Motherhood, Money, and Bitcoin Financial Planning: Morgen Rochard CFA
- DJ Valerie B LOVE 🩷
- 6 days ago
- 21 min read
Updated: 4 days ago
How Moms Build Financial Sovereignty
What if the reason you struggle with Bitcoin financial planning isn't math, but the hidden "scripts" you learned in childhood? I tried so many different ways to manage abundance before realizing that true wealth starts with our mindset and our families.
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✨ Key Takeaways
1. Bitcoin conviction is a journey, not a flash moment
"My 9-year path from first reading about Bitcoin to confidently advising clients on it shows that slow, methodical understanding builds real conviction — and credibility." - Morgen Rochard
2. Store of value must come before medium of exchange
Bitcoin is proving itself as a powerful store of value. It can't become everyday money until people trust it to hold value over time. That foundation is being built right now.
3. You don't need to be a tech expert to own Bitcoin
Just like you don't need to understand how your car engine works to drive it, or how electricity flows through pipes to flip on a light — you don't need to know Bitcoin's code to benefit from it safely.
4. Behavioral finance matters more than mathematical optimization
The mental money scripts, fears, and stories you inherited from childhood shape your financial life more than any spreadsheet ever will. Healing those patterns is the real leverage point.
5. Motherhood can sharpen your business and money decisions
When kids force you to get clear on what matters, you make better decisions — for your family, your clients, and your mission. Constraints create clarity.
6. Teaching kids about money early builds real financial literacy
Let them earn, spend, save, give, and yes — make mistakes — long before the stakes get high. That's how they learn genuine responsibility, not just rules.
Episode Overview
In this heart-to-heart, I sit down with Morgen Rochard—mom of three, founder of Origin Wealth Advisors, Bitcoiner, author, and podcast host—to explore the intersection of motherhood, money, and Bitcoin. Morgen shares how becoming a parent reshaped her business, inspired a family-first practice culture, and strengthened her approach to delegation and client service. We trace her path from Wall Street to independent wealth management and into Bitcoin—why her conviction grew gradually, how she began advising clients in 2016, and why she believes Bitcoin’s store-of-value phase naturally precedes broader medium-of-exchange adoption.
We dive into practical personal finance: saving, behavioral money scripts, family meetings, age-appropriate responsibility, and teaching kids with hands-on money experiences. Morgen unpacks planning trade-offs (homes, cars, travel) and how to design resilient retirement strategies amid volatility—planning to age 100, managing sequence-of-returns risk, and aligning decisions with values. She also previews her next book on Bitcoin personal finance and offers compassionate encouragement to overwhelmed parents: start small, keep learning, and focus on progress over perfection.
About Morgen Rochard, CFA
Morgen Rochard is a Chartered Financial Analyst and founder of Origin Wealth Advisors, a boutique, family-friendly wealth management firm that integrates Bitcoin into thoughtful financial planning for real families.
With over a decade of advisory experience, a deep background in Austrian economics, and three young children, she brings a rare blend of technical expertise, behavioral insight, and real-world motherhood into every client conversation.
She's also an author, podcast host, and educator on personal finance, behavioral money patterns, and Bitcoin.
Connect With Morgen:
⏱️ Episode Timestamps
(00:00:32) Introductions, motherhood juggle, and the "octopus mama"
(00:01:56) Quality time with kids, independence, and parenting balance
(00:04:25) How motherhood reshaped business, delegation, and firm culture
(00:08:29) Leaving big banks to build a family-centered wealth practice
(00:10:08) From aspiring doctor to Austrian economics and markets
(00:13:32) Early Bitcoin exposure, safety concerns, and meeting Pierre Rochard
(00:17:02) Advising on Bitcoin: cautious conviction and client adoption
(00:20:57) Risk, Sharpe ratio, and Bitcoin’s maturation
(00:22:56) Store of value before medium of exchange; path to unit of account
(00:26:49) Taxes, circular economies, and easing people into custody
(00:32:39) Morgen’s Personal Finance Quick Start Guide and behavior
(00:36:06) Money scripts, trauma, and realistic optimization
(00:38:41) Home, nesting, and the art of financial tradeoffs
(00:41:35) Planning with volatility: sequence risk and runway in retirement
(00:47:20) Longevity assumptions: why plan to age 100 (or beyond)
(00:50:09) Lifestyle, meaning, and practical wellbeing in later life
(00:51:19) Teaching kids money: chores, responsibility, and limited screens
(01:00:40) Family finance education ideas and five-bucket frameworks
(01:05:36) Allowances, cash vs. digital, saving and charity habits
(01:11:32) Purpose, values, and planting seeds over prescriptions
(01:15:43) Encouragement for overwhelmed parents and where to find Morgen
(01:18:54) Final reflections: small steps, resources, and goodbyes
🙋♀️ Common Questions About Bitcoin & Financial Planning for Moms
Do I really need to understand the technology to own Bitcoin?
