Financial Emotional Intelligence

The Four Areas of Financial EQ

Financial EQ is a relatively new field because … You’re probably most familiar with the term emotional intelligence. It’s a term that became famous in the late 1990s with the author, Daniel Goleman. 

In this short video series, I am unpacking what it means to have financial … that’s my emphasis … financial emotional intelligence.

Because that’s more than just emotional intelligence. It’s the financial side of it.

So, I need to start with giving you this brief understanding of what emotional intelligence actually is and how it applies to money.

Therefore, we’re gonna talk about the four areas of emotional intelligence. Let’s just do an overview.


1st Area: Self-Awareness

The first area of emotional intelligence is called self-awareness. It’s recognizing our feelings and emotions, what they are, and how they impact us. 

Let’s take the example of somebody I worked with years ago. let’s call her Tess. Whenever Tess would get a bill, any kind of a bill, she would get anxiety, even if she had enough money in the bank to cover it. As a result, we could see that those feelings were having an impact on her and they were not making her readily available to anything else. 


2nd Area: Awareness of Others

The second area is the awareness of others. The first area is awareness of self. The second one is awareness of others. It’s being able to put ourselves in someone else’s shoes to better understand how their feelings and emotions impact them.

It’s very easy to become impatient with somebody when they’re going through something. But what would happen if you just stopped and allowed yourself to imagine what it would be like for you if you were Tess and you had anxiety every time a bill showed up. That’s what the second area is about.


3rd Area: Self-Management

The third area is the area of self-management. This is where we start unpacking … we start getting into some tools here.

Because the third area is self-management; it’s managing our feelings and emotions so we can truly feel supportive of ourselves.

What does that mean in the context of Financial EQ? 

It means that Tess can learn how to manage that anxiety when it comes up so she can be more available to herself, more available to her partner, more available to the people that she supports.


4th Area: Relationship Management

The fourth area is in relationship management. It’s about being able to develop deep, meaningful relationships with others.

Relationship management addresses how can we manage the emotions, understand what it is we are feeling, put it all together, and at the same time have our relationships grow rather than shrink from it.

That’s a brief overview of the four areas of emotional intelligence and how they apply to money. 

In the next videos, we’re going to take each one of those areas that I’ve just mentioned and we’re gonna take a dive and go a little deeper on each one, what it means to you, in particular what it means to you in the context of your finances.

Because this is about financial emotional intelligence. Not just emotional intelligence. But the financial side of it.  

If you feel like Tess on most days and you want to develop your Financial EQ, book a discovery call with me at

Furthermore, there are plenty of fantastic resources for you at



Financial Emotional Intelligence

How to Stop Going Into Debt



When it comes to debt, “How do I stop borrowing money?” is a question I’m often asked.

Oftentimes, the people asking me that question carry the following hidden belief, “It (financial situation) will get better when the economy comes back eventually.”

But if you think you’ve had to borrow money during Covid, I’ve got news for you. You had financial challenges before the pandemic. 

About household debt…

Before Covid 19, household debt was already at an all-time high. Now that we’re full swing into it, it has increased again. For example, the average Canadian now has $1.77 debt for every dollar of disposable income. 

So if you think it’s gonna get better when the economy comes back eventually, it’s not. It’s not gonna eventually get better, but I’m gonna show you how you can make it better right now.


Let’s talk about the heart of money matters.

If you keep borrowing money, what is it that made it okay for you to go into debt in the first place?

If you’re like me in the past, you’ll probably say something like, “because I thought it would make my life better.” But how does accumulating debt … the anxiety, worry, and stress about it … how does it make life better? The answer is, it does not.

Let’s go a step further. Pretend the economy gets better and you paid down what you owed. Does that mean you don’t go back into it?

Developing our financial emotional intelligence allows us to get into the heart of our money matters, such as what makes us go into debt and how to resolve that issue. Ask yourself …


What is the emotional payoff of borrowing money?

An emotional payoff is something we forego with the hope of getting something else in return.

In the context of debt, we tend to go into debt with the hope of setting ourselves free at some point.

But how does crippling ourselves financially ever makes us free?

Here are a couple of answers:

  • Could it be that we go into debt because we don’t emotionally understand how our feelings and emotional impact money?
  • Could it be that we keep borrowing money because we don’t want to examine what makes it okay in our mind to give our freedom away?
  • Maybe it’s something else all together?


