You’re not lazy or “bad with money”! • We don’t avoid money… we avoid how money makes us feel • This is where clarity work becomes deep inner work I want you to Define what avoidance actually looks like • Not opening bank or credit card statements • Ignoring investment accounts (especially during volatility) • Avoiding debt totals • Delaying taxes, bookkeeping, or budgeting • “I’ll look at it later” → turns into months or years Avoidance is active, not passive. You are actively avoiding, expending precious life force energy. • The thing you avoid is the thing that ends up controlling you • When you don’t look at something, you give up power over it • Lack of visibility = lack of agency, makes it impossible to change This is what happens: 1. You avoid looking 2. The unknown grows 3. Your nervous system fills in worst-case scenarios 4. You feel more overwhelmed 5. You avoid even more → This becomes a self-reinforcing loop ⸻ Extra credit: name the Emotional roots of financial avoidance • Fear (of how bad it is) • Shame (past decisions, debt, income level) • Guilt (spending, financial mistakes) • Confusion (not knowing what to do) • Overwhelm (too many moving parts)

Tolerance for what you don’t like reveals your true standards • it isn’t what you say you want - but what you consistently allow • Late fees, unused subscriptions, undercharging or overpaying, disorganized accounts • If this showed up in a relationship, would you accept it? • Small recurring charges you ignore • Accounts you haven’t checked in months • Debt you’re afraid to look at • Overpaying or undercharging because you don’t want to deal with the confrontation This is very expensive! • The longer something goes unaddressed, the more “normal” it feels • This is how people slowly lose control without realizing it • Numbness ≠ safety - it’s often avoidance in disguise Tolerance is a decision (even if unconscious) - just like with avoidance - tolerating something you wish were different is active, not passive. You’re actually using energy to tolerate a situation you don’t like. • Every “I’ll deal with it later” is an agreement • Every ignored charge is a vote for continuation of this pattern

Name one thing in your financial life that is more stable now than it used to be?