No. You need to understand what problem it solves and how to store it safely. You don't need to know how your car engine works to drive it safely. Same principle. Start with the "why," learn the basic steps, and use proven tools. That's enough.
Should I keep Bitcoin on an exchange or in self-custody?
That depends on your comfort level and how much you own. An exchange is easier (especially to start), but you're trusting a third party. Self-custody (using a hardware wallet) means you truly own it — but you're responsible if you lose your keys. Many families start on an exchange, then move to self-custody over time as they learn.
How do I actually start buying Bitcoin if I'm a beginner?
First, clarify your "why": Is this long-term savings? Insurance against inflation? Part of your retirement plan? Once you know why you want it, the "how" is easier. You can: (1) Buy a Bitcoin ETF inside a normal brokerage, (2) Buy small amounts on a Bitcoin-only exchange like River or Strike, or (3) Eventually move to self-custody.
What about Bitcoin volatility? Won't I lose my shirt?
Bitcoin is volatile in the short term, yes. But volatility ≠ risk. Look at Bitcoin on a "risk-adjusted basis" — meaning return per unit of risk. Over 5+ years, Bitcoin has been increasingly stable and valuable. The bigger risk for most people is inflation risk — your dollars losing purchasing power every single year. That's a certainty. Bitcoin volatility is an opportunity to learn.
Can I actually live on Bitcoin, or is it just for investing?
Right now, Bitcoin is best used as a store of value — you hold it to protect your purchasing power. Some places accept Bitcoin as payment, but it's not mainstream yet. That's changing slowly. The good news: you don't need to spend your Bitcoin to benefit from holding it. Many of the wealthiest Bitcoin holders never spend it — they just hold it and build wealth.
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📚 Resources & Links Mentioned
Book: Personal Finance QuickStart Guide by Morgen Rochard
Concept: The "20/10 Rule" for kids (Save 20%, Give 10%)
Book Recommendation: The Soul of Money by Lynne Twist
📜 Full Episode Transcript
DJ Valerie: Hey, Aloha Love Tribe. Welcome to the show. I have somebody here with me who I think might have eight legs and tentacles. She's an octopus and she's doing things all over the place as a mother, as the founder of Origin Wealth Advisors. She's doing Bitcoin consulting. She's an author, a podcast host, and a sweet friend, and a Bitcoiner. Welcome, Morgen Rochard. How's it going, mama?
Morgen Rochard: Thank you so much for having me on. I'm so happy to be here.
DJ Valerie: Yeah, thanks again. Like we had this scheduled for a couple of months ago and I had to reschedule and so thank you for your grace with this. Uh, how's it going there, octopus mama?
Morgen Rochard: Well, it's definitely busy as usual. It's like it's always busy. I have got three young kids. My kids are seven and under. Um, so, oh my gosh, it's wild around here. I have permanent brain damage from lack of sleep, I will tell you. But you know, like they're amazing and they make it worth it, right? And so, and you know, it's really I feel like for me what's really been amazing is that I can spend a lot of really good high-quality time with my children while also still having, as you said, my many tentacles in many other places. So, I do enjoy the balance. I will say I walk a tightrope, but I do enjoy it because it gives me a little bit of everything. And thank God my business is such where I can really end the day early and spend a lot of good quality time with my kids in the afternoons.
DJ Valerie: That's amazing. I know. I think like what I learned as a mom, like the kids, they don't need two hours straight in a row with you. They need literally like a few minutes and then it depends on what age obviously, but as they get a little older, it's kind of like, "Okay, play with me for a little bit" and then, "Okay, go away." And as long as you have those focused, concentrated times with them, it seems to make a big difference in their lives. You know, I mean, kids are not dogs, but dogs are like that, too. You know, like throw the ball for them for a few minutes and then they're just like, "Okay, leave me alone now. I'm going to go lay down." Not that the kids do that, but you know what I mean.
