Know Your Money with Bronwyn Waner and Craig Finch
Know Your Money with Bronwyn Waner and Craig Finch
157. Flourish Blueprint explained - How Your First Money Memory Shapes Every Rand You Touch
Ever feel like more than one voice is making your money choices? We dive into a simple but powerful idea: your financial life is shaped by internal parts—the spender who wants joy, the saver who wants safety, the earner who chases security, and specialised roles like the workhorse that ties worth to output or the proud one that resists help. By naming these voices and giving each a role, you turn inner conflict into a practical plan.
We unpack how the flourish blueprint maps these parts to a wheel of wealth so every rand has a purpose. You’ll hear how a dominant workhorse can lead to burnout and lopsided plans, and why the proud part can push people to blow windfalls because receiving feels uncomfortable. We share a windfall protocol for bonuses, inheritances, and unexpected gains that channels money into long-term investments, near-term goals, security buffers, and guilt-free fun. You’ll learn how a tiny “joy budget” prevents blowouts, why automation protects your future self, and how boundaries at work help the earner without sacrificing family.
To find your default script, we ask one revealing question: what is your first money memory? Whether your early imprint was spending, saving, or earning, that story still guides your wallet today. We show how to balance all three so you enjoy life now, protect tomorrow, and earn with purpose. The goal is not to silence any voice but to create a steady rhythm where each part speaks and is heard. If you’re ready to turn money stress into a clear plan that fits your whole life, you’ll leave with steps you can use today.
If this resonated, follow the show, share it with a friend who’s navigating a bonus or windfall, and leave a review with your first money memory—we’d love to hear which voice is loudest for you.
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www.growthfp.co.za
Hello everybody, welcome to Know Your Money. I'm Bronwyn Wayner.
SPEAKER_00:And I'm Craig Finch, and we are from Growth Financial Planning. We hope you enjoy our podcast. Welcome everybody. We're continuing our discussion with Bron here on the flourish blueprint and the steps in place and maybe the next way of discussing the program, Bron, is we all have different parts of ourselves. So you were chatting about that in one of the first episodes, and just explain that a little bit in depth. What do you mean by that?
SPEAKER_01:Okay, so I suppose I can start with do you personally have more than one money voice in your head?
SPEAKER_00:Uh me, yes.
SPEAKER_01:Yes. Like what are some of the voices that you can say?
SPEAKER_00:So uh spend uh uh uh by by nature uh that's my nature, and I but I'm aware that don't spend because what about the future? So I must save. So there's there's this conflict in my head. Go and spend it, but hold on, hold on. What about the future?
SPEAKER_01:Okay, and any other black voices that come up?
SPEAKER_00:Also give. I mean, you must help people, it's always there. Um those are three that I can think of.
SPEAKER_01:Awesome.
SPEAKER_00:Yeah.
SPEAKER_01:So one of the things I do in the process is I try and have a conversation with clients just to understand what are those voices, what are those parts, and which ones are screaming and taking over the show, and which ones don't have a voice at all. So often when a client comes in and talks, they will say, I need help with my budgets, I'm just spending. And then I try and have a conversation and say, Okay, do you have a retirement annuity? What do you have? And sometimes that that that voice doesn't even feature because there is no retirement annuity or version planning, like you were saying, um, about saving. So I've come up with a terminology called internal financial parts, and it links to the wheel of wealth, and I believe that every single spoke on that wheel of wealth has three kinds of voices, and the one is like the overshouter. So let's say, for example, I get a client in and all he does is work, he never sees his family, he never does anything. That part I've named the workhorse. So that kind of person over-identifies with work, often burns out, and they often believe that their worth is linked to their wealth. So it's not to say that that part's wrong, but it's running the show and it's not giving the other parts of him a chance to go, okay, but let's save some of this money so that we don't always have to work and we can be with our wife and family. But now, if your worth is linked to work and not family, you're always gonna carry on working. So just that awareness of how do you find your worth at home and in those other areas would be one of the things where we would help that part not be so loud and the other ones come about. Then there's also, so that's the excessive. Then there is the one that you know doesn't want to make a noise, doesn't want to shout out. And for example, receiving gifts from others. That's the proud one. They reject gifts, they reject supports. Um, if a windfall of wealth comes in, they just blow it all because they're actually not worthy of it type of thing. Absolutely. And I don't know if you've seen that, I think you referred once to a client that I think they won the lottery or something. And um yeah, do you want to explain that?
SPEAKER_00:No, I just think it's it's an it's around the world. People win the lottery within the year, I think it is they've blown it. Yeah. Because it's you know they don't feel w worthy of it. So you should allocate that that windfall into all these areas of your life, all these buckets, all these versions of of who you are. So I mean it's in pr yeah, somebody wins a lot, I must firstly do the flourish blueprint. Yeah, well exactly. I mean, because the chance you win the lottery never gonna happen. So the the the point is that as you say, they're not worthy of it and it'll go quickly, you know. So but it doesn't have to be the lotter. You could have an inheritance come to you, you must go to a financial plan and make sure it gets allocated in the right places so that you don't blow it the next day or within the year.
SPEAKER_01:And it's just to understand that these parts will scream louder when certain versions of you are around, and some of them won't talk at all. So the process is just about you don't necessarily look at this document with me, but I I just try and help you see the different parts of you that are around so important, and how to actually acknowledge all of them and give them all a voice. Like when a person gets a bonus, and me included, my spender part is thriving the moment that comes in. And I internally have to say, okay, well, how do we let you have a say and have a little bit? But there's also these other versions of Bronwyn and Bronwyn's family that needs to be looked after. So take your part and you know get your little kick out of being able to spend, but save some, put some towards retirement and put some towards giving. That doesn't easily happen if you don't understand the voices in your head and understand the different parts. So I don't know if that explains it. Do you have No it does?
SPEAKER_00:I was thinking that's important on the journey that when you you do the flourish blueprint, that that's part of the journey. Understand it because people, it's hidden. You don't realise that you maybe are just a spender, and that's all that workhorse is another great example of of people who just do work, or what about the other voices in your head that don't have a chance. So, Braun, that's an amazing way of covering.
SPEAKER_01:And just one one more thing to try and unpack if you are listening, what your main voice is, is the question I generally ask first is what is your first memory of money? And whatever that memory is generally sort of goes into three areas it's spending, saving, or earning. And if your first memory is one of those, you most likely that. So a person that just wants to earn, a person that just wants to save, and a person that just wants to spend. I feel like society thinks that spenders are bad, but I want to change that. Savers are also bad because they don't enjoy life, they don't they don't do things that this version of them needs now. Earners don't get to see all their family. We're supposed to be all of them all the time in balance, and that's the point of the process.
SPEAKER_00:So as you're listening, try and think of your first money memory.
SPEAKER_01:Awesome.
SPEAKER_00:Thank you.
SPEAKER_01:Thanks so much. Bye.
SPEAKER_00:Thank you for listening. If you have enjoyed this podcast, would like to subscribe, please visit our website www.growth.fp.co.za. The information we have provided in this podcast is our personal opinion. For more detailed information, please discuss your financial situation with a financial planner.