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A focused investment in the financial dynamics of your clinical relationships.
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75-minute masterclass · Statement of Completion
The Hidden Shame of Money
When clients cannot speak about money, shame speaks for them.
Your clients can talk about sex, childhood trauma and grief — yet freeze, deflect or apologise the moment money enters the room. A practical, shame-sensitive masterclass to help you work with financial shame without rescuing, lecturing or moralising.
- Uncover the hidden shame beneath overspending, hoarding, debt and under-earning
- Respond when money triggers freeze, dissociation or fierce defensiveness
- Practical dialogue tools you can use in your very next session
4.9 / 5 · 22 reviewsStatement of Completion
Currently on sale · AU$157 AU$97 · Supported fee available
What happens in the room
Unspoken financial shame quietly derails therapeutic momentum.
01
The sudden deflection
A normally articulate client goes silent, laughs off a major financial collapse, or changes the topic the moment financial stress is touched.
02
The “I should know better” spiral
Clients internalise debt or financial missteps as proof of moral failure, confusing their net worth with their self-worth.
03
The countertransference trap
You notice your own discomfort, hesitation or urge to offer practical financial advice rather than sitting with the client’s shame.
When financial shame is overlooked, therapy may unintentionally reinforce the belief that money is too private or morally charged to discuss.
From avoidance to shame-sensitive practice
What you can bring to your next session
Somatic and behavioural shame markers
Recognise the micro-behaviours of money shame — avoidance, rapid speech, postural collapse or compulsive reassurance-seeking.
Shame-sensitive enquiry
Ask about financial struggle in ways that de-escalate defensiveness and invite honest disclosure.
Family-of-origin money scripts
Trace how childhood scarcity, parental conflict and generational money trauma shape present-day financial behaviour.
Both ends of the spectrum
Work with shame around debt and failure, as well as the guilt and secrecy often felt around wealth, inheritance or earning disparities.
Clinical resources
Shame-Sensitive Money Questions and Language Substitutions, plus a Conversation Check-In to use before exploring a financial issue.
Learning outcomes
Recognise financial shame
Identify the language and behaviours of money shame, including shame hiding beneath perfectionism, secrecy, defensiveness and avoidance.
Understand money and self-worth
See how family messages, attachment, trauma, culture, class and social comparison connect money to identity and deservingness.
Work across the whole financial spectrum
Explore shame attached to debt, spending, under-earning and financial failure — as well as wealth, inheritance and privilege.
Ask without interrogating
Distinguish shame-sensitive enquiry from interrogation, and ask about money without needing financial expertise.
Replace moralising with clinical curiosity
Swap language that implies judgement for questions that support dignity without avoiding accountability.
Respond without rescuing
Stay present with shame rather than reassuring too quickly, removing responsibility or moving past the client's lived experience.
A focused, reflective masterclass
Inside the 75 minutes
Five focused chapters. Watch in one sitting or return across several, with lifetime access to all lessons and resources.
- 01
Understanding the Psychology of Money Shame
Exploring how shame develops through early experiences, relationships, social conditioning and financial circumstances.
- 02
The Many Faces of Financial Shame
Recognising shame associated with debt, wealth, spending, earning, financial dependency and perceived failure.
- 03
How Shame Lives in the Nervous System
Understanding the physiological responses to financial shame, including withdrawal, avoidance, secrecy and emotional shutdown.
- 04
Working with Money Shame in the Therapy Room
Recognising shame responses, facilitating safe disclosure and using non-shaming, trauma-informed therapeutic language.
- 05
Moving from Shame to Financial Agency
Supporting clients to rebuild self-worth, strengthen financial autonomy and develop a more compassionate relationship with money.
- 75-minute on-demand masterclass, watch any time
- Shame-Sensitive Money Questions and Language Substitutions resource
- The Shame-Sensitive Money Conversation Check-In
- Statement of Completion
- Lifetime access to the recording and materials
Meet your instructor
Taught by Jane Monica-Jones
Founder & Lead Educator, Procovo Institute
Jane founded Procovo to close the gap between financial practice and trauma-informed care. A psychotherapist and financial therapist, author and educator, she has spent two decades training advisers, counsellors and mental health professionals in how money, stress and the nervous system interact — and turning that work into accredited programs practitioners can actually use with clients.
In this masterclass she brings that clinical lens to the shame clients carry about money — helping you invite disclosure safely and stay present without rescuing or moralising.
More about Jane and ProcovoClinical fit & professional scope
Is this masterclass right for you?
You’ll get the most value from these 75 minutes if any of these situations sound familiar in your practice.
Recognising money shame in the room
- Your clients say they “should be better with money” — and you can hear the shame underneath the self-criticism.
- Money rarely enters the therapy room despite being a significant source of distress, and you want a way to invite it in safely.
- Clients conceal debt, spending or other financial information — from you, from partners, or from themselves.
- You suspect shame is hiding beneath perfectionism, secrecy, defensiveness, comparison or harsh self-judgement, and you want to recognise it sooner.
Working across the financial spectrum
- You work with debt, overspending, under-earning, over-control or financial avoidance — and with clients who feel their situation is a personal failure.
- You also work with wealth, inheritance, privilege or family financial expectations, where shame can sound different but feel the same.
- You support clients after bankruptcy, separation, job loss or business failure, where money and identity have collapsed together.
Your clinical language and stance
- You want practical, shame-sensitive language you can use immediately in clinical conversations about money.
- You want to ask about money without interrogating, rescuing or inadvertently moralising — and to stay present with shame rather than reassuring too quickly.
- You want greater awareness of how your own money history, beliefs and discomfort may shape what you ask, avoid or assume.
Who it’s designed for
For psychotherapists, counsellors, psychologists, somatic practitioners and other mental health professionals — worldwide
You want to feel confident holding money conversations with clients — without needing an accounting degree or risking moralising their choices.
Not the right fit if…
- You are looking for financial advice, budgeting or debt counselling training
- You are a financial professional seeking CPD or CEU accreditation
- You want budget templates or investment spreadsheets rather than psychological and relational training
Choose the fee that fits
One masterclass. Two ways to enrol.
The supported price is available for those who need it. Both options include the same masterclass, materials, lifetime access and Statement of Completion.
Supported enrolment
AU$87
For those who need a lower fee. Choose this option directly — the same learning, without an extra application step.
Enrol at supported fee — AU$87All prices in Australian dollars. Secure enrolment through Thinkific.
Prefer all three masterclasses? View the AU$257 bundle →Before you enrol
Who is this masterclass for?
Psychotherapists, psychologists, counsellors, mental health social workers, trauma therapists, somatic practitioners, couple and family therapists, and other mental health professionals who encounter money, shame and self-worth in their work.
Do I need financial training?
No. No specialist financial knowledge is required. The masterclass is about recognising and responding to shame, not about giving financial advice.
How long is it and when can I watch?
It is a 75-minute on-demand masterclass. You watch at your own pace, in one sitting or across several, with lifetime access.
Does it carry CPD or CE credit?
No. You receive a Statement of Completion, which many practitioners record as self-directed professional development.
What do I take away?
A clinical resource of shame-sensitive questions and language substitutions, plus a brief check-in you can use before exploring a financial issue with a client.
How much is it?
On sale for AU$97 (normally AU$157) until 15 November, 11:59 pm Sydney time. A supported fee of AU$87 is also available.
Make it safe to speak about money.
Recognise the shame beneath the silence, and help clients move toward financial agency.
Enrol now — AU$97The Hidden Shame of Money
75 minutes · Lifetime access