May 12, 2026
Why You're Still Stressed About Money
In this powerful episode, Divya Parekh talks with financial wellness expert Candice Schultz about how money stress is often rooted in mindset, identity, and past experiences—not just finances. With 25+ years of experience, Candice shares how confidence shapes financial decisions, why successful people still feel stuck, and how to break patterns of anxiety around money. Learn how to build a healthier relationship with money and create lasting financial confidence and alignment.
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This is Beyond Confidence with your host w Park. Do
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you want to live a more fulfilling life? Do you
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want to live your legacy and achieve your personal, professional,
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and financial goals? Well? Coming up on dvparks Beyond Confidence,
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you will hear real stories of leaders, entrepreneurs, and achievers
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who have stepped into discomfort, shattered their status quo, and
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are living the life they want. You will learn how
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relationships are the key to achieving your aspirations and financial goals.
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Moving your career business forward does not have to happen
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at the expense of your personal or family life or
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vice versa. Learn more at www. Don't Divpork dot com
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and you can connect with div at contact edt Dvpark
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dot com. This is beyond confidence and now here's your
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host w Park.
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Good morning listeners, So thrilled to be here with you
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on this Tuesday morning. And I know, yeah is everywhere,
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influence is everywhere. So I want to thank you personally
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who have got the box, whether it's expert to influencer
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or the AI agency. If you are looking to develop
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and build that agency, an AI or your influenceror leadership,
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these are the books for you.
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Well, let's welcome our guest Candice.
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Good morning.
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Welcome Candace, and thank you for joining us. Soan you
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for having me absolutely so share with us as to
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what was it that got you into the financial health business.
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Actually, I started off pretty early on.
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Money to me was something that I think as a
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child actually caused my family a lot of stress and
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so living with that, I think I needed to figure
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out as a child, I was wondering I needed to
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figure out how to earn money in order to solve
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this problem that I experienced as a child. And so
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when I was in school, I majored in finance and
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got my degrees and started off as a financial planner
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very early on to learn everything I needed to learn
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about money in hopes that whatever I needed to know
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in order to improve my life I could use and
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then also help others to do the same.
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No, definitely, and some of those lessons stay with us
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from childhood.
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So absolutely, they actually are very early. Our childhood shapes
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us absolutely.
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So just yesterday, I had one of my clients talk
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to me, and unfortunately, the young gentleman was laid off
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and he was making good money and yet he has,
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you know, some credit card debts and some savings and
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a couple of months of sever in Spain, and then
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he was so stressed out. So you know, before people
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get into that place, the financial anxiety can definitely impact
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the interviews he's going to give. So the financial anxiety
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can crush people sometimes. So tell us where does that
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financial anxiety usually stem from.
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Financial anxiety is very real and a lot of times
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we feel it immediately in our bodies and then it
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starts to show up a lot of times and just
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stress in our lives. But it stems a lot of
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times from uncertainty. You know, we're human, so uncertainty is
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definitely one of those things that causes stress, fear of
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the you know, fear of the unknown causes stress, not
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knowing what to do, not knowing if you have a
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plan that feels good. So a lot of those start
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to come in together when it comes to money, because
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money touches so many things, you know, it's touching our livelihood,
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our needs, our wants, our relationships, everything.
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So when we.
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Get to that core of those feelings and we don't
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really have that plan forward that we feel good about,
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I think stress just naturally comes with it.
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So it tell us that, I mean, we cannot avoid
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fun actually anxiety completely because life can throw curveball uncertainties, there,
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changes happen, layoffs, or it can be natural disasters, it
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can be anything. So how can people plan, not only
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financially but emotionally, How can they bring that alignment into
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the lives.
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So a lot of times we have two things happening.
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We have things that are fully in our control that
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we can change, and there's those things that are happening
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that are completely out of our control and they're always
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going to be happening in our financial world. In order
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to actually bring it into how do we deal with
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like that anxiety, that human side of it. Is always
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going to be there. We're trying to train ourselves to become,
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like to say, like anti fragile, and in order to
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become anti fragile, we have to expect that this is
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actually going to happen. So we have to develop a plan,
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a practical plan, but then also an emotion plan. Both
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of them need to be addressed because we know we're
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going to go.
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Through waves of life.
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But we actually have the financial plan and the emotional
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plan working together.
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It won't always be perfect as life hits us.
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But it will be able to maneuver back to that
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core of how we're training ourselves to become a little
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bit more at peace as we move through life, and
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that core value of having those two things.
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Working together from the very beginning.
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M definitely, so I re you're talking about that bringing
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emotions and the finance piece together because the emotional piece
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is tied to the identity as well. For example, I've
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had a client who grew up in a very poor household,
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so even though he's a financial wealth advisor himself, he
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just can't let his life the whole lot. So they
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ended up in a managed counseling session.
