• Address: Agoura Hills, CA 91301 (map)
• Date Posted: 11/06/09

I have a masters in Psychology with a speciality in Financial Therapy.

What is Financial Therapy?
Financial therapy deals with financial problems related to subconscious behavior. Financial therapy is a process of evaluating and reprogramming one’s money related habits so that an individual can move from self defeating behaviors and attitudes to ones which help him/her thrive.

Common Counseling Issues:
Overspending: State of spending more than one can afford and feeling out of control Debtors Anonymous http://www.debtorsanonymous.org/help/signs.htm has a useful tool to see if you fall into this category.

Underspending: A mental state in which one feels as if he/she doesn't deserve anything more than having basic needs met

Serial Borrowing: Rolling over debt; often times the individual pays small amounts toward an old loan as a new loan is taken out

Financial Infidelity: A process of "cheating" on a partner by spending and lying about it or not mentioning significant purchases

Workaholism: An addiction to work, not necessarily because one enjoys it but because one feels compelled to continue. This usually leads to neglect of family and friends.

Financial Incest: Father/son psychologists Ted Klontz and Brad Klontz coined the term "financial incest" to describe situations in which children are used by adults to bear unreasonable, age-inappropriate responsibility for financial situations. An example is a mother relying heavily on her 12 year old son to help make family financial decisions.

Financial Enabling: A process by which a person recognizes that a negative financial circumstance is occurring on a regular basis and yet inadvertently assists that individual in such a way that detrimental behavior continues. For example, a father continues to provide large sums of money to his financially strapped adult daughter who is then not motivated to support herself.

Hoarding: A symptom of obsessive-compulsive disorder (OCD). Frost and Hartl (1996) provide the following defining features: the acquisition of and failure to discard a large number of possessions that appear to be useless or of limited value; living spaces sufficiently cluttered so as to preclude activities for which those spaces were designed; significant distress or impairment in functioning caused by the hoarding; reluctance or inability to return borrowed items; as boundaries blur, impulsive acquisitiveness could sometimes lead to kleptomania or stealing.

If you can identify with one or several of these issues, please contact me for a complimentary consultation.

I can be reached at marina.edelman@gmail.com or 818.635.5191.


“Change occurs when one becomes what one is, not when one tries to become what one is not." ~ Arnold R. Beisser

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