Latest / Rock My Finances / Decision Fatigue: Why Everything Feels So Hard Right Now

Transcript

Decision Fatigue: Why Everything Feels So Hard Right Now · Rock My Finances

• 0:00
  Speaker 1: Investment advisory and financial planning services are offered through Simplicity
• 0:03
  Speaker 1: Wealth LLC and SEC Registered Investment Advisor. SEC registration does
• 0:09
  Speaker 1: not constitute nor endoors of the firm known, does it
• 0:11
  Speaker 1: indicate that the advisor has attained a particular level of
• 0:14
  Speaker 1: skill nor ability.
• 0:16
  Speaker 2: Investing involves risk of loss.
• 0:18
  Speaker 1: Insurance, consulting and education services offered through Diamond Life Fanning
• 0:22
  Speaker 1: is a separate and unaffiliated entity from Simplicity Wealth. This
• 0:25
  Speaker 1: information is provided as a general information as not intended
• 0:28
  Speaker 1: to be specific financial guidance. Before you make any decisions
• 0:32
  Speaker 1: regarding your personal financial situation, you should consult a financial
• 0:35
  Speaker 1: or tax professional to discuss your individual circumstances and objective.
• 0:40
  Speaker 3: Welcome to the Rock My Finances show on k FORHD
• 0:43
  Speaker 3: Radio and Talk for TV, where we put the fund
• 0:46
  Speaker 3: in finance joint powerhouse Jeffer Jos CDFA CMC and Private
• 0:52
  Speaker 3: Wealth Advisor as she collaborates with you to create clarity,
• 0:56
  Speaker 3: control and companies with your money, your way. It's not
• 1:01
  Speaker 3: about the zeros. So what is it all about? Let's
• 1:03
  Speaker 3: find out.
• 1:04
  Speaker 2: Now.
• 1:05
  Speaker 3: Here's your host and weekly friend, Jennifer Jose.
• 1:10
  Speaker 2: Hello podcasters, Okay, today is going to be for you, ladies.
• 1:15
  Speaker 2: I hate to even talk about this because it happens
• 1:18
  Speaker 2: to me all the time and I'm noticing it more
• 1:20
  Speaker 2: and more. So it is decision fatigue. When and why
• 1:26
  Speaker 2: do everything feels so hard right now? And ladies, the
• 1:30
  Speaker 2: world is on our shoulders and always has been it
• 1:32
  Speaker 2: always will be. I shouldn't say that we never know,
• 1:34
  Speaker 2: but we also make it worse than what it really
• 1:37
  Speaker 2: really is, and we don't listen to the signs. So
• 1:40
  Speaker 2: today we are going to talk about this. Let me
• 1:42
  Speaker 2: ask you. I know you've done this because I've done it.
• 1:45
  Speaker 2: I think I did it last night. Do you ever
• 1:48
  Speaker 2: go to the refrigerator, open up the doors and just
• 1:51
  Speaker 2: stand there and just what do I eat? Not knowing
• 1:54
  Speaker 2: what to eat? Really nothing in there is looking appetizing,
• 1:59
  Speaker 2: you just feeling overwhelmed with even just meals. Now you
• 2:04
  Speaker 2: could have someone else that you're cooking for that even
• 2:07
  Speaker 2: makes it kind of more like you have to get
• 2:10
  Speaker 2: things done. Or you could be single like myself. And
• 2:13
  Speaker 2: you know, sometimes back in the day it used to
• 2:15
  Speaker 2: be cheese and crackers. Now like last night, I have
• 2:18
  Speaker 2: to say I had a lot of watermelon, so I
• 2:21
  Speaker 2: did have some outage. Cheese my little protein, A couple
• 2:24
  Speaker 2: of fights of that because I was loving my watermelon.
• 2:27
  Speaker 2: So sometimes we just get so overwhelmed. I mean even
• 2:31
  Speaker 2: looking at my closet, what am I going to wear today?
