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EP: 041 Breaking Generational Money Habits w/ Matt Morizio

EP: 041 Breaking Generational Money Habits w/ Matt Morizio

This week on the Modern Financial Wellness podcast, I sat down with Matt Morizio, founder of Reconstructing Wealth—a financial advisor with a distinctive focus not just on dollars and cents, but on truly reconstructing our relationships with money.

Matt and I have known each other for about eight years, and it’s been fascinating to watch his journey from a rookie advisor to the founder of his own firm. He’s not only a seasoned financial professional but also a father of seven, a husband of 15 years, and someone who has walked through intense personal and financial challenges. Matt’s passion lies in being a “chain breaker”—resetting the generational money narrative and helping others do the same.

Key Takeaways:

  1. Your Relationship with Money Is Inherited—But Not Irrevocable:
    Matt’s story highlights how our earliest experiences shape how we think, feel, and act around money. But with awareness and intention, we can “break the chains” and start a new narrative for future generations.
  2. Scarcity Versus Abundance Mindset:
    Growing up with financial fear can drive lifelong habits of hoarding and scarcity. Learning to see money as a tool, rather than an object of fear or idolization, is crucial—and sometimes, that transformation comes from acts of generosity, not just earning more.
  3. Giving Is a Game Changer:
    Matt’s practice of disciplined, intentional giving—even when finances were tight—was the catalyst that rewired his mentality and emotional relationship with money. Through giving, he moved out of fear and into a more abundant, peaceful mindset.
  4. Emotional Intelligence Is as Important as Technical Knowledge in Financial Planning:
    Clients rarely come to an advisor for “money mindset work.” Yet, guiding clients to reflect on their values, money stories, and priorities often has a bigger impact than any stock pick or tax strategy. Sometimes, permission and empathetic guidance are what people need most.
  5. Live Your Values, Not Just Your Numbers:
    The best financial plan is one that supports a meaningful life—not just a big bank account. Matt’s approach is about marrying technical planning with what matters most to each individual: family, purpose, generosity, or unique life goals.

You can watch the full video of our conversation on YouTube here:

You can also find the audio versions on places like Spotify, Apple Podcasts and wherever else you listen to your favorite podcasts.

Make sure to check out Matt's work below:

READ + LISTEN + LEARN:

FIND MATT@: