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Financial Anxiety: It’s Not Just About the Numbers

Financial anxiety affects nearly everyone, regardless of income. The real question is: What if the solution isn’t just earning more money, but understanding the psychological forces that shape our relationship with it?

For over 25 years, Mikelann Valterra has worked at the intersection of economics and psychology, helping people worldwide overcome what she calls the “money fog.” This fog—made up of Fear, Overwhelm, and Guilt (FOG)—keeps us stuck in patterns of stress and avoidance. Its roots often trace back to childhood experiences where money was taboo, a source of conflict, or simply never discussed.

While many financial experts preach mindset first, Mikelann takes a refreshingly practical approach. She begins by helping clients craft a personalized spending plan that reflects their values and priorities—then dives into the emotional barriers that block progress. This blend of clarity and emotional awareness is what creates lasting change.

One of her most eye-opening insights is on “lifestyle creep.” As income rises, so do expenses—thanks to hedonic adaptation, our brain’s tendency to quickly normalize new pleasures. That’s why doubling your income rarely doubles your happiness. Instead, the commitments grow while satisfaction plateaus.

For parents, Mikelann shares smart strategies to raise financially aware kids, like using wish lists and distinguishing between needs and wants. For everyone, she emphasizes connecting with your future self—treating that person with care through today’s financial decisions.

Ready to rise above the money fog?
Dive deeper into these concepts in her book, Rise Above the Money Fog, or take her free Money Personality Quiz at SeattleMoneyCoach.com
. You can also join her Awakened Money Newsletter for monthly insights and tools to create financial peace of mind.
Your future self will thank you.

FREE RESOURCE: https://www.seattlemoneycoach.com/

For more information:

WEBSITE: https://www.seattlemoneycoach.com/

CONTACT INFO: [email protected]

Facebook: https://www.facebook.com/MikelannSeattleMoneyCoach

Instagram: https://www.instagram.com/se

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