• 2:34
  Speaker 2: That's overwhelming. And then now I'm here in North Carolina
• 2:39
  Speaker 2: and there's like three outputs a day depending on the weather.
• 2:42
  Speaker 2: It's overwhelming. Right. You might even be putting off financial
• 2:46
  Speaker 2: decisions or even just your money date. It might be
• 2:49
  Speaker 2: on your calendar, but you're not actually doing it. You
• 2:51
  Speaker 2: could be putting off these decisions for weeks and even
• 2:54
  Speaker 2: months at a time. Do you find yourself so mentally
• 2:57
  Speaker 2: exhausted that even deciding what on Netflix or like right
• 3:02
  Speaker 2: now I'm down to Prime. You know, you got to
• 3:04
  Speaker 2: love me some Hulu any of that. It can be
• 3:07
  Speaker 2: so overwhelming and it just feels like a chore, Like
• 3:10
  Speaker 2: what am I going to watch? I love to have
• 3:13
  Speaker 2: a series that makes me feel good so that when
• 3:15
  Speaker 2: I need some downtime, I have that series that I
• 3:18
  Speaker 2: can go to. And when I don't have that series,
• 3:21
  Speaker 2: now I got to find another series. Right, So I
• 3:24
  Speaker 2: just want you to know you're not alone. First of all,
• 3:26
  Speaker 2: you're not alone, and you're not lazy, like I just
• 3:30
  Speaker 2: got tired the other day and it was like the
• 3:32
  Speaker 2: second day in a row that I was tired, and
• 3:33
  Speaker 2: I was like, I hate being tired. So I was like, okay,
• 3:36
  Speaker 2: what's wrong with you know, my coming out with the cold,
• 3:38
  Speaker 2: Like I think all the worst things, like what's going on?
• 3:41
  Speaker 2: And it's like one of my friends told me, Hey,
• 3:44
  Speaker 2: on your body, my friend Peedle and actually she's on
• 3:46
  Speaker 2: these she's on these series under Soul's sister series, and
• 3:50
  Speaker 2: she's like, on your body, You're gonna listen to your body,
• 3:52
  Speaker 2: see what's happening. And it doesn't really matter why that's
• 3:54
  Speaker 2: what your body's telling you. And I'm like, right, it
• 3:56
  Speaker 2: doesn't matter why it is what it is. I'm trying
• 3:59
  Speaker 2: to figure out. Okay, a lot of these two days
• 4:00
  Speaker 2: in a row, pick a ball back to back. You
• 4:02
  Speaker 2: know why am I so tired? Well, it could just
• 4:05
  Speaker 2: be mental fatigue making too many decisions. So you're not unmotivated,
• 4:10
  Speaker 2: because that's how I felt. Right, I'm just not motivated.
• 4:13
  Speaker 2: And you're certainly not broken, because girl, I am not broken,
• 4:17
  Speaker 2: So you may just be simply mentally overloaded. Today we're
• 4:22
  Speaker 2: going to talk about everything. Okay, number one, Part one,
• 4:26
  Speaker 2: What is decision fatigue. It happens when our brain becomes
• 4:31
  Speaker 2: exhausted from just making too many decisions. And I can
• 4:34
  Speaker 2: say that if some of those decisions are stressful, then
• 4:38
  Speaker 2: it brings up our cortisol and our anxiety. Well, that
• 4:41
  Speaker 2: even takes more mental capacity. Right, So the average person
• 4:45
  Speaker 2: makes thousands of decisions a day. I'm a business owner,
• 4:48
  Speaker 2: so I might have been making more than that. What
• 4:50
  Speaker 2: to wear, what to eat, who to call, what emails
• 4:53
  Speaker 2: to send? How do I answer my emails? What do
• 4:56
  Speaker 2: I say? What bill do I pay? Am I going
• 4:58
  Speaker 2: to buy that? Do I need to search for a
• 5:00
  Speaker 2: better deal? What to postpone? What do I say no to?
