What do you do when a client’s financial struggles are tied to addiction?

In this episode, Cody brings a real question from a listener about coaching a client who had been making strong financial progress—only to suddenly fall backwards due to substance addiction. What follows is a deeper conversation about how to respond when the issue goes beyond money.

Maria shares insight from her background in substance abuse counseling, unpacking how addiction impacts both income and spending, and why progress can quickly reverse when underlying behaviors aren’t addressed.

They also talk through one of the most important things for coaches to understand: where your role begins—and where it should stop. From the stages of change to the importance of accountability, this episode helps you support your client without stepping outside your lane.

If you’ve ever had a client where the challenge felt bigger than money, this conversation will give you a clearer framework for how to move forward.

🎧 Resources & Links Mentioned in This Episode

If you’re a financial coach—or working toward it—here are a few ways we can support you:

🚨 Start with The Financial Coaches Network
This is our private community where coaches connect, ask questions, and grow together:
👉 www.patreon.com/NewMoneyHabitsFinancialCoaches

🔥 Want a clear path to build your coaching business?
Check out Getting Started as a Financial Coach:
👉 www.newmoneyhabits.com/coaches/webinar/gsfc-registration

🤝 Prefer something free to start?
Join our Facebook group and connect with other coaches:
👉 www.facebook.com/groups/nmhcoaches

📞 Want to talk it through with us?
Schedule a call here:
👉 www.newmoneyhabits.com/coaches/fcpodcast_contact

🙋 Have a question for the podcast?
Email us at: podcast@newmoneyhabits.com

🎵 Music by Summer School