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?

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

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?

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?

What I’ve found is that scarcity feels location specific. But the behaviors that stem from these feelings spill into all areas, for example: feeling scarcity about: - Money - “I never have enough” /Fear of spending, even when resources exist - Time - Constant urgency, rushing, overwhelm - Opportunities - Belief that chances are limited or “not for me” - Love / support - Feeling emotionally unsupported or alone - Security - Fear of loss, instability, or things falling apart Shows up as: - Overworking or over-controlling - Underspending or overspending - Hoarding or avoiding - Staying in situations out of fear - Grabbing short-term relief over long-term alignment And then a lot of times we feel like having more money makes the feelings of scarcity go away when we don’t realize those feelings stem from other areas of our lives!