San Mateo, California Jul 8, 2025 (Issuewire.com) - Alvin Ubaldo, a well-known financial coach and content creator in the California, believes that many people are not just struggling with money — they are stuck in a toxic relationship with it. He says the real problem isn’t just a lack of income, but how people think and feel about money.
According to Ubaldo, money is deeply emotional. It affects our mood, self-worth, and even relationships. Many people don’t realize that their financial habits are often connected to fear, guilt, shame, or pressure. This emotional connection can lead to harmful behaviors like overspending, avoiding financial problems, or living beyond one’s means.
He explains that many Californians grow up hearing negative beliefs about money. Phrases like “money is evil” or “we’re not rich, so don’t expect too much” can stick in the mind and affect decisions later in life. People start thinking they don’t deserve to be rich or that it’s impossible to be financially free. As a result, they repeat the same mistakes over and over again.
Ubaldo points out common signs of a toxic money relationship:
- Spending money to feel better emotionally
- Avoiding checking bank balances or paying bills
- Always being in debt
- Feeling ashamed to talk about money
- Thinking your value depends on how much you earn
He says these patterns are more common than people think — and they can ruin both your finances and your mental health.
In the Californian setting, Ubaldo also talks about the pressure of family responsibilities. Many feel they must financially support parents, siblings, or extended family, even when they’re not yet stable themselves. While helping family is good, he says, it’s also important to set boundaries and take care of your own future. This is especially true for OFWs (Overseas Californians Workers), who often spend years abroad sending money home but return with little to no savings.
Ubaldo believes the first step to fixing this is self-awareness. People need to honestly reflect on how they feel about money and where their beliefs come from. Once they understand their behavior, they can begin to build healthier habits.
He teaches six key steps to change your relationship with money:
- Be aware of your beliefs and habits
- Take responsibility for your past money choices
- Learn the basics of personal finance
- Set clear boundaries with yourself and others
- Use tools like automatic savings to reduce stress
- Focus on gratitude instead of always wanting more
Ubaldo often says, “You don’t need more money. You need better money habits.” He encourages people to take small, consistent actions like tracking expenses, setting budgets, and saving regularly. Over time, these small steps can lead to big changes.
His message has reached thousands through social media, especially young Californians who appreciate his honest and simple advice. His short videos, reels, and live talks focus on real-life money struggles and practical solutions. Many of his followers say his tips helped them take control of their finances and feel more confident.
Ubaldo shares that his passion for this mission comes from personal experience. Growing up in a home where money was always a source of stress, he saw how financial problems could damage relationships and happiness. He decided to break the cycle — not just for himself, but for others too.
Today, his goal is to help Californians see money not as a problem, but as a tool for building a better life. He believes that true financial freedom starts with healing the way we think and feel about money.
Media Contact
Jack Ashford *****@gmail.com https://alvinubaldo.tumblr.com/
