The holiday season has a way of turning the volume up on everything, especially money.

Suddenly you’re spending more time with family than usual, old dynamics are bubbling up, and money starts to feel heavier. Conversations that normally roll off your back hit differently. You might feel judged, defensive, small, resentful, or weirdly emotional about things you thought you’d already dealt with.

That’s because money is never just money - especially in families.

Money is safety. Money is power. Money is love, shame, obligation, history.

And the holidays press every single button.

In this episode, we unpack why family gatherings magnify money stress and how your early money wounds shape the way you react, not just to spending, but to expectations, comparison, and unspoken tension.

You’ll learn how the four core money wounds show up in families during the holidays:

• Scarcity — the hyper-responsible one who feels like money could disappear at any moment • Worth — the status-seeker who spends big to feel enough • Shame — the avoider who hopes money will sort itself out later • Neglect — the one who hands money decisions to others and feels overwhelmed by it all

You’ll start to recognise these patterns not just in yourself but around the table.

Most importantly, this episode isn’t about fixing anyone or starting heavy conversations over Christmas lunch. It’s about awareness. Because when you understand what’s really going on, you stop taking everything personally.

You get to keep your peace.

You’ll walk away with practical ways to regulate your nervous system, set quiet boundaries, and step out of old patterns so you can move through the holiday season grounded, clear, and fully yourself.

In this episode we dioscuss whyt you are not broken or bad with money, you are responding exactly as you learned to survive.

And once you understand that, you get choice.

If this episode resonates, head to the website to download the Money Mindfulness workbook or take the Money Types quiz (find it on our website at phoebeblamey.com.au and remember: understanding money gives you language, and language gives you power.

This week’s episode is basically a Christmas ornament box full of truth bombs: sparkly, slightly chaotic, and filled with things you forgot you put away years ago… until you open it and go, “Oh damn, there’s my dream.”

Phoebe dives into the messy, magical moment she realised she has stepped into the life she dreamed of five years ago — without even noticing it happening. Hosting the founding round of the Million Dollar Conspiracy, surrounded by powerhouse business women, she had that rare, spine-tingling moment where past-you and present-you finally high-five across the timeline.

But this isn’t really an episode about manifestation (although she absolutely manifested the pants off this). It’s about desire. It’s about honouring the dream you keep trying to ignore because life feels like one long “everything everywhere all at once” montage, complete with end-of-year glitter and emotional whiplash.

Phoebe breaks down:

• Why your side hustle matters more than you want to admit

• Why ignoring your dream doesn’t make it polite — it makes it loud

• Why your future self is already living the life you want, waiting for you to catch up

• How giving your dream a notebook, a folder, a Sunday morning ritual can change the whole direction of your life

• Why beginning badly is still infinitely better than not beginning

• The brutal but freeing truth about competing commitments (yes, binge-watching is a commitment)

• Why ideas don’t disappear — they get adopted by someone else if you don’t claim them

• And the tiny, brave, rebellious move you need to make this week

This is your invitation to stop half-assing your dreams.

Because the life you want won’t arrive when everything is quiet and calm and aligned. It arrives when you decide you’re done waiting for clarity… and you take the first step anyway.

Your future self is pouring the champagne. She’s already there. She’s waiting.

Christmas is not a Hallmark movie.

It’s three family lunches in one day, a group chat on fire, 47 “last chance” sales emails, and somehow you’ve become the caterer, the Uber driver, the therapist and the bank. Again.

In this pre Christmas episode we are talking about the pressure cooker that is the holiday season – and how you can do it differently.

We expolore how old family roles, money wounds and expectations collide in December, and gives you a practical, grounded plan to protect your money, your energy and your future without turning into the Grinch.

Inside this episode, you’ll hear about:

• What really sits underneath the family fights, money tension and silent resentment at Christmas

• How financial pressure, “helping out” and unequal treatment between siblings can turn into full-blown money wounds

• Why adults don’t need another useless gift, and how to shift from performative spending to meaningful, low-cost giving

• How to stop being the unpaid Christmas project manager and start sharing the emotional, financial and practical load

• A simple Christmas money plan you can map out in ten minutes so you don’t roll into January broke, exhausted and furious

This episode is your permission slip to say no, set limits and build a Christmas that works for you too – not just everyone else.

If you’ve been working on your money this year, this is where you hold the line.

Because you are not the family ATM. You are not the default caterer and clean-up crew. You are a woman in midlife building real wealth, and that includes how you handle December.