Money Clarity Conversations

Money Coach Kris | Kristina Vividor

If money feels stressful, confusing, or emotional, you’re not alone. Welcome to Money Clarity Conversations with Money Coach Kris. This podcast explores the emotional side of money, helping you understand how your past, patterns, and relationships shape your financial habits. Through real conversations, you’ll gain clarity, confidence, and tools to feel more in control of your money.

Episodes

  1. 19 Aug

    The Security Saver: The Attachment Style Behind "I Just Need to Feel Safe"

    This episode kicks off a deep dive into each of the five Financial Attachment Styles, starting with the Security Saver. A security saver feels most secure when the future feels protected. Safety, planning, and predictability aren't nice-to-haves for this style, they're emotional grounding. Kris walks through the strengths (excellent budgeting, long-term thinking, staying calm in financial storms) and the challenges (fear of spending even on things that bring joy, feeling rigid, struggling with spontaneity), then gives two rules that help: give every dollar a job, and spend on purpose, not emotion. For anyone with a commission-based income, like realtors, this style shows up in a specific way. A $20,000 commission check doesn't feel like relief, it feels like something to sock away, because the goalpost for "enough" keeps moving. Kris shares an anonymous client example: a physician who makes great money and is financially solid, and still can't let himself relax, even with his own family telling him it's okay. She also covers what happens when the pipeline goes quiet (the scarcity mindset spiral), why constantly bracing for the worst has a real cost (the backpack analogy), and what a healthy, balanced version of the security saver actually looks like. Curious if this is your pattern? Take the free Financial Attachment Style Quiz at moneyclarityco.com. Next episode: the Freedom Facilitator, the complete opposite of the security saver. Links Quiz (primary CTA): https://moneyclarityco.com/attachment-style-quiz-opt-inFree Community: https://moneyclarityco.com/community-sign-upBlog (Money Clarity Method): https://moneyclarityco.com/money-clarity-methodDiscovery call booking: https://links.moneyclarityco.com/widget/bookings/financial-clarity-discovery-sessionPodcast (Spotify): https://open.spotify.com/show/3fsSov0hy6Xgh8vLEmp4cTApple Podcasts: https://podcasts.apple.com/us/podcast/money-clarity-conversations/id1896755867YouTube: https://youtube.com/@moneycoachkrisBook, Re-Wired for Wealth: https://www.amazon.com/Re-Wired-Wealth-Financial-Attachment-Actually-ebook/dp/B0FCJNXYLV

  2. 5 Aug

    The Emotional Rollercoaster of Commission Income

    If you have commission-based income, you already know the swing. One month you're breathing easy, the next you're back in scarcity mode wondering where it all went. In this episode, Kris breaks down why that swing feels so emotional and why two people earning the exact same income can experience it in completely opposite ways. She walks through what actually happens in the days and weeks after a big check lands, why the stress most people feel is not really about money, it is about uncertainty, and how your financial attachment style shapes whether you hoard, spend, or spiral when income gets inconsistent. This one is framed around realtors, but it applies to anyone whose income depends on the next deal, the next client, or the next sale. You will walk away understanding why the number in your bank account is never the whole story, and one small mindset shift you can make this week to feel more at peace, no matter what season your income is in. In this episode: Why commission income creates an emotional rollercoaster, not just a financial oneWhat separates a stressed high earner from an at-peace high earner making the same moneyWhy the real trigger is uncertainty, not the dollar amountWhat happens emotionally in the days and weeks after a big check, and why that "coasting" period sets up the next crashHow a Security Saver and a Gift Giver react completely differently to the exact same big monthWhy "chasing the next deal" is often about something other than moneyOne small mindset shift to start this week, regardless of your income season Links mentioned: Take the Financial Attachment Style Quiz: https://moneyclarityco.com/attachment-style-quiz-opt-inJoin the free Money Clarity Community: https://moneyclarityco.com/community-sign-upRead the Money Clarity Method: https://moneyclarityco.com/money-clarity-methodBook a free Financial Clarity Discovery Session: https://links.moneyclarityco.com/widget/bookings/financial-clarity-discovery-sessionGet the book, Re-Wired for Wealth: https://a.co/d/0d8ToVCS

