Balancing Financial Coaching with ADHD: Insights, Tools, and Personal Growth on the ADHD Money Talk Journey

I do drop the names of a couple budgeting apps if you want little nuggets of things , and I talk about how I want to revise and refresh the old content I did , how I've learned so much over two years of working with people with ADHD .

So if you just want to hear me talk as though I'm talking to you directly and just be very random and ramble , then this episode is for you . But be warned , it's a ramble , a true , proper ramble .

Welcome back to ADHD Money Talk , the show that helps dynamic but distracted ADHD brains take back control over their money , to stress less , live a more enriching life , open up new possibilities and get their money in balance with the rest of their life . So I've been away from doing content .

I was trying to do a bunch of YouTube videos , then I was trying to make them also podcasts and then I also just had to keep remembering that I have a lot of clients and I need to be focusing on them , first and foremost because they are my business , and so , naturally , content has slowed down a bit because , at the end of the day let's be real this

whole thing started because I wanted to make a living doing this working with people with ADHD , helping them get their money in order and if I'm focusing all my time on content , then I am not focusing on my time on my clients . It's not to say I'm not going to be doing content .

In fact , there is going to come a point where a lot more content will come out . It's just right now . I'm in a retooling , re-centering , refocusing , re-getting some personal balance back , because I was going a little bit too hard and stressing myself out a little bit too much .

If I'm being real , I would expect for the next while for content to be pretty inconsistent and maybe come across as not planned . Very well , that's just the heads up to you , because I want to be honest and transparent .

I have no interest in doing anything that is not honest or transparent or trying to pretend like I'm doing something making content that's so great that you should love it , just because it's me or something Like I'm not special .

So the thing that I do like about recording podcasts is that I find it a bit therapeutic for me personally to be just talking to the camera because it actually helps me , especially when I don't plan it , because then I'm actually letting my thoughts get formed in real time by talking out loud .

It feels like I'm talking to someone or someone's maybe listening , because I think some people do listen to the show . Occasionally when it comes out I don't really know . I don't really check the stats of my podcast much .

I used to do that all the time , but now I'm just so focused on honestly just trying to find a work-life balance and also trying to make sure that I'm creating a business model and a client experience that actually moves the needle for my clients that have ADHD , because my clients might have ADHD of the sort that comes from a place of shaming , guilt and money

spending issues . Helping that client does look different than helping the client who might make $400,000 doesn't necessarily have money trauma or traumatic money events . That has sort of created obstacles . That requires a bit more behavioral techniques and stuff .

Not that I'm doing therapy please don't get me twisted but I do have a therapeutic approach to the way that I work with most of my clients . But then there's occasionally the client who makes $400,000 and who has ADHD in a bad way .

It's just that their problem with money looks different , in fact , a lot different because that would be a case of they still have no idea what their money's going . They're still spending too much , but they have money like floating around and too many different accounts . Nothing is organized , it's all very chaotic .

They're definitely not saving enough for the lifestyle , for retirement , in order to maintain the lifestyle that they're currently enjoying . So that looks a lot different than the client who's making $150,000 , who really needs coaching , a more coaching and almost a therapeutic approach .

I never cross the line into actual doing therapy because I don't know how to do that , but just talking through potential obstacles and building awareness is about as far as I go . But that's important .

If you can just even make a small connection like oh yeah , this is like what my mom did and I'm just doing what my mom did , or my dad , or just from reading a few books that go into the psychology of money , just having that awareness is such a huge first step . That alone sometimes is enough to get you to the point of like .

Now that I know , besides just the ADHD , why I'm spending so much and why I have so much guilt and shame and whatever , then I can move forward .

So what I'm really trying to say is that I'm focusing right now mostly on developing and continuing to serve clients in the way that they need to be served , making sure I have different lanes of service a lane for the person who earns a lot of money but just needs organization and has nothing optimized , versus the person who does need a more hand-holding ,

coaching , gentle approach . I want to be doing both , so I'm just working on that . I feel like I've gotten a couple of messages because , like my earliest podcast episodes , I'm kind of looking at them now . There's , like you know , how to budget when you have ADHD .

I don't even remember what I said in that , to be honest with you , and I'm one of those people that , like , really doesn't like to hear himself , so I don't enjoy re-listening to , like my old podcasts . It's just a thing I don't know . It's probably something that I can talk to my therapist about , you know , like having more love for myself or something .

But regardless , my philosophy has probably changed on how to budget because , just as a backdrop , when I started this podcast and this business , I actually hadn't practiced with any client yet that has ADHD . It was essentially a marketing tool to have people find me and be like you know what I would kind of want to check out working with Dave .

So the very early episodes was , like you know , I was just about to pass my CFP and get my CFP . I had lots of technical knowledge .

I had worked on my money myself for a while and gone things straightened up pretty good , but I was guessing as to what would really work for people with ADHD and I've learned quite a bit since , and so I do think some of these foundational things could use a refresh , like how to budget when you have ADHD .

Back then I liked this app , honeydew and I reason why I liked Honeydew was because at that time I liked it more , like honestly and I have a new marketing person who I'm working with he would probably be like you shouldn't say these things because it's not good for your brand . But whatever , I honestly love radical honesty , like I love radical transparency .

I love radical honesty , so that's something you'll always get with me . But when I recorded the how to budget when you have ADHD episode , from what I remember , I was just getting frustrated with what was , at the time , true bill , and I chose true bill out of probably seeing an ad for it .

And then I was like I need to find a different one , and I would like my wife to be involved Then a girlfriend , actually and so I looked online for budgeting apps good for couples . I found Honeydew . I tried it . It worked . I liked that it was simple . I liked that it didn't have too many features .