• 5:04
  Speaker 2: Whose feelings do I hurt? Right? Every women and women
• 5:07
  Speaker 2: often carry an additional burden because we think about others
• 5:12
  Speaker 2: before we make a decision. It's not just what do
• 5:14
  Speaker 2: I want what makes me feel good, which is what
• 5:16
  Speaker 2: I want all of us to be able to do,
• 5:18
  Speaker 2: but it's like, Okay, if I do this, they're going
• 5:20
  Speaker 2: to feel this, and if I do this, they're going
• 5:23
  Speaker 2: to think this. If I do this, they're going to
• 5:25
  Speaker 2: judge me and think this of me, talk about and
• 5:28
  Speaker 2: all of that is in a split second, y'all split second,
• 5:31
  Speaker 2: So making decisions for everyone else we also do right, children, partners, parents, clients, friends.
• 5:39
  Speaker 2: I mean, I just went and visited my mom yesterday.
• 5:41
  Speaker 2: I'm making big decisions for her. Am I going to
• 5:43
  Speaker 2: bring her home with me? She's ninety three, she definitely
• 5:46
  Speaker 2: needs care, and I want to maybe have her home
• 5:50
  Speaker 2: for a while. On the expenditure. I'm driving to see her,
• 5:54
  Speaker 2: which is an hour each way. I feel like she
• 5:57
  Speaker 2: could come home for a while. It might be good.
• 5:59
  Speaker 2: It would tie down my life. About how long will
• 6:00
  Speaker 2: it last? I don't know, but so many decisions right,
• 6:04
  Speaker 2: and eventually our brain says might drop on done, Like,
• 6:08
  Speaker 2: I'm not making any more decisions, and that's when the
• 6:11
  Speaker 2: simple choices becomes so taxing. So we're going to fix this,
• 6:16
  Speaker 2: you know me. I'm not just going to give you
• 6:17
  Speaker 2: a bunch of negative crap. I'm actually going to give
• 6:19
  Speaker 2: you some positive stuff on how to fix this overwhelm
• 6:21
  Speaker 2: and decision fatigue. Exercise number one, pull out your money journal,
• 6:26
  Speaker 2: the mental load audit. I know I hate that word audit, right,
• 6:30
  Speaker 2: but we're just getting clarity your mental your journal. Write
• 6:34
  Speaker 2: down every decision that you made yesterday, everything from waking
• 6:39
  Speaker 2: up to go in to sleep, You're probably going to
• 6:41
  Speaker 2: be pretty shocked. Then circle the decisions you made for
• 6:44
  Speaker 2: other people. So when I wake up immediately, I do
• 6:49
  Speaker 2: my meditations in bed, I do my thoughts, I do
• 6:52
  Speaker 2: my healing breathing exercises. Before I get a vent. I'm like, Okay,
• 6:56
  Speaker 2: what do I have my exercise class? Am I going
• 6:58
  Speaker 2: to have? Am I gonna have before exercise class? This morning?
• 7:01
  Speaker 2: I got up early, so I took a hot tib,
• 7:03
  Speaker 2: then I took a shower, then I did my belates class.
• 7:05
  Speaker 2: So all these decisions that is before seven am. Y'all
• 7:08
  Speaker 2: like that's crazy, right, But many women discover they're caring
• 7:12
  Speaker 2: way more than we realized because we just get used
• 7:15
  Speaker 2: to it. I used to do this exercise when I
• 7:18
  Speaker 2: was speaking. I loved it, which I'm going to continue
• 7:20
  Speaker 2: to do in my big speeches. Is I would walk
• 7:23
  Speaker 2: around and I'd pick up a purse from someone. Okay,
• 7:26
  Speaker 2: what's your biggest thing that is going on right now?
• 7:29
  Speaker 2: You know I'm going through a divorce. Pick up that purse.
