Psychologist · Researcher · PCC ICF Coach

How do people
talk about money
in your culture?

I study the language of money — how people across cultures perceive, remember, and speak about wealth, poverty, and financial experience. I also work with entrepreneurs to help them tell their financial story with clarity and confidence.

Participate in research → Get in touch

Anonymous study · ~15 min · Free PDF reflection

PCC ICF Certified Coach· CBT Practitioner· Psycholinguist· Financial Behaviour Researcher· Communications Expert
Natalya Pankratova — psychologist, researcher, PCC ICF coach
PCC ICF CBT Psycholinguistics Financial Behaviour Research

About

Natalya Pankratova

I am a psychologist, psycholinguist, and PCC ICF certified coach working at the intersection of language, culture, and financial behaviour. My dissertation research examines how Russian-speaking people perceive and conceptualise money, wealth, and poverty — mapping the sensory images, emotions, and narratives they unconsciously attach to economic concepts.

The next phase of this work extends the comparison to English-speaking populations, building a cross-cultural picture of how language shapes our relationship with money.

In my coaching practice I work within a CBT approach, running groups on financial behaviour and helping people examine the beliefs, rules, and family stories about money they carry without realising it.

I am also a communications expert for entrepreneurs — helping business owners and experts articulate who they are and what they do with clarity and authenticity. If you need to tell your story compellingly, that is my territory.

Research

Psycholinguistic study of financial language consciousness across English and Russian cultures.

Financial Behaviour Groups

Group work exploring the psychological roots of financial decisions — family scripts, money rules, inherited stories.

Communications for Entrepreneurs

Helping business owners tell their story clearly, build their narrative, and speak about money with confidence.

Narrative Production

If you need to tell your story well — about your work, your expertise, your relationship with money — I can help you build that narrative.

Reflective Instrument

MoneyMind Coach

A structured reflective tool for exploring your relationship with money — developed as both a research instrument and a personal development resource.

MoneyMind Coach invites you to examine what you truly think and feel about money — not through theory, but through your own memories, family stories, sensory associations, and free writing.

The instrument draws on psycholinguistic methods used in academic research. Participants consistently report that the questions surface things they had never consciously articulated before.

What you will explore:

  • Your earliest memory of money — and what it carried emotionally
  • The family story about money told most often, and what it means
  • The unspoken rules and sayings that still govern your behaviour
  • The colours, smells, and tastes you associate with wealth, poverty, and money
  • A letter to your money — and its reply

At the end you receive a personalised PDF reflection with your responses and prompts for deeper work.

Open MoneyMind Coach →

Anonymous · ~15–20 minutes · Free

What participants say

"I had never thought about what colour poverty was to me. When I wrote it down I realised it was the colour of my grandmother's kitchen."
"The letter from my money was the hardest thing I have written. And the most honest."
"I came for research data. I left with something to think about for weeks."

Academic Work

View all publications →

Questions

Frequently Asked

What is financial language consciousness?
The full system of concepts, images, emotions, and narratives through which a person — shaped by their native language and culture — perceives money, wealth, and poverty. Research here bridges psycholinguistics, social psychology, and behavioural economics.
What is MoneyMind Coach and who is it for?
A reflective research instrument for anyone curious about their relationship with money. It is also a research tool collecting anonymous narrative data for cross-cultural academic study. No financial or psychological background needed — only your own experience.
Do you work with entrepreneurs?
Yes. I work with entrepreneurs and experts as a communications specialist and financial behaviour coach — helping them articulate who they are, build authentic business narratives, and examine the beliefs about money that influence their professional decisions.
What coaching approach do you use?
I work within a CBT (Cognitive Behavioural Therapy) framework and hold a PCC credential from the International Coaching Federation (ICF). My coaching often integrates psycholinguistic tools and narrative methods.
How can I participate in the research?
Visit the MoneyMind Coach instrument on this site. Anonymous, free, 15–20 minutes. You receive a personalised PDF reflection at the end.

Get in Touch

Write to me

Research collaborations, coaching enquiries, speaking invitations, or questions about MoneyMind Coach.