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)

You don’t need to give me a number. I want to draw your attention to whether you know the amount or not, or whether you need to guess. What area do you need to guess at? Checkings/savings, or investments? Or don’t know how much debt you have? That can be a clue to an area you’re avoiding. And avoidance keeps us in contraction, not allowing abundance in.

Gratitude signals to the nervous system that you are safe Abundance is not only about external money or resources, it’s about the body believing it is safe to receive and hold resources. When we practice gratitude, we are literally telling the nervous system: “There is already enough here for me to appreciate.” That message reduces threat perception in the brain. When the brain perceives less threat, the body moves from survival mode into receptivity. In survival mode we grasp, worry, and tighten around money. In safety, we notice, receive, and circulate resources more freely. So what are you grateful for today?

1. Abundance Requires Internal Safety - Abundance doesn’t just come from opportunity or effort - it also comes from the nervous system feeling safe to hold more. - If we don’t trust ourselves, more money can actually feel like more pressure, more responsibility, or more risk. - Self-trust creates the internal safety that allows abundance to stay instead of immediately leaking away. 2. Self-Trust Reduces Fear Around Money When you trust yourself more: - You trust that you can recover from mistakes. - You trust that you can make decisions with incomplete information. - You trust that you can handle more resources without losing control. Without this trust, people often unconsciously: - avoid opportunities - under-earn - overspend - or sabotage progress. Because their system doesn’t yet feel safe holding it. So let's hear it for all the ways you trust yourself more than you used to.

Day 12 is 2 parts: 1. What financial commitment do you often break? 2. What is the smallest promise in this area you can make? Broken promises to yourself erode self-trust. Self- trust is needed to be able to take risks - whether in investing or any other area. “I’ll save this month.” “I’ll invest consistently.” “I won’t overspend.” “I’ll track weekly.” Every time you override your own boundary, your identity absorbs a message: “I don’t follow through.” And identity, again, determines the ceiling. This is not about perfection, but integrity. Where is the smallest promise you can actually keep? Consistency builds momentum. Momentum helps you create change. Grand declarations followed by inconsistency build shame. Let’s hear it for your new promises!