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Is there Hidden Trauma Behind Your Money Decisions? · Rock My Finances

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Speaker 3: Welcome to the Rock My Finances show on k FORHD
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Speaker 3: Radio and Talk for TV, where we put the fund
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Speaker 3: in finance. Join Powerhouse Jennifer josp CDFA CMC and private
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Speaker 3: wealth advisor as she collaborates with you to create clarity,
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Speaker 3: control and companies with your money, your way. It's not
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Speaker 3: about the zeros, So what is it all about? Let's
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Speaker 3: find out. Now Here's your host and weekly friend, Jennifer Jose.
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Speaker 2: Hey, y'all, welcome back. I'm so glad you're sticking with
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Speaker 2: me on this. I really am hoping your life's going
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Speaker 2: differently better, changing for the better. Of course, because we've
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Speaker 2: got lots of information on this podcast, We've got lots
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Speaker 2: of different episodes. I'm glad you're here. Today might be
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Speaker 2: a little bit of a scary one for you, but
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Speaker 2: please stick it out. I promise you. I promise you
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Speaker 2: you'll feel good in the end. The hidden trauma behind
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Speaker 2: your money decision. I know we just think money's money,
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Speaker 2: it's numbers, it's math, It controls us, it is what
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Speaker 2: it is. But I can tell you that we are
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Speaker 2: making decisions based on our past experiences and if you've
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Speaker 2: ever experienced trauma, and I know there's a lot of
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Speaker 2: people that don't relate to that word, but let's just
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Speaker 2: say chaos or dysfunction. I think that's ninety percent of
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Speaker 2: the country, right, But you might not think it's you.
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Speaker 2: So hang on and maybe you recognize somebody in this episode.
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Speaker 2: Have you ever wondered why two people can have the
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Speaker 2: exact same income, the exact same financial advice maybe from
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Speaker 2: the same financial person, and completely different financial outcomes. I
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Speaker 2: mean it's kind of interesting, right, And sometimes some people
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Speaker 2: aren't even like the best of people as what we
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Speaker 2: think right there maybe might might not be kind. Like
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Speaker 2: we just don't know. So one person invests confidently while
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Speaker 2: the other person keeps in a savings account. One person
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Speaker 2: freely spends no problem, while the other person feels like
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Speaker 2: guilty buying like a cup coffee. Basically, one asks for
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Speaker 2: a raise while the other one believes they really just
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Speaker 2: don't deserve one. So we often assume the difference is
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Speaker 2: financial knowledge. And that's what you know, all the media
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Speaker 2: and everything out there would like us to believe is
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Speaker 2: that we don't know enough. They want to keep us scared,
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Speaker 2: and they want to keep us insecure around money. I
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Speaker 2: don't believe that my clients are extremely empowered and extremely
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Speaker 2: confident and do they absolutely need me. I mean they
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Speaker 2: could say not necessarily, but or and they want me
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Speaker 2: to help them make these financial decisions for the rest
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Speaker 2: of their life. So yes, we can absolutely be powered
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Speaker 2: around it. But years of coaching to people around money,
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Speaker 2: I've learned that it's usually way deeper than just knowing
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Speaker 2: what a way to return is, what a standard deviation is.
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Speaker 2: You know what we're to invest, how to invest all
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Speaker 2: that money is emotional. Yes it is. Sorry, So before
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Speaker 2: we've ever learned to balance a check book? Remember that
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Speaker 2: in school, did you guys ever have to write a book?
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Speaker 2: I had to write a check. I had to learn
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Speaker 2: how to write a check. That's it. That's all I learned.
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Speaker 2: And way before we learned about what the stock market is,
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Speaker 2: or investing, or how to create a spending plan. I
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Speaker 2: don't call it a budget because that's restrictive. I create
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Speaker 2: spending plans for my clients. So we were already learning
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Speaker 2: something far more powerful. We were learning what money actually means. So,
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Speaker 2: as children, we absorb messages without even realizing it. We
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Speaker 2: watch our parents. We listen to conversations, and we notice stress.
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Speaker 2: We notice energy, We notice anger and frustration. We notice
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Speaker 2: silent right, my mom would get mad and just be silent.
