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Why Menopause Wrecks Your Finances (and What No One Talks About)

If you’ve ever felt like everything – especially your finances – has been flipped on its head during this transition, you’re not alone. The reality is, menopause is about so much more than hot flushes and night sweats. The hormonal chaos can quietly shake the foundations of your working life, your income, and your future financial security.

It’s time to talk about what no one else is really saying – menopause can wreck your finances. And no, it’s not your fault.

It's Not Just the Hormones – It's Everything That Comes With Them

While the physical symptoms of menopause get a lot of airtime, it’s the emotional and cognitive side-effects that can do the most damage to your earning potential. Brain fog, memory lapses, lack of confidence, low self-esteem – all of these can mess with your ability to function at work or go after new opportunities.

And let’s be honest – if you’re constantly forgetting things, second-guessing yourself, and feeling like a shell of your former self, you’re not going to leap into that promotion or ask for that raise, are you?

So, instead, you step back. You scale down. You say no to things you’d once have jumped at – not because you can’t do them, but because you’re too exhausted to fight for your seat at the table.

A Slow Financial Decline You Didn't See Coming

Here’s how it creeps in:

• You say no to higher-paying roles because your energy is tanked and your confidence has disappeared.

• You spend more on “quick fixes” – vitamins, supplements, gym memberships, all in the hope of feeling better fast.

• You ignore your financial situation, telling yourself things will pick up again when you “get through this phase”.

The problem is, ignoring the impact won’t make it go away.

It’s not laziness. It’s not a lack of motivation. It’s the hormonal shit show dragging your emotions, energy and logic out the door while it packs up and leaves. And when that happens, your finances take a hit.

Burnout, Shame, and Feeling Left Behind

When you're running on empty, showing up in a world designed for people who aren’t going through a hormone-fuelled identity crisis is exhausting. You start comparing yourself to your younger colleagues who have energy to burn – and you feel ashamed for not keeping up.

You think it’s just you. That somehow you’ve failed.

But here’s the truth: this is happening to millions of women – but hardly anyone is talking about it.

You Are Not Broken. You're Transforming.

This isn’t about pushing harder or just “trying a bit more”. That whole “just push through” mindset is rooted in a masculine way of working. For those of us going through menopause, it doesn’t work. In fact, it can make things worse.

Yes, you're capable. Yes, you're experienced. But the way forward might need to look different now.

This is a chapter of transformation, not decline. Your energy may be lower. Your tolerance for crap may be non-existent. But your wisdom? Your skills? Your value? They haven’t gone anywhere.

So let’s shift the narrative.

It's Time to Reconnect, Reset and Rebuild

You don’t have to start from scratch – you’ve already got years of experience behind you. It’s about doing things differently now. Slower, maybe. With more intention. But still powerful.

💡 Start by reconnecting with what matters to you.
💡 Build your confidence by acknowledging the skills you’ve gained, not the energy you’ve lost.
💡 Know that you can still achieve – you just get to do it in a way that honours who you are now.

And yes, that includes financial recovery too.

Whether that looks like:

• Starting something new that works around your energy levels,

• Creating multiple income streams,

• Or finding opportunities that fit you, rather than the other way around...

There is another way.

Let’s Talk About Financial Reawakening

This isn’t about going back – it’s about moving forward differently. A reset. A reawakening.

You don’t have to pretend you’re 30. You don’t have to hustle like you're 25. You do have to start building something that fits the woman you are now – wise, capable, and ready for her next chapter.

So if this is where you're at – overwhelmed, financially stretched, and wondering if there's another way – then take a breath. You're not failing. You're shifting. You're evolving.

And you don’t have to figure it all out alone.

Let’s Chat...

✨ You’re not broken. You’re becoming.

Continuation of Your Menopause Success Journey:

So there you have it—hot flashes, cold cash, and everything in between. If you want to dive deeper into these topics, join me in my Facebook group Menopause Midlife and all the ****. We’re a supportive community of women going through the same thing, and we’re here to help each other through it. The menopause journey is a continuum. From perimenopause and on through into postmenopause, having people who understand and support you is essential. It's not the end of your life's journey; it's a phase, and having the right community can make all the difference.

I make it my mission to support women with their transition along the menopause journey and to signpost to the best financial opportunities for their circumstances. To talk further please use this link to book a call and discuss further support.

If you would like to join a supportive community, please drop me a line here. I love hearing from midlife women going through the menopausal transition.

Pssst, you can also check out my Menopause Midlife and all the ****. It includes monthly strategies and a community of women at the same life stage as you.

Click here to take a look at our membership to make every day just that little bit easier.

For More on This Topic Try Here:

Menopause & Your Pension: Hidden Risks You Must Know

Your Menopause Self-Mastery Checklist:

Here is a quick checklist for you to think about when taking back control and getting back on track during your menopause transition.

• Embrace self-care during menopause

• Develop resilience through menopause

• Goal-set to thrive through menopause

• Join a supportive community Menopause Midlife and all the ****

• Nurture healthy relationships during menopause

• Leverage emotional intelligence for menopause well-being

• Self-reflect and monitor personal growth throughout your menopausal transition.