• 7:31
  Speaker 2: Then you walk up to the next lady and ask
• 7:33
  Speaker 2: her a question, or I say, okay, the boy I
• 7:36
  Speaker 2: dated in high school that betrayed me. There's a purse.
• 7:38
  Speaker 2: Then my dad yelled at me and embarrassed me at
• 7:40
  Speaker 2: a party. There's a purse. And then I got my
• 7:42
  Speaker 2: first marriage, and then that's a purse. Another one is
• 7:45
  Speaker 2: my first divorce. Then it's my first child. Then it's
• 7:48
  Speaker 2: my car accident that hurt my neck. You know, I'm
• 7:51
  Speaker 2: walking around the room with all these purses. All this
• 7:55
  Speaker 2: stuff is mental load on our brain. So I love
• 7:59
  Speaker 2: that side of thinking about how much we actually are carrying.
• 8:03
  Speaker 2: We are carrying so much. So awareness is clarity. So
• 8:08
  Speaker 2: we want to see how many decisions we're making four
• 8:11
  Speaker 2: other people that we actually can maybe part those on
• 8:14
  Speaker 2: other people. Number two, Part number two Why women are
• 8:18
  Speaker 2: especially vulnerable. I think we kind of all know that, right.
• 8:20
  Speaker 2: We're natural caregivers. We're planners, we're problem solvers, we're fixers.
• 8:25
  Speaker 2: We remember the birthdays, we remember the anniversaries, the doctor's appointment,
• 8:29
  Speaker 2: school schedules, family gatherings. We want family gatherings, so we
• 8:34
  Speaker 2: want to participate in it. Medication refills, retirement concerns, money bills,
• 8:40
  Speaker 2: spending plans, taxes. Got to love our taxes. Our deadlines,
• 8:44
  Speaker 2: right are estimated deadlines. It's not unusual for women to
• 8:48
  Speaker 2: be managing five or ten different people's needs at one time.
• 8:52
  Speaker 2: Thank goodness, I have my son that I help out,
• 8:54
  Speaker 2: my daughter a little bit because of the wedding coming up,
• 8:57
  Speaker 2: and my mother full time. So that's well. Don't we
• 9:00
  Speaker 2: get my cat, Luna, my little little cat, because she
• 9:04
  Speaker 2: has you know, arthritis and pasthma, and so I got
• 9:06
  Speaker 2: to think of her daily as well. All of that
• 9:09
  Speaker 2: happens before I think of me. No wonder I's ticking exhausted, right,
• 9:13
  Speaker 2: No wonder why we're tired. The problem isn't weakness. I
• 9:16
  Speaker 2: am strong, I am healthy, I am strong, I'm intelligent.
• 9:21
  Speaker 2: I know I'm not weak. The problem is too much overload.
• 9:26
  Speaker 2: We were just overloaded. So exercise number two, the responsibility check.
• 9:31
  Speaker 2: Create three columns in your money journal mine shared, not mine. Okay,
• 9:37
  Speaker 2: mine things that are truly my responsibility. Okay, me, my cat,
• 9:44
  Speaker 2: my mother, Those are truly my responsibility. That is me.
• 9:48
  Speaker 2: Shared responsibility would be helping my son. He still hasn't
• 9:52
  Speaker 2: got completely on his own two feet. So shared responsibility there,
• 9:56
  Speaker 2: not mine. Things that you've accidentally adopted. It's so funny.
• 10:00
  Speaker 2: I have a friend here that we we call each
• 10:03
  Speaker 2: other bossy. You're so bossy. You're so bossy. It's hilarious.