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Speaker 2: We notice withdrawing, We notice arguments, We notice fear. Those
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Speaker 2: experiences become the foundation of our relationships and our relationships
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Speaker 2: with money. Did you know you have a relationship with money? Yeah,
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Speaker 2: you do, and you should get out your money journal
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Speaker 2: right now. Maybe you grew up hearing we can't afford
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Speaker 2: that money doesn't grow on trees every day. You might
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Speaker 2: hear something even if our family eventually became very successful
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Speaker 2: and a part that you may even still believe there's
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Speaker 2: never enough because of these foundation statements that we grew
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Speaker 2: up hearing. Maybe your parents argued every time money came
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Speaker 2: up or spending came up. Today, you avoid conversations because
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Speaker 2: somewhere deep inside you, you've connected money with arguments or conflict.
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Speaker 2: Maybe you put in your little child body that your
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Speaker 2: parents divorced over money. That might not even be true,
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Speaker 2: but that is in your body, so that means that's
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Speaker 2: part of your money story and that's helping you create
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Speaker 2: decisions today. Maybe one of your parents controlled all the
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Speaker 2: finances as an adult, and either you avoid money because
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Speaker 2: it completely feels overwhelming, or you feel the need to
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Speaker 2: control every dollar because that's what safety looked like. Maybe
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Speaker 2: your family suddenly lost a job, a business failure, or
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Speaker 2: even a divorce, and even decades later, you might be
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Speaker 2: struggling with who do I trust? How if I build something,
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Speaker 2: it's not going to disappear, So you might not even
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Speaker 2: trust your spouse or your financial advisor, or not even
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Speaker 2: have one. Maybe money was used to manipulate, reward, punish control.
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Speaker 2: Now I did that when my dad would screw up completely.
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Speaker 2: My mom would go buy me stuff, not expensive things
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Speaker 2: because we were always frug but it would be like
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Speaker 2: a sweater or a sweatshirt or a jacket or something.
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Speaker 2: I even got a leather coat one time, so that
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Speaker 2: was rewarding me for my dad's bad behavior. Like, how
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Speaker 2: does that even make sense? Right? If that's what you experienced,
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Speaker 2: it's understandable that money today feels very emotionally charged. And
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Speaker 2: rather than just simply chuo plus two as four or
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Speaker 2: what you make, what you spend, the rest is yours
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Speaker 2: to save, it's not as easy as that. So this
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Speaker 2: is what I want you to hear. These experiences are
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Speaker 2: not your fault. They're not. They're actually experiences that are
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Speaker 2: locked inside your subconscious, your muscle memory, in your body.
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Speaker 2: So it's our work to figure this out. It's not
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Speaker 2: your fault, and they still may be influencing your money
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Speaker 2: decisions today. Many of us are making adult decisions with
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Speaker 2: beliefs formed as an eight year old. Like there's this
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Speaker 2: one story that we've talked to this little boy and
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Speaker 2: or a man now, right, Because I do money coaching
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Speaker 2: as well, so I take people through their childhoods and
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Speaker 2: who influenced them growing up and all that. There's this
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Speaker 2: one client that said that he always loved to live
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Speaker 2: by water. He always had to live by water, and
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Speaker 2: he was always being able to see water coming out
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Speaker 2: through his living room window. He was always thinking that
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Speaker 2: owning a boat brought wealth. So we tracked that back
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Speaker 2: and what it was was he wanted a red bike,
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Speaker 2: and his mom would always say, we have to wait
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Speaker 2: till your dad's ship comes in. So he would always
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Speaker 2: sit out the living room window and look at the
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Speaker 2: water and wait for ships to arrive because he thought
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Speaker 2: that would bring money to buy his red bike. He
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Speaker 2: had no idea that that thought was locked in his
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Speaker 2: brand as a subconscious thought that money equals boats equal money.
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Speaker 2: Isn't that interesting? I find that so interesting. He was
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Speaker 2: amazing business owner, actually doubled his income after he coached
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Speaker 2: with me for a little while. But you know, can't
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Speaker 2: guarantee any of that, so don't even think about it. Okay,
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Speaker 2: Your brain is actually trying to protect you, so we
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Speaker 2: know exactly what we should do when we're in a
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Speaker 2: struggle because our emotions are pulling us in different directions
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Speaker 2: and we get we get confused, right, But our brain's
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Speaker 2: just trying to protect us. It remembers the pain from childhood,
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Speaker 2: so it doesn't want you to go back to that pain.
