# Ep 66: Money Below the Surface: How Our Stories, Systems, And Nervous Systems Shape Financial Choices

Page: https://stenobird.com/podcast/the-leading-below-the-surface-podcast-with-latonya-wilkins-6464259/ep-66-money-below-the-surface-how-our-stories-systems-and-nervous-systems-shape-financial-choices
Text version: https://stenobird.com/podcast/the-leading-below-the-surface-podcast-with-latonya-wilkins-6464259/ep-66-money-below-the-surface-how-our-stories-systems-and-nervous-systems-shape-financial-choices.md
Podcast: [The Leading Below the Surface Podcast with LaTonya Wilkins](https://stenobird.com/podcast/the-leading-below-the-surface-podcast-with-latonya-wilkins-6464259)
Published: 2026-03-11T11:00:00+00:00
Episode link: https://podcasters.spotify.com/pod/show/leadingbelowthesurface/episodes/Ep-66-Money-Below-the-Surface-How-Our-Stories--Systems--And-Nervous-Systems-Shape-Financial-Choices-e3g8k87
Audio file: https://anchor.fm/s/e4da3074/podcast/play/116723399/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-2-10%2F419746808-44100-2-817be095dd723.mp3
Processing state: not_requested
JSON: https://stenobird.com/v1/public/podcasts/the-leading-below-the-surface-podcast-with-latonya-wilkins-6464259/episodes/ep-66-money-below-the-surface-how-our-stories-systems-and-nervous-systems-shape-financial-choices
Duration seconds: 2977

## Resource

What does your relationship with money really say about you — and the systems you were raised in? In this episode of Leading Below the Surface, LaTonya Wilkins sits down with financial coach and trainer Saundra Davis for a raw, wise, and deeply human conversation about money, trauma, and economic justice. Drawing from decades of experience at the intersection of financial coaching and economic justice, Saundra unpacks why so many people — especially people of color — struggle with money, and why that struggle has far less to do with personal failure than with systems designed to extract wealth from those least equipped to fight back. This episode offers compassion, clarity, and a reframe of what it truly means to build wealth. 🎥 Prefer to watch? This episode is also available on YouTube with chapters: https://www.youtube.com/@changecoaches/podcasts Episode Chapters & Key Moments [00:00] Intro & how LaTonya met Saundra at ICF Converge The story behind the connection and what makes Saundra's work distinct Auntie energy and why it matters in financial coaching [04:30] Auntie energy, kinfolk, and the generational gap What it means to show up with warmth and zero judgment Bridging generational differences in how we talk about money [10:00] Music, community, and staying connected across generations How shared culture keeps us rooted The role of community in financial healing [16:20] Growing up poor and the scarcity mindset How childhood environments shape our earliest money beliefs Why scarcity thinking isn't a personal flaw — it's a survival response [21:00] How the environment creates our relationship with money Systems, not character, create poverty Why shame around money is a design feature, not a bug [26:45] Trauma, money, and two kids raised in the same house H…

## Actions

- request_transcript: `POST https://stenobird.com/v1/public/podcasts/the-leading-below-the-surface-podcast-with-latonya-wilkins-6464259/episodes/ep-66-money-below-the-surface-how-our-stories-systems-and-nervous-systems-shape-financial-choices/transcription-requests` — Idempotently request low-priority transcript generation for this episode.
- read_markdown: `GET https://stenobird.com/podcast/the-leading-below-the-surface-podcast-with-latonya-wilkins-6464259/ep-66-money-below-the-surface-how-our-stories-systems-and-nervous-systems-shape-financial-choices.md` — Read the agent-friendly Markdown representation of this episode resource.

A page view does not enqueue transcription. Agents should invoke `request_transcript` explicitly when they need this episode processed.

## Transcript

Full transcripts are not published on public pages unless there is a clear rights basis.