February is here, and I want you to ask yourself something:
Are you still in the same financial place you were last year?
Most people make a January resolution to FINALLY pay off their debts, make a budget, and start investing.
But by the time February rolls around they've abandoned the budget ship, and their back where they started.
Same stress.
Same debt.
Same paycheck-to-paycheck cycle.
But here's what I know after doing hundreds of Financial Audits:
It's not that you don't make enough money, and it's not that you don't know what to do.
The thing keeping you broke isn't in your bank account.
It's your head.
Let me tell you about someone who came on Financial Audit last year.
Made $85K.
Had $43K in debt.
Couldn't tell me where any of her money went.
(Sound like you?)
But here's what stuck with me:
When I asked her to open her banking app on camera, her hands were shaking.
She told me she hadn't looked at her balance in three weeks because "it makes me too anxious."
That's when it clicked.
She wasn't lazy.
She wasn't stupid.
She wasn't "bad with money."
She was scared.
And fear was costing her everything.
See, most of you aren't broke because you're reckless.
You're broke because you're avoiding the problem.
You don't check your account because you "don't want to know."
You don't make a budget because you're "not good at that stuff."
You don't invest because you're "waiting until you understand it better."
But here's the truth pookie:
Avoidance is more expensive than any mistake you could make.
Every day you avoid looking at your finances, the problem gets worse.
The debt grows.
The opportunities pass.
The anxiety builds.
And somewhere along the way, you started telling yourself a story:
"I'm just not good with money."
Bullsh*t.
That's not your identity.
That's a habit you can break.
You don't need to be perfect to make progress, you don't need to know everything before you start, and you don't need to fix it all in one day.
You just need to stop avoiding it.
Look, I get it.
Opening that banking app feels like ripping off a band-aid.
Looking at your debt total makes you want to throw up, and admitting how much you've spent on DoorDash is embarrassing.
But you know what's worse?
Being in the exact same place next February.
So here's what we're going to do:
We're going to figure out where you actually are.
No judgment.
No shame.
Just the truth.
