154: Why We Overspend and How to Stop with Robin Valadares

Do you ever find yourself making financial decisions that don’t really make sense—but you keep making them anyway? Maybe it’s impulse spending, avoiding your budget, or putting off big financial decisions. In today’s episode, Linzy sits down with Robin Valadares, physiotherapist and personal finance educator, to unpack some of the biggest barriers that stop health practitioners from managing their personal finances. Robin shares insights into the mindset challenges that many therapists and healthcare professionals face when it comes to money—often shaped by their education and training to prioritize others over themselves. Together, he and Linzy discuss practical strategies to shift those patterns, including simple financial “rules” that can help you make better spending decisions, reduce regretful purchases, and start aligning your money with what truly matters to you. If you’ve ever struggled with overspending or felt stuck in taking control of your personal finances, this episode is full of actionable advice to help you build better money habits. Tune in to learn how to take small but meaningful steps toward financial confidence and fulfillment. For a full transcript of the episode and much more, check out the blog post on our website! https://moneynutsandbolts.com/?p=16960  To watch a video version of this, check it out on YouTube: https://youtu.be/s4s9LXRfiSk  Connect with Robin Valadares Robin’s website: www.financiallyfulfilledphysio.com   Free Most Influential Books Booklist: https://financiallyfulfilledphysio.kit.com/booklist Get Robin’s favourite book list. These 16 books completely changed his life. This list showcases classic and modern reads on personal psychology, finance, growth, how to negotiate and the importance of your health. Free Recession Survival Guide: https://financiallyfulfilledphysio.kit.com/recessionguide  A short and informative guide on what a recession is and the steps Robin has taken to make himself and his portfolio recession proof. Free Spreadsheet/Budget: https://financiallyfulfilledphysio.kit.com/freeresource  Grab the Free Spreadsheets Robin uses to track his financial goals If you can’t track it how can you measure it? If you can’t measure it, how can you improve it? Mentioned in this episode: Jane Can Help Let Jane help you raise your fees: Talking about raising fees can be tricky. And Jane wants to be a part of the process of raising your fees — with features built to support you. Their plans are simple, with no surprise fees or binding contracts. And if you do try Jane, don’t forget to use my code MNB1MO for a 1-month grace period on your new account. Sign up to Let Jane Help You Raise Your Fees Register for free Overcoming Money Shame workshop series! Join me from February 24th to 27th as I go live with you for 1 hour each day, giving the tools and support that you need to go from money shame and confusion to calm and confidence with your private practice finances. You could even win $500. <a...