Morgen Rochard: But they play like my kids play pretty independently, even my two-year-old. I mean other than the fact that sometimes she's doing something that's incredibly dangerous, you know, sometimes she's just happy to sit there and play. And she can sit there for 10, 15, 20 minutes sometimes just interested in what she's doing. So I feel like some of that is God-given and some of that is also just having some patience as a parent and not intervening so quickly and trying to entertain your kids all the time. I like the more children I've had, the less involved I am. And I mean that... Each one gets a little bit like "Don't play in traffic. It's fine. Just don't play under the tires." But you kind of get it right? Like with every child you become less anxious. You give them a little bit more of what they need. I feel like over time being a mom of three has made me a better mom, hands down, because I just know more and I'm actually able to be a better mom for my seven-year-old because of my two-year-old. So it's kind of a beautiful circle how that all happened.
DJ Valerie: It is. And it's one of those things... I mean I don't know about you, but motherhood completely was a like, "Oh, I didn't know it was really..." I read all the books and I did all the groups and I talked to all these people, and then once you become a mother you're like, "Oh, this is a lot more difficult than I thought it would be." It's more rewarding. It's more beautiful. It's more sacred. It's just like everything 10x, you know? And I would never trade anything for the world. That's been the best gift, being able to be a mom, and it's made me a different person in the world, right? How has being a mom impacted your career? And not just your career, but how has it impacted your ability to serve clients and to be somebody out there in the world who's in service?
Morgen Rochard: Yeah. So I started my business before I had children. My business is 11 years old now. My son is seven. So I got pregnant with my son. Basically, in my mind, I thought, "Okay, when my business turns three, like that would be a good time to now have a baby" because I like all the statistics and everything. I'm a planner. I was like, "Okay, you want to get the business running, do all the hard work to get it running, and then at year three things will be humming a little bit more. It'll be a little more stable and then have your baby." The reality is that there's actually never a good time to have a baby when you're running a business. But like there's also... it's always a good time. So I think if I had known then what I know now, then I probably would have just been like, "Whatever, just go for it." Because I feel like kids are just amazing and they change your life. I can't imagine who I would be if I didn't have them.
But on the other hand, I didn't know that prior to being a mom. And so I thought I had to align all these things and get things in place. And then what happened from there was... I knew I needed help in my business. It was either I needed help with my child or help in the business. And so I was sitting there doing the math on this and it's like, okay, I can get somebody to come and take care of my child and pay them on an after-tax basis, or I can get somebody to come help me in my business, pay them pre-tax, and then I have more time to spend with my son. And I would rather spend more time with my son, right? And start offloading some of the things that are just less important.
That was really hard for me though, honestly, to start delegating because I was doing everything. And so, it seems like such a no-brainer now, but at the time it was like, "Oh my gosh, are they going to do what I want them to do?" And thank God I was able to find someone who's actually been with me for seven years now, too. He's a Bitcoiner as well at this point. And it all worked out. Everything's great. But at the time it was a really big decision for me. I still needed some childcare obviously because I still had to be in the business, but my mom was around, my husband had some flexibility. We were able to piece together childcare in a way where it felt good to me rather than just "Okay, I'm going to dump my son at daycare and go to work." That was a hard no for me. That doesn't mean it's a hard no for everybody. It was just for me, I just couldn't do that.
And so that's basically how the evolution started in my business: "Okay, let's start offloading." I went from a part-time contractor to having Mark, who works for me now as a full-time employee. And then he was promoted to become a financial planner at my firm. Now his wife also works with us too. They have two kids. So we're a family practice. We have basically a lot of young families who have kids. Our clients generally are core families who understand that we're sort of all kind of passing the ball. They're not expecting this turnaround where as soon as they send an email, an hour later somebody's responding with gigantic research. So we have that. I think that's what's also nice about the practice is that the people who are in my practice sort of mirror what we're doing in a way, and that makes all of it work. I think if I were working at a Goldman Sachs or Morgan Stanley, it would be a completely different story and I wouldn't have the same kind of flexibility.