• 10:05
  Speaker 2: We were in Blotties this morning, going, you're so wealthy,
• 10:08
  Speaker 2: you're so wealthy. And it's true because we want we
• 10:10
  Speaker 2: just automatically here a conversation or see something that we
• 10:14
  Speaker 2: think could be better, and so we want to impart
• 10:17
  Speaker 2: our solutions in our brain to that other person or
• 10:21
  Speaker 2: some stranger in the grocery store. It can be anybody,
• 10:24
  Speaker 2: but we think that we can help off something, and
• 10:29
  Speaker 2: so we just try to help. Well, that's not mine,
• 10:32
  Speaker 2: so I should not be thinking those thoughts about somebody
• 10:35
  Speaker 2: sitting over there, like, it's just not my business, not
• 10:38
  Speaker 2: my circus, not my monkeys, right, So that is the
• 10:42
  Speaker 2: one that I'm working on now is not mine. Not
• 10:45
  Speaker 2: my business. Keep my nose out of it, keep my fingers,
• 10:47
  Speaker 2: my paws, stay out of it when it's not mine.
• 10:50
  Speaker 2: I got enough film, Do I need to create anymore?
• 10:53
  Speaker 2: Of course not. So this exercise could be very freeing
• 10:57
  Speaker 2: for you. And just look at it daily. Even what
• 10:59
  Speaker 2: if I do today that I did not need to
• 11:02
  Speaker 2: do it was not mine. It actually feels pretty good
• 11:06
  Speaker 2: to step away from something when I would normally fix it.
• 11:09
  Speaker 2: Or try to solve it, or even we're thinking we're helping,
• 11:13
  Speaker 2: which we are helping, However we're overloading ourselves. And who
• 11:19
  Speaker 2: does not need more time? Just pure downtime, no thinking,
• 11:24
  Speaker 2: no thoughts, meditation, hot tub, sitting in the sun, going
• 11:28
  Speaker 2: for a walk, whatever it is, just relaxing. Okay. Part three,
• 11:32
  Speaker 2: How decision fatigue impacts money. This is where things get
• 11:36
  Speaker 2: really interesting. Decision fatigue often shows up financially. You may
• 11:40
  Speaker 2: be delaying reviewing your accounts, like I'm a financial advisor.
• 11:45
  Speaker 2: You may be delaying your annual review. I have tried
• 11:48
  Speaker 2: to get any reviews, and there's a few people that
• 11:50
  Speaker 2: just can't get on the calendar right, avoiding opening your statements.
• 11:54
  Speaker 2: You might not even know what's happening. You put off
• 11:57
  Speaker 2: a state planning, like you don't have end of life planning.
• 12:00
  Speaker 2: I don't even know what's happening in five years, ten years,
• 12:02
  Speaker 2: fifteen years, Like there's no planning there. I truly believe
• 12:05
  Speaker 2: in planning. If you don't have a plan, you're planning
• 12:08
  Speaker 2: to fail, right that good old saying. Ignoring insurance reviews.
• 12:13
  Speaker 2: We need to redo our auto insurance, home insurance, life
• 12:18
  Speaker 2: insurance annually because things change. I know, we feel like
• 12:22
  Speaker 2: we can set it, leave it, and forget it, but
• 12:24
  Speaker 2: we can't. Somehow. In my auto insurance, my medical got
• 12:30
  Speaker 2: dropped off and I used to have twenty five thousand
• 12:32
  Speaker 2: of medical and then of course I got into an
• 12:34
  Speaker 2: accident somebody hit me and I did not have that
• 12:37
  Speaker 2: twenty five thousand dollars exclusions. So all the medical bills
• 12:40
  Speaker 2: I had to pay for, which was the chiropractic many times,
• 12:43
  Speaker 2: and the deep dissue massages, deep dissue massages and all
• 12:47
  Speaker 2: of that right tissue massages like I needed that because
• 12:51
  Speaker 2: I had scar tissue. So I would have had twenty
• 12:53
  Speaker 2: five thousand dollars because it was actually about twenty five
• 12:56
  Speaker 2: thousand dollars of all of my medical But I did
• 12:58
  Speaker 2: not know that that got dropped off my auto insurance
• 13:01
  Speaker 2: plan because I trusted my agent and we didn't do
• 13:05
  Speaker 2: an annual review. So we have to do our annual
• 13:07
  Speaker 2: reviews when we continuing to pay for things that we
• 13:11
  Speaker 2: no longer use. I can tell you right now, I
• 13:13
  Speaker 2: am a huge believer in my credit card audits, all
• 13:16
  Speaker 2: my stuff on auto pay, and like annual I have
• 13:19
  Speaker 2: like so many, like sixty different things that are log
• 13:24
  Speaker 2: in and pay on a monthly basis, And I guarantee
• 13:28
  Speaker 2: you every time I look at something, there's something that's
• 13:32
  Speaker 2: on there that's not mine. I can tell you. Uber
• 13:35
  Speaker 2: it comes up a lot, Instacart comes up a lot.