One advantage of developing our Financial Emotional Intelligence (#FEQ) is that we stop going into debt because we get going into debt was never the way to set ourselves free. Being financially emotionally intelligent is the way. I have plenty of FEQ resources at


Let me show you. Book a call at




What Financial EQ Is

Bonjour! I’m launching a series of 11 short videos on what Financial Emotional Intelligence (FEQ) is. Because I really want to help you develop a great relationship with money. Stay tuned!


The Four Areas of Financial Emotional Intelligence


In this video, I’m giving you an understanding of what Financial Emotional Intelligence (FEQ) actually is. We’re gonna talk about the four areas of Emotional Intelligence. More than that, we’ll apply them to Money.

Financial Emotional Intelligence


We all want money.


Now that’s cleared up, let me ask you. Have you ever wondered for yourself, “Why am I not rich yet?”

For many of us, it can be emotionally troubling to notice how other people who seem less smart than us have more of the green stuff than we do.


What is it about someone that makes them a money magnet?


As Dov Baron wonderfully explains it in his book, Don’t Read This Unless You Want More Money, “In life you don’t get what you deserve; you get what you think you deserve.”

And what we believe we deserve is found in the Emotional Intelligence of money.


The Emotional Intelligence of money is:

  • understanding what we feel about money and why we feel that way;
  • sensing the difference between our wants and our needs, really understanding what money means to us emotionally;
  • making money decisions based on what we really want to experience.

Having said that, we all like to think that we make financial decisions rationally.

But it is our feelings that dictate the kind of financial decisions we make.

To make this clearer for you, let’s do an exercise:

Do you rationally welcome $1,000,000 in your bank account right now? Yes? Awesome!

Now, let’s pretend that you’re walking in the middle of the desert and there’s no one else around. Suddenly, you find a black duffel bag that contains $1,000,000 in unmarked bills.

What is the #1 feeling that came up for you? Be honest with yourself.

Our #1 feeling then references our beliefs and memories about money to prove us right.

What is your belief about big amounts of money?

I did this exercise with a coaching client of mine.

Smiling, they told me they rationally welcomed $1,000,000 or more!

But when I asked them what was the #1 feeling that arose from finding that money in the desert, they answered, “Panic!”, and their referenced belief was, “Mafia.”

For that client to welcome $1,000,000 in their bank account, they must turn their feeling of panic into a feeling of heartfelt gratitude, for example.

Which means they must reference more empowering feelings about money. 

With that in mind …

Here’s my Financial Emotional Intelligence strategy to help you become a money magnet:


  • Notice how you feel when you pay or receive money. Are those two feelings the same? Why not?


  • As soon as you feel your anxiety increase about money, stop. Take a deep breath. Stand straighter. Then say, “Thank you!” with a smile even if you’re not feeling it in that moment. Associating smiling with money will gradually trigger endorphins (happy hormones) when you encounter money.


  • Closely examine your dominant feeling about money. There are no new feelings. Your feelings about money were taught to you. Which also means those feelings can be unlearned.


If you need assistance in learning how to leverage positive feelings about money, book a discovery call with me at



Financial Emotional Intelligence

How to Overcome Financial Shame



Financial shame can take many forms. In this article, we discuss how financial shame is often attached to a job we don’t like, but we keep “for the money.”

What is shame costing you?

When Jane (name changed) first came to see me, she said, “I can’t go on like this anymore! I’m so unhappy! I’m sorry I didn’t contact you sooner. I was too ashamed.”

Though Jane’s behaviour might seem strange to you, she was expressing her despair and her desire to find a sustainable solution to her problems.

Why do we keep hanging onto shame?

It was very obvious the young woman was at the end of her rope. As I watched her clinging to the cushion on her tummy for dear life, I asked, “Why did you wait so long before coming to see me?”

With tears rolling down her cheeks, she replied, “Because I thought I could figure it out on my own. But things just got worse and worse.”

Where does financial shame come from?

Asked about her current job, Jane said she hated what she did for a living. She is not alone.

“Why do you keep a job you hate?” I asked.

“Because it’s stability of income,” Jane replied on autopilot.

And who gave you the idea that stability of income is associated with a job you hate?