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Speaker 2: The problem is our brains cannot distinguish between what happened
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Speaker 2: years ago and what's happening today. It also can't distinguish
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Speaker 2: between a thought that we had years ago and the
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Speaker 2: actual thing. Because wait, your dad's ship come in. That
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Speaker 2: thought was money comes in on bot That was a
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Speaker 2: thought that the child created that he kept into adulthood.
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Speaker 2: When actuality that just meant we're waiting for his dad's
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Speaker 2: big check or a big commission check, or a big
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Speaker 2: job or whatever it might be. Right, So thoughts are
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Speaker 2: not always accurate, but they create our reality. If you
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Speaker 2: grew up in uncertainty, your brain may still seek certain
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Speaker 2: at all costs. It wants to feel safe. Right. If
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Speaker 2: you grew up with scarcity, you know, money doesn't grow
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Speaker 2: on trees, you know all that stuff, your brain may
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Speaker 2: still believe there's never enough. So I have some clients
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Speaker 2: that believe that if somebody else is making money, they
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Speaker 2: cannot make the same amount of money, so they actually
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Speaker 2: resent wealthy people. So then their brain starts making up
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Speaker 2: that wealthy people are all bad. Then they start making
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Speaker 2: up that everyone's greedy and out for themselves, and then
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Speaker 2: they'll never make money in their life. These people either
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Speaker 2: you know, become just proud of themselves for not making money.
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Speaker 2: So and it's really just not about that. Those are
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Speaker 2: childhood childhood thoughts that created the circumstance they're in now.
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Speaker 2: If you grew up believing your worth depended on achievement,
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Speaker 2: like mine did, you may tie yourself worth to net income,
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Speaker 2: which I did. I believed myself because I always got
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Speaker 2: attention when I did something good, successful, grades, made money,
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Speaker 2: got a good job, and was never about who I
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Speaker 2: was as a person. It was about what I accomplished
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Speaker 2: and what I did. So my self worth was tied
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Speaker 2: up to doing well, which of course in sales, I
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Speaker 2: crushed it because I had to in order to have
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Speaker 2: a good self worth. So when I got my amazing coach, Mavoo,
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Speaker 2: she was amazing. She helped me realize that my self
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Speaker 2: worth was tied into what people think about me because
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Speaker 2: of status, success, money, relationships, whatever it might be. When actuality,
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Speaker 2: self worth is deep, it's internal. It's a belief that
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Speaker 2: you are valuable simply because you breathe, you exist, you live.
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Speaker 2: It is not because what you earn achieve, what you own,
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Speaker 2: what you look like. That's a big one these days
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Speaker 2: with social media or how other people treat you. It
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Speaker 2: has nothing to do with other people. Self worth is
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Speaker 2: very different than self esteem. So self esteem is how
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Speaker 2: you feel about your abilities or your performance and how
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Speaker 2: it can go up or down depending on your success
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Speaker 2: or your failure. Self worth is your belief that you
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Speaker 2: have inherent value, regardless of your accomplishments or circumstances. So
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Speaker 2: self worth doesn't have anything to do with the outside.
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Speaker 2: It's how I feel. For an example, someone with healthy
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Speaker 2: self worth might think I made a mistake, but that
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Speaker 2: doesn't make me a failure. I'm going to learn from it.
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Speaker 2: Someone was whose self worth is tied to external things
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Speaker 2: would say I lost money in the market. I am
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Speaker 2: so bad with money. And if you tell yourself that
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Speaker 2: over and over and over again, you're thinking that you
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Speaker 2: can't do anything with money. I have so many clients
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Speaker 2: come to me that they just think they're terrible with money.