• 13:38
  Speaker 2: These different things pop on my credit cards that are
• 13:41
  Speaker 2: not mine. They're great, everyone's great about it to take
• 13:43
  Speaker 2: it off, But there was a mistake made somewhere, so
• 13:46
  Speaker 2: I have to make sure I find other people's mistakes. Now.
• 13:50
  Speaker 2: Do I want to do that on a Saturday morning
• 13:52
  Speaker 2: or a Sunday night on my Monday date. No, But
• 13:54
  Speaker 2: it feels really good to find mistakes and clear them off.
• 13:58
  Speaker 2: So it's not because you don't care. Is just because
• 14:01
  Speaker 2: we're exhausted. Right, the brain begins to conserve energy on
• 14:06
  Speaker 2: its own, and it starts avoiding things. You might not
• 14:09
  Speaker 2: even realize that you're avoiding things. Exercise number three one
• 14:13
  Speaker 2: decision rule. Ask yourself, what is one financial decision that
• 14:17
  Speaker 2: you've been avoiding, Not ten, not twenty, just one one
• 14:21
  Speaker 2: financial decision you've been avoiding. Maybe even choose the smallest
• 14:25
  Speaker 2: step to get towards that decision. Maybe it's just call
• 14:29
  Speaker 2: the advisor, oho, maybe it's just jump on our calendar.
• 14:33
  Speaker 2: Maybe it's just read our emails right. Maybe it's just
• 14:36
  Speaker 2: review the statement progress reduce this stress. I promise you
• 14:41
  Speaker 2: reduce this overload. Part four, The cost of perfectionism. I
• 14:45
  Speaker 2: don't know about you recovering perfectionist right here. For sure,
• 14:48
  Speaker 2: I'm a virgo covering perfectionist. For sure. Many women struggle
• 14:52
  Speaker 2: because we believe that we must make every decision perfect,
• 14:56
  Speaker 2: a perfect investment, the perfect spending plan, fixed choice. But
• 15:01
  Speaker 2: perfection creates paralysis because then we won't make a decision.
• 15:08
  Speaker 2: I have a client that takes forever to make a decision.
• 15:10
  Speaker 2: She's a business owner as well, and it takes a
• 15:13
  Speaker 2: long time because she wants to be perfect. And I
• 15:17
  Speaker 2: have a saying that I heard from my coaches back
• 15:19
  Speaker 2: in the day. We're building a plane when we're going
• 15:22
  Speaker 2: down the runway before we take off, because we really
• 15:25
  Speaker 2: don't know what. We don't know until we get on
• 15:27
  Speaker 2: the court and we start playing. So we do not
• 15:30
  Speaker 2: want paralysis and decisions, especially if it takes too long.
• 15:34
  Speaker 2: Sometimes just making the decision. If if it's wrong, we
• 15:37
  Speaker 2: can fix it later, because you're not going to know
• 15:39
  Speaker 2: what you don't know until you're in that place. That
• 15:42
  Speaker 2: makes sense, What if instead of making the perfect decision,
• 15:45
  Speaker 2: you just focused on a good enough decision. I love
• 15:48
  Speaker 2: that good enough. I need a T shirt that says
• 15:51
  Speaker 2: I'm good enough today. Most decisions are not permanent anyways,
• 15:56
  Speaker 2: like they can always be ingested, and the goal is movement.
