ADHD Money Talk

The Story Behind Every ADHD Money Problem

We explore how childhood experiences shape our adult relationship with money, especially for those with ADHD who receive an estimated 20,000 more negative messages than praise by age 10.• Children with ADHD often develop shame-based beliefs from chronic criticism• These negative messages literally rewire the developing brain• The prefrontal cortex (responsible for decision-making) is affected by both ADHD and chronic stress• Financial struggles in adulthood often stem from childhood shame rather than just executive function• Conventional financial advice fails because it doesn't address the underlying emotional wounds• The pattern creates a feedback loop: shame triggers fear, which impairs executive function• Healing begins by recognizing and addressing the emotional needs of your inner child• Breaking the shame cycle allows financial management to improve naturallyWhat moment in this explanation resonated most with you? Let us know in the comments.Know what you can really spend, in under 1 hour, no overwhelm. Grab free access here → https://unbudgetlite.shamelessmoney.com/Check out ShamelessMoney.com to work with me directly!Head over to our YouTube channel for the full experience on future episodes.Learn more about ADHD-friendly financial coachingFollow me on YouTubeSubscribe to the newsletterHead over to our YouTube channel for the full experience on future episodes.Head over to our YouTube channel for the full experience on future episodes.Learn more about ADHD-friendly financial coaching Follow me on YouTubeSubscribe to the newsletter

How Buy Now Pay Later Traps You, Explained

Ever wondered why “pay in four” buttons feel irresistible? They’re designed to exploit ADHD brain wiring—leveraging executive function deficits, dopamine manipulation, working memory overload, and future blindness.Services like Klarna, Afterpay, and Affirm thrive on “phantom debt,” with the average person juggling 9+ payment plans and paying hefty merchant fees and penalties. Millennials and Gen Z—especially those with lower credit scores—are prime targets.I share three harm-reduction strategies, including limiting yourself to 1–2 payment plans and finding non-spending dopamine boosts. That’s why I created the UnBudget—a free ADHD-friendly money system that works with your brain, not against it. Link in description.Know what you can really spend, in under 1 hour, no overwhelm. Grab free access here → https://unbudgetlite.shamelessmoney.com/Check out ShamelessMoney.com to work with me directly!Head over to our YouTube channel for the full experience on future episodes.Learn more about ADHD-friendly financial coachingFollow me on YouTubeSubscribe to the newsletterHead over to our YouTube channel for the full experience on future episodes.Learn more about ADHD-friendly financial coaching Follow me on YouTubeSubscribe to the newsletter

I Lost Everything Despite Being a Financial Planner (My ADHD Money Story)

David DeWitt shares his personal journey from financial disaster to freedom, revealing how understanding the connection between ADHD, shame, and money behaviors transformed his relationship with finances.• Breaking free from the shame cycle that drives ADHD financial behaviors• Understanding how self-beliefs sabotage financial progress despite good intentions• Learning that willpower and discipline aren't effective solutions for ADHD money management• Recognizing how 20,000 more negative experiences shape harmful core beliefs in people with ADHD• Discovering how to befriend rather than battle financial demons• Making sustainable progress by addressing emotional foundations first• Finding freedom through self-acceptance rather than constant self-improvementJoin our Shameless Money community to decode your money story and build sustainable financial systems designed for the ADHD brain. Check out our Financial Transformation coaching package that includes a deep discovery call, personalized roadmap with your money story decoded, and implementation sessions to build systems that actually work for you.Head over to our YouTube channel for the full experience on future episodes.Learn more about ADHD-friendly financial coaching Follow me on YouTubeSubscribe to the newsletter

How I transformed my relationship with money (and how you can too)

On this episode, I'm sharing a transformative system that has eliminated my impulse spending by using something called a "token economy" with gold stars that can be redeemed for desired purchases. This approach bridges the dopamine gap for ADHDers like you and me by providing immediate, tangible rewards for positive financial behaviors.• Token economies provide external rewards that help ADHD brains connect daily actions to long-term outcomes• The system creates your own "currency" earned through completing chores, habits, and financial behaviors• The system teaches your brain to weigh desire against effort, creating a natural spending pause• Over time, this approach reduces overall desire for impulse purchasesVisit ADHDMoneyTalk.com to share your experience if you try this system or to ask questions for the show.Interested in working with me 1:1? Check out my brand new ADHD Financial Kickstarter service: a 90-minute call with me where we dive deep on your money beliefs and financial picture. Within 7 days, you'll get a personalized roadmap designed to help you transform your relationship with money for good.Head to shamelessmoney.com/adhd-financial-kickstart to learn more.Head over to our YouTube channel for the full experience on future episodes.Learn more about ADHD-friendly financial coaching Follow me on YouTubeSubscribe to the newsletter

ADHD Money Talk is Back! Small 2025 Goals = Big Impact on Your Finances

ADHD Money Talk is back! Dave is joined by a new (and possibly recurring?!) guest, Max Moclock.Max graduated from Penn State with a degree in Finance. After 10 years in corporate America, Max started a career pivot to becoming a brand strategist. He received an ADHD diagnosis in 2012 and is passionate about creating space for others to feel confident and empowered, regardless of their diagnosis.This episode introduces a new perspective on setting New Year’s resolutions through the concept of the **Winter Arc**, which emphasizes achievable goals, the power of visualization, and the importance of celebrating small wins while fostering self-forgiveness.What's inside?• Introduction of the Winter Arc as a manageable goal-setting approach• Importance of focusing on small, consistent victories• Visualization techniques for achieving goals• Encouragement to practice self-forgiveness and grace• Reflections on the distinct challenges faced by individuals with ADHD• Call for listeners to rethink their approach to resolutions in 2025Head over to our YouTube channel for the full experience on future episodes.Learn more about ADHD-friendly financial coaching Follow me on YouTubeSubscribe to the newsletter