Money Is Emotional

On this episode of Money Is Emotional, Christine Luken speaks with Juliana Uto, investor, startup advisor, and founder of Wealth Bravery, about developing the skills and judgment needed to become a better steward of wealth.

Christine and Juliana discuss:

Financial knowledge isn’t the same as investor judgment.

How women can develop investment confidence?

Risk tolerance is learned through experience.

Understanding the role your investments play in your overall wealth strategy.

The emotional transformation that happens when you take ownership of your financial future.

Why your net worth doesn’t necessarily determine your financial freedom.



Connect with Christine Luken:

Join my free community, Spiritual Women Building Wealth: https://bit.ly/SWBWfbgroup

Book a Money Power Hour with Christine: https://bit.ly/MoneyPowerHr

Join the waitlist for the next round of The Merchant Priestess Path: https://7-pillars-llc.kit.com/mpwaitlist

Subscribe to the Merchant Priestess Substack to get early access to my next book: https://christineluken.substack.com/



Connect with Juliana Uto:

Website:  www.wealthbravery.com

Instagram: https://instagram.com/juliana_uto

LinkedIn: https://linkedin.com/in/julianauto

Facebook: https://www.facebook.com/juliana.uto



About Juliana Uto:

For nearly two decades, Juliana was a senior leader at a global oil and gas major — evaluating assets, making strategic investment decisions at a corporate level, and operating in environments where capital decisions carried real consequence. All while quietly building her own multi-seven-figure portfolio from the inside out.

When her daughter was born, she knew she wanted to be present — not traveling internationally for someone else’s balance sheet. She left at forty. Not because she had to — because she’d built the architecture to make it possible. The optionality to stay or go, to work or not, wasn’t something she stumbled into at sixty-five. It was something she designed for, intentionally, long before she needed it.

Then she built Wealth Bravery to give other high-earning women the same framework: the capital allocator’s lens, the private markets access, and the clarity that changes how you see everything you’re building.

On this episode of the Money Is Emotional podcast, host Christine Luken challenges common stereotypes about trust fund and “nepo” babies while exploring the realities of inheritance, family businesses and generational wealth. Christine argues that criticizing people who inherit wealth while hoping to create wealth for your own family sends conflicting messages about your financial goals.

Christine discusses:

Why you need to rethink negative assumptions about inherited wealth?

Being a “nepo baby” isn’t as easy as it looks.

Family businesses require preparation, not entitlement.

Why trust fund babies are relatively uncommon?

Money and inheritance are deeply emotional.

Resources:

Schedule your Money Power Hour: https://bit.ly/MoneyPowerHr

Join me in my free Facebook Group, Spiritual Women Building Wealth: https://bit.ly/SWBWfbgroup

Get your copy of Money is Emotional: Prevent Your Heart from Hijacking Your Wallet: https://amzn.to/4w4GHbx

Follow and subscribe to the Merchant Priestess on Substack: https://substack.com/@christineluken

In this deeply personal episode of the Money Is Emotional Podcast, host Christine Luken welcomes her friend Nicole Olsthoorn for an honest conversation about a misunderstanding that could have ended their friendship but instead made it stronger. Rather than avoiding conflict, both women chose curiosity, accountability, and open communication, demonstrating what emotionally mature friendships can look like.

Christine and Nicole discuss:

How to settle misunderstandings with grace and emotional maturity.

Taking responsibility for your own emotions rather than making others responsible for them.

Why healthy female friendships are not defined by the absence of conflict?

Recognizing that emotional triggers often point to unresolved experiences from the past.

Repairing relationships through honest, respectful conversations instead of gossip, avoidance or resentment.



Connect with Christine Luken:

Join the Wealthy Woman Book Club®

Subscribe to the Merchant Priestess Substack to get early access to my next book

Connect with Christine Luken for financial coaching

Book: The Untethered Soul by Michael Singer



Connect with Nicole Olsthoorn:

Website: Nicole Olsthoorn

Substack: The Celtic Goddess with Nicole Olsthoorn

Facebook: Nicole Olsthoorn

Podcast: Speaking Goddess with Nicole Olsthoorn

Linkedin: Nicole Olsthoorn



About my guest:

Nicole Olsthoorn (aka The Celtic Goddess) is a high priestess, a seer and channel, and an expert in creating sacred spaces. She uses her spiritual gifts to guide ambitious soul-led female founders and leading ladies in the reclamation of their feminine intuition, power, and leadership through online and in-person rites, rituals, and ceremonies that elevate and transform instantly. Nicole believes that women are the catalyst for the evolution of humanity, and that the world isn’t collapsing — she is emerging.