• 15:59
  Speaker 2: That's it, not perfection. We want to get it off
• 16:03
  Speaker 2: our plate. Exercise number four, the eighty percent rule. Ask yourself,
• 16:08
  Speaker 2: do I have enough information to make a reasonable decision.
• 16:12
  Speaker 2: If the answer is yes, move forward. Waiting for one
• 16:15
  Speaker 2: hundred percent certainty keeps people stuck. Now, I want most
• 16:18
  Speaker 2: of my people in my coaching business. I want you
• 16:21
  Speaker 2: to be a hell yes or a hell no. If
• 16:23
  Speaker 2: you are in between, we're going to keep talking and
• 16:25
  Speaker 2: we're going to have you keep getting educated and tell
• 16:28
  Speaker 2: you're a hell yes or a hell no. That might
• 16:30
  Speaker 2: take some time, but there's still movement because we're making
• 16:33
  Speaker 2: decisions just like investment planning. Right, you're not educated in that.
• 16:37
  Speaker 2: We want to get you educated in that before you
• 16:39
  Speaker 2: make a decision. And again, we can change it at
• 16:42
  Speaker 2: any time. So don't forget. It's not a decision that
• 16:45
  Speaker 2: you're making forever. It's a decision you're making four right
• 16:49
  Speaker 2: now that can be good enough. Part five. Simplify your life.
• 16:53
  Speaker 2: One of the best ways to reduce decision fatigue is
• 16:55
  Speaker 2: reducing unnecessary decisions. To think about what you can simplify.
• 17:01
  Speaker 2: Meal prep eight. I can totally simplify by meal prepping
• 17:05
  Speaker 2: on Sundays, which I love to do because I really
• 17:07
  Speaker 2: do love to cook. So I just want to cook
• 17:09
  Speaker 2: like one day though, and then I want to get
• 17:11
  Speaker 2: it all down for the week so I can easily
• 17:13
  Speaker 2: pull out different things. Wardrobe prep so when I'm doing
• 17:16
  Speaker 2: my laundry, I actually just bought these little hangars that
• 17:19
  Speaker 2: I could put outfits together on my hanger so that
• 17:21
  Speaker 2: I can grab outfits. I do that for my mom.
• 17:23
  Speaker 2: I mean, she's ninety three. I have outfits on each hanger.
• 17:26
  Speaker 2: Why can't I do that for myself? Subscriptions make them
• 17:30
  Speaker 2: automatically come, like cat litter cat food. This stuff automatically
• 17:34
  Speaker 2: comes because I'm gonna need it. Appointments, make appointments automatically coming.
• 17:39
  Speaker 2: Social obligations. Just say no or not sure, or I'll
• 17:46
  Speaker 2: let you know it's okay. The less clutter in your life,
• 17:49
  Speaker 2: the more energy you're going to have for what truly matters. Okay.
• 17:53
  Speaker 2: Exercise number five eliminate three things we're going to identify
• 17:58
  Speaker 2: this week. Three things we're gonna get rid of. One
• 18:01
  Speaker 2: commitment to to decline. Right, so, one thing that we
• 18:05
  Speaker 2: want to if someone asked us to do, we're going
• 18:07
  Speaker 2: to say no, just say no. We're going to delegate
• 18:10
  Speaker 2: one task, ask someone else to do it. And then
• 18:13
  Speaker 2: one thing we're going to stop worrying about. In order
• 18:17
  Speaker 2: to stop worrying about it, we're going to see it
• 18:20
  Speaker 2: in a positive light. That can be anything, Okay, Like
• 18:23
  Speaker 2: right now, my son's getting a root canal. This is
• 18:25
  Speaker 2: the second time he he already went to a dentist
• 18:28
  Speaker 2: and they messed up his root canols, like four of them.
• 18:30
  Speaker 2: They only I don't know even how they did it.