Jane looked at me with her mouth open. In a low voice, she answered, “My mom. My mom thinks it’s better if I have a steady paycheque even if I hate what I do for a living.

So, how can we overcome financial shame?


Here are three Financial Emotional Intelligence (FEQ) strategies  to assist anyone who wants to overcome financial shame associated to a job they might dislike:

  • Ask yourself, “What did I love to do as a child?” Many children love to draw, paint, ride their bikes, fly a kite, etc. Write down all the things you loved to do as a child.


  • After you’ve done that strategy, ask yourself, “If I could turn what I loved to do as a child into a passion, what would it be?” Without judgment, ink all the possibilities you can think of.


  • Pick one possibility and research it. Is there a market for it? If there is, what would the next step be to turn that possibility into a reality?


  • Take that step. Align what you love with what you do for a living.

And if you need help in formulating and implementing an action plan that aligns what you love with what you do, let me know. I specialize in executing strategic plans for homes and businesses. You can book a call with me at

As for Jane, she has been my clients for years. She quit her job and started a business where she is doing what she loves and making a magnificent difference in many people’s lives. Interestingly, her physical products resolve the shame many people feel.


Financial Emotional Intelligence

How to Fix A Financial Emotional Leak


We experience a financial emotional leak the moment we allow our emotions to negatively affect our finances.

Allow me to explain with the following analogy.

Recently, I bought a townhouse which I really liked. But my attitude the moment I experienced my first water leak in the basement.

Panicking, I called the first plumbing company I saw. A novice plumber came, fixed the leak, and charged me hundreds of dollars for the repair.

Two months later, I experienced my second water leak in the basement. Feeling frustrated, I called the same plumbing company.  A more experienced plumber was dispatched. He charged me hundreds of dollars for the repair.

A few months later, I experienced my third water leak in the basement. It was then that I realized I needed an expert plumber.

Where do leaks come from?

The expert plumber asked me a lot of questions. He genuinely wanted to understand my water leaking history.

After listening intently, he calmly stated that we needed to break through my sealed basement ceiling because we needed to examine the water pipes configuration.

I looked at him with anxious eyes as he precisely started cutting small holes in the basement ceiling. In each hole, he shined a light.

Before long, we found out that the house builder had run the hot and cold water pipes side by side between two structural beams, which caused the pipes to condensate, crack, and leak their content.

The expert plumber saved me tons of money, trouble, damage to my property, and so much more. He was well worth his fee.

How do we fix a financial emotional leak?

Based on the analogy I just gave you, I believe the solution to a financial emotional leak is to call a financial emotional intelligence expert who can compassionately show us how our emotions affect our finances, so we can learn how to enjoy money and make more of it..

Let’s face it …

When we’ve spent years wrapped up in limiting beliefs about money, it can seem impossible to unto the condensation (sweat) and cracking (stress) that comes from feeling the pressure of poor financial decisions (mind’s pipe configuration). Hence, why a financial emotional intelligence expert is needed.

With this in mind …

I am an Emotional Intelligence Coach, Finance economist, and Chartered Financial Analyst. And I have an expert mentor who has decades of experience in Financial Emotional Intelligence. As a result, I stopped leaking money all over the place and I started thriving emotionally and financially simultaneously.

You can book a discovery call with me at https://financialeq/coach/contact-us/



Financial Emotional Intelligence

The Most Common Mistake With A Customer


Thinking we know exactly what our customer needs is a recipe for poor sales, and here is why:

The case of the birthday gift.

Think of a time when someone you know had a birthday fast approaching, and they knew in their heart and mind what they wanted to receive as a gift.

They had thought about it long and hard and knew in their heart that they wanted that gift more than anything else. Lo and behold, they were that clear.

One day, they walk up to their loved one and declared with great enthusiasm, “I know exactly what I want for my birthday!”

Looking up from the newspaper they were reading at the kitchen table, the other person casually replies, “Oh! You do? What is it?”

The soon-to-be birthday king/queen excitedly shares what they want as a gift, and then wait to receive what they asked for.

Imagine their surprise when the other person puts down their newspaper and solemnly declares, “No, you don’t need that. Choose something else.” 

Have you ever been in a situation where someone assumed they knew exactly what you needed?


If that has ever happened to you, how did you feel in that moment?

