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Transform Your Financial and Emotional Well-being

Michele Paiva brings over three decades of experience in marketing and public relations, trauma recovery and financial therapy. Once insecure and buried in debt, Michele transformed her life into that of a confident investor. Now an author, podcast host, publicist and trusted media financial expert, she empowers others to navigate financial stress and trauma, fostering confidence and growth.

Weekly Podcast



Weekly podcast on all things feelings and finance.

Heal your relationships with yourself, others and – with money.

Free: Finance & Feelings Fridays

Yes, this is a free outreach program.
You will receive an expanded chapter from How to Heal Financial Anxiety and then, every Friday, for 52 weeks, you will get a financial therapy tip in your inbox from the email you signed up with.

You will also get the monthly newsletter and infrequently, updates or news.  This includes invitations to free workshops. Unsubscribe at any time.

Dig A Little Deeper Into Financial Therapy

Viper Public Relations

Many clients find that they benefit from public relations. Please follow the link in the menu if you’d like to discuss how to carve and amplify a message or create a campaign.

If you’re here, you might wonder how to improve your emotional and financial well-being. Financial therapy is your compass on this journey. It isn’t just about getting out of debt, it’s so much more.

No one would be suffering if it were just about spreadsheets and budgets. Whether you’re an individual, a couple, or a family, it’s a welcoming space where we explore the emotional side of money, heal financial trauma, and empower you to make informed financial choices.

Anxiety, ADHD, Relationship Conflict, Trauma, etc., and financial struggles.

These conditions can both create and result from financial challenges. They can lead to impulsive spending or difficulty managing finances, causing financial stress. Conversely, financial struggles can trigger anxiety and worsen symptoms.

It’s a complex interplay, but individuals can find strategies to manage their mental health and finances effectively with support.

When searching for a qualified financial therapist, it’s crucial to consider specific criteria to address the multifaceted nature of financial discord. To find the ideal financial therapist, begin by exploring online directories and consulting professional associations. While reviewing potential candidates, prioritize those who hold qualifications in both financial therapy and trauma therapy. These dual qualifications are key to comprehensively addressing the various emotional and psychological variables that contribute to financial stress and conflict within relationships. With careful research and selection, couples and individuals can benefit from the expertise of a therapist who understands the intricate connections between financial well-being, emotional trauma, and personal financial behaviors.

It’s essential to be discerning when considering associations related to financial therapy. Many organizations in the financial therapy realm are not government or state-recognized entities; they may operate as non-profits but primarily function as listing depots for networking and marketing purposes.

Regarding professional recognition and credibility, it’s often more meaningful to prioritize associations recognized by government bodies and licensing agencies. The American Psychological Association (APA) is a reputable example. Being a well-established entity with recognized authority, APA holds higher weight when it comes to ensuring financial therapists’ qualifications, standards, and ethical practices.

This recognition can give individuals and couples greater confidence in the quality of services and expertise offered by the professionals associated with such authoritative organizations.

Seeking a financial therapist with substantial life experience is a wise choice when looking for a guide to navigate the complexities of your financial journey.

A seasoned financial therapist who has not only mastered the intricacies of money management but also successfully weathered life’s challenges brings a wealth of practical wisdom to the table.

Such a therapist can relate to your journey, having put children through college, navigated the highs and lows of marriage, and surmounted life’s hurdles.

This level of personal experience offers a unique blend of empathy and expertise, enabling you to feel heard and understood as you embark on your financial well-being journey.

They know the ins and outs of managing life transitions, including helping millennials thrive, as they’ve professionally guided others and supported their children’s journey into adulthood.

With their guidance, you can trust that you’re in capable hands, making financial therapy an enriching and transformative experience.

Childhood trauma or recent turbulent relationships can cast shadows that linger affecting our relationship with money.

Yesterday’s wounds can echo into our financial choices today, creating obstacles to prosperity.

But here, I recognize that healing these wounds is essential to economic liberation.

Your financial hardships are not just about numbers on a spreadsheet.

Financial therapy and a financial therapist play a pivotal role in premarital counseling for couples, offering insights beyond traditional financial guidance.