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Speaker 2: And all we do is educate, show up our self esteem,
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Speaker 2: find out why our self worth is crushed, fix all that,
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Speaker 2: at least on the path to fixing that, and their
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Speaker 2: money changes always. It just always changes. So then it's
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Speaker 2: becoming I'm on the road to learning what I need
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Speaker 2: to learn to make sure that I feel safe with
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Speaker 2: my money. Right, it's great, So the question begins, how
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Speaker 2: do we begin changing That first coaching step is awareness.
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Speaker 2: So the next time you feel anxious about money, don't
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Speaker 2: immediately ask what's wrong with my finances? We're going to
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Speaker 2: change that instead. What story am I telling myself right now?
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Speaker 2: Is this story that there's never enough? Is this story
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Speaker 2: that I'm going to lose everything? Is this story that
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Speaker 2: I don't deserve success? I had this thought. I thought,
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Speaker 2: as some of you may know my story or not,
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Speaker 2: but I lost two children thirty three years ago. Actually,
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Speaker 2: and I had a belief in my subconscious that I
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Speaker 2: did not deserve love, happiness, or wealth. I did not
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Speaker 2: deserve that because I did not save my children, I
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Speaker 2: did not protect them. I didn't know I had that
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Speaker 2: belief until I got my amazing coach right she found
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Speaker 2: that belief. Within three days, my life changed drastically. I
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Speaker 2: just found that belief, breathed into it, got rid of it,
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Speaker 2: did some journaling, did some exercises done with that belief,
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Speaker 2: and my money life completely improved. So we have to
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Speaker 2: find what's out there first. What's there first? Why are
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Speaker 2: we feeling anxious about money? So? What story am I
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Speaker 2: telling myself right now? Is it that money creates conflict?
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Speaker 2: This is where the healing begins. Is awareness, a right awareness.
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Speaker 2: So a money story is the collection of beliefs, emotions, experiences,
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Speaker 2: and messages that we've absorbed about money throughout our life.
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Speaker 2: It's not your fault. It is the invisible script that
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Speaker 2: influences how you earn, spend, save, give, and think about
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Speaker 2: your wealth, your money, often without even realizing it. Everyone
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Speaker 2: has the money story. So your money story begins in childhood,
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Speaker 2: long before you understood budgets or investing or saving or
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Speaker 2: anything anything before you learned. You know, money is hard
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Speaker 2: to earn. You might have earned money is hard to earn.
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Speaker 2: There's never enough reach. Rich people are guilt greedy. You
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Speaker 2: have to work hard for every dollar. My household was
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Speaker 2: work hard, earned money. We work seven days a week
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Speaker 2: through and six five days a year, no vacations, no nothing.
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Speaker 2: So we were business owners and I just thought that's
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Speaker 2: the way it was. It's selfish to spend money on yourself.
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Speaker 2: I have a lot of women clients come to me
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Speaker 2: on that debt is normal. I don't have too many
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Speaker 2: of that. Talking about money is rude. I do hear
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Speaker 2: that a lot, which I want to dismay that myth.
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Speaker 2: Women need to talk about money. We need to understand
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Speaker 2: what other people are going through, what they're feeling, what
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Speaker 2: they're making. We never even talk about what we make.
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Speaker 2: So everybody that comes to me feels like they don't
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Speaker 2: make enough, they're not doing enough, they don't know enough
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Speaker 2: because they don't realize their average, just like everybody else.
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Speaker 2: Because we were taught not to talk about money and
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Speaker 2: politics and religion, right, change that. Talk about money. Get
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Speaker 2: your friends, get a group together that want to do
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Speaker 2: better with their money, talk about it, share it, Get
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Speaker 2: those embarrassing things out so that we can get rid
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Speaker 2: of it. Dismay that those all those myths. We also
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Speaker 2: might be thinking success means having expensive things. That is
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Speaker 2: absolutely not true. If I've made money, people might expect
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Speaker 2: something from me that is a lot. And if you
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Speaker 2: make millions, they are going to and that's okay. When
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Speaker 2: we make more, we will have different problems. It's okay,
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Speaker 2: we can handle them all. Some of these messages come
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Speaker 2: from words. Some of them come from past experiences. So
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Speaker 2: we need to find out Number one awareness, What is
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Speaker 2: my money story telling me? Now? What am I thinking now?
