---
title: "36 Why Money Can Feel So Hard: Avoiding Money Doesn't Mean You Are Bad With It"
description: In this episode of the Her Money Matters podcast, Naomi and Helene unpack why so many women avoid money, what’s really going on underneath that avoidance, and why it has nothing to do with intelligence or being “bad with numbers.” More often than not, it’s about feeling like it is a discipline or something you 'should' do, and that very often there are so many other things happening in your life that you just don't have the emotional bandwidth to deal with it.
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---
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Feb 9, 2026, 12:00:00 AM
# 36 Why Money Can Feel So Hard: Avoiding Money Doesn't Mean You Are Bad With It
 [Naomi Holmes](https://www.hermoneymatters.com.au/blog/author/naomi-holmes)
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In this episode of the Her Money Matters podcast, Naomi and Helene unpack why so many women avoid money, what’s really going on underneath that avoidance, and why it has nothing to do with intelligence or being “bad with numbers.” More often than not, it’s about feeling like it is a discipline or something you 'should' do, and that very often there are so many other things happening in your life that you just don't have the emotional bandwidth to deal with it.
We explore the psychology behind money avoidance, the relationship dynamics that can reinforce it, and the subtle ways it erodes confidence over time. We talk openly about fear of getting it wrong, outsourcing financial decisions to a partner, over-researching instead of deciding, and the emotional cost of staying disengaged.
### In this episode, we cover:
- What money avoidance actually looks like in everyday life
- Why avoiding money is rarely about ability or knowledge
- The psychology underneath money avoidance and emotional safety
- Why these patterns show up more often in women
- The three most common money avoidance patterns we see
- What genuinely builds confidence with money
We finish with our Loving Kick Up the Bum, with practical tips to help you take just one small step. Confidence doesn’t come from knowing everything, it comes getting your hands dirty one little bit at a time.
[podcast](https://www.hermoneymatters.com.au/blog/tag/podcast)
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Mar 2, 2026, 12:00:00 AM
In Part Two of our Divorce, Money and Mindset series, we dive into the chapter that begins after...
[Read more](https://www.hermoneymatters.com.au/blog/42-divorce-part-2-after-the-settlement-rebuilding-your-finances-and-yourself)
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Naomi Holmes is a Corporate Authorised Representative of Alethia Partners Pty Ltd (ABN 98 676 423 117), which holds Australian Financial Services Licence (AFSL) No. 557729.
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