Unfiltered & Unapologetic with Caitlin Gil-Soto

Finance Fridays 4. Money in Survival Mode: Why Money Feels Like an Emergency (Even When It’s Not)

Season 1 Episode 4

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In this episode of Finance Fridays, we talk about a truth that always comes back: everything leads to the nervous system.

So often we think our relationship with money is a problem of discipline, income, or numbers. But in reality, it’s about internal safety, emotional regulation, and learned survival patterns.

In this episode, we explore how the body processes money before the mind, why even with stability we can still feel anxious, and how to rewire our relationship with money from a place of calm instead of fear.

Segment 1 — The nervous system: your internal safety system

We talk about what the nervous system really is in simple terms: the internal mechanism that decides whether we feel safe or in danger. It’s not mental, it’s bodily, automatic, and learned through past experiences.

Segment 2 — The body processes money before the mind

We explore how money is first experienced in the body: tension, anxiety, avoidance, urgency. Before doing any math, the body asks: is this safe?

Segment 3 — Survival mode money patterns

We analyze common behaviors like overworking, avoiding bills, impulse spending, undercharging, or saving money from fear — not as personal flaws, but as nervous system strategies.

Segment 4 — The first-gen nervous system

From a cultural perspective, we talk about how growing up first-gen or in immigrant households teaches us to live in constant alert, expecting loss, even when stability exists.

Segment 5 — Why affirmations don’t work when you’re stressed

We reflect on why positive thinking isn’t enough if the body is still in survival mode, and why regulation has to come before any financial strategy.

Segment 6 — What rewiring actually means

Rewiring isn’t about getting rich. It’s about teaching the body that money is not danger. Routines, pauses, predictability, and care as the foundation for a new relationship with money.

Segment 7 — The identity shift

The shift from surviving to feeling supported. From controlling everything to trusting. From internal scarcity to allowing money to circulate without fear.

Journal Prompt

Where in my life am I seeking financial safety externally, instead of building it internally?

Affirmation

Stability lives within me, not in numbers.
 I am safe receiving, holding, and trusting money.

Closing Prayer (included in the episode)

An intimate prayer to release survival, trust in provision, and allow a softer, safer, and more conscious relationship with money.

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