I have been in that situation multiple times in the past, and it sucked.

Thinking that we know exactly what our customer needs is a recipe for poor sales.


Don’t believe me? Here’s further proof:

According to Marketing Donut, a marketing think tank based in the United Kingdom, “Anyone who believes they can go into a sales situation armed with ‘101 sure fire sales closes’ and make sales is seriously misinformed – and about 20 years behind the times. Professional sales people get to know their prospects; understand their issues; solve their prospect’s problems; and provide irrefutable proof. They build relationships and trust by engaging in ongoing dialogue.”

Therefore …

To discover what our customer needs, we need to build a moment of RAPPORT.


A moment of rapport happens when both parties drop down their guard and emotionally relate to what the other person is conveying.

An emotionally intelligent salesperson understands this. They get that … we bond over our needs. What this means is, we buy things for the feeling we want to experience with that thing.

If we can get our customer to share the feeling they want to experience from buying a product and we connect that feeling with our product, THAT’S A SALE!


To avoid making the common mistake of thinking you know exactly what your customer needs, here’s my Financial Emotional Intelligence strategy to help you close more sales:

  • Become genuinely curious. Never assume anything. The most powerful question I ask my clients as the Financial Emotional Intelligence coach is, “What does that mean to you?” Every time a customer shares something with you, ask that question because it will lead you and your customer to discover what feeling they want to experience by buying a certain product. Then your job, as the great salesperson that you are, is to connect that feeling with your product. And the only way that’s going to happen is if you have the Financial Emotional Intelligence to get your customer to emotionally open up to you.

In light of this …

What do you believe is your greatest challenge?

I trust you have found value in this article. To learn how to better emotionally connect with your customers, contact me at


Financial Emotional Intelligence

How to Get to The Sale Multiple Times



We all get anxious from time to time.

When Paul (name changed) first came to see me, he walked into my office and chose a seat far away from me. He sat with his back up against the chair and his hands firmly crossed in his lap.

“How are you?” I asked.

“Good,” he simply said.

I offered him a warm cup of tea. He declined the offer and anxiously looked at his watch.

Wanting to build rapport, I shared with him how awkward I felt the first time I walked into the office of someone I didn’t know. Paul smiled and his eyes twinkled. Laughing, he said he knew the feeling. We shared a good laugh, and he leaned forward.

To get to the sale multiple times, we must be genuinely curious to discover another. 

Wanting to know him better, I started asking simple questions, such as “Where are you from?” and “Where’s your family now?”

Upon hearing the word family, Paul clasped his hands tighter together. It seemed that family was a touchy subject for him.

“What’s one thing your family values?” I inquired.

With a tight smile, Paul replied that his family was very much about money.

“What does that mean to you?” is a great question to ask to build rapport.

Wanting to better understand Paul’s relationship with his family, I asked, “What does that mean to you when you say that your family is very much about the money?”

Paul told me that, in his family, success was very much determined by how much money each family member had in their bank account. Can you relate? (If you can, you might want to better understand the emotional intelligence of money.)

I empathized. “I’m sorry to hear that. I get it. I grew up in a family where money was tied to self-worth. The more money we made, the more successful we apparently were. What a bunch of horse crap!”

Paul laughed at hearty laugh. I seized the opportunity to ask, “Now, how can I assist you?”

He cleared his throat and told me that he had been married for many years, that he and his wife were trying to have a baby, but it wasn’t working. The in-vitro trials were proving very hard emotionally on him and his wife.

Furthermore, because every in-vitro attempt cost thousands of dollars, Paul was feeling the financial pressure of both starting a family and living up to the financial standards of his family.

Validating another’s feelings is also essential to get to the sale multiple times.

I watched Paul as his shoulders slumped forward. Can you imagine what it feels like to try to meet everybody’s expectations emotionally and financially?

I validated Paul’s feelings and got him to talk more about the stuff that was troubling him.

As a result of feeling heard and understood, Paul became my client and we coached weekly together for a whole year.


To help you get to the sale multiple times, here are four (4) rock solid Financial Emotional Intelligence strategies:

  • Give your client your undivided attention. When building rapport, refrain from shuffling papers, picking up a call, or thinking about dinner. Stop focusing on the outside world and give your undivided attention to your client. When we feel genuinely seen and heard, we most likely want to share what makes us happy and might be troubling our heart.


