This episode on financial literacy, money psychology, and how spirituality and manifestation can coexist with practical money management. She clarifies she is not a financial advisor and critiques “woo” financial advice that encourages people to spend money they don’t have on challenges or expensive coaching by maxing out credit cards. Nikki advocates for building a savings cushion, understanding cash flow, debt and interest rates, and learning about retirement options like 401(k)s (including employer matches), IRAs, and 529 college savings plans.

She frames financial stability as supporting nervous system regulation and wellness.

She discusses Tara Swart’s The Source and summarizes key ideas from Morgan Housel’s The Psychology of Money, emphasizing spending less than you make, saving consistently, investing long term, compounding, and defining “enough."

Time Stamp:

00:00 Welcome to the Podcast

00:30 Money Meets Manifestation

02:12 Why We Need Both Worlds

04:08 Gabby Bernstein Manifestation Challenge

07:18 Calling Out Costly Coaching

10:43 Practical Money Basics

15:01 The Woo Woo Side

17:46 Books and Money Lessons

22:46 Your Next Money Steps

24:04 Be Both Spiritual and Practical

Find Nikki online:

Substack - https://nikkilanigan.substack.com/

Instagram - www.instagram.com/elevate_and_align_podcast