What if your financial stress isn’t about how much you earn, but how your money is (or isn’t) working for you?
In this candid and encouraging episode, I sit down with my client Lisa to talk about the real shift that changed her life, not just her bank balance. Lisa thought she had a system… until she realized she was doing fake math, chasing checks, and constantly feeling like she should have more to show for her income.
Together, we unpack how she let go of shame and guilt around money, created a spending plan that gives every dollar a job, saved over $2,300 for a Disney cruise without stress, developed a plan to eliminate credit card debt without burnout, traveled freely while still building a financial cushion, and ultimately found peace, confidence, and clarity in her relationship with money.
Lisa’s story is for anyone who’s ever felt like they’re doing “okay” on the outside, but overwhelmed on the inside.
Listen to learn:
[03:10] The difference between a planner and a real system
[06:34] How fake math fuels paycheck-to-paycheck stress
[10:12] What shifted when Lisa gave every dollar a home
[12:47] The power of intentional saving and planning for joy
[18:02] The unexpected emotional weight of overlooked expenses
[23:30] Moving from money anxiety to empowered spending decisions
[27:44] Finding freedom without sacrificing fun or travel
[30:21] Why Lisa now feels like her money system creates “overflow”
If you’ve been juggling spreadsheets, mental math, and a planner filled with due dates, but still feeling behind this episode will resonate deeply.
Are you ready to start asking for help with your finances? Apply to work with me, and let’s start working towards your financial goals.
If Lisa’s story resonated with you, don’t miss Episode 179: Permission Budgeting: How to Overcome Overwhelm and Take Control of Your Finances. Together, these episodes show what’s possible when you let go of shame and build a money system that matches your life, not just your bills.
Transcript for “Lisa’s Story: How Lisa Stopped Using Her Planner To Budget”
Intro: Hi, and welcome to Money Files. I’m Keina Newell from Wealth Over Now. I work everyday with professional women and solopreneurs to help them get out of financial overwhelm and shame so they can experience more flexibility and ease with their finances. Are you ready to gain confidence and learn to manage your finances intentionally? Tune in and grab financial tips that will help you master the way you think about and manage your finances.
Keina: Hello and welcome back to another episode of Money File. So today I’m here with my client, Lisa. I feel like it’s been a while since I did a podcast with a client interview, but they’re always my favorite because I think people resonate with them a lot. So Lisa, I’m just going to hand it over to you and allow you to introduce yourself.
Lisa: Oh, okay. So I’m Lisa. I found Keina online. I was doing a Google search of financial coaches and I appreciated the work she had put into her website. I saw she had reviews that weren’t on the website, so I knew they were probably legitimate. And I was just at a place where I was really trying to start over with my financial system or what I thought was a system. So that’s kind of what brought me to Keina’s space.
Keina: Can you tell us more what made you, because you did find me via Google search.
Like what was going on in your life that made you think about like, I need to find a financial coach.
Lisa: So I had what I was calling the system, but we would learn that it was fake math. But I had what I was calling the system and I was comfortable with it because at the end of the month I was paying all my bills and things were taken care of. But ultimately I started feeling like I could never get ahead and in fact I felt like I was drowning even though I was above water. So it just kind of set me in a space where I was like, I need help. Whatever I’m doing my way is not giving me the results that I want. So let me find somebody else, an outsider who can kind of help me get to where I want to be.
Keina: Please describe your system.
Lisa: My system was a planner. I have a planner and I would mark down the days I got paid, how much I get paid and then when the bills would come out and then as they came out I would just scratch them off and whatever money was left at the end I would throw towards a credit card. That wasn’t a good system, but it worked for what it worked for.
Keina: I’m laughing right now or smiling I should say because I remember you describing your planner on the consult with me. So you had your planner, which I think a lot of people would resonate with because you put in your bills when you’re paid. Because of the work that we did together, how would you describe the difference between like the system you had versus the system that you now have?