It didn't let me go down rapid holes that were just completely pointless . It didn't seem like it was trying to sell me loans and different products , so I was like you know what it's working ? And then I was like it's working . I'm going to recommend this one to all of my ADHD followers , so that's why I chose it .

It wasn't like I tried them all and chose it , so I've since learned a lot . I know that there is no one app that's great for ADHD . I mean that's absolutely positively the case . We all know this . It's not like a mystery that one app might work for you , another app might work for another one of you .

So I could refresh that episode and say you know , this one would be good if you like this . This one would be good if you like this . I do have my personal favorite and I have the one that I offer free to all my clients .

But that's partially because that one , a , works really well for me and B , has a program where I can offer it as an advisor and be able to budget with my clients .

So that's not to say that if , like YNAB , had a service that was just as similar to as the one I use , which is Monarch , then it's very possible that I would be using YNAB and saying YNAB is the best one for ADHD , even though I personally don't like YNAB for me personally , but I love it for my clients that already used it and use it so well .

In that case it's amazing . So , you know , it's just so different for everyone . Just to be clear , like , if I were to recommend one now as , like , give this one a shot as a good , as a good one , I would probably say Monarch .

But if you were like you know what I hate , I just like Excel , then I would say go try Tiller , tiller money , whatever the second word is of that company's name , you know . And then I did investing . So I was really still like I was . Yeah , I did this , I did that , I did all these episodes . Sacrifice , sacrifices are huge .

Yes , I had someone on for ADHD and divorce , at least I think I did . I probably have new ideas on that that are more baked in practice with people . So I want to kind of refresh some of the old episodes and some of the foundational stuff budget workshop that was the reverse budget . I have new ideas on the automation because there's new .

There's some new softwares out there that really help with automation . So the reverse budget I was really using like a direct deposit split , which still is great , it works fine . But there's other ways to kind of think about that . So I want to refresh that's what I'm trying to say . I want to refresh a bunch of these .

I also realized I went really deep into like the budget workshop was like deep . My marketing guy keeps saying I need to be more high funnel , which means focus on big picture , easy to digest stuff . Don't give away too much . No , no , don't give it away . Starting LLC See the problem with me .

If I'm being totally honest with you and if you're still listening to this ramble , then thank you . I don't know it's hard for me to talk about the really simple stuff because I know intellectually that it would be great for most people who like a lot of people who will be listening .

But I just want to go down rabbit holes and learn something deep all the time , like I want to learn something really interesting and new and try and learn it to the point where I feel confident enough to talk about it .

So that's where I go into things like coming up with the shopping personas or really trying to ADHDFI the idea of why starting LLC , starting a business , is super good for ADHD or really diving into productive procrastination , or really diving into the science of your brain , like why decisions are so hard , like reading research papers .

That's where I end up just going when I really I could just be like let me just say the things I already know cold , quickly , for the benefit of my people or the people who listen to this .

So at the end of the day , what I'm basically saying is that I'm going to have more content coming soon , that's more planned and with the help of a marketing person that makes it so that I just have to sit here and record something that's already been kind of prepared in .

My input was basically on the idea and maybe some brain dumping , but then it's kind of already formed for me , so I can just both do content and also spend most of my time working with my clients , which is why I'm here and what I do , and that's how I make money for myself and for my clients , though , so I want them to make sure that they're getting the

attention that they deserve . So that is my update to you . So if you were enjoying the regular release of content , just stay tuned . There will be more . For now , it'll just be random . When I get to it , I might do these ramble episodes . Know , in the perfect world , I'd have this like master plan and I'd like to .

I'd have all of everything planned and organized and , like .

This is the purpose of all this content , it's leads , and , but like I'm so overwhelmed all time with all things , I got to do that like Sometimes I just want to sit down and just talking to the mic and then just share it and be like I feel it's good to share my thoughts with more than just one person . That's what I'm doing right now .

If you have any questions , if you any thoughts , any ideas for Episodes that you'd like me to just sit down and just riff on , I would love to just have episodes , questions , where I can just riff for the podcast . You know , I might do some more YouTube things where it's more , you know , youtube oriented , but , like on the podcast , I love riffing .

Do you like the riffs ? Do you like it when it seems more planned and organized and structured ? Do you like the verse relatable , kind of like ? I like I'm in this with you because I am in this with you . Trust me , there is no question about that . I still struggle with Especially lifestyle creep . You know like it's that .

Lifestyle creep is a sneaky guy , the cell creep being when you are earning more and then you add things to your life , to your lifestyle .

The justification for adding things to your life when you're making more money Sneakily , let's just say , with quick and strong Justifications , and before you know it you've added something to your life that you now feel is non-negotiable and you just do not want to do the alternative , which is not instantly gratifying .

So there's lots of talk about someone should do so . I'm just gonna leave it at that . Hang in there if you like my content . More will come . Let me know if you have questions . You can go to ADHD money talk calm and hit the ask a question , or you can email me at David at ADHD money talk calm .

You can voice record a question on the website ADHD money talk calm . You can do Instagram . Reach out to me and I would love to get a little roster of things talk about Coming up this year and in the future . Thank you so much for listening . Thank you so much for Focusing on your money .

Honestly , you should be proud of yourself , or even listening to any content about money . Keep listening to other content about money . Read some books . Read Money Mammoth by Brad Klontz . It's a great book to get yourself situated with understanding psychology of money . There's so much you can be doing day in , day out . Look at your money , look at it all .

Keep at it , stay aware , stay awesome , stay strong , stay proud , stay alive , stay everything good . I said stay alive . Big 21 pilots , fan and new content from our new album scumming so , so pretty one by let's , so excited . Alright , see ya .