The 4 Money Lies Keeping Women Financially Stuck

If you're making money but still feel financially stuck, this is for you.

In this video, I break down the 4 biggest mindset mistakes keeping women from building real wealth: believing “it’s working,” living on credit cards, saying “I deserve this” to justify purchases, and confusing self-care with self-sabotage.

I share my personal story of going from a six-figure corporate job to commission-based real estate and the wake-up call that forced me to change everything.

You’ll learn:
• How to know if your finances actually aren’t working
• Why “I deserve this” is keeping you stuck
• How to create a “joy category” in your budget
• The difference between self-care and irresponsibility
• How to build savings even with inconsistent income

It’s time to become financially whole, so you can afford the life you truly deserve.

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Transcript

Four Habits Keeping You Stuck

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So four things, ladies, four things we need to talk about today, okay, that I know is keeping you financially stuck. Are you ready? The first one is the hardest. You wanna know why? Because it was hard for me. It's hard for anybody. It's admit that what you're doing is not working. Because if you're anything like me, you want everything all at once. And you gotta admit, sometimes you're not willing to wait. You're not willing to wait at all. So you have the money. You may not have the savings, but you get nice checks every every week, every other week, or how often you get paid. So you're figuring, hey, I'll make it up for last week so I can get what I have, what I want today. And how you know it's not broken, let's just say you stop getting paid today and you have that credit card payment, or your revenue doesn't come in as often as it used to, and you have that payment to make. That's when you know it's not broken. If you're not able to live for at least three months, some people say six. I want to say start with three. How about let's get a month saved up before we actually say, okay, yep, I can afford this thing. A lot of us, we don't want to hear that. We think it's working because you're able to pay it off. But it's not working because life does happen. And if you're not able to pay it off when it's due or you're deferring or making minimal payments, you have a financial situation that you should not be happy about. So here's the thing: if you're not making progress, you're actually stuck. I know, I know, I know. But if you like what I'm saying, I need you to subscribe because we got more stuff coming, okay? And I won't get into this again. All right. I had to take 30 seconds to share with you one of our sponsors for this episode, Top Construction. They are a premier construction company located in Central PA. So if you live in Dolphin, Cumberland, Lancaster, and Lebanon counties, you want to check them out. Not only are they reliable, they are reasonable, and they get the job done. So you're ready to admit it's not working, or maybe it's you're not. You want to hear some more things to see if this is something that you really need to invest in. I promise you, it's going to make a world of difference. So this is what I found out for me. You know, that thing about not being able to pay something? Yeah, I went from a six-figure job, then I went to sales, real estate sales. Now, I'm ambitious, I was able to bring in money, but then when you first start, the well runs dry sometimes and then it picks up. It's very seasonal until you get consistent business. That's when I realized what I was doing wasn't working. Because in my corporate job, I would purchase things, put it on my credit card, and my next paycheck, I would pay it off because I can and I did. But then when I got into sales, oh boy, the things changed for me. That's when I knew things weren't working. And honestly, if you're thinking about it, if you have a family, you're being selfish to have this mindset. If you're a single person, you're being selfish to yourself. So you have to figure out, okay, I need to change my mindset. And sure, a lot of us don't like to be deprived of a thing or to wait. I get it. I'm the girl that doesn't want to wait either. I want to have the the newest iPhone. I want to have the latest, I don't know, shoes. I want to have the monochrome outfits when I can. But here's the thing: what you're going to say yes to now is going to defer you being able to do something even better later. You heard that before if you've been following me, because it's true. It absolutely is true. Here we go. Here's the big one, y'all. Here's the big one. Hold on, hold on. I'm going to sip my coffee real quick. How many of you say I deserve this? How many of you always say I deserve this to justify a purchase that you probably shouldn't make? Mm-hmm. Yeah, you, you're doing it. I know you are. I mean, why do I know? Because you're my people. You are my people. I deserve this. Justifies everything that you do. And it needs to stop today. And I'm saying that in love. I really am saying that in love. Because the only thing that you deserve is to figure out a way to be structured in your purchasing. Now, I love to buy things when I want them. But I also figured out how to enjoy saving too. Because a lot of us don't like to wait for anything. So think of it this way. When we start talking about budgets, one thing we're going to be talking about