263. Save Money Without Feeling Deprived (Money Coaching with Tori)

Saving money doesn’t have to feel like a punishment, and in today’s episode, I’m proving it. I’m diving into coaching questions from listeners about how to save without feeling deprived, how to break out of scarcity mindset, and how to balance long-term goals with actually enjoying life. From processing layoffs and using your emergency fund without guilt to understanding why fear hijacks your finances, this episode is packed with practical money advice, emotional mindset shifts, and actionable tools for creating a sustainable financial plan that still lets you have a life. If you’ve ever struggled to save without feeling deprived, or wondered how to make money choices that feel good today and set you up for tomorrow, this coaching session is for you. Mentioned in this episode: Millionaire Mindset: https://herfirst100k.com/financial-feminist-show-notes/millionaire-mindset-taking-risks/ How to Get Out of Financial Survival Mode: https://herfirst100k.com/financial-feminist-show-notes/financial-scarcity/ Visit ⁠https://herfirst100k.com/ffpod to stay up to date and find any resources mentioned on our show! 00:00 – Money Coaching With Tori: Ask a Multimillionaire Anything 01:00 – Listener Win: Starting a Side Hustle With Confidence 02:15 – Why Women Struggle With Taking Risks 04:00 – How to Start a Business When You’re Scared of Judgment 05:00 – Question 1: “I’m Afraid to Touch My Savings After a Layoff” 06:15 – How to Use Your Emergency Fund Without Guilt 07:00 – Navigating Layoffs, Uncertainty, and a Volatile Job Market 08:00 – Is It Time for a Career Pivot or Freelancing? 09:00 – Resetting Your Career After a Job Loss 10:00 – Why You Need a Personal Project During a Job Search 11:00 – Question 2: “How Do I Stop Living in Scarcity Mode?” 12:00 – Balancing Saving, Spending, and Generosity 13:00 – Understanding Your Financial Trauma & Scarcity Triggers 14:00 – How Fear Lies to You About Money 15:30 – The “Put Fear in the Back Seat” Strategy (Liz Gilbert Method) 17:00 – How to Budget for Generosity Without Derailing Your Goals 18:30 – Why You Can’t Pour From an Empty Cup (Money Edition) 20:00 – How Scarcity Mindset Affects Your Financial Decisions 21:00 – Why You Must Talk About Money in Therapy 22:00 – Question 3: Balancing Saving for Retirement With Wanting to Live Now 23:00 – YOLO vs. Long-Term Money Goals: Finding the Middle Ground 24:00 – Make Retirement Feel Real: Visualizing Your 65-Year-Old Self 25:30 – “Saver vs. Spender” Is a Myth — Here’s What You Actually Are 27:00 – How to Trick Your Brain Into Enjoying Saving Money 28:00 – Using the Three-Bucket Budget to Spend Guilt-Free 29:00 – Lightning Round: Emergency Funds, Life Insurance, and Over-Saving 31:00 – What Life Insurance Should Actually Look Like 32:00 – How Much Is Too Much in Savings? 33:00 – Free Resources: 7-Day Money Reset + Stock Market Workshop Learn more about your ad choices. Visit megaphone.fm/adchoices