  3. 29 Jun

    Money & Mindset in Real Estate with Dani Borow

    Real estate income swings. One month pays you more than you used to make in half a year, and the next goes quiet. The numbers move, and the story you tell yourself about your worth tends to move with them. In this episode I sit down with Dani Borow, a realtor, host of The American Dream, and a wealth builder who helps people rewrite the story standing between them and financial freedom. We get honest about the emotional side of commission income and the small daily practices that keep you steady through the ups and downs. We get into: Why your beliefs shape your results, and how Dani catches the stories that hold her backDani's Financial Attachment Style as a Gift Giver, and the difference between giving from gratitude and giving from lackThe question she asks before an emotional purchase: "Do I really need this, or do I just need a day off?"The reframe that stops a spiral in its tracks: "Is this the ultimate truth?"Using journaling to move out of fear and back into actionFreedom versus flexibility, and why consistency is the real foundationHer advice for new agents: build your overflow account firstThe closing reframe every realtor needs to hear: you're not broken, you may have just never had the right roadmapTake the Financial Attachment Style Quiz: https://moneyclarityco.com/attachment-style-quiz-opt-inJoin the Money Clarity Community (last Wednesday of every month): https://moneyclarityco.com/community-sign-upRe-Wired for Wealth: https://www.amazon.com/Re-Wired-Wealth-Financial-Attachment-Actually-ebook/dp/B0FCJNXYLVWatch on YouTube: https://youtube.com/@moneycoachkrisConnect with Dani Borow / The American Dream: https://www.instagram.com/daniborow https://www.youtube.com/@daniborowmoneyclarityco.com

  4. 24 Jun

    What a Limiting Belief Actually Is (with Clare Tinsley)

    A limiting belief is invisible to the person carrying it. It feels less like a belief and more like a plain fact, so you rarely question it, and it quietly decides what you think is possible. In this episode I sit down with my friend Clare Tinsley, a mindset and limiting-beliefs expert, to talk about how these beliefs form, why they hide in plain sight, and how they show up around money. We connect her work on mindset with my Financial Attachment Styles and the emotional patterns underneath how we earn, save, and spend. In this episode: What a limiting belief actually is, and why people push back the moment you name oneWhy your beliefs are invisible to you, and how the people around you keep them in placeHow money beliefs form in childhood, in some cases by around age twoThe first step to change, which is smaller than you expect: hope, and the question "how could this be different for me?"Moving from hope to belief to knowingThe gratitude reframe: you can have twelve dollars in your account and still choose not to call yourself brokeCatching scarcity in real time and returning to "I'm the creator, not a victim"Why emotional regulation, not control, is the real goal with moneyTake the Financial Attachment Style Quiz: https://moneyclarityco.com/attachment-style-quiz-opt-inJoin the Money Clarity Community (last Wednesday of every month): https://moneyclarityco.com/community-sign-upRe-Wired for Wealth: https://www.amazon.com/Re-Wired-Wealth-Financial-Attachment-Actually-ebook/dp/B0FCJNXYLVConnect with Clare Tinsley: https://www.instagram.com/claretinsleylife/moneyclarityco.com

  5. 1 Jun

    Creating Consistent Money Habits with Inconsistent Income

    A fifty-thousand-dollar month followed by three quiet ones is normal life in commission work. How you ride that wave is rarely about the size of the check. It's about how you're wired with money. In this solo episode, I walk through how each of the five Financial Attachment Styles reacts to unpredictable income, why generic money rules fall apart, and how to build a foundation that actually holds when revenue is inconsistent. In this episode: Why inconsistent income feels like a math problem when the real pattern is emotionalThe same big month, five different reactions (Security Saver, Experience Creator, Gift Giver, Practical Provider, Freedom Facilitator)Why a rule that doesn't fit your personality is one you quietly abandon"Everything is made up, there are no rules, no one's in charge," and what that really means for your moneyThe Money Clarity Playbook, and the shift from "this is my job" to "this is my business"What financial peace looks like: six months to a year of expenses set asideHow consistently disciplined habits build the foundation that creates peaceThe mission: changing how the world sees money, one trickle-down impact at a timeTake the Financial Attachment Style Quiz: https://moneyclarityco.com/attachment-style-quiz-opt-in Join the Money Clarity Community (last Wednesday of every month): https://moneyclarityco.com/community-sign-up Work with me one on one: https://links.moneyclarityco.com/widget/bookings/financial-clarity-discovery-session Re-Wired for Wealth: https://www.amazon.com/Re-Wired-Wealth-Financial-Attachment-Actually-ebook/dp/B0FCJNXYLV moneyclarityco.com

