
15: From Shame to Strategy: Redefining Your Relationship with Money with Josh Dellinger
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In this episode, Dr. Ciara Martin sits down with financial advisor Josh to unpack the emotional side of money, how our childhood shapes our financial habits, and what it really means to build a sustainable, values-aligned financial plan.
Josh opens up about his own journey, from resisting the corporate grind to discovering his passion for helping others align their money with their life goals. Whether you’re navigating a big life transition, trying to make sense of your budget, or simply wondering how to build wealth without selling your soul, this conversation offers grounded insight, practical tips, and a healthy dose of financial empowerment.
In this episode, we explore:
- How your upbringing shapes your financial mindset
- Common struggles with budgeting, shame, and money stress
- The importance of working with a financial advisor you actually trust
- Why knowing your “why” is essential for any financial plan
- Balancing self-education with professional guidance
- How discipline, awareness, and clarity fuel financial freedom
Timestamps
[00:00] Welcome to the show – Meet Josh
[02:44] Why financial planning matters more than ever
[06:24] Childhood experiences that shape our money stories
[11:11] Budgeting, literacy & the emotional side of money
[18:33] The drive for financial freedom and life on your terms
[22:14] What financial advisors actually do—and why it matters
[30:34] When to seek help (and how to find the right person)
[36:30] Building financial awareness and clarity
[41:41] Discipline, intention, and sticking to your goals
[52:53] The lifelong nature of financial planning
[54:44] Final thoughts: blending education and expert support
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