Lisa: So the system that I had, like I said, it kept me above water. I was paying my bills. The system that I have now, I have less anxiety about how I’m spending my money. As I mentioned before, I feel like every dollar now has a home. And I’m able to hold myself accountable, but not in a way that feels like I’m being squeezed. It’s just given me some perspective on how I’m spending money. The new system has even made me kind of reevaluate my values, my priorities, and my money is a reflection of that. And I’ve just been very pleased with the outcome. I’ve got money saved. Before I didn’t think I had money to save. I’ve got debts paid down. Before I didn’t think I had money to save and pay down debts at the same time. So basically when I look at my note or my planner with these numbers in there, I don’t have the same satisfaction. I have less stress with knowing where my next dollar is coming from.
Keina: What has made you feel like you have less stress?
Lisa: So initially the spending plan that we started with, it felt big and it felt like a lot. But once I got used to it and found a cadence that worked for my spending habits, I find it so much easier to, I’m going to go do this thing today, or I’d like to do this thing today. Let me look at my spreadsheet real quick and see how much money I have available to that. And then I can make the decision, do I want to do this today or do I need to wait or can I wait? So really just being able to immediately know if the money is there or how much money is there or how do I need to make things work if I want it to work, it’s much less stressful. I’m not guessing. I’m not sitting down and going through Monday to Friday to see when the money’s going to fall, about how much is left. With a new system I know exactly how much is there.
Keina: I’m curious, I know how I describe you in terms of, I have these like client avatars in my head and I would say you were someone who’s like in and out of debt and semi not totally, but semi in the paycheck to paycheck cycle. Like how would you describe, and maybe you’ve answered this in some ways, but like what was your relationship with money prior to? Are those good labels for you, the paycheck to paycheck cycle, in and out of debt?
Lisa: Yes, absolutely. I felt like I was living paycheck to paycheck, but the uncomfortable part or where, like I said, I felt like I was above water but drowning, was I know I make enough money that I don’t have to live paycheck to paycheck. So there was that disconnect that I was able to recognize. So that’s spot on.
Keina: And like, just to give people a little bit more context, I did ask Lisa, I was like, how much can I share? So you have, I’ll call it three streams of income. So you had different sources of money, like you had some child support coming in, you had another check from the military, then you also had your regular paycheck. So you also had this cadence of like, there’s some money that comes every two weeks, sometimes, maybe we should depend on it, maybe we shouldn’t. Then I have my regular cadence of my paycheck, then I know that I get my military check. So it’s just like I said, managing three streams of income. Like how were you managing that before versus how you’re managing it right now?
Lisa: So before it would just get written on the planner and then I would just have to make sure that there was enough money left after that check hit for whatever bills were coming next. And it was almost like one was chasing the other, the bill was chasing the check, even in the planner. But again, with this system we’ve given every dollar a home and I don’t know, it just feels much better to know that things are going where I need them to go. And even some things that I hadn’t thought of, like toll, you said, let’s keep that on there. Well guess what I use this weekend, my toll money? So just things like that. But I didn’t have to flinch going through the tolls because in my head I kind of have an idea of my spending plan and all of the line items now because I look at it every other day pretty much.
So in my head I’m going through the tolls and not only do I know I have toll money available, I know I’m not going to run out because it’s enough. I can go through this turnpike three more times today and still be good. I’ve just really shifted from that. I don’t know, feeling like I’m making too much to struggle to I’m still making what I was making, but it doesn’t feel like a struggle now. It actually feels like overflow. Don’t tell anybody I said that. I still want more.
Keina: Well what’s interesting, you talk about the tolls and I can imagine that somebody listening is like, could even roll their eyes to the tolls, right? Because it’s “not that much money,” which is something that I think people tell themselves. However, okay, let’s say the toll is $5. If you’re in DC it could be $20, but what other expenses that you realize you were overlooking to the point of fake math, right? Because like the fake math part is, hey, in my planner, anything that comes in the mail or in my email, I’m writing down when it’s due. I’m paying attention to when my paycheck comes in. But what are some of the other things that you started to consider that you just have more ease about being able to spend money on? Like yes there’s tolls, is there anything else?
