In this episode of Mind and Money, Sherry, a financial coach, and Val, a financial planner, break down the myth that earning more money will automatically make life easier and less stressful. Drawing on research and real-world client stories, they explore how deep-seated money beliefs, habits, and lack of financial strategies can lead to more stress—even as income rises. Sherry and Val discuss practical ways to manage cash flow, avoid the debt cycle, and create financial plans tailored to ADHD brains.

What You’ll Learn:

• The surprising point where income no longer impacts happiness.

• Why more income often leads to more financial stress, not less.

• How ADHD impacts money management and decision-making.

• The role of habits and planning in breaking free from debt cycles.

• Real-life examples of why mindset matters more than money.

Episode Highlights:

• [01:31] The connection between higher income and access to more debt.

• [03:24] Why refinancing and debt consolidation don’t solve money problems without a mindset shift.

• [07:52] How ADHD brains are wired for instant rewards and how to manage it.

• [09:33] Real-life examples of how mindset impacts financial happiness.

• [12:01] Why traditional budgets don’t work for everyone—and what to do instead.

Connect with us:

Book a free call with Val (financial planner): https://calendly.com/valerie-stratford

Book a free call with Sherry (financial coach): https://app.acuityscheduling.com/schedule.php?owner=17480698&appointmentType=25737393

Val’s Instagram: http://www.instagram.com/you.me.and.money

Sherry’s Instagram: http://www.instagram.com/moneymindsetfc

Podcast Instagram: http://www.instagram.com/mind.money.adhd.podcast

Sherry’s TikTok: https://www.tiktok.com/@moneymindsetcoaching

Keywords: ADHD money management, financial stress, budgeting tips ADHD, cash flow strategies, debt consolidation myths, financial coaching ADHD, mindset and money, personal finance ADHD