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Speaker 2: Second thing is curiosity. Instead of criticizing yourself for financial
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Speaker 2: bad habits, let's be curious about them. Where did I
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Speaker 2: first learn how to do this? Or where did I
15:55
Speaker 2: first learn money doesn't grow on trees? Or where did
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Speaker 2: I first learn make hard, work hard, make money? Now,
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Speaker 2: when I look back at that, of course, my parents
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Speaker 2: were broke, like they were so broken till the seventies,
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Speaker 2: and so work hard, make money was all they knew
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Speaker 2: how to do. So when I learned that that was
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Speaker 2: their emotional thoughts around money, and that was their money story,
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Speaker 2: it does not need to be mine. So when I
16:19
Speaker 2: started taking care of myself, looking inward, doing coaching therapy,
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Speaker 2: all of that, I worked less and made more. So
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Speaker 2: work hard make money was not true for me anymore.
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Speaker 2: So I got to redo that myth right, So this
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Speaker 2: week I encourage you to spend a few minutes journaling
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Speaker 2: about your money story, and you should have a money journal,
16:42
Speaker 2: should have what it could is. I know, sorry, I
16:43
Speaker 2: didn't mean to. Should you you could if you so
16:47
Speaker 2: choose to get a money journal and to go through
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Speaker 2: all my episodes and do all the wonderful work. So
16:52
Speaker 2: journaling about your money story. Write it down your earliest
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Speaker 2: memory of money, and what did you hear your parents
16:58
Speaker 2: or caregivers or adult say. When did they how did
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Speaker 2: they handle money? When did they handle money? What were
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Speaker 2: they saying when they handled money? Did they argue about it?
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Speaker 2: Did they avoid talking about it? Did they say, you know,
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Speaker 2: save every penny or spend freely? Or were they worrying constantly.
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Speaker 2: I had a client whose mom always did the bills,
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Speaker 2: and she would just be so stressed out every time
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Speaker 2: she did the bills. She had no idea she was
17:25
Speaker 2: giving off these this energy to her kids. She would
17:28
Speaker 2: did not do anything on purpose. This is not here
17:30
Speaker 2: to beat up parents, y'all. I'm a parent. You can
17:32
Speaker 2: beat me up, I know that. But that's not about that.
17:34
Speaker 2: That's just about your parents' reality in the moment when
17:37
Speaker 2: they were doing the best they could. All of our
17:39
Speaker 2: adults in our lives have done the best they could.
17:41
Speaker 2: No one ever wants to hurt us or wound us.
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Speaker 2: So we all know that we're not trying to beat that,
17:46
Speaker 2: you know, beat them up or anything like that. We
17:48
Speaker 2: just have to be aware of the fact that that's
17:50
Speaker 2: their money story, not mine. I'm not choosing to put
17:53
Speaker 2: that on right, so I'm going to change that right.
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Speaker 2: So I want to encourage you to think about that.
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Speaker 2: Where did it come from those experiences? How did they
18:04
Speaker 2: make you feel as a child? The F word my
18:06
Speaker 2: favorite F word? Feel Did you feel safe? Did you
18:09
Speaker 2: feel anxious? Did you feel ashamed or guilty? Did you
18:13
Speaker 2: feel fearful? Pull up the emotional scale or you can
18:17
Speaker 2: google it, you can, you know, whatever, whatever you use,
18:20
Speaker 2: just say emotional scale and it's going to give you
18:22
Speaker 2: all the emotions in the book. So if you don't
18:25
Speaker 2: know all your emotions, look at that. It's a great
18:28
Speaker 2: learning tool. How did I really feel when they, like
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Speaker 2: when my mom would buy me the leather jacket, how
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Speaker 2: did I feel? Well? I felt guilty because it had
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Speaker 2: nothing to do with me and it was fake. And
18:40
Speaker 2: so now to this day, I have to have somebody
18:43
Speaker 2: know me in order for me to accept a compliment.
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Speaker 2: If they just are giving me a compliment, it doesn't
18:50
Speaker 2: mean anything to me because they don't know who I am.
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Speaker 2: So you can imagine how that affects my dating life
18:55
Speaker 2: because you don't know anybody in the beginning, right, It
18:59
Speaker 2: takes a while for a peace able to get to
19:00
Speaker 2: know you. For me to be able to really feel
19:03
Speaker 2: someone cares about me, they got to really know me.
