Interview with Jo Warwick on Glitches to Gold and Transforming Women’s Money Mindset
- 3 days ago
- 7 min read
Jo Warwick is The Money Therapist, founder of Glitches to Gold, psychotherapist, business consultant, and host of the Glitches to Gold podcast.
After decades helping others create success while experiencing her own cycles of making money, losing money, and rebuilding, Jo became fascinated by one core question: why do women have to fight so hard to be themselves, and is it possible to have money and a life that genuinely feels and looks good?
In this interview, she shares the personal story behind her work, the hidden inherited patterns driving money flow, value, and success, and why so many women who have done the work still find themselves giving 80 percent effort for 20 percent return.
Jo Warwick, The Money Therapist, Founder of Glitches to Gold
What inspired you to create Glitches to Gold and focus on the psychology of money for women?
Growing up in England, I often joke that I received a university-level education in money long before I trained professionally. Through education, elite sport, and life experience, I moved between very different worlds, from middle-class striving to inherited wealth and royalty, observing how differently people related to money, success, security, and freedom.
Training professionally as an elite rider sparked an obsession with success and failure. Later, as a psychotherapist, I became fascinated by what makes a woman successful and able to make choices that support her, yet why so often she still repeats patterns that do not serve her.
The biggest turning point came through my own life. I now understood success, human behaviour, and how to create money for other people, yet I was still experiencing difficult highs and lows around my own money that made no sense.
That frustration drove me deeper into understanding myself. I came to understand that I had inherited unconscious beliefs about money and wealth identity that carried conflicting energy. What I consciously wanted and what my unconscious system still believed was safe, available, or deserved were misaligned, which meant I kept repeating patterns despite knowing better.
Glitches to Gold evolved from that journey, and Human Design gave language to something I intuitively knew: we were born uniquely designed for our own success.
What was the moment you realised psychotherapy alone wasn't enough to help women truly shift their relationship with money, and what did that lead you to explore?
Psychotherapy changed my life, and I still believe deeply in its power. But as a professional rider training towards the Olympics, my mindset had always been focused on achieving the best outcome, the best way.
So over the years of my work as a psychotherapist, it became increasingly obvious that the greatest transformations happened when we focused on the solution rather than getting locked in endlessly analysing and understanding what had come before.
That is what led me beyond psychotherapy alone and into exploring energetics and Human Design, wanting to understand what actually creates lasting change, what shifts the pattern, and why some women are able to create transformation that truly lasts.
What are the most common unconscious money blocks high-achieving women carry, and how do they typically show up in everyday behaviour?
One of the biggest unconscious money patterns I see in women is the belief that money is not really theirs.
For generations, women were not allowed to have money, hold money, own property, or have mortgages or credit cards in their own name. That does not disappear because society changes. It gets passed down.
So what I see, particularly among high-achieving women, is not that they cannot make money. Often, they are very good at making money.
The issue is that they work incredibly hard, achieve some level of success, yet still do not get the results, wealth, or freedom that match the woman they have become, and it always comes at a greater cost.
The money comes in, but it goes back out again. They undercharge. They over-give. They work incredibly hard for very little return. They invest in everybody else before themselves.
And because money does not feel stable, they become deeply tied to their bank balance. When money is there, they feel good. When it drops, everything suddenly feels tighter, harder, smaller.
That is the glitch. Women unconsciously live by inherited rules around money that were never actually theirs to begin with.
“Too many women are giving 80% effort for 20% return — and still believing the problem is them.”
How do cultural and family narratives around money shape a woman's financial identity, often without her even realising it?
Most women do not realise how much of their relationship with money was inherited, not just from their mothers and fathers, but through generations of money stories and patterns that came long before them.
We grow up watching money long before we consciously think about it: how people speak about it, who controls it, who spends it, who gets judged for wanting it, and whether it feels safe, stressful, abundant, secretive, earned through hard work, or somehow “not for people like us.”
Some women inherit the belief that money must be earned through hard work. Others inherit guilt around having more. Some learn to overgive, others to hide success, shrink themselves, or unconsciously hand money away.
The challenge is that these stories become identity. We mistake them for personality, truth, or “just the way I am.”
Until we stop and ask: Is this actually mine? And do I actually believe this for myself?
