💰 WHAT'S INSIDE THIS EPISODE What if the reason you can't get ahead financially has nothing to do with your income—and everything to do with a belief you absorbed before age 10? What if you're unconsciously sabotaging your own success because deep down, you feel guilty about becoming "one of those people"? 🎧 In This Episode: Why money is deeply emotional (not logical) and how this affects every financial decision you make (01:30) The real reason Julia avoided money for years—and how it created a controlling dynamic in her marriage (02:00) Gino's powerful concept: "Money doesn't corrupt you, it reveals who you really are" (09:00) How Julia self-sabotaged her own success because of tribal guilt and unworthiness (11:00) The dangerous money myths we tell our kids without realizing it (05:30) Why "we don't have enough right now" creates lifelong scarcity patterns (06:00) How a simple comment about pajamas affected their daughter's relationship with money into adulthood (06:30) The critical difference between earning "happy money" vs. "unhappy money" (03:00) Why values-based financial decisions change everything (04:30) How to actually talk about money with your spouse without starting World War III (18:00) 💭 WHY THIS MATTERS TO YOU Here's what most people don't realize: money isn't about math. It's about emotion. It's about the beliefs you absorbed watching your parents stress over bills, hearing "we can't afford that right now" on repeat, or witnessing how wealthy people were discussed in your home. Julia grew up in an Irish Catholic family where people worked incredibly hard but never had a savings plan. Money came in, money went out, and there was constant scarcity. When she met Gino (who grew up with an Italian family focused on saving and planning), she was so uncomfortable with money that she literally handed over all control to him—which created a toxic dynamic in their marriage where he became controlling with finances and she became controlling with the kids. Here's the gut-punch truth they share: when Gino made an offhand frustrated comment about their daughter wanting pajamas at the store, that little girl internalized the belief that she was a burden. Now, as an adult, she struggles with feeling like she doesn't deserve things she wants to buy. One moment. One comment. Decades of impact. This episode goes deep into the emotional underbelly of money—the self-sabotage patterns, the tribal guilt about "leaving people behind" when you succeed, the scarcity mindset that keeps you stuck even when you're making money, and the dangerous myths we pass to our children without even knowing it. Gino shares his powerful distinction between "happy money" (money earned doing work that brings fulfillment, energy, and soul purpose) versus "unhappy money" (money earned in jobs that drain you). Julia reveals how she sabotaged herself for years because she unconsciously believed that making money would make her "evil" like the wealthy people her family criticized. But here's the most important part: they give you the roadmap to break these patterns. It starts with understanding your money beliefs, having open conversations with your spouse about where those beliefs came from, and making values-based financial decisions as a family. Whether you're constantly stressed about money, avoiding financial conversations with your partner, or worried about what money beliefs you're passing to your kids, this conversation will change how you see everything. ✨ KEY TAKEAWAYS Money is a symptom, not the root cause. Most couples think they're fighting about spending or saving, but the real issue is the emotional patterns and beliefs underneath. Julia was uncomfortable with money from childhood, so she gave Gino all control—which made him controlling with finances and her controlling with the kids. The money problem was actually a beliefs problem. Money doesn't corrupt you—it reveals who you are. As Gino's mentor taught him, money simply amplifies who you already are. If you're generous, you become more generous. If you're fearful, you become more fearful. This reframe is critical because many people sabotage their own success believing that wealth will corrupt them. The words you use create lifelong patterns in your kids. When Julia's daughter heard Gino's frustrated comment about pajamas, she internalized: "I'm a burden. I don't deserve things." Now as an adult, she struggles with feeling unworthy when buying things she wants. Your offhand comments about money are creating your children's adult money stories. "We don't have enough right now" creates permanent scarcity. Julia grew up hearing this phrase constantly—and "right now" never ended. It created a belief that there would never be enough, which she carried into her marriage and almost passed to her own children. Pay attention to the language you use around money. Tribal guilt keeps you stuck. When Julia started experiencing financial success with Gino, she felt guilty "leaving her tribe behind." She worried people would think she was saying "I'm successful now and you're not," even though nobody was actually saying that. Self-sabotage often comes from feeling disloyal to where you came from. Values-based financial decisions eliminate guilt and stress. Once you're clear on your family values (health, education, experiences, etc.), financial decisions become simple. Gino and Julia value health, so organic food isn't a frivolous expense—it's aligned with their values. When decisions align with values, there's no guilt or second-guessing. Seek first to understand, then to be understood. (Stephen Covey) Before having money conversations with your spouse, seek to understand their money story first. Listen to where they came from, what they heard growing up, and what fears they carry. Then share yours. This creates empathy instead of defensiveness. 👫 ABOUT GINO & JULIA BARBARO Gino and Julia Barbaro are certified life and marriage coaches, money coaches, and hosts of The Julia and Gino Show. As homeschooling parents of six children (ages 8-26), they deeply understand the daily challenges of balancing marriage, parenting, and financial stress. Julia empowers couples to strengthen their communication and create deeper connections so moms feel supported and valued. Gino is a successful real estate investor (1900+ units) and bestselling author of Happy Money, Happy Family, Happy Legacy. He helps families achieve financial freedom while reducing stress and building peaceful homes. Together through Barbaro 360, they provide practical, faith-based strategies for uncovering money beliefs, healing financial trauma, and making values-based decisions that bring peace to your family. Connect with Gino & Julia: 🎙️ Podcast: The Julia and Gino Show 🌐 Website: Barbaro360.com (take their free money quiz!) 📱 Instagram: [Natalie to provide handles] 💥 Facebook: [Natalie to provide handles] 📌 Pinterest: [Natalie to provide handles] 🎯 READY TO TRANSFORM YOUR MOM LIFE? 🎯 Get Your Free Coaching Call Struggling with money stress, self-sabotage, or limiting beliefs that keep you stuck? Let's talk. I'll help you identify what's really going on beneath the surface. [Book your free 30-minute coaching call here - nataliemccabe.com] 💜 Join Our Free Community Connect with other moms navigating money stress, marriage challenges, and parenting overwhelm. No judgment, just support from women who get it. [Join the Mom Life Uncomplicated Community - nataliemccabe.com] 📖 Read Natalie's Book: "Sink or Swim Parenting" Learn how to break generational patterns, reduce your mental load, and create the peaceful family life you deserve. [Get your copy -nataliemccabe.com/sinkorswim ] 💬 LET'S CONNECT Did this episode make you realize something about your own money story? Screenshot your biggest aha moment, tag me @nataliemccabe.coach and Gino & Julia, and share what clicked! ⭐ If this episode helped you understand your relationship with money differently, please leave a 5-star review on Apple Podcasts—it helps other overwhelmed moms find the financial healing they need!