  6. 12 May

    How Childhood Shapes Your Relationship With Money

    Most money habits start forming long before adulthood. In this episode of Money Clarity Conversations, Money Coach Kris explores how childhood experiences, emotional conditioning, family dynamics, and early financial messaging shape the way we handle money today. From scarcity and secrecy to safety, gifts, and financial stress, the experiences we grow up around can influence how we save, spend, avoid, give, and emotionally respond to money as adults. Kristina shares personal stories about how specific experiences shaped her own financial patterns and explains how financial attachment styles develop over time through both direct and indirect experiences. This episode also explores:• how emotional experiences shape money behaviors• why money habits are connected to the nervous system• how family dynamics influence financial decision making• the role childhood plays in financial attachment styles• why awareness matters more than perfection• how rules and boundaries can support healthier financial habits Key Takeaway:Financial habits are often rooted in emotional experiences and learned patterns, not personal failure. Understanding your financial attachment style creates awareness that can help you build systems and habits that feel more supportive and sustainable. Resources & Links:Take the Financial Attachment Style Quiz:https://moneyclarityco.com/attachment-style-quiz-opt-in Join the Free Money Clarity Community:https://moneyclarityco.com/community-info

  7. 28 Apr

    Why You Struggle With Money (Even When You’re Doing Everything Right)

    You’re trying to be responsible. You’re making smart decisions. You’re doing everything you’ve been told to do with money. So why does it still feel hard? If you’ve ever felt stuck, overwhelmed, or like you’re doing everything right and it’s still not working, you’re not alone. In this first episode of Money Clarity Conversations, Money Coach Kris breaks down one of the biggest misconceptions about money. The idea that it is purely logical. That if you just knew more, planned better, or had more discipline, everything would fall into place. But that is not actually how money works. Most money struggles are not about numbers. They are about patterns. They are about the experiences you had growing up, the things you witnessed, the conversations you heard or did not hear, and the emotions tied to all of it. Long before you ever started managing money on your own, you were forming beliefs, habits, and responses that still influence you today. In this episode, you will start to understand how your past shapes your present when it comes to money. You will learn why you might struggle with money no matter how much you make, feel anxious even when you are doing well financially, repeat the same habits over and over, swing between extremes with spending or saving, or feel like you just cannot get it right. This episode also introduces the concept of financial attachment styles. This is the idea that your relationship with money is driven by emotional needs like safety, connection, control, freedom, and stability. These attachment styles influence everything from how you spend, save, and plan to how you show up in relationships, business, and everyday decisions. And the most important part is this. There is nothing wrong with you. You are not bad with money. You are not broken. You are responding in ways that make sense based on your experiences and the emotional needs you are trying to meet. Once you understand those patterns, everything starts to shift. You can stop fighting yourself. You can stop forcing strategies that do not work for you. You can start creating habits, rules, and boundaries that actually align with how you are wired. Whether you are navigating money on your own, in a relationship, or in your business, this awareness changes everything. This episode is the foundation for everything we will build on inside Money Clarity Conversations. What You’ll Learn Why money feels hard even when you’re doing everything rightHow childhood experiences shape your relationship with moneyThe real reason people repeat the same financial patternsWhy money is emotional, not just logicalAn introduction to financial attachment stylesHow understanding your patterns can change the way you manage moneyKey Takeaway You are not bad with money. Your habits are rooted in patterns you learned through experience. Once you understand those patterns, you can start working with yourself instead of against yourself. If this episode resonated with you, the next step is understanding your financial attachment style. Take the quiz here:https://moneyclarityco.com/attachment-style-quiz-opt-in Or join the community for deeper conversations and support:https://moneyclarityco.com/community-info

About

If money feels stressful, confusing, or emotional, you’re not alone. Welcome to Money Clarity Conversations with Money Coach Kris. This podcast explores the emotional side of money, helping you understand how your past, patterns, and relationships shape your financial habits. Through real conversations, you’ll gain clarity, confidence, and tools to feel more in control of your money.