DJ Valerie: Well, it sounds like motherhood has helped you create your company culture and family culture, right? Because you're right, working at these big companies... I worked at Deloitte a long time ago, and it was just like being a robot. I'm like, "These are not the droids I'm looking for." But it's super important because it makes you want to keep going to do your mission and your work when you feel like, "Yay, I'm a part of this family, this team, this group of people who've got this vision to empower people through finance." How did you decide... Did you always know from a young age like "I'm good at finance, I want to teach people about money"? Or what was your aha moment?
Morgen Rochard: I think in retrospect, I should have known that. I've always been kind of obsessed with money and also like a little bit curious and nosy, you know, wanting to sort of poke my nose in people's situations. And maybe that's a fault of mine, but honestly, I've turned it into a strength. But the reality is that there was a lot of healthcare in my family, so in my mind, I always had it that I would be a doctor. Growing up I always said I was going to be a doctor. My grandfather was a doctor, my uncle was a doctor, my dad's a dentist. I thought, okay, if I'm not going to be a doctor, maybe be a dentist or work in healthcare. It actually took me a really long time to break out of that. It really wasn't until my senior year in college actually that I was like, "You know what, this is really not for me."
Along the way though, I mean, I read a lot of Ayn Rand in high school. My parents were Ross Perot voters. I didn't have the typical American upbringing from that standpoint of like "pick a side and stick to it." And after reading Ayn Rand, I started reading this guy called Garet Garrett because he writes fiction about Austrian economics. So after reading Ayn Rand, you're like, "Okay well what's next?" I read all those books. And then from there he also wrote non-fiction, and so I started reading his non-fiction. I found that really interesting and I found Ludwig von Mises after that and Murray Rothbard. And so then I started reading things on the Mises Institute's website and just started going down the Austrian economics rabbit hole.
All of that really kind of culminated in my senior year of college where I was like, "Okay, I need to do something else. I don't like what's being taught here at college." I thank God got a job getting guys coffee on the floor of the American Stock Exchange. That was kind of how I got my start. They promoted me and I did that for a couple of years. Then it was a really big decision actually for me to leave that world and go into wealth management. But I felt like just given the opportunities that were available to me at the time — it was 2010, a very different situation back then after the global financial crisis — I took a job in wealth management. I regretted it immediately. I hated who I worked for. I was at Merrill Lynch. I hated Merrill Lynch. I just was like, "Oh, this place is the worst." And then I switched teams at Merrill Lynch and then that team ended up moving to UBS. And that was pivotal for me because at that point I was like, "All these banks are the same."
At that point I was like, okay, if I want to continue down this path because I do like working with clients and I like what I do, I just don't like where I'm doing it, then that means that I have to find some sort of other alternative. And that's basically how my business was born.
DJ Valerie: And so you obviously going zero to one as a mother, right? Or just going zero to one in business. Until you're doing the thing, you don't know. And so for you, because you got your feet wet and realized, "Oh, this is the system. No matter which little institution I'm in, it's like they're part of the same... I call it the Kraken." Like this whole giant evil system is the Kraken. And so that's really brave for you, especially since it sounds like you've got a background with a lot of your family being in medicine and not necessarily entrepreneurship. How did you get into Bitcoin? Because obviously going from TradFi, wealth management, etc., that's a whole other model. And then here comes Satoshi. Hello. Throws a wrench in the whole thing. How did that work out for you?
Morgen Rochard: I saw it the first time... it was an article on the Mises Institute's website. It was a blog post. I don't remember who wrote it, but "Bitcoin is like a dollar a coin." And I thought that it was really interesting. I just couldn't figure out a way to buy it. That was sort of the weird part about it because I was like, "Okay, I can... I mean I was a single girl in New York City, I don't want to go to a street corner and do a local bitcoins thing with a dude in a hoodie." Not exactly my thing. I looked into Mt. Gox. I didn't have alarm bells ringing off — like maybe I should have, hindsight is 20/20 — but I did see that they wanted you to wire money to an account in Japan, not your own account. And my "Trady Bells" (TradFi bells) sort of were like, "Oh, I don't know about that." And so I just forgot about it.
