Katja Windheim

I am a Clinical Psychologist and founder of The Money Psychologist, where I explore the emotional, relational, and wider systemic influences that shape how we think, feel and behave around money.

My work is particularly focused on money in professional life. I support self-employed helping professionals to develop a more confident and empowered relationship with money, so they can make financial decisions that reflect their values while protecting their wellbeing and the sustainability of their practice. Through online workshops and small coaching groups, I help professionals understand the deeper patterns and structural influences that can affect areas such as fee-setting, financial boundaries, cancellations, valuing their work and pursuing financial goals. A further strand of my work considers the role of money in clinical practice, exploring how it can enter the therapeutic relationship and how practitioners can work with it thoughtfully and confidently.

I also speak and write about the psychology of money more broadly. I am interested in why money can be so difficult to talk about, how our financial behaviour is shaped by family, culture, identity and systems, and why practical financial knowledge alone is often not enough to create lasting change. My work brings psychological insight to conversations about money, work, professional identity, relationships, wellbeing and financial decision-making.

I bring two decades of experience as a clinical psychologist across NHS and private settings, alongside a Doctorate in Clinical Psychology and a Master’s degree in Research Methods in Psychology. My clinical background includes trauma-focused and relational approaches, helping people understand and shift deeply rooted emotional patterns. I have also taught at university level, trained and supervised other professionals, contributed to research, consulted with organisations, and developed psychological services.

I am available for podcasts, speaking engagements, media contributions, articles, expert commentary and collaborations. I can contribute to conversations on the psychology of money, money and professional identity, emotional barriers to financial decision-making, financial boundaries in helping professions, the hidden costs of undervaluing work, and the relationship between financial wellbeing and sustainable, ethical practice.