Episode 1: Coping with Debt and Money Stress
In this first episode of Flourishing After 50, financial educator and author Vanessa Stoykov explores the heavy toll money stress can take — not just on finances, but on mental health too. Vanessa is joined by Chelsea Pottenger, founder of EQ Minds, to unpack the story of Megan, a 54-year-old overwhelmed by debt, shame, and the aftermath of separation. Together, they discuss how to break the cycle of stress with simple, practical steps that rebuild both financial stability and emotional resilience.
Meet Megan
Megan is 54 and feels like her life has unravelled since her marriage ended. Debt has piled up, bills have gone unpaid, and the pressure has left her feeling too ashamed to ask for help. She avoids her friends and hides her struggles from her adult kids. Her biggest fear is that she’s failed — financially and emotionally.
Meet Chelsea
Chelsea Pottenger knows what it means to hit rock bottom and rebuild. As a leading mental health speaker and the founder of EQ Minds, Chelsea combines science-backed strategies with lived experience. In this episode, she helps unpack how money stress shows up in the body and mind — and how to reset in small but powerful ways.
Key Takeaways
Debt loses its power when you face it step by step
Asking for help is not weakness — it’s the first step to change.
Simple resets like breathing, walking and talking to someone you trust can calm your nervous system so you can act.
Free and confidential support is available through services like the National Debt Helpline (1800 007 007).
“Debt loses its power when you face it step by step.
“When money stress builds up, it triggers survival mode — your mind can freeze and your body reacts with panic.
“You are not alone, and you don’t have to stay stuck.
About Vanessa Stoykov
Vanessa is an international award-winning financial educator, author, and CEO of Evolution Media Group. She is on a mission to help people get real about money. With more than 25 years of experience creating financial education programs and content, Vanessa brings storytelling and practical insight together to help people make smarter money choices. https://vanessastoykov.com.au/
About Chelsea Pottenger
Chelsea is a leading authority on mental wellbeing, resilience, and performance. As the founder of EQ Minds, she has worked with organisations across the globe, inspiring individuals to reset, recharge, and thrive. Chelsea is passionate about breaking down the stigma around mental health and providing practical tools to help people flourish in work and life. https://www.linkedin.com/in/chelseapottenger/