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Listen "Net Worth vs. Self-Worth: Melissa Hoyer on the Emotional Side of Money"
Episode Synopsis
In this episode, we sit down with Melissa Hoyer, affectionately nicknamed The Inheritor Whisperer. Melissa is a Certified Financial Planner, life coach, and wealth coach at The Wealth Conservancy. She specializes in guiding women in transition who receive a financial windfall—whether through a divorce settlement or an inheritance. With nearly 20 years of experience, she combines traditional financial planning with life coaching, helping clients navigate not only the numbers but also the complex emotions that accompany sudden or significant wealth.
Melissa shares why money is never “just numbers” but is deeply tied to our emotions, stories, and sense of self-worth. She explains how wealth shifts can trigger fear, guilt, shame, or uncertainty—and how her process blends financial planning with life coaching to help clients integrate these changes, align their money with their values, and turn finances into a source of confidence and possibility.
Key takeaways include:
How to separate net worth from self-worth and rewrite limiting money stories.
The stages of “money maturity” after a windfall and how to move from overwhelm to confidence.
Understanding money personalities (like Accumulators, Connectors, and Alchemists) and how they shape habits.
Why the “decision-free zone” after divorce or inheritance is crucial for wise choices.
The role of abundance, generosity, and mindset in creating financial peace.
Melissa also shares her own journey—from unexpectedly entering the world of financial planning as a French major, to discovering her passion for supporting clients through life’s most significant transitions. As a mom raising a teenage daughter, she brings both professional expertise and personal wisdom, emphasizing the importance of teaching self-love, resilience, and financial confidence.
This conversation is a powerful reminder that healing our relationship with money starts with healing our relationship with ourselves.
Connect with Melissa
Website: https://www.thewealthconservancy.com/about-us/melissa-hoyer/
Coaching Program: Way Into Wealth~ https://www.wayintowealth.com/
Melissa shares why money is never “just numbers” but is deeply tied to our emotions, stories, and sense of self-worth. She explains how wealth shifts can trigger fear, guilt, shame, or uncertainty—and how her process blends financial planning with life coaching to help clients integrate these changes, align their money with their values, and turn finances into a source of confidence and possibility.
Key takeaways include:
How to separate net worth from self-worth and rewrite limiting money stories.
The stages of “money maturity” after a windfall and how to move from overwhelm to confidence.
Understanding money personalities (like Accumulators, Connectors, and Alchemists) and how they shape habits.
Why the “decision-free zone” after divorce or inheritance is crucial for wise choices.
The role of abundance, generosity, and mindset in creating financial peace.
Melissa also shares her own journey—from unexpectedly entering the world of financial planning as a French major, to discovering her passion for supporting clients through life’s most significant transitions. As a mom raising a teenage daughter, she brings both professional expertise and personal wisdom, emphasizing the importance of teaching self-love, resilience, and financial confidence.
This conversation is a powerful reminder that healing our relationship with money starts with healing our relationship with ourselves.
Connect with Melissa
Website: https://www.thewealthconservancy.com/about-us/melissa-hoyer/
Coaching Program: Way Into Wealth~ https://www.wayintowealth.com/
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