Note 7: The Intersection of Money and (Mom) Guilt

Money decisions are rarely just about money.

For many women, especially mothers, they’re tangled up with guilt, responsibility, and identity. Wanting more income, more autonomy, or a different career path gets framed as taking something away from the people you love.

So the question stops being “Is this right for me?” and turns into “Is this selfish?”

That’s where things stall.

Not because the numbers don’t work. Not because the desire isn’t real. But because the emotional cost feels higher than the financial one.

Women are taught to prioritize stability, caretaking, and restraint. Ambition often has to justify itself. Desire has to be explained. Earning more has to be earned morally before it’s earned financially.

Over time, this creates a distorted relationship with money.

You undervalue your work. You delay investing in yourself. You frame your dreams as optional instead of necessary.

All while modeling self-sacrifice as the highest form of love.

But the quiet truth is this: choosing yourself doesn’t take something away from your children. It shows them what self-respect looks like in practice.

Money decisions feel heavy when they’re carrying more than money.

They’re carrying guilt, identity, and the fear of being judged for wanting more.

When that’s named clearly, the decision itself often becomes simpler.

Not easier. But honest.

If this resonates, you can learn more about The Decision Room or Apply Here.