Because often, it is not.
What does the actual process of identifying a glitch look like for a woman who thinks she's already done the inner work?
Usually, the glitch shows up in the contradiction. Money is a mirror.
A woman will often tell me she believes she is worthy of more, wants freedom, ease, or support, yet the result she is actually living tells a different story.
That is where the work starts.
I look at the numbers and the story.
What are the numbers telling us? What is the pattern saying? Not about her value or worth, but about the unconscious system she is living inside of.
Because the numbers always tell a story.
As a 4/6 Projector, psychotherapist, and now The Money Therapist, I naturally see patterns and systems to the core. I see the contradiction, the inherited rule, the unconscious pattern running underneath the result.
I am far less interested in what somebody says they believe and much more interested in the result they are actually living.
Because if the result does not match the woman she has become, there is usually a glitch beneath the surface.
How do embodiment and energetic alignment support the kind of wealth and success that actually feels sustainable, not just on paper?
I think many women have been sold two extremes. Either hustle harder and force success, or “just align” and hope everything magically lands. Neither creates sustainable success on its own.
For me, embodiment and energetic alignment are not about sitting on a cushion waiting for the universe to deliver, but about understanding the mechanics of how life works — working with the laws of the universe, your Human Design system, and aligned action to create sustainable results.
This is where Human Design became such an important part of my work. It teaches us that there is no one path to success. We are not all designed to work, lead, make decisions, or create wealth in the same way.
So much of what I see is women wasting huge amounts of life force and magnetism trying to work like somebody else — operating in ways their energetic systems were never aligned for.
For me, alignment is not passive. It must be active and flowing. Lasting wealth comes when success supports who you are, rather than costs you who you are.
Once a woman recognises her patterns, what does the shift from overworking and striving to greater ease and financial flow actually look like in practice?
Recognising the pattern is the first step. But the real shift happens when a woman begins making different choices — moving from survival, overworking, and striving into a way of living and creating that actually supports who she is.
In Human Design, we talk about this as the not-self and the SELF. For me, the power comes from having compassion for the not-self part of ourselves and reclaiming the power back from it — so it starts working for us rather than against us.
This is where the energetic work matters. When a woman starts directing her life force towards who she is, what she wants, and where she is going, her energy becomes clearer, cleaner, and more precise. Her action becomes more potent.
She starts making different choices. Her standards rise to gold. She stops living by inherited rules around money and begins creating a new relationship with it — one where money feels like hers to have, hold, keep, and receive.
And because money, life, and business are mirrors, the external reality begins reflecting the upgrade.
How has your own journey through success, money, and identity shaped your philosophy on freedom and fulfilment?
My relationship with success, money, and identity has been messy, frustrating, beautiful, and deeply human.
Freedom has always mattered to me. I never wanted my choices, lifestyle, or future to be dependent on somebody else, nor did I ever want to be controlled by anybody else. And yet, for a long time, my own relationship with money felt like it was controlling me.
I found myself undercharging, not paying myself properly, and repeating riches-to-rags cycles. Even in my first business, I paid everybody else, but I did not pay myself at all.
I became a psychotherapist because I wanted to understand myself and create a different life. Money became no different.
As a 4/6 Projector, I am designed to understand patterns deeply, live them for myself, and then teach the wisdom I have integrated. That journey completely shaped my philosophy: real freedom and fulfilment come when success no longer costs you who you are and when money supports the life you genuinely want to live.
What is the one key insight you want women to take away from Glitches to Gold about truly owning their money and their life?
The biggest thing I want women to take away from Glitches to Gold is this:
"Money is yours to have — and you are already capable of having and managing it."
For generations, women have been taught otherwise.
We get to stop putting money on a pedestal, believing it is out of reach, or chasing it as proof of worth, and instead create a healthy relationship with it — where money becomes a resource, a passport, and a supportive relationship to the standard of life we actually want.
We no longer need to keep expanding our own golden cage, preparing to be good enough for the life we desire.
Instead, we finally step out of the inherited rules and patterns (Matrix) once and for all — and into our own sovereignty and the success we have already been uniquely designed for.
You can begin today by downloading the free 20-80 Upgrade! Flip The Rules Of The Matrix For Less Effort, More Money, More Gold.
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