It really wasn't until 2013 when I met my now-husband, Pierre Rochard, who on the first date was literally talking about Bitcoin. And I was like, "Oh, yeah. I remember that thing." I sort of kind of put two and two together: reserve currency, he was very passionate. A normal person probably would have been like, "Okay, next." But in my mind, I was like, "Okay, well, this is interesting. He's very passionate." And so I started looking into it too. It took me a long time, though. I'm not the kind of person that just gets struck by stuff and then goes with it.
I've used this analogy before: when there are people who are afraid of water or who don't know how to swim, you don't just throw them off the high dive. Like, I know how to swim obviously, but with Bitcoin for me, it was like, okay, I had to get comfortable. First thing was sticking my toe in (reading an article). Then getting my ankles in (my boyfriend is interested in this, maybe I'll learn about it). Then it was like, okay, I hear his podcast going on all the time. I was folding laundry one day and he was listening to a podcast called Bitcoin Uncensored. It was hilarious. After that, I was like, "Okay, I want to listen to this podcast."
So I got into the podcast. And then my business was a couple of years old and I felt like, okay, at this point I know enough actually to advise on this. So that was the turning point for me in 2016 — I actually started advising on Bitcoin in my practice. I didn't go out of my way to recommend it to people because there was not clarity at all about what you could and couldn't say. But if people brought it up, I felt comfortable and confident enough to advise. So it took many years. In 2016 I advised my first client on it. In 2017 I advised two more. In 2018 another three. And by 2020 we got pretty much almost everybody on board in my practice.
DJ Valerie: Well, and that lends so much credibility to you as a wealth advisor, especially for people who are trusting you with their life. Because obviously this is our survival — our money and our wealth. And so if you're just like, "Oh la la, this is great! Here's the next big thing!"... No. You did this beautiful layering of intelligence around it and conviction around Bitcoin. And I think for a lot of people that feels really safe and trustworthy.
Morgen Rochard: I will say though, people give financial advisors a lot of crap for not being involved in Bitcoin. But I think what you're saying really mirrors what's going on in the industry. Obviously, there are bad actors, but there are a lot of people who literally care so much about our clients and we want to do right for them. We don't want to get our clients invested or saving in things that are absolute scams or where they're going to lose their livelihood. So we're slow to move because we need to make sure it's the right thing for our client. Everyone looks at me and they're like, "Well look at you, you're in the space." But do you see how much time it took me? The advantage I have is that that time was taken many years ago.
DJ Valerie: Let's talk about global reserve currency for a second. We're seeing treasury companies popping up, companies putting it on their balance sheets. I love Michael Saylor, but when he says "I'm never selling my Bitcoin, Bitcoin is not a medium of exchange," to me that kind of goes against why Bitcoin was created as peer-to-peer electronic cash. What do you see the timeline looking like before we get to Bitcoin as a medium of exchange?
Morgen Rochard: I love that question. I think what people often miss about the medium of exchange part is that you can't have a good medium of exchange without a good store of value, right? Like, it has to prove itself that it's a good store of value in order to become a good medium of exchange. If I'm running my business and you want to spend your cash, you can't give me some "stupid coin" (shitcoin) because I don't want to take it — it's not worth anything. Whereas Bitcoin is proving itself as a good store of value over time.
I think over time it's going to become all of the properties of money. It's divisible, fungible, portable. It's a healthy medium between fiat and gold characteristics. There are many places accepting Bitcoin now, but you really have to go out of your way to live a "Bitcoin life" right now. But I do think we're headed to a place where that's going to become more popular. But the medium of exchange part is a little bit harder. And then obviously from all of that comes Unit of Account.
DJ Valerie: A lot of women are intimidated by Bitcoin. They're just like, "Well, that just seems too much for me and I just want to give the power over to the bank." How do you help people in your practice start to feel confident and comfortable with Bitcoin?
Morgen Rochard: This analogy has been used quite a lot, but you don't need to understand how your car works in order to be able to drive it. You don't need to know the mechanics of how gas is moving in a pipe to turn on your stove. So start with that as an icebreaker: you don't have to know everything about Bitcoin in order to be involved in Bitcoin. And then just touch on the things that are relevant to that particular person. Why is this important to me? What problem does this solve? That we have government money that's constantly being debased. And especially for women, we're hyper-aware of what's going on in a grocery store. We're hyper-aware of childcare costs. When we first had help for my son, I was paying like $18 an hour for a professional nanny. Right now in Austin, you pay a professional nanny between $30 to $35 an hour. Moms see that. So the problem is obvious. Just filling in why Bitcoin is a solution might be difficult, so you have to meet somebody where they're at.
DJ Valerie: Let's talk about your book, the Personal Finance QuickStart Guide.
Morgen Rochard: Yeah. It's meant to be just a comprehensive guide to all aspects of personal finance. There's a snippet in there about Bitcoin, but the book actually isn't about Bitcoin. My next book is specifically Bitcoin Personal Finance. But this guide starts with budgeting, talks about investments, and combines practical knowledge with behavioral aspects. I found that there were behavioral finance guys and financial planning guys, but not the two together. And sometimes we make really bad financial decisions because of the behavioral aspects.
DJ Valerie: Can you explain what "behavioral finance" means to the audience?
Morgen Rochard: So everyone has what's called "Money Scripts." These are things you pick up when you're a kid without even knowing it. Like "money doesn't grow on trees," or "turn off those lights, you're spending money." Or maybe you experienced financial trauma where your family lost a lot of money. Or maybe you had an uncle with an amazing lifestyle so you have a "money worship" thing. These snippets enter your brain and you operate your life thinking, "If I don't have money, I'm not worth anything." Or you have anxiety and save more than you should.
Financial planning is just math — it's what you should do if you were a machine. But humans aren't machines. If you ask me how to optimize finances, I could say: "Only eat ramen, live in a cardboard box, save 90% of your income." But that's not palatable. The book helps you look at your situation and make decisions appropriate for your life, understanding your human behaviors.
DJ Valerie: It's about trade-offs. Like the nesting instinct when pregnant versus a 25-year-old techie dude. You wouldn't give the same advice.
Morgen Rochard: Exactly. Financial planning is more of an art than a science. You present choices, run the math, and say: "Even if it's more expensive to own a home, it's more important for these XYZ reasons, so I'm going to go for it." But go for it with eyes wide open. Don't prioritize everything. If the house is important, maybe the car isn't.
DJ Valerie: Do you use AI or tools for this? Like showing people, "If I stop getting my eyelashes done for $200 a month, that's $10,000 over 4 years, which in Bitcoin terms is $40,000."
Morgen Rochard: I'm kind of old-fashioned. I don't like a lot of financial planning software because it's a "black box." I like to be able to replicate the numbers myself. If I can't explain to a client where a number came from, I don't use it. Also, Bitcoin is volatile. So in retirement, we plan how to convert things to fiat in a way that gives you a runway to live through any "sequence of returns risk" (market going down when you retire).
DJ Valerie: Do you plan beyond expected lifespan? Like to age 100?
Morgen Rochard: We plan to age 100 for everybody. It's a funny joke, but if you die early, financial planning is easy. If you live to 90 but we planned for 83, now you're in trouble. So planning to 100 makes sense.
DJ Valerie: I want to ask about kids. I'm working with an orphanage in El Salvador, trying to set these girls up with wallets. How are you helping young families with kids start to understand financial planning and Bitcoin?
Morgen Rochard: It depends on the family. But in our household, we believe you have to give kids responsibility. We live in a time where responsibility has never been more important. Kids have pressure (school, sports), but not practical responsibility. We have a system: My kids earn money through chores. At most they earn $4 a week. We pay them in fiat (cash) because young kids need to touch and feel it. We sit down every month or two and assess the piggy bank:
20% goes to Savings.
10% goes to Charity (we call it Tzedakah).
The rest is theirs.
I'm a big proponent of letting them learn the hard way. If they spend their money on a cheap toy that breaks, that's their problem. Better they learn that lesson with $4 now than later in life.
DJ Valerie: That ties into what you said about planting seeds. It's a gardening approach.
Morgen Rochard: Yes. Just keep planting the seeds along the way. You're not going to know everything, and that's okay. As long as you're trying and going up the ladder, you're doing right by your children. If you want to find me, I'm on Twitter @MorgenRochard. My practice is Origin Wealth Advisors (originwa.com). My Bitcoin consulting is moneyowners.com. My book is the Personal Finance QuickStart Guide on Amazon.
DJ Valerie: Thank you so much, Morgen. This has been incredible. Aloha, everybody!
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