Full episode with transcript and show notes: https://www.djvalerieblove.com/post/bitcoin-financial-planning-families-morgen-rochard

In this heart-to-heart, I sit down with Morgen Rochard—mom of three, founder of Origin Wealth Advisors, Bitcoiner, author, and podcast host—to explore the intersection of motherhood, money, and Bitcoin. Morgen shares how becoming a parent reshaped her business, inspired a family-first practice culture, and strengthened her approach to delegation and client service. We trace her path from Wall Street to independent wealth management and into Bitcoin—why her conviction grew gradually, how she began advising clients in 2016, and why she believes Bitcoin’s store-of-value phase naturally precedes broader medium-of-exchange adoption.

We dive into practical personal finance: saving, behavioral money scripts, family meetings, age-appropriate responsibility, and teaching kids with hands-on money experiences. Morgen unpacks planning trade-offs (homes, cars, travel) and how to design resilient retirement strategies amid volatility—planning to age 100, managing sequence-of-returns risk, and aligning decisions with values. She also previews her next book on Bitcoin personal finance and offers compassionate encouragement to overwhelmed parents: start small, keep learning, and focus on progress over perfection.

https://x.com/MorgenRochard
https://www.originwa.com/

Grab a Copy of Morgen's Book
"Personal Finance QuickStart Guide: The Simplified Beginner’s Guide to Eliminating Financial Stress, Building Wealth, and Achieving Financial Freedom (Personal Finance - QuickStart Guides)"
https://www.amazon.com/gp/product/B08LBQGWSP/

(00:00:32) Introductions, motherhood juggle, and the "octopus mama"

(00:01:56) Quality time with kids, independence, and parenting balance

(00:04:25) How motherhood reshaped business, delegation, and firm culture

(00:08:29) Leaving big banks to build a family-centered wealth practice

(00:10:08) From aspiring doctor to Austrian economics and markets

(00:13:32) Early Bitcoin exposure, safety concerns, and meeting Pierre Rochard

(00:17:02) Advising on Bitcoin: cautious conviction and client adoption

(00:20:57) Risk, Sharpe ratio, and Bitcoin’s maturation

(00:22:56) Store of value before medium of exchange; path to unit of account

(00:26:49) Taxes, circular economies, and easing people into custody

(00:32:39) Morgan’s Personal Finance Quick Start Guide and behavior

(00:36:06) Money scripts, trauma, and realistic optimization

(00:38:41) Home, nesting, and the art of financial tradeoffs

(00:41:35) Planning with volatility: sequence risk and runway in retirement

(00:47:20) Longevity assumptions: why plan to age 100 (or beyond)

(00:50:09) Lifestyle, meaning, and practical wellbeing in later life

(00:51:19) Teaching kids money: chores, responsibility, and limited screens

(01:00:40) Family finance education ideas and five-bucket frameworks

(01:05:36) Allowances, cash vs. digital, saving and charity habits

(01:11:32) Purpose, values, and planting seeds over prescriptions

(01:15:43) Encouragement for overwhelmed parents and where to find Morgan

(01:18:54) Final reflections: small steps, resources, and goodbyes

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