higher selves; Client won’t take advice they asked for. In primitive brain; Too old, not too many opportunities for me.
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Guides drawn from this session:
July 5, 2009
Money, you are not welcome here!; Worry about how people will see me; Regret, bad decisions in the past; I’m not good enough; Feeling powerless; If I’m successful I’ll become just like them.
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Guides drawn from this session:
August 2, 2009
Celebrating hurts others; Can’t have too much success; Everyone else but me; Not allowed to be successful; You can’t survive without me; Fear on solar plexus about things going right.
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Guides drawn from this session:
August 16, 2009
Wanting more customers; Is it safe to want things? They get taken away; Financials and apartment are messy- evidence of the pain; Emotions in the stuff; Loss and anger at father; Wanting business to succeed, but afraid to be in front.
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Guides drawn from this session:
August 30, 2009
I’m lacking abundance, what’s wrong?; Trouble with sales, they don’t seem to believe me!; What did I do to deserve this? Blaming myself; Not closing sales, what if I screw up the paperwork?.
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Guides drawn from this session:
- Business Visibility Without Performing for Approval
- Sales Anxiety: Rejection, Self-Blame, and Fear of Getting It Wrong
September 13, 2009
I want to feel part of the group; It’s unsafe to do things for myself; I want to feel worthy and deserving of being paid; Standing up for myself; Getting clarity on abundance; Abundance scares my body.
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Guides drawn from this session:
October 4, 2009
Jealousy of people with money; Negative impact from watching the news; Resentment toward sister; Money makes me worthwhile; Freedom equals money.
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October 18, 2009
Fear about being overdrawn; Nervous about having “extra” money; I should have done more; Afraid of sounding cocky, so I sound insecure; Feel like I have to grasp the first thing that comes along; Fear of the economy.
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Guides drawn from this session:
November 1, 2009
Co-workers criticism has knocked me for a loop; Always worrying about lack of money; Keep getting rejected by people who are important to me; Everytime I feel grateful I get punished; Feeling unsafe in the world- father’s punishment.
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Guides drawn from this session:
November 15, 2009
Fear based relationship with money; When will it happen for me?; Just when I feel good, sh*t happens; Ashamed and guilty; Gratitude is the same as bragging.
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Guides drawn from this session:
November 29, 2009
Stress from family; Good things are scary; I thought I’d be more grateful; Arrogance from windfall; Do I have to take care of them, too?; Wanting to feel more gratitude.
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Guides drawn from this session:
December 13, 2009
You are not supposed to have that!; Rules at Christmas; They will take my money; Fear of being myself; Being judged and rejected; Want to get off the roller coaster; Scared because I’m not worried about money!.
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Guides drawn from this session:
December 27, 2009
I can’t be successful, I’m afraid I’ll hurt a customer; Can only have so much abundance, don’t deserve any more; You do it, you do it better, too much responsibility; I have to take care of everyone.
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Guides drawn from this session:
2010
January 17, 2010
I want to feel supported, too!; More confidence at work; Can I allow more abundance?; Charging more for my service. Is this money really mine?; Clarity about lending money.
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Guides drawn from this session:
February 14, 2010
I can’t have abundance until I’m physically perfect; Can’t seem to focus on one thing; Dead paint society, practice practicing; Only one way to be successful; Difficulty initiating; Lack of trust in abundance.
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Guides drawn from this session:
March 21, 2010
Getting no where with tapping, moving forward doesn’t feel safe; No real relationship with money; Want to enjoy the freedom, but I have responsibilities; Worried that I’ve overstepped the bounds; Don’t really have role models.
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Guides drawn from this session:
April 18, 2010
My father’s son… yeah; I’m too old for this. Really?; Retirement money; I don’t have it to give to you; I’ll have to….
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Guides drawn from this session:
May 2, 2010
The IRS says I did something wrong; Anger in my stomach; All kinds of abundance and it makes me nervous!; Fear about business; Judgment at mom.
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May 16, 2010
Can’t feel abundant on a tight budget; I feel buried under lack; Conflicts with LoA; I’m just not good enough.
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Guides drawn from this session:
May 30, 2010
That’s not for you, dear…; Don’t go there!; I don’t deserve it, I’m not working hard enough.
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Guides drawn from this session:
June 13, 2010
How dare I be me?; Not a lot of trust in abundance and success; Want to be able to express a different opinion; Selling my house, anxiety, resentment, worry; Rich cousins in touch again.
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Guides drawn from this session:
June 27, 2010
Not much abundance in my past; Watching my money run out; I just don’t enjoy life; There is just not enough; Staying connected to parents energy and beliefs; I wasn’t there for him.
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Guides drawn from this session:
- Regret, Bad Decisions, and Forgiving Your Financial Past
- Watching Money Run Out While Carrying Your Parents’ Scarcity
July 11, 2010
Talking about money with a romantic interest; Choosing the right job; Lots of channels, not a lot of flow; I have to be responsible; I HAVE to, don’t I?; Why can’t I have something new?.
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Guides drawn from this session:
- Money and Romantic Relationships: Trust, Independence, and Shared Dreams
- When Responsibility Becomes the Price of Love
- Work Stress, Career Choice, and the Right to Want More
July 25, 2010
Affiliate offerings; Dangerous! I need to be secretive; Blocks to investing in my business; My money is just sitting there waiting for inflation to make it worthless!; Tremendously guilty that I HAVE and they DON’T.
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Guides drawn from this session:
- Business Opportunities and Investment: Discernment Without Panic
- Business Visibility Without Performing for Approval
August 8, 2010
Why am I here in this financial situation?; Getting clear on your ASKING; Married a very wealthy man… and now I divorced myself from money as well; Excesses and indulgences; Obsessive-compulsive energy; House on the market since April… I must be doing something wrong.
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Guides drawn from this session:
- Asking, Lending, and Setting Money Boundaries
- Money and Romantic Relationships: Trust, Independence, and Shared Dreams
- The Emotional Weight of Buying or Selling a Home
August 22, 2010
Conflict with my policy on cancellations; Never ending noose around my neck; Safety holding pattern; I want to start materializing things.
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Guides drawn from this session:
- Business Opportunities and Investment: Discernment Without Panic
- When Financial Decisions Become Obsessive
September 5, 2010
I can’t push myself; Running on fear; Shut down in front of people; What do I love to do?; I want to win a million in the lottery.
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Guides drawn from this session:
September 18, 2010
Problems with money, rich people are bad; I can’t identify with having those things; I want to attract abundance easily; Resistance around finances; How much to fix up my house to sell it?.
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Guides drawn from this session:
- Business Opportunities and Investment: Discernment Without Panic
- The Emotional Weight of Buying or Selling a Home
- When Financial Decisions Become Obsessive
October 10, 2010
Don’t wan to give my money away; Want to wear the clothes I bought, enjoy my abundance; How can you charge THAT?!; Afraid of rejection, so have trouble staying focused; Clogged up throat around sending invoice.
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Guides drawn from this session:
October 24, 2010
Want to use the abundance of my body; Old, ugly waitress, don’t deserve money; I have to work hard to get money, Mom said so; Working hard to get abundance, confused just like back then; Art has be hard, look what he did to us!.
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Guides drawn from this session:
November 7, 2010
Don’t want to make money; Fear vs guidance; I love money, I hate money; Catch 22 around money; Everyone else will feel REALLY bad if I have money; Everything is going good- and that feels like a problem.
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Guides drawn from this session:
November 21, 2010
I feel bad when I spend money; Having to ask for money; Mad, sad and disempowered around daughter; Setting boundaries; Its not good to have money lying around.
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Guides drawn from this session:
December 5, 2010
I can’t feel grateful; Taking money out of savings; Baby steps; Wanting to flow better; Intense nervous energy; Waiting for my prince, so I can’t have abundance.
