Your financial life is not shaped only by math, income, or opportunity.It is also shaped by identity. People tend to act in alignment with who they believe they are. If someone unconsciously believes: - “I always struggle” - “Money leaves me” - “I’m not disciplined” - “Rich people are different than me” …their behaviors often reinforce that identity. And the Universe reflects this back to you! So for today: what are some identifying statements you have about your relationship to money AND what are some of your automatic, top of mind beliefs about money in general?

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?

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?

How stable is my financial position right now?This day is about pressure-testing reality. Define “Financial Stability” - Stability = ability to withstand disruption without collapse - It’s not about how much you have - it’s about: Consistency of income Liquidity (cash access) and Exposure to risk Key teaching point:High income ≠ stability Low stress + strong buffers = stability Income Stability (How Predictable is Your Cash Inflow?) Break income into categories: - Fixed (salary, consistent payouts) - Variable (commissions, business revenue, investing gains) Ask: - How many income streams do I have? - What % of my income is predictable vs variable? Simple Stability Scale: - 1 source, volatile → fragile - 1 source, stable → moderate - 2–3 sources → stronger - Multiple diversified sources → resilient Pressure test: - If my main income stopped today, what happens in 30 days? Cash Reserves This is your financial oxygen. Step-by-step: 1. Calculate monthly essential expenses(housing, food, insurance, minimum debt payments) 2. Calculate:Cash reserves ÷ monthly essentials = months of runway

Step 1 - list all your debt! * Credit cards * Personal loans * Student loans * Mortgages * Car loans * Lines of credit * For each one, write: * Current balance * Minimum payment * Interest rate (APR) Step 2 - do the math: - Annual interest cost =Balance × Interest rate - $10,000 at 20% → $2,000/year - * That’s ~$167/month just in interest (before touching principal) Step 3 - Categorize: high vs low interest High-interest debt (typically 10- 30%+) - Credit cards - Many personal loans - Some private student loans→ This is financially corrosive→ It compounds against you Moderate-interest (5- 10%) - Auto loans - Some private loans→ Neutral to slightly negative depending on context Low-interest (0–5%) - Mortgages (historically) - Federal student loans - depending when you went to school