How To Be Happier, Not Just Wealthier

With Chris Budd | Expert on The Relationship Between Money and Happiness | Author |


In this chat, Chris discusses why feeling good about money matters and how we can rethink what success means when it comes to our finances. He shares his own journey to feeling financially secure and why having a sense of purpose is key to finding joy. Chris challenges the idea that setting specific money goals is always the best approach and introduces his four pillars of financial well-being: understanding what’s true for everyone, what’s true for you personally, what holds us all back from feeling happy, and what’s stopping you individually from feeling happy. He also talks about how giving yourself permission to be happy is crucial, the benefits of financial coaching, and how money can be a tool for living a meaningful life. Plus, he gives us a sneak peek into his upcoming project, the Financial Well-being Pulse, which aims to shift the focus of financial advice from just dollars and cents to overall well-being.


Chris Budd founded Ovation Finance Ltd, a financial planning practice, in 2000. In 2018, he sold a majority stake to an Employee Ownership Trust (EOT).

Chris now provides coaching and consultancy to owners and employees seeking to grow and develop. He authored “The Eternal Business,” published by Harriman House in September 2018, and leads The Eternal Business Consultancy, offering advice and assistance to businesses aiming for long-term sustainability beyond the current owners.

Chris is a qualified business coach (Advanced Diploma in Coaching And Mentoring from the European Mentoring And Coaching Council), an author of novels and “The Financial Wellbeing Book,” and the founder of the Institute for Financial Wellbeing.

He hosts the Financial Wellbeing podcast and is a seasoned speaker, addressing topics such as coaching skills for professionals, financial well-being, and employee ownership.


  • Financial well-being is about finding happiness and purpose, not just accumulating wealth.
  • Goals should be seen as steps towards purpose and happiness, not as the ultimate objective.
  • Success should be redefined to focus on personal fulfillment and making a positive impact.
  • Knowing oneself and challenging assumptions is crucial for achieving financial well-being. Take the time to understand what truly makes you happy and permit yourself to pursue it.
  • Money should be seen as a tool to support a happy and meaningful life, rather than the sole source of happiness.
  • Financial advice should prioritize clients’ well-being and focus on their lives, rather than solely on investment portfolios.
  • Retail therapy and impulsive spending may provide short-term happiness, but developing healthier spending habits can lead to greater long-term well-being.
  • Building a happy and healthy relationship with money involves being kind, compassionate, and mindful of one’s values and priorities.
  • Music experiences can be powerful sources of joy and can teach us valuable lessons about presence, connection, and the pursuit of happiness.


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