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Guides drawn from this session:
December 26, 2010
Making fears up out of thin air; No room for joyful abandon; Ghost of Bag Ladydom; I want to buy things for myself; I have to EARN.
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Guides drawn from this session:
2011
January 9, 2011
Hard to move outside my comfort zone; Her dream vs our dream; I can’t have it; Stumbled and noticing a lot of contrast; Trapped; I have to work very hard to make money.
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Guides drawn from this session:
- Money and Romantic Relationships: Trust, Independence, and Shared Dreams
- Work Stress, Career Choice, and the Right to Want More
January 23, 2011
Trouble completing projects, if it’s not done, they can’t critisize!; Checking account dropping; Fear of big money; Blood money; Raising my rates; Afraid of success, they would reject and judge me.
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Guides drawn from this session:
February 6, 2011
I have to be exactly like my father; What have I done? Going outside my comfort zone; Feeling valuable; I don’t want to be obsessed like my father; Gift gone wrong; They’ll take it away; Distracting myself from success; Setting boundaries.
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February 20, 2011
What dollar amount would make you feel safe?; Dependent on returning and initiating phone calls; Inner experience… Beauty, Comfort, Flow; I was FORCED to perform… and don’t want to force myself ever again.
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Guides drawn from this session:
March 13, 2011
I can’t have excess anything; Angry and resentful at younger self for setting income limits; It’s not safe to be successful or admired; “That would be stupid!”, he said so.
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Guides drawn from this session:
March 27, 2011
Does the Universe get annoyed if you reject a gift?; Afraid and panicky; Allowing more abundance…tapping to request more now; How can I allow things to be different when it scares me; I think I need to hold on tight to make change happen, how can I release that?.
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Guides drawn from this session:
April 10, 2011
They’re more important than me; Turning sale of the house over to the Universe; Spoiled brat, can’t enjoy abundance; Not safe for me to have money.
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Guides drawn from this session:
- Money, Spirituality, and Personal Guidance
- The Emotional Weight of Buying or Selling a Home
- When Financial Decisions Become Obsessive
May 1, 2011
I give my power away to wealthy people; Ground shifting under my feet; Regret career path; Can’t buy new clothes for myself; You’re not high class enough; Guilty about buying stuff, do I deserve it?.
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Guides drawn from this session:
- Money, Class, and the Fear You Don’t Belong
- Regret, Bad Decisions, and Forgiving Your Financial Past
May 15, 2011
Stressed at work; Afraid to share goals; What to do with this money??; I don’t have a good imagination (oh yes I do!); Client meeting when I’m stressed and overwhelmed.
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Guides drawn from this session:
- Business Opportunities and Investment: Discernment Without Panic
- Business Visibility Without Performing for Approval
- Financial Confidence After Criticism and Rejection
- Work Stress, Career Choice, and the Right to Want More
June 5, 2011
Fear of running out of money; Losing it in foolish ways; Phobia about entertaining, I spent too much!; Fear of not having enough, always on the verge of running out!; Negative “what if” game.
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Guides drawn from this session:
June 19, 2011
Anxiety over income; I want to buy a plane ticket without worrying about the money!; No appreciation for my primitive brain; I want to earn money on my own; Setting boundaries about my old job; Valuing my work and being clear about my charges.
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Guides drawn from this session:
July 10, 2011
Someone will take it away; Don’t know how to make this decision; Obsessing over this house; Inspection on Weds, what will happen?; The world is NOT a wonderful place; Do I deserve to make money?.
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Guides drawn from this session:
July 24, 2011
Undercharging for my sessions; Wasn’t popular in jr high; Bent out of shape; Hope you get it even though your fat.
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Guides drawn from this session:
Emotional regulation can support clearer choices, but it is not a substitute for qualified financial, legal, tax, medical, or mental health guidance when you need it.