My investing students know how important I think momentum is when we are trying to make changes in our lives. When we stack daily habits (no matter how small), these incremental changes take on a life of their own. Momentum has an energy to it, a force of its own. So what financial habits are draining or adding to your financial life?

Hello fam, since we are starting 40 days of Financial Clarity to know our numbers and create/strengthen the financial systems and structures we currently employ - to create the strong river banks for the flow of money in our lives...I think some accountability might be helpful! Drop a note in this section if you want accountability, to be witnessed or seen in a micro habit you're trying to build, a pattern you want to break, or anything that you're starting that might desire support!

Financial failure is rarely about lack of knowledge - it’s about repeated misalignment in behavior. Misalignment = actions that move you further away from Your stated and intended financial goals. Income - undercharging/not negotiating for higher pay Avoiding opportunities Procrastination on higher value work Spending - emotional spending Spending after earning, especially bonus, commissions Investing - pulling out of the market due to fear or putting too much in (FOMO) Savings - not saving/dipping into savings Avoidance - not looking at accounts/debts - People don’t just act against goals randomly - They act in alignment with their current identity - They move away from pain Which is it for you guys?

I just went to open a savings account attached to my new checking account with Wells Fargo to start giving my money a place to live for future investments and paused and said wait I want to look into a high yield savings account. So I just had mental shift to investor identity choices :). That feels like a big win for me. For my brain like and new pathway being formed 🙂🙂 Anybody have recommendations for this type of account? It’s my first time ever looking into them. I can’t believe I’ve never been taught to consider this and at the same time I am feeling a bit proud of myself for making that micro shift into the new pathway so I want to recognize that for me self 😆🙏🏽 it feels so subtle yet quite big :) I feel a true internal growth in this moment that is so sweet and it feels like I am actually getting somewhere 🌞

This week the goal is to figure out: why do we do the things we keep doing? Your financial life is not a series of isolated events - it is a system of repeated behaviors. - If something keeps happening, it’s not coincidence, it’s a pattern that has a cause. - Results (wealth, stress, stability) are lagging indicators of these patterns. 1. Earn → Spend Cycles What to look for: - Income increases → lifestyle increases just as fast (or faster) - Bonuses, commissions, or windfalls disappear quickly - “I deserve this” spending right after earning Step-by-step breakdown: 1. Income event occurs (paycheck, deal, bonus) 2. Emotional response (relief, reward, entitlement) 3. Spending increases (planned or impulsive) 4. Balance returns to baseline or lower 5. Repeat Reality check: - This pattern prevents wealth accumulation even with high income - Do the same for saving and spending cycles. This is where the shadow work becomes really valuable - we can get money to come in - but then what happens to it?