19:06
Speaker 2: So that's you know, that's just one of my things.
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Speaker 2: And I know that comes from childhood. The feelings often
19:12
Speaker 2: come become our foundation around our adult behaviors. It could
19:17
Speaker 2: be financial, it could be relationship, it could be work,
19:19
Speaker 2: it could be anything. So we're going to ask ourselves
19:22
Speaker 2: is this belief still serving me today? Does it help me?
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Speaker 2: Is it more of what I'm believing or someone else?
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Speaker 2: So if the answer is no, write a new belief
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Speaker 2: that does reflect the person who you want to become.
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Speaker 2: So money doesn't grow A work hard make money was
19:41
Speaker 2: the thought, right, So then I had to read change.
19:45
Speaker 2: I had to change that belief too. Money is coming
19:48
Speaker 2: to me easily and effortlessly daily. That's what I had
19:51
Speaker 2: to change that belief to. We have to find those
19:54
Speaker 2: hidden beliefs. I hope that makes sense. So remember awareness
19:58
Speaker 2: is the first step, and the second step is rewriting
20:01
Speaker 2: your money story. So we have to be intentionally being
20:05
Speaker 2: conscious of how we're feeling in the moment when we're
20:08
Speaker 2: making decisions. So this sometimes is a lot of work
20:11
Speaker 2: for someone who isn't like me. I was like so busy.
20:14
Speaker 2: I had so many things on my calendar, so many
20:16
Speaker 2: people to talk to, just stayed busy, da da da.
20:19
Speaker 2: I had no idea what I was feeling or thinking
20:21
Speaker 2: and how that was tied to anything, because I was
20:23
Speaker 2: just so busy, busy, busy, busy. So I had to
20:25
Speaker 2: slow down start saying no. As Oprah tells us, no
20:29
Speaker 2: is a complete answer. You do not need to explain
20:31
Speaker 2: anything to anyone. Sorry, that doesn't work for me. Thank
20:34
Speaker 2: you for the invite, but I'll have to pass this time.
20:36
Speaker 2: Hope you have a blast. I don't need to give
20:38
Speaker 2: a reason for anything that I do, so no is
20:42
Speaker 2: a complete answer. So I needed to step back, take
20:45
Speaker 2: more time for myself, get to know myself more, spend
20:48
Speaker 2: some more quiet time, journaling music. It was difficult for
20:51
Speaker 2: me to do quiet time in the beginning, so I
20:53
Speaker 2: had a lot of music, a lot of TV around.
20:55
Speaker 2: Whatever it takes to get you to go inward, we
20:57
Speaker 2: have to figure that out, and it's a step by step.
20:59
Speaker 2: Prop says, right, so we're gonna go inward. The third
21:03
Speaker 2: step is to separate facts from feelings. For example, if
21:08
Speaker 2: your investments are down this month, that's a fact. The
21:12
Speaker 2: story that you're telling yourself is everything will never recover.
21:15
Speaker 2: That's a feeling. I'm gonna lose everything. That's a feeling. Okay,
21:19
Speaker 2: So first step is awareness. Second step is is that
21:22
Speaker 2: your belief still or do you need to create a
21:24
Speaker 2: new belief. So now my new belief is money is
21:27
Speaker 2: coming to me easily and effortlessly daily. Now I need
21:31
Speaker 2: to look at is that when something happens, is that
21:34
Speaker 2: a feeling that I'm worried? So when the market goes
21:36
Speaker 2: down or I don't get the interest I thought, or
21:39
Speaker 2: whatever it is. It could even be in a relationship,
21:41
Speaker 2: right if someone's mean to me or doesn't answer my
21:44
Speaker 2: text back or whatever, is that a thought, a fact
21:47
Speaker 2: or a feeling. So is that true that they don't
21:51
Speaker 2: like me because they didn't answer my text back. No,
21:53
Speaker 2: that is not a fact. That is a feeling of abandonment.
21:58
Speaker 2: So then we go back to Okay, that's me. That
22:00
Speaker 2: has nothing to do with the market. It's nothing to
22:02
Speaker 2: do with someone else. That's all me. Does that make sense?