  • Validate your client’s feelings. Recognize your client’s feelings without judgment, and then add one more sentence that validates specifically what they just said.


  • Take nothing personal. Remain genuinely open to discover your client, what they want and what they need. Ask emotionally intelligent questions.


  • Show compassion. Take the time to feel what it’s like to walk in their shoes. Feel their pain points and also partake in their moments of joys. Offer solutions that fulfills their needs.


Now imagine that somebody has just read these tips…

What do you believe will be their greatest challenge?

My name is Anne Beaulieu and I am the Financial Emotional Intelligence (FEQ) Coach assisting you in getting to the sale multiple times. You can book a discovery call with me at


Financial Emotional Intelligence

Five Myths About Creativity In Business



I once met with a prospect who believed creativity never made anyone a lot of money. That person was of the opinion that all artists are either starving or incapable of running a successful business.

What’s your take on creativity? Can we be creative and earn great amounts of money with it?

Keeping your answer with mind…


Here are five myths about creativity in business:


Myth #1: Only singers and painters are born with creativity? 

Wanting to determine who were the best creators nationally and internationally, researchers asked Chinese and German undergraduates to answer their questions. The results were:

  • Chinese students mostly nominated politicians, scientists, and inventors, but rarely nominated artists.
  • German undergraduates mostly nominated philosophers, artists, and writers, but rarely nominated politicians.

Why didn’t business people make their list? Could it be that business people tend to downplay their own creativity?


Myth #2: Highly intellectual people are never creative in business?

In their report, the US National Library of Medicine determined that “Creativity is a concept of individual differences. Apparently, some people have higher potential to provide new solutions to old problems than others.

For example, business people like Elon Musk and Dov Baron both seem to possess this ability to provide new solutions to old problems.

Since these people are highly seasoned business people well-known for their creativity, would their name ever cross your mind as being creatives?

Phil pointed out to me that “anything creative is a risky business.” Can a creative person build a financially sound business?


Myth #3: Risk-aversiveness and creativity never marry well?

Since a risk-averse person is often considered to be someone who prefers the option with the lower risk, would you consider sex education a risky business?

As a matter of fact, some people might refrain from investing in the sex education business because of their risk-aversion beliefs.

But let me ask you …

Have you ever heard of Laci Green? She is a YouTube sensation who offers advice on everything from hookup culture to bedroom sadomasochism.

Laci’s videos have gathered over 122 million views, according to ‘The 30 Most Influential People on The Internet.

Who would have known that this young woman was only 26 at the time?

It seems that creative young people (often labelled a risk) can be hugely successful in business.


Myth #4: Creativity in business never pays well?

Here are 10 creative jobs that pay surprisingly well:

  • Embalmer (average $44,000 a year)
  • Hot Dog Vendor (average $30,000-$100,000 a year)
  • Personal Shopper (average $25,000-$100,000+ a year)
  • Ice Cream Taster (average $56,000 a year)
  • Virtual Head Hunter (average $250-$10,000 per referral)
  • Funeral Service Manager (average $80,000 a year)
  • Body Part Model (average $20-$1,000+ for an afternoon)
  • Live Mannequin (average up to $100 an hour)
  • Genetic Counsellor (average $56,000 a year)
  • Cruise Ship Entertainer (average $3,000-$4,500 a month, plus room and board)


Myth 5: Creativity is an individual process only?

Based on NewsCred Insights,  here are two of the most creative content marketing agencies around:

  • BuzzFeed, widely acknowledged for sponsored content and quiz-taking formats.
  •  Grey Group, widely acknowledged for identifying and leveraging larger societal trends and pushing boundaries.


As a recap, here are 5 ways you are already creative in business and did not know it:

You have the ability to:

  • believe you are creative
  • provide new solutions to old problems
  • spot ‘risk-averseness’ content and turn it into a gold mine
  • see all the ways you are already being creative in business
  • be part of a business team that has the ability to see the big picture


The prospect thanked me for offering a fresh perspective.

But isn’t it creativity in business about offering a fresh perspective?


My name is Anne Beaulieu and I am the Financial Emotional Intelligence Coach who assist entrepreneurs in tapping into their creativity to maximize revenues.

You can book a discovery call with me at