Episode 54: How Can I Get My Finances Under Control?
Why do so many people find it hard to keep track of their money—and what does that have to do with Klarna, ADHD, and, above all, their own beliefs? Our guest: Claudia Müller, financial expert and founder of the “Female Finance Forum.”
Social role models and beliefs such as “I’m not good with money” influence how well we manage our finances and save. In the podcast, Claudia Müller shares practical strategies and tips for greater financial security—from automatic savings to the first steps in retirement planning.
IG Account: Female Finance Forum
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- Why Role Models Shape Our Relationship with Money
- What Beliefs Have to Do with Financial Control
- How to Save Money in Small, Clear Steps
- How to Stay in Control During a Breakup
- Three Steps to Planning for the Future
Excerpt from the podcast interview
Beliefs and Personal Obstacles
Olli Schmidt: What are some typical beliefs you encounter time and again among your clients?
Claudia Müller: If I keep telling myself, “I’m not good with money,” or am firmly convinced that I’m just not good with money, then I’ll never be good at it. Subconsciously—people don’t do this on purpose—I then find reasons to say, “I absolutely need this right now” or “It was on sale.” And in doing so, we reinforce what we already believe: our core beliefs. We keep repeating them over and over.
Another classic is: “It doesn’t really matter what I do—by the end of the month, the money’s gone.” Interestingly, there’s also the saying: “Money corrupts character.”
Yes, money is evil.
Claudia Müller: Money is evil; money alone doesn’t bring happiness. […] And I find myself thinking: What kind of choice is that? Why can’t we just be rich and healthy? Who decides that? […] That’s the point: Money promotes good health, and money also brings happiness. Money also leads to more positive—that is, stronger and better—relationships. […]
If I go through a breakup and want to remain financially independent, what are the very first steps I should take to ensure I’m reasonably secure?
Claudia Müller: I would recommend that everyone have their own bank account, regardless of gender. Always have your own account. […] In most cases, the woman has less money simply because she took care of his children. […] But she wasn’t just sitting around doing nothing at home—she worked incredibly hard. And that’s why she’s entitled to 50 percent.
Cheerful to stormy - the everyday podcast with Olli Schmidt
Welcome to "Heiter bis stürmisch" - the everyday podcast. Cheerful or saddened to death: life has its ups and downs. That's what we're all about: everyday crises such as arguments with your partner, parenting issues, work overload, insecurities and anxiety. We talk to experts and give you practical tips to help you deal better with crises and challenges.
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