Lisa: So with my child, there are school things and so there’s a line item for that, which I like having that available as opposed to getting that random sheet of paper from the school that they’re having this random event that’s going to cost me money I didn’t intend on spending. And so it messes up my planner. On the spending plan I have the space for, even little allowances that we’ve talked about, different fees that I didn’t consider or just taxes or fees or whatever. Things like that. I feel like my savings accounts are really good buckets to have, Christmas, separating the Christmas, from the birthday, from the vacation. Just having those separate and realizing I do spend a little bit more money here than I thought I did. Even cosmetics, so I don’t have a lot going to the cosmetics line, but when I do go pick it up, I have it.
Keina: I feel like you’re one of the clients to be like, I don’t wear makeup. I’m like okay, until all of a sudden you wear makeup.
Lisa: Until I got my eyebrows done, right?
Keina: I’m curious, just to the point of like when we started working together, was there any point during the experience where you’re like, this girl’s crazy, but now you see the logic and rationale behind the things that we put in your budget?
Lisa: I didn’t think you were crazy. I wasn’t sure how you were going to do certain things with my money that we’ve done. But we’ve done it.
Keina: Can you give an example?
Lisa: I think we started in April maybe. The amount that I’ve saved since April between now I’ve already expensed a fully paid vacation.
Keina: Can you use real numbers? Sometimes I’m bad about using real numbers.
Lisa: Yes, yes. So since April we started my vacation fund and I noticed that you picked up on, that’s very important to me. So we made sure a lot of money went over there by we, I mean you did because you did the math. I just did what you asked me to do. And so now I’ve got this Disney cruise coming up in the fall and it’s about $2,300 I’m rounding and I was able to save that and pay that and figure out how I’m going to do the rest at the time. You’ve taught me how to not manipulate my money but understand how to move my money, where it needs to go, to do what I need to do. And at no point do I feel like any of my buckets are on E, even when I do it because I make conscious choices. Like this is what I want to do with this. You know what, I don’t do as much over here, but I don’t want to empty it out either because if I do decide to do something over there, I want that to be available. For one, it made me do research on prices, on the timing to go, it really made me be less impulsive because I used to be very impulsive. Being less impulsive and taking the time to find what I could afford. And it’s still what I wanted to do.
Keina: You just talked about being impulsive. I feel like one of the fears in working with me is like Keina is going to tell you that you can’t do things.
Lisa: Yes.
Keina: Like I’m not going to be allowed. A lot of clients before working with me are like, I had some last supper spending. I know right when we started working together, there was also your birthday coming up and our birthdays are like a week apart. And I heard very loudly and clearly that you were going on a trip.
Lisa: By any means necessary.
Keina: Yes. You were like, excuse me, I need to go on this trip. Also, my son and I are going on a trip later down in this year. But I’m curious, do you feel like a budget is, this is probably not going to come out as clear as I want it to, but in terms of being restricted, I think that it’s really about like, do you have more freedom right now about spending than you did in the past? So I think sometimes we think that the freedom comes from, I don’t ever need to look at anything. So I’m just going to spend, which I think is the impulsivity, but then you come back and you got to look at the credit card balance or you got to look at the bank account balance. So how has your idea of freedom shifted, like being financially free from before we worked together until now?
Lisa: So starting with you, there was some apprehension on, I’m not going to be able to do this thing. And in my head I don’t want to have to come back and tell my financial coach, I spent money on this or I blew money over here. So there was that initial concern. But also we talked about money shame and thanks to money shame before I started with you, that was like my lowest spend month ever in the history of life because I didn’t want you to see first month out the gate.