While these sessions involve discussions about budgeting, savings, and financial goals, they extend far beyond mere financial figures.

Financial therapy delves into a relationship’s emotional and psychological aspects of money management. A skilled financial therapist helps couples explore their individual beliefs, attitudes, and past experiences related to money, fostering open communication and empathy.

They guide teams in understanding the complex interplay between emotions and financial decisions, holistically preparing them to navigate marriage’s inevitable ups and downs, combining feelings and logical thinking.

This comprehensive perspective ensures that couples are financially secure and emotionally resilient, ready to face financial challenges together.


Financial therapy can be a profoundly transformative approach for those grappling with the relentless cycle of living paycheck to paycheck or being mired in debt.

In such trying circumstances, the financial challenges often intertwine with deep-rooted psychological and emotional complexities.

While a trained financial coach may provide practical guidance, a seasoned and licensed therapist possesses the nuanced understanding and psychological expertise to delve into the core of these issues.

Drawing from my work and the wisdom of Mihaly Csikszentmihalyi, a pioneer in the field of positive psychology, it’s evident that financial therapy can unlock the door to flow, that state of mind where one’s actions align seamlessly with one’s goals, even in the face of economic adversity.

A seasoned therapist, well-versed in these principles, can facilitate this alignment. They assist individuals in unraveling the psychological barriers rooted in self-worth, compulsive spending, or fear of financial failure. Such therapists employ strategies to rewire thought patterns, foster resilience, and help individuals regain control over their financial narrative.

It is not merely about budgeting or debt management; it’s about untangling the web of emotions and habits that perpetuate financial struggle.

When guided by a seasoned therapist, the journey toward financial well-being transcends the mere economic realm, offering a path to true transformation and lasting financial freedom.

In the realm of financial therapy, even individuals of substantial wealth and diverse investments, akin to a seasoned financial therapist, may discover the profound insights of Carl Jung, a pioneer in psychoanalysis, echoing through their financial journey. The complexities of wealth often mirror the intricacies of the human psyche, as wealth’s emotional dynamics can lead to unique challenges within one’s personal and family life. Just as Jung explored the depths of the unconscious mind, financial therapy delves into the uncharted territories of wealth’s psychological impact.

This approach serves as a gateway to self-discovery and understanding the profound interplay between the wealth amassed and the emotional intricacies it brings forth.

Much like Jungian individuation, wealth management requires us to acknowledge and integrate various aspects of our financial selves. It offers individuals a platform for deeper exploration of the psyche behind their investments, the narratives they’ve constructed about wealth, and the relational aspects of managing resources, even transcending borders and continents.

In the spirit of Jungian psychology, financial therapy paves the way to wholeness in wealth, helping individuals and couples resolve their emotional conflicts, foster healthier relationships, and attain a harmonious balance in the complex world of financial well-being.

At The Finance Therapist, we prioritize partnerships with organizations that align with our diversity, inclusivity, and non-discrimination values. We collaborate with entities that actively promote a respectful and open environment for all individuals.

Additionally, we do not engage in partnerships with organizations that support cruelty to animals or people, are affiliated with fast fashion, or endorse unsavory business models.

We commit to creating a positive and inclusive working relationship with those who share these values.

I appreciate your understanding.

Welcome to The Finance Therapist. I, Michele Paiva, proudly embrace my multiracial identity as a woman over 50. This platform reflects diverse perspectives and experiences.

At The Finance Therapist, I value inclusivity. This space celebrates differences, and I hope every visitor feels seen and heard. Your feedback on enhancing inclusivity is appreciated.

Thank you for being part of my community.

This website’s purpose, and mine, is educational, not to replace your psychologist, therapist, or other medical or financial professional. Licenses and certifications aside, my role is that of a coach or mentor.  This extends to any social media, and I am not responsible for third-party comments, assumptions, or communications.

I do not provide 1:1 therapy at this juncture.

I plan my year and do not take on free clients, outreach, free public speaking, panels, or other endeavors. I plan all of my outreach ahead of time.

You may use my contact form for any paid or outreach inquiry.

Transform Financial Stress -Identify and Conquer Your Money Stress Style.

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