Money is actually units of choice. The more units that

I went through a stage of gambling. I'm sending out to the universe that

I don't care about money, I'm just giving it to these machines. Obviously I'm not

going to get back in return because the universe sees me as giving

I can go to the supermarket, I can grab what I want and

I don't need to look at a price. That's a flex for me. That's

changing the narrative of my money mindset. Welcome

to Krystal Rowe Impact, a space dedicated to empowering

you to be the change that your bloodline has been waiting for. Join

me and together, let's inspire change. Kia

ora and welcome to the Krystal Rowe Impact podcast. And

today I have my amazing husband TJ joining me as

we talk about overcoming financial trauma,

reprogramming our money program. So

my love, building a legacy of wealth is

one of our important goals in life. How

does that sit with you from how you used

to be to having this new money program and mindset and

I think, yeah, it is exciting. It

is exciting. Like coming from a background

of just living from week to week, hearing

the words like from my parents, like,

oh, we don't have enough money for this or that, or we're broke or

stuff like that, that sort of

led to the mindset of

we don't need money to be happy, and which is true, like

I 100% believe that to this day. But

having that security to

be able to feel your happiness is, I feel is

great. What I mean is, if

spending time with your children is your happiness, then

imagine being able to have your own business to be able to

step away from, to be able to spend more

You know what I mean? Yeah, I do. I think too, when

you say things like money

doesn't make you happy, like that's true, but money

also creates times that do

make you happy. You know, you said if spending

time with your children makes you happy, well, the bills still

need to be paid. And you know, the car needs petrol and

food needs to be purchased. So I think like the

whole retraining the money program and

understanding that money is actually units

of choice. So the more units that you have,

the more choice that you have. It's not necessarily about

creating X amount of zeros in your bank account.

It's more about having the amount of

choice and the opportunity. And I believe that

we've got to a point now where we

are slowly overcoming, identifying those

limiting beliefs around money. You know, one thing that we

don't say in our house or to each other, is that I'm broke.

We can't afford that. Our kids will come to us and

say, oh, dad, show us this note. And in our minds, we're

like, oh, God, what next? Because we've got eight of them. Eight of

them come in with, oh, I want to play this sport. It's going to be

$60. And my first thought is, we can't afford it. But I'm not

going to tell that child that we can't afford it, because that's going to That's

going to create limiting beliefs within them. So

we either say, yes, there's no problem, or we'll

come up with some other reason why we can't. We've

got the money, son, but we, you know, we're actually going away. We're

I think a lot of times too, I'm not quick

to say yes or no. I'm like, put that on my desk and

I'll look at it later. Like, I'm very mindful. about how

we respond because what our kids hear, like you said,

you know, you grew up with like, oh, how are we going to pay this bill

or I can't afford that or whatever the words were.

I remember, you know, like mum had a budget. She was very, very

good at budgeting and very precise on

what mattered to her. Like, I mean, we had

our own home and we had our own rooms

that were, you

know, the curtains matched the duvet and mum

prided herself in her home. So that's where she

spent her money. And that was very important,

but I knew that that was also a struggle. Like, you

know, growing up, I knew what a lay-by was. Like, we weren't

out here paying for things straight up. Like, you know, it was

allocating money here, there, which is great when you have

to do that. But I think where we're at now in

trying to overcome those financial barriers and

not let those be our children's reasons why they

don't do something. Yeah. why they don't ask

for something. I remember, and I remember a

lot of friends not asking to go on camp or play sports is

because they already knew the answer, you know, and

that's... That's trauma in itself because then when you grow

up, you don't want to ask for things. And then

once you become an adult, we don't

ask for help because the

answer's probably gonna be no. And I

think it's a really important thing for us. Now sometimes I'll pull you

up sometimes at home and be like, don't, that's a

limiting relief. Well, that's like a bad money program and

you're quick to retract. explain and communicate more

clearly to the kids, like, they understand that we have a

business and that we make money to be able to

create opportunities for connection and time.

