We’re naturally spenders and not savers. It’s just how we’re wired. By the time we realize we may have a problem with how we’re managing and spending our money, we’ve already built up intense feelings of overwhelm and shame that are difficult to overcome.   How can we begin to change our negative money scripts and move from a mindset of scarcity to a mindset of abundance starting today?   Today’s guest is Maggie Klokkenga, a financial coach with dual credentials as accountant and financial planner. After 20+ years in the financial industry, Maggie recently started her own firm in Illinois and works with clients all over the country, focusing in particular on financial coaching for couples and families planning for college. She views it all through the lens of the psychology of money.   Listen in as Maggie shares how she “reduces overwhelm and shame around money by helping her clients get out of the red and into the black.”   She gives us a mini history lesson and science lesson to help us all understand why we’ve made past spending choices, which can empower us to change our current spending patterns and achieve those financial goals. Key Topics: What Maggie does for a living (1:37) Why we develop “overwhelm and shame” around money (2:21) Changing your money script (6:16) Becoming aware of our fight-or-flight response with money (15:33) Going from a scarcity mindset to an abundance mindset (27:30) George Kinder’s three questions to change your perspective on money for the better (32:22) The four categories of money scripts (38:35) Reach out to Maggie to learn how you can transform your view around money at maggie@makeamoneymindshift.com. Visit her website at www.makeamoneymindshift.com.   You can also find her on her socials:   https://www.facebook.com/makeamoneymindshift/ https://www.instagram.com/makeamoneymindshift/ https://www.linkedin.com/company/make-a-money-mindshift-llc/ https://www.youtube.com/channel/UCJeDCaRI3Aw7I7W1Xvqq-Kw If you like what you’ve been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com   You can find the transcript and more information about this episode at www.takebackretirement.com.   Follow Stephanie on Twitter, Facebook, YouTube and LinkedIn.  Follow Kevin on Twitter, Facebook, YouTube and LinkedIn.