is creating a joy category. And this is what helped me a lot to get out that I deserve this. Because what I realized was I deserve to fund the life that I truly want to live. I want to be able to afford to think, do what I want when I want to do it. How would I do that? I created a joy category. And I loved filling up that joy category. You want to know how I did it? So let's just say I had I started out with, you know, starting out with like a 1% or 2% because I had to get out of debt. We'll talk about how you get out of debt in another episode. So just stay tuned. That joy category allowed me to save up money so that I was able to get things that made me happy without sacrificing my future. So then that way I wasn't spending and causing anxiety later. I was literally able to spend and truly enjoy my purchase because that's why I call it joy category. So that's one of the ways that you can overcome it. I deserve this. Yeah, you do. You deserve to get out of debt. That's what we deserve. We deserve to live the life that we truly want to live. Remember that. So let's talk about self-sabotage. Man, she's coming in hot. I don't mean to, y'all. I really, really don't. But it's so important because Luxies of the world, you know, those women that like the finer things. Yeah, I'm one of them. And it's hard pill to swallow. However, you probably feel like time is passing you by, or my friend can afford this, so I can get it too. Um, I'm ready to purchase a house. Why can't she do it? And but I can't. Those things become very, very frustrating. I get it. Self-sabotage is like the thief of all joy, like seriously. Now, we also want to cover that up into well, I'm spending because I have high anxiety, so I'm going to get my nails done and my feet done and get my hair done, you know, because it just makes me feel better. Okay. Sometimes self-care can be wrapped up into self-sabotage. There's a difference between self-care and being irresponsible. Remember that. Two seconds to thank Allstate Insurance for sponsoring this episode. If you're looking for car, life, or casualty insurance, they're going to be your ultimate insurance company. Thank you, Rob Shaw, with Allstate Insurance. Now, back to the show. Oh, that leads us to the last one. There's a difference, a huge difference between self-care and being irresponsible. There really is. And it goes back to that joy, that joy category. I think it's really important for us to figure out a way in which we can actually do both. Because both can be true. Yes, you deserve self-care, but you also deserve to be able to save and afford it. Because once you have the self-care, after the self-care, you have to figure out, okay, so now how am I going to pay that bill I should have paid instead of getting my nails done? There's ways you can go about this. I just recently had a conversation. It's along the same vein. I had a recent conversation with a group of girls, and we were talking about ways in which we can actually do the things that we want, but it doesn't have to cost us an arm and a leg. And you know what they shared with me? They shared with me that instead of getting their nails done, excuse me, paying hundreds of dollars on getting nails done, they literally purchased press-on nails. Press on nails. Now, I remember press-on nails being a nightmare. However, when I saw the way that their nails actually looked, oh my gosh, I was amazed. So I am a believer and I'm going to be purchasing them too. And that's probably going to save, I want to say,$90 a month because it only cost them$10, I believe. Correct me if I'm wrong if the person that actually had the conversation with me in the comments, let me know. Am I right or am I wrong? But I believe it only costs like$10 for like five sets, something like that, something crazy. So there's ways in which we can actually have self-care, right? And be responsible. Because I don't want you to just omit or deprive yourself of self-care because we all need it. It's very necessary, especially in today's world. We just have to figure out a way in which we can actually do both responsibly so that you don't cause anxiety later. So, in a nutshell, I was the girl who had trouble admitting it didn't work. I was also the girl who thought I deserved this, and I deserved it. I really did believe that. I was the girl that learned how to self-sabotage with my eyes closed. You hear me? Easily. I also was the one that believed that self-care came before anything else. I really did. And it's because of that I'm able to speak with you, speak to you about this matter. And also through my journey, I realized I can't be the only one that has that feels this way. So that's why I came up with this financial wholeness journal that's going to be released here very soon. So I'm going to have the link where you can actually pre-order. And that journal is a 52-week guide journal pathway in order for you to become financially whole. Because we all love to get clarity on ourselves. I love learning about myself, don't you? Because the more clear you can get, the easier it's going to be for you to make decisions, not only financially, but relationships too, emotionally, and for generations to come. And that's what it's about becoming financially whole so you can be the best version of yourself and you can live the life you truly deserve and afford it. If you liked what I had to say, please subscribe. We're growing here. I want nothing more than to see you in the comments.