And I think that's like a, you know, we're a work in progress as well,

obviously, but for me, being

aware that there was a financial trauma

and a poor money program has given me the

opportunity to not let

that be me anymore. And

it's not like... you know, I don't

care about money, but I do look at money as

units of choice, as opposed to dollar signs. So

the more money that I have, I can go to the supermarket, I

can grab what I want, and I don't need to look at a price. That's

a flex for me. That's changing the narrative

of my money mindset. It's me saying like, yes,

I can be mindful, but It's also having

that freedom too, to now know I've overridden the

fact that I can't afford it. I think that's like a

major thing for me and knowing that our kids get to grow

up. knowing that they can afford something instead

of they can't. That's already the change, that's already

shifting the generational wealth. Before

they get to think about what they want to do

for a job or a career, they already know that I can achieve,

I can go for that job, I can, because the

mindset over here of I can't afford

or I can't do that has been eliminated. I

I think too, facing your financial

traumas actually allows

you to tackle and get rid of them. They're

like barriers that step in, in your way

of progress. Like I remember when

I first started the Cuzzies Cafe, I

was approached to do a couple of like online platforms and

like deliveries and stuff, but they cost. And

back then it was like maybe $99. And I was like, no,

no, I can't do that. I had marketing people be

like, it's like, you know, $99 a month, and we'll post

this for you, we'll do this, and ultimately bring in

a lot more money. But I'd say no, I can't

afford that. I can't afford that. And there was this point in time,

I remember we had

the TV screen guy come in. And

I remember looking at the thing, it's like five grand for one screen. And

I'm like, just signed it. I didn't care because I

knew that we could put that say $99 a month

into our budget because I knew that it would grow. And

that was the difference between I think maybe two and a half years

from when I started to having that extremely poor

mindset of not knowing how

to pay for it to finding a way. I

think it's important as well to understand that when you overcome

your financial trauma, that you're overcoming your limiting

beliefs, that you're actually overcoming those barriers that

have been put in place that actually aren't necessarily real.

And that you have the power as well to actually change

the trajectory of how you move. Like

how you actually move not only yourself and

your business, but how the rest of your family moves.

Like as a collective, like now, like I said before, the

kids know that they can buy something. They can ask

for something. They don't, our kids don't hesitate to

ask for shit. or anything. They

expect because they have- And I love that too. Yeah. I love it. There's

no fear anymore with our kids and, you

know, by us overcoming that money program and

rewiring it and rewriting it to one

Just creating a good relationship with money too, I think, is

Yeah. Even though like one of the past episodes we just

had is I went through a stage of gambling.

So that's obviously a bad relationship with money. So I'm

sending out to the universe that I don't care about money. I'm just giving it to these machines

or whatever. And obviously I'm not going to get back

in return because the universe sees me as giving it

away. Yeah. So if you can give it

away and in a more healthy environment and

And that's a really good point, my love, is about when

you get these units of choice, what you're actually doing

with them. Like I've noticed, if I reflect

back recently, you know, say a

year ago when we've had like a surplus of funds,

what we've done with it, as opposed to now, how we're actually

really reinvesting into it. You know, we've invested

a significant amount into creating a Cuzzies franchise.

We've invested it into creating an online

presence via this podcast. We

invest back into ourselves and that in

itself is overcoming that trauma

and saying that that's not our way anymore. You

know, like we actually can see that we believe

in ourselves. So we've replaced those limiting beliefs with belief and

we're backing it with our finances. So that's a

So just to wrap it up, guys, if you have a bad relationship with

money, just know that you have the power within to

change that mindset around money. You've got little ones, you've got kids around

you. Just be who you want

And if you want to change that money program that

hasn't served you, make sure you leave a comment,

ask a question and reach out because we're here to serve you. We're

here to help and make sure that you

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