• 18:31
  Speaker 2: They only did halfway. So of course he has pain
• 18:34
  Speaker 2: and infection and everything. So now he's getting the second
• 18:36
  Speaker 2: root canal on one of the teeth. He's got to
• 18:38
  Speaker 2: do the other three as well. I'm going to stop
• 18:40
  Speaker 2: worrying about that because he's in the hands of a
• 18:42
  Speaker 2: good dentist. Now he's going to fix that, and I'm
• 18:44
  Speaker 2: going to let that go. I'm going to stop worrying
• 18:46
  Speaker 2: about that. My energy is very valuable. Your energy is
• 18:50
  Speaker 2: very valuable, protect it all right. Last part, part number six,
• 18:54
  Speaker 2: learning to trust yourself. Many women aren't just tired, they're
• 18:59
  Speaker 2: tired of making the wrong decisions. So maybe you've been
• 19:02
  Speaker 2: through a divorce, a loss, financial mistakes, even a betrayal,
• 19:05
  Speaker 2: a friendship betrayal, or a financial portrayal, and now decisions
• 19:09
  Speaker 2: feel very heavy. But confidence isn't built over making never
• 19:14
  Speaker 2: making mistakes. It's actually built from recovering from mistakes. It's
• 19:18
  Speaker 2: built by surviving them. So you've already had negative challenges, right,
• 19:23
  Speaker 2: that's life, right, and we've navigated through our way through that.
• 19:27
  Speaker 2: So you've actually figured things out before already. So now
• 19:30
  Speaker 2: you can trust yourself to do more than you actually think.
• 19:33
  Speaker 2: Here's your exercise number six, evidence list. Write down ten
• 19:37
  Speaker 2: things that you've already survived that were difficult. Read the list.
• 19:42
  Speaker 2: Notice how capable you really really are. And we don't
• 19:46
  Speaker 2: think that we are, but we are, okay, So that
• 19:50
  Speaker 2: is going to give you a lot of homework for
• 19:52
  Speaker 2: today I want you to give I'm going to give
• 19:54
  Speaker 2: you a final homework right here, the decision Datox challenge
• 19:59
  Speaker 2: for the next seven days. Every morning, what are the
• 20:02
  Speaker 2: three most important things I need to do today? Not ten,
• 20:06
  Speaker 2: not twenty, not one. Just ask every evening what can
• 20:10
  Speaker 2: I let go of? This simple practice help retain retrain
• 20:15
  Speaker 2: your brain to focus on what matters rather than everything
• 20:19
  Speaker 2: at once. Right like everything comes crashing forward to us.
• 20:24
  Speaker 2: So we're just gonna let go of three things. Okay ah,
• 20:28
  Speaker 2: I love this, So I don't want you to be overwhelmed.
• 20:31
  Speaker 2: You're not overwhelmed because you're incapable. Decision fatigue is not
• 20:35
  Speaker 2: a character flaw. It's a signal that you need to priorities,
• 20:38
  Speaker 2: set boundaries, ask for help, slow down, and breathe. Remember,
• 20:42
  Speaker 2: it's not about the zeros. It's about creating life with
• 20:44
  Speaker 2: more clarity and control and confidence, one decision at a time.
• 20:48
  Speaker 2: I want you all to be able to say, I
• 20:50
  Speaker 2: rock my Finances.
• 20:52
  Speaker 3: We appreciate you joining us today, and don't forget to
• 20:55
  Speaker 3: subscribe to the rock my Finances YouTube channel for more
• 20:59
  Speaker 3: engagement and bonus content. Tell me what is your money story?
• 21:03
  Speaker 3: Let's find out with Jennifer right here on K four
• 21:06
  Speaker 3: HD Radio and Talk for TV. It's not about the zero,
• 21:10
  Speaker 3: It's about the F word, feelings, feelings. Jennifer can't wait
• 21:14
  Speaker 3: to explore with you next week. Until then, let's all
• 21:18
  Speaker 3: say I rock my finances.