1. Taboo against money talk
   
   A. If we can't talk about money, do we and our clients learn about it?
   B. How does this lack of education affect our clients?

   Early Learning about Money - Forming the Money Operating System
   

   A. Examine what our clients (as children) heard, learned, and decided about money

   B. Explore other family situations, such as addiction & poverty, and the possible impact on the money attitudes and beliefs of our clients

   Moneyphobias and Limiting Beliefs

   A. Discussion of Moneyphobias from The Money Mirror by Annette Lieberman & Vicki Lindner

   B. Storytelling - What are the symptoms displayed by our clients?

   How we can help our clients transform their Relationship with Money?

   A. Don't "SHOULD" on them!

   B. Emphasize compassion, avoid shame and judgment

   C. Share your own limitations and weaknesses; be vulnerable yourself

   D. The Importance of Awareness

   F. Tracking the Flow of Money In and Out of Their Lives - Teach them

   G. The Anti-Budget (Spending Record and Your Money or Your Life Steps)

   H. Getting Real with Money and Debts - Talk openly with them

   I. The Frugality Movement and the Environment

   J. Be a Money Mentor - someone safe to talk to

Many of our clients have very real fears about many aspects of their financial lives. Of course, much of the fear comes from a lack of education and experience in these matters. However, other fears are deeply rooted in early childhood experiences and societal conditioning. Often, a person plagued by Moneyphobias will have mustered all their courage to make contact with a financial professional. It is critical that we receive and nurture that brave step.