EP. 38 The Crucial Link Between Mental Health + Financial Health

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Success in personal finance is much more about behavior and mindset than the numbers. Though you should know your numbers too, there is a crucial link between your mental health + your financial health. This occurs when inner self-confidence + contentment becomes more important than outward validation from peers or society in general. Mix that self-confidence with persistence and you have the formula for a successful life.


In this episode, Sami + Shang talk about:

  • Why being unapologetic about your journey is so important

  • Link between mental health + financial health

  • Why success in personal finance is much more about behavior + mindset than the numbers.

  • Mindset behind #igetto

  • How generosity or praying for others can help your own mental health

  • What to learn from the average millionaire

  • How to stay motivated during a financial journey

  • Link between inner self-confidence vs. outward validation, and how that is key to living like no one else and not having FOMO

  • Why women need financial education about budgeting + investing

Memorable Quotes:

“I was afraid that by giving I would be losing.”

”It’s not that I want you to replicate my journey…you’ve got to figure out your own joy.”

“You should treat your mental health as you would treat your physical health.”

“This too shall pass.”

“The most successful entrepreneurs are persistent.”

“If you can find inner strength and confidence in who you are, then it does not matter what anyone else thinks.”

“If you guys are doing the work and saving and investing to retire, you’re the minority and you’re going to stick out. But, it’s for a good reason.”

“Women control 80% of consumer purchases in the United States.”

“We (women) need money because money translates into power, power translates into influence, and influence into change. So, if you’re a female who wants to change the world, you’ve got to get your grasp on money.”

Resources Mentioned:

Who is our guest?


Shang achieved financial independence, with the possibility of early retirement at age 31. After realizing how much psychology and mindset are tied to financial success, she began a passion project, Save My Cents, where she coaches Americans to get out of debt and towards financial freedom. Her eventual dream is to give all her excess wealth away to others to help change lives. Shang is a graduate of Harvard College and the University of Chicago Booth School of Business. Shang currently works a day job as a management consultant and lives with her husband and two cats in NYC.

Instagram: @savemycents

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I'm the wife to my high school sweetheart, Daniel, + homeschooling momma to our 3 girls. I'm the Budgeting Coach + Motivational Speaker behind 
A Sunny Side Up Life

My family used to be in $490k of debt + living paycheck-to-paycheck, but after we hit rock bottom everything changed for us!

Now that my family has become debt free + gained financial freedom, I want to help your family do the same! My passion is inspiring women to live abundant lives through budgeting, intentional living, and positive thinking.

I offer a jump start into budgeting with my free 8-day Declutter Your Budget Challenge + full budgeting experience with my course, Your Sunny Money Method.


Come follow my day-to-day life over on my Instagram Story