On this episode of the Money is Emotional podcast, host Christine Luken sits down with Certified Divorce Financial Analyst and Author, Melissa Murphy Pavone, author of Divorce by Design, to discuss how people can navigate divorce with greater clarity, intention, and financial confidence.

Melissa shares how her mother’s difficult divorce inspired her career in divorce financial planning after witnessing the long-term consequences of emotional financial decisions. She explains that divorce is not just a legal process but one of the largest financial transactions most people will ever experience, making it essential to have both emotional and financial support throughout the journey.

Christine and Melissa discuss:

What drew Melissa to specialize in divorce financial planning?

The difference between “Divorce by Default” and “Divorce by Design”

The biggest financial mistakes people make during the divorce process.

How working with a team like financial professional, attorneys and mediators can lead to better outcomes.

Helping clients shift from survival mode into actually planning and feeling hopeful about their financial future.



Connect with Christine Luken:

Join the Wealthy Woman Book Club®

Financial Dignity® After Divorce book

Connect with Christine Luken for financial coaching



Connect with Melissa Murphy Pavone:

Website:  Mindful Divorce Partners

Book: Divorce by Design book  

Instagram: mindfuldivorcepartners

TikTok: @mindfuldivorcepartners  

LinkedIn: Melissa Murphy Pavone

Podcast Appearances 

About my guest

Melissa Murphy Pavone is a highly respected financial expert specializing in collaborative divorce.

As both a Certified Financial Planner (CFP®) and Certified Divorce Financial Analyst (CDFA®), Melissa offers a unique blend of expertise that empowers individuals to make informed financial decisions during one of life’s most challenging transitions.

Her passion for collaborative divorce stems from her commitment to helping couples navigate divorce in a constructive, non-adversarial way. Melissa works closely with family law attorneys, mediators, and mental health professionals to provide a holistic approach to divorce that focuses on fairness and long-term financial security for all parties involved.

So often, we believe that if we could just make more money, hit a certain number, or achieve a particular level of success, then we’d finally feel secure, fulfilled, and at peace. But what happens when you get there? What happens when you’ve won the money game, and yet you’re still asking bigger questions about purpose, identity, freedom, relationships, and legacy?

On this episode of Money is Emotional podcast, host Christine Luken is joined by Moa Diseborn, the founder of Studio Molodi, a private world for people who have achieved significant financial success and are exploring what comes next.

She works with discreetly wealthy entrepreneurs, investors, and visionaries who want more than external success—they want a life that feels rich from the inside out. Her philosophy is simple: when money is no longer the main problem, the real work begins.

Moa is known as “The Secret Millionaire’s Best Friend,” and on this episode we’re diving into the journey from getting rich to living richly.

Christine and Moa discuss:

The biggest surprises people discover when they arrive at the level of wealth they once dreamed about.

The difference between getting rich and living richly.

Why many wealthy individuals go out of their way to downplay their wealth?

How someone’s identity evolves as they accumulate wealth?

How wealthy people maintain authentic relationships while creating healthy boundaries around their time, energy and resources.



Resources:

Alex Hormozi & Tony Robbins Interview on Purpose & Money



Connect with Christine Luken:

The Merchant Priestess Path

Becoming the Benefactor Course

Connect with Christine Luken for financial coaching

Join the Wealthy Woman Book Club®



Connect with Moa Diseborn:

Website: Studio Molodi

Instagram: studio_molodi



About Moa Diseborn:

Moa Diseborn is a behavioural scientist and coach who has spent more than a decade working with people navigating wealth, life transitions and the invisible challenges that often come with external success.

Her work sits in the space between identity, values, direction and lived design. Clients come to her not for more information, but for a clearer way forward.