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So can you shed some light around the identity.
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You talk about that identity piece, how does that impact
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the financial decisions?
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You know, this is a big one because we spend
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so much time talking about the logical side, the numbers
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of money, and yes that makes sense, but we as
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humans don't always function off numbers and the identity piece
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of who we are. The goal is to build systems
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around things.
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That work for us.
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But the issue is what works for me might not
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work for somebody else because of how we grew up.
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Our childhood is a big one.
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What our beliefs are, what our habits got developed in
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our childhood. So even in marriages, we always see like
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you have one spouse that has one set of childhood
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experiences versus another. Habits are very different, beliefs are very different.
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So then they start to come together and they have
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to build a system that actually works together. And that
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system won't always they won't always agree on each other's systems,
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but it's important to understand them and to actually just
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work within them because those are more workable than trying
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to change the other person to adopt another system.
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Absolutely.
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So, what are some of the mindset shifts that people
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can implement?
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I think one of the mindset is it doesn't have
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to be perfect. A lot of movement forward is where
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you can find a lot of peace. Also having a plan,
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you know, any kind of financial plan, and really making
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sure that you have the basics of saving spending. Why
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am I doing what I'm doing for what reasons? So
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that awareness factor. Being aware is actually a really great tool.
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I know sometimes people think facing the mirror sometimes facing
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those things that we don't want to face about ourselves.
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We all have those fun habits.
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I come fun, you know, but you know what I
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mean as far as just the human habits and we
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just have to face that we have them or when
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we're doing things that maybe are throwing us off course,
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facing the mirror is one of the best things to do.
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It is where the strength comes from. And a lot
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of people avoid that piece.
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So I highly encourage.
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Self awareness is one of the biggest things in money management.
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Definitely, and so many times what happens is that self
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awareness is there, and yet people know.
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What they're doing is.
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Not the right way to go, and yet their patterns
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take over them.
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As you mentioned, habits take.
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Over them, and then they still end up doing what
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they don't want to do. It any suggestions around that.
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I think when.
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You're going down a path where you know it's time
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to take a look at hey, this path isn't working
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for me, we just have to ask that really important
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question of what's holding us back or what.
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Can we change at this point in time.
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Because.
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We have to first start changing with the vision of
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where we want to go, and then we have to
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try to create some type of habit that aligns with
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that vision, and so that alignment becomes really key.
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And I just that movement forward is those answers.
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So if you can move forward and you can keep
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moving forward perfect, if you move forward and you're starting
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to create those roadblocks, then you can access that step
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at that point in time of what do you need
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to move forward again? So each step could be a
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little different, but I would just challenge to when that happens,
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ask that question, make sure where you want to go
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and that action that you're doing, or in alignment. If
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you create a hurt, I'll try to figure out what's
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the next step to move forward again.
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Absolutely, So we've talked about the emotional side, bringing your identity,
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bringing your emotions into alignment. You have talked about a
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practical plan can you shed some strategies around that. I
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know you talk about seventy to thirty rules.
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So a seventy thirty or old to me is it's doable.
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Right. So a lot of times when I know we've
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heard like weight watchers, you know, monitor what you eat,
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do what you can in moderation, right, So in finances,
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it's creating seventy percent of the plan that you know
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that you're doing.
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Well in that thirty percent.
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We are human, We're going to explore, we're going to
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make some mistakes, we're going to learn. But if we
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do these seventy percent of our core plan working in
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the direction we want to work in, we can alter, course,
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we can learn, but that is definitely still taking over
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that movement forward and then we can adjust, we can evolve.
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If we shoot for those ninety percents, we shoot for
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those hundred percent, we're.
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Not a lot of times those beare a lot of stress.
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We're aiming for perfection and not real life, and that
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doesn't really work. It just causes more stress and anxiety.
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So we just need to we need something that's doable,
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that's real, that something that we can go after we
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know we can.
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Get definitely, so as you have talked about, like you know,
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seventy percent of now all of these like you people
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as they're thinking about their plan besides budget like you know,
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do you have any frameworld or suggestions for budgeting and savings?
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So yeah, so budgeting and savings has you know?
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I left at this one because cash flow is a
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very one of the most personal systems because so many
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people function very differently. Some are very much aware of
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every dollar going in and out. Some are very conceptual thinkers,
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they know generally.
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What's going in and out.
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So I think you first have to understand what your
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system that you're going to do. Then after that point,
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really set up some game plans on how much are
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you saving?
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Immediately?
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The biggest thing.
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Is can we say pay ourselves first? Can we save first?
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Because we can't lose on that one. If we spend first,
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then we're sometimes back into the do we have anything
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left to save? So I always learned from the very
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top is how much am I looking to save? And
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that's going in a different bucket, And then my spending
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