Why Money Never Stays,
Even When You Know Everything?
“The Guide of the Soul: Money and I” — a book about why financial problems live not in your wallet, but in your psyche. And how to change that.
The Problem Is Not That You Don’t Try Hard Enough
Knowledge Without Results
You’ve read finance books, watched budgeting videos. But money still flows out the same way it always has.
Stress → Spending → Shame
After a hard day your hand reaches for a shopping app. Relief — then immediately that familiar guilt you failed yourself again.
“There’s Never Enough”
Your income changes, but the feeling of scarcity stays. As if something inside is convinced money means anxiety, not freedom.
Inherited Money Scripts
“Money isn’t for people like us” — long-forgotten phrases that quietly drive every financial decision you make today.
Self-Worth = Bank Balance
A good month and you feel worthy. A bad month brings shame, self-criticism, and a sense of total failure.
The Same Cycle, Again
How many times have you started “from Monday”? It feels like it’s your character — but it’s not.
financial behaviour is driven by the psyche — not the rational mind.
Not Another Book
About Budgets
“Most books on money you read once and put down. This one you work through — and your relationship with money changes in the process.”
Every chapter of “The Guide of the Soul: Money and I” ends with concrete exercises — something you can do today, not someday. This is not a book to read and shelve. It is a step-by-step guide to real change: you understand why you behave a certain way with money, and you immediately get a tool to shift it.
That is what makes it fundamentally different. Other books give you knowledge. This one gives you over 50 exercises, practices, and meditations — built on neuroscience, cognitive behavioural therapy (CBT — a method of working with thoughts and beliefs), systemic constellations, and somatic approaches — all in plain language, all ready to use.
- Understand the roots of your financial patterns
- Recognise the emotional triggers behind your spending
- Work through inherited family beliefs about money
- Build healthy habits without forcing yourself
What You Will Explore in Each Chapter
Why knowledge about money doesn’t change behaviour — and what the psychosomatic nature of financial patterns really means.
Who are you when it comes to money? How self-esteem regulates financial behaviour. What financial dysmorphia is. Practice: “A Letter to Money.”
The neurobiology of emotional spending. How stress and cortisol trigger impulse purchases. Practices: mindful spending & the spending-emotions journal.
Where limiting beliefs come from. Family money messages. Reframing from “there’s never enough” to “I manage my abundance.” Working with perfectionism in financial thinking.
Systemic psychology and “family money.” How financial scenarios pass across generations. Practice: constellation work & “The Weight of the Past” ritual.
Neuroplasticity and the mechanics of change. Small steps instead of radical decisions. Financial rituals. A step-by-step plan from intention to financial action.
The acceptance paradox: accept the current situation to change it. Self-compassion vs self-criticism. Working through relapses. Daily acceptance meditation.
50+ Exercises You Can Start
Right Now
Every chapter ends with a set of concrete exercises — specific actions that shift your relationship with money immediately. Not “think about it someday” but “do it today.” Here are some of them:
And 35+ more exercises across all 6 chapters — each with a clear goal, instruction, and completion criterion.
Is This Book For You?
- ✓You feel money controls you, not the other way around
- ✓You want to understand why the same financial mistakes keep repeating
- ✓You’re tired of living in financial anxiety and self-blame
- ✓You want real tools to use — not just theory to think about
- ✓You sense family patterns influencing your finances
- ✓You’re ready to work with yourself, not just read about it
- ✗You’re looking for investment strategies and return tables
- ✗You want “10 hacks to get rich fast”
- ✗You’re not ready for an honest look at your patterns
- ✗You expect results without doing the exercises
Dmitrii Mironov is a practicing psychologist with over 10 years of experience working with individuals on the intersection of psychology, personal development, and emotional wellbeing. As Rector of IIPAD — the International Institute of Psychology and Development — he has built a professional community dedicated to evidence-based psychological education.
This book grew out of years of client work with people who knew everything about personal finance — yet kept repeating the same patterns. Because the problem was never about knowledge.
What People Say After Reading
“I read a book about money and cried. Not from sadness — from recognition. I finally understood where my endless fear of scarcity comes from.”
“The chapter on ancestral patterns flipped everything — for the first time I saw that my financial behaviour wasn’t my choices. It was someone else’s script.”
“I realised I only spend money when anxious. That single insight changed my relationship with money more than any budget ever did.”
Begin Your Journey to a Healthy Relationship with Money
PDF book. Download instantly after payment.
- ✓“The Guide of the Soul: Money and I” — full PDF
- ✓6 chapters + introduction & conclusion
- ✓50+ exercises, practices & meditations
- ✓Not just theory — concrete tools that change your life now
- ✓Instant access immediately after payment
Frequently Asked Questions
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