Free Template & Guide: 1 - Page Business Revenue Planner

Ep 15: Overcoming Financial Shame & Guilt

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“When you are able to overcome financial guilt, you will be able to accept yourself and celebrate yourself.”

— J

Have you ever felt guilty about spending money on yourself?  As if, you don’t deserve to buy that “one thing?”

What we tell ourselves we deserve financially is shaped by our upbringing and childhood.

What we grew up with, has so much influence on who we become, all the way down to how we spend money and what we tell ourselves we deserve.

Growing up in poverty, J shares her personal story of how she was constantly told by her mother as a child that the family doesn’t have enough money. That she couldn’t have this. Or that.

As a grown woman who’s making well into the 6-figures today, she’s still telling herself that she doesn’t have “enough money” and spins into a cycle of self guilt when she does spend on herself.

Whether it’s about spending money on ourselves or trying to earn more money, each of us at some point in time has told ourselves “I don’t deserve this.”


  • How does your upbringing impact your financial future?
  • How do you overcome financial self-shaming? What is it and how can you detect it?
  • Is spending a lot when you have money a bad thing?
  • Can you become financially responsible and not feel guilt?

about helen ngo

Helen Ngo, CFP® is a financial empowerment coach dedicated to helping women entrepreneurs own their worth, flip their money scripts, and smash every ceiling on their way up. The Self-Made CEO®, founder, featured speaker, and host of the Live & Earn podcast has unlocked the key to financial freedom that most people get wrong.

Use this simple, uncomplicated planner I created to help you stay on top of your money and create predictability in your business.