22:06
Speaker 2: So learning to separate facts from emotional stories that we're
22:09
Speaker 2: telling ourselves is one of the healthiest financial habits that
22:13
Speaker 2: you can develop. Also for relationships, everything, how we feel
22:16
Speaker 2: about one thing is how we feel about everything. When
22:19
Speaker 2: you feel about your money one way, or a relationship
22:21
Speaker 2: one way, or job one way, or somebody at work
22:23
Speaker 2: one way, everything is all tied together. So when we
22:27
Speaker 2: look at one thing, most of the time other things
22:30
Speaker 2: improve in our lives, which is very exciting. So that
22:33
Speaker 2: is learning fact from our emotional story that are telling ourselves.
22:38
Speaker 2: So finally, ask yourself, if I weren't afraid, what would
22:43
Speaker 2: my wisest self do next? Not the perfect step and
22:48
Speaker 2: not the biggest step, and not the final step, just
22:52
Speaker 2: the next best step. Maybe it's reviewing your spending plan.
22:57
Speaker 2: Maybe it's talking to a financial advisor. Maybe it's in
23:00
Speaker 2: increasing your savings. Maybe it's only going to Starbucks once
23:04
Speaker 2: a month on a treat. Maybe it's not making a
23:08
Speaker 2: financial decision for twenty four hours. It could be any
23:12
Speaker 2: of those. Remember feeling deserving to be acknowledged, but they
23:17
Speaker 2: don't deserve all of your financial decisions. So feelings are different, right.
23:22
Speaker 2: The more you learn to separate fact from feeling, the
23:26
Speaker 2: more you're going to respond with wisdom instead of fear
23:29
Speaker 2: in all of your decisions. So the fourth coaching step
23:32
Speaker 2: and the last one, I challenge you inherited beliefs. Ask yourself,
23:37
Speaker 2: is this belief actually true? Is it something that I
23:39
Speaker 2: want that I learn growing up? Or am I going
23:42
Speaker 2: to keep it? So now you're going to create all
23:44
Speaker 2: your new money beliefs. I hope you enjoy today's We're
23:47
Speaker 2: going to go over all your homework today. Right Number one,
23:50
Speaker 2: awareness number one? What am I actually telling myself right now?
23:55
Speaker 2: Number two? Is that something that came from childhood? Work hard,
24:00
Speaker 2: make money? Is that my childhood or is that something
24:04
Speaker 2: real for me? So we're going to excavate underneath our
24:07
Speaker 2: true beliefs that we're holding. Number three, we're going to
24:13
Speaker 2: ask ourselves is that a fact or a feeling? Back
24:17
Speaker 2: or feeling? And number four, we're going to create all
24:19
Speaker 2: of our new money beliefs. Put them on the refrigerator,
24:22
Speaker 2: put them on your phone, put them on your dash
24:23
Speaker 2: of your car, wherever you spend time. Put them on
24:26
Speaker 2: your bathroom mirror. I have lots of little post its
24:28
Speaker 2: on my bathroom mirror a lot of times when I'm
24:30
Speaker 2: going through personal growth phases. And then you are going
24:33
Speaker 2: to walk away with a better relationship with money. I
24:35
Speaker 2: promise you it will be different, it will change, and
24:37
Speaker 2: it'll feel so much better, and then other things will
24:40
Speaker 2: improve in your life. I want you to be able
24:42
Speaker 2: to do these steps, and I want you to be
24:44
Speaker 2: able to walk away and say I rock my Finances.
24:49
Speaker 3: We appreciate you joining us today, and don't forget to
24:52
Speaker 3: subscribe to to rock my Finances YouTube channel for more
24:55
Speaker 3: engagement and bonus content. Tell me what is your money story?
25:00
Speaker 3: Let's find out with Jennifer right here on K four
25:03
Speaker 3: HD Radio and Talk for TV. It's not about the zero,
25:07
Speaker 3: It's about the F word. Feelings, feelings. Jennifer can't wait
25:11
Speaker 3: to explore with you next week. Until then, let's all
25:14
Speaker 3: say I rock my Finances.