Keina: This girl is wild.
Lisa: Got nothing. Now I got a little saved, I do. So there was that. I didn’t go the other way where I buy a bunch of stuff and then ask you to help me fix it. So that kind of worked. The shame worked in my favor there. But when we got started, you kind of made it pretty clear to me that your goal is not to restrict me from the things that bring me joy. I think you understood I probably crashed out and spent all the money if it felt too restricted.
Keina: I told you, you’d be in the corner eating chocolate.
Lisa: So I think from the beginning you worked into how I could, first of all you made me have priorities. And so you worked into my priorities. I think where I felt the restriction was having to sit down and do these money dates with myself. I think the restriction felt within the process. But that’s because it was new. It was like I told you before, I started working out at the same time and I was kind of sore. I didn’t like it. I knew it was beneficial, but it wasn’t fun. But again, once I kept doing it, understood how it’s helping me finding a cadence that works best for me. It does feel a little bit more liberating because while there are restrictions in that, I make what I make, that is what it is.
You’ve encouraged me to look for more money. So there’s that. But also it’s liberating. And again, it’s removed some of the stress that I had before. And I also understand the process a lot better. And we’ve also done some long-term planning and goal setting and looking at priorities and things in the next 6, 12, 24 months, however long, even five years out, 10 years out, whatever. But I think the liberation is, now that I understand the system as a whole, not just today’s spending, but the plan that you’ve helped me make for my money long term, I see a light. I see where I will be even more liberated later. And even now I’m not super restricted. So it works. It’s a little uncomfortable, but it’s not a bad discomfort.
Keina: What’s the light you see later on?
Lisa: So the five year plan, I don’t know if we called it that, but like the 401k plan and getting me to 21%, I think we have it where I hit it at 2030 if I stick to my system and I stick to my plan. So in my head when you said it, we mapped it out, it kind of put it in perspective that certain things are much more attainable than they feel when I had no system. So now that there’s a system that’s the way to get to where I’m trying to go and I see that, no I could get there way sooner than later, as opposed to putting a dollar aside for the next million days and hoping I’m a millionaire one day, like this feels doable. Again, it didn’t change my lifestyle. You didn’t have me go out and get three jobs. I didn’t have to sell off my child or anything else that I love.
Keina: I don’t know, I think you wouldn’t sell your child, but I would be like Josiah.
Lisa: But he could work too.
Keina: What’s a win that you’re really proud of? Maybe it didn’t feel achievable before we worked together, but you’ve been able to achieve it now.
Lisa: A win that I’m really proud of. I would say that I stuck to this because I wasn’t sure about myself. I could sometimes be my own worst enemy, but sticking to it, I haven’t felt like I’ve come to you with anything that I felt ashamed about. Or I’ve had some “blows,” but they felt bad because like we talked about before, because I was in such a good space and I’m so proud of myself and how far I’ve come. But even with that blow, I had the money there so it wasn’t that bad. And I was just overall proud that, again, with this crash out word, I didn’t crash out, I didn’t crash out, I stuck to the plan, I saw the system through and I’m just proud that I’m working it. Like I’m sitting here next to my laptop now because once we get off I got to update the spreadsheet.
I’m just very proud that I’ve made it this many months and I’ve accomplished what I’ve accomplished with my money as far as saving, as far as spending, as far as highlighting my priorities and values. We’ve talked about some of them, but I really do take to heart those things that we’ve discussed and just really understanding how that impacts my relationship with money. So I would say that and it’s going to sound weird, but we talked about this credit card acceptance phase.
Keina: I was going to bring that up. I was like, I really like your perspective.
