If you came over to my place for margaritas on the porch along with chips and salsa, of course, we could sit and talk openly and honestly about our fears when it comes to money.
The biggest blocks I see in people who are on the cusp of deciding to dig out of a financial mess is the fear of being “not smart enough”. It shows up in a LOT of different (some not so obvious) ways. Of course, there is the “I’m not you, Roxanne” excuse. To which I say, thank goodness! It took me way longer to figure this money stuff out than it will you, promise. Another block or mindset is the “when I make more money I can begin.” Is there really some magical income level or time to begin? Not really. Some begin in high school and then there are those of us who began….let’s just say in our later years! Don’t let fear or those false beliefs stop you from your future dreams.
For instance, my single dad client with a 3 yr old decided he wanted a better future for himself and his son. Within 6 weeks of working with him, he made the final payment on his student loan and became debt free. Next, he increased his emergency fund from $1200 to $8000 with a goal to have 6 months of expenses saved. He set an intention, told me his “why” and then proceeded to work the process even in the midst of the 2020 crazies!
Behind almost, every “not smart enough” statement is a struggle that breaks my heart. Oh trust me, I know it intimately. It’s simply a lack of belief at a time when we’re the most battle weary. I struggled with this inner mindset constantly when I first started digging out of the financial mess I was in. There were some days!! And you know what? I decided to stare my, “not enoughness” down, learning and doing despite the doubt.
You don’t become the person or change the situation with a snap of a finger. You get to that point when you scream, “I’ve had it” and “I want more”. You start building or re-building one step at a time. What I’m building lets me tie my passion into guiding you to get out of debt, learn to be intentional, continue enjoying a margarita or mocha and gain security and confidence with your money.
Never stop believing in yourself! Never stop building!