Lisa: And so in the beginning we did talk a bit about the shame that comes with the fake math and all the things that we do. But now that I’ve been working with you, I’ve been much more open with my friends and other strangers about money. And I’ve learned how normal I am and how normal my situation is. And I actually feel a lot better about my situation because I am improving it. But one of the main things that come up a lot is credit card debt, credit card debt. And I had a lot of that. Me and you talked about the cycle. I’m making payments but then I’m swiping again. And so I couldn’t keep up. But now we have a plan for paying off those cards and I’m using my own money, so yay for that. But I’ve come to a phase of acceptance with my credit card debt and as I explained it to you, it’s no longer shame because it is what it is.
I can’t unring that bell, but I understand that I’m still reaping the benefits of the things and the choices I’ve made to swipe those cards now. And essentially the interest payments are the cost. The cost of doing business. It’s what I would’ve paid if I would’ve waited now. With inflation and all of those things and it’s a crazy way to justify it, but overall I feel better about the debt. I’m just paying down the stuff that I already have. But with my new way of looking at priorities and values, I’m not bringing in a bunch of new stuff either. So I’m not missing out.
Keina: Yeah. And I love your phrasing about this acceptance of debt and anybody listening, I don’t know if it goes into like alcohol and not alcoholics anonymous like AA or like the stages of grief. I’m not really sure. But yes, you have gotten to this phase of acceptance. But from my vantage point, us being able to, I know one of the things we talked about was like what are the things that have gotten you into debt and how do we just make space for them? And you, once again, I heard it very loud and clear that you like to travel.
Lisa: I like to travel between vacations and they’re not even that lavish, but they’re long. But between these vacations and between these concerts that I enjoy, yeah, that’s pretty much what got me there. And then some of it was just all these random streaming apps and things like that, that they feel like a little bit because Audible is $14 or $15 a month or however much it is now because it’s paused but it’s however much it is a month. So it’s just a little bit, Patreon, $32 a month. It’s just a little bit. But all those little bits added up and I didn’t know the number. So that’s where it went. And I’ve listened to all my books now, because I was just piling up books, because it’s just a little bit.
Keina: Yeah. And it’s funny because like the little bits they do add up, especially, I think our world is so much about convenience now. Like we don’t even carry around physical cash. And so everything is connected to a digital wallet and your credit card is in everything. And it’s not necessarily bad. I think it just makes us less intentional. So I feel like there needs to be more space to say like, Hey, what am I actually paying for? And it’s not about if the $2.99 is good or bad, but it’s do I actually want to give this person, this company $2.99? And it’s funny because I’m actually working with a client right now and she didn’t realize, now we know, but she’s been paying for three Spotify accounts. Two of them are her kids, is what she’s found out. But like, just even knowing that and it’s this awareness piece that I feel like we all need to invite into our lives so that way we’re doing what we want to do with our money. I’m curious for you, because you have talked about like having money, but when was like that first moment that you felt like, I know that I have the money?
Lisa: So I’ll go back to the very last vacation that I took before we started our relationship. But I think what kind of really shifted my perspective there when I’m like, I know I have the money, but where is it going, was I went on vacation with some friends and the way they were spending money, I was like, I know I’m not this book because I was just being so extra mindful, like, we’re doing this, you want to do this, I got to put how much, but I also don’t want to be a party pooper. But in my head I’m like, how are they doing this? How much do they make? Because I know in my head I have the money to do this stuff, but also I don’t want to spend it all, today on this one activity. And so then we came back. When it came down to splitting the bills because at one point I said we got to put something on my card because I can’t just give y’all all this liquid money.
I learned real quickly that oh, I need a week to pay you back. I need two weeks to pay you back. Okay, it’s not me. So it’s other people. But ultimately it just really made me stop and think like, how much do I have? How much should I have? How much could I have? And then we rolled right into the holidays and I’m spending more money for the holidays and having family up here and those things. And I think January is when I started my search because I should have this money. Where is my money going? Why does everything feel like a struggle? When I set out in life when I first had my child, I was making $35,000 a year and somehow I was making it. So now that I’m making three, four times that, where is my money going? And I just had to have a real honest conversation with myself. Like, what do you get?
Keina: So when did you feel like, and our work together, what shifted for you in terms of like looking at your accounts and realizing that you have, like, I always have money?
Lisa: So after we made the birthday work and I still had money, it was like, okay, I can breathe a little bit and I might trust her to help me further along. I don’t know what I want to tell her. I don’t know what I want to tell her I want to do. But you always checked in, you always, what’s top of mind? You always, is there something else that you have a goal of that we didn’t include? And I think we got everything, but it was probably around that time where it was just like, okay, I can breathe and look another cheque hit and there’s still money there. And look there’s another cheque and there’s still money there. And I hadn’t hit zero anywhere. I could have. Don’t challenge me. But I didn’t. And I got used to, I think we had a conversation about the net zero.
We were doing the milestones. I was like, I don’t know what that is. And you were like, it’s the money you expect to see in your account. And then you were like, well what was it before, zero? If I have anything zero or above, I’m winning. My net zero, what do you mean? But you explained it to me and then I’m like, nah, $7,000, if it drops below that, I’m concerned, because then I’m sitting down and making sure I did my numbers right because where did the money go? And usually if the car payment came out and then boom, something else hit and my money’s right back. Okay, we’re back at seven.
Keina: Excuse me, I’m calling a bank my balance is below $7,000.
Lisa: My balance is below $7,000, like I feel a little bit broke because where did my money go? But again, once I got to that point, I’m like, you can breathe a little bit because with the plan, with the system, we just started in April and I understand that. So I know April of next year it’ll look even bigger. The numbers will be higher. I’ll have my system down pat and hopefully more money.
Keina: Not hopefully, you’re going to have more money.
Lisa: More money and I’ll work that into my system appropriately.
Keina: Yes. I know one of the things that we talked about too, when we were working together, I think it was early on and I know I can always see where someone’s going, but to your point, you’re like, you’re kind of going through the motions, but you’re trusting that this lady I met off the internet knows what she’s talking about.
Lisa: I have to.
Keina: But I actually remember you talking about that you used to wake up in the middle of the night.
Lisa: Yes. So when we first started, all I could think about was money. I was obsessing over my spending. I was checking the spending plan obsessively as if three transactions happened while I was sleeping or I don’t know. But it would wake me up and I would have to get up. I don’t know why, I didn’t have to, but I would get up. And I would go reconcile whatever was in my brain. Whether it’s making sure the money was there or making sure, oh it did post, let me go ahead and move it right to second. It was just very, do I have the money to do this? Do I have the money to do that? But, again, I think it was because it was so new because it felt uncomfortable. You could say I felt caged, but it wasn’t anything that I wanted.
Keina: You’re just trying to make sure it worked.
Lisa: I just had to make sure it was working. I had to make sure I understood it was working. I had to make sure it felt like in the end it was going to work. But now I do have that security steps because I’ve seen it working. I’ve got $7,000 at least in my account right now.
Keina: How much time do you spend like thinking about money now versus like before? Like is there a change in how you think about it or?
Lisa: I would say that the frequency throughout the week is probably increased, but the time is not increased. Because now I literally, I’m about to go, like I went to Florida this weekend, I need to know how much gas money I have. I quickly looked at the line, I’m like, I’m good to get to Florida and back two times. I need to make sure I have food. I’m only going to be there for this many days. I’m good on food. I can comfortably take this trip and come back and not be at zero. So I look at it almost daily for whatever transaction I’m about to make. But it’s not a worry. It’s literally just to have an idea of where I stand when I’m done.
Keina: It’s like you have an automation of being able to like plan ahead. Like what is the impact of whatever decision I’m getting ready to make, whether it’s urgent or whether it’s impulsive, any of those categories? And I don’t know if y’all heard Lisa, but she’s mentioned traveling. I don’t even know you went to Florida. So like Lisa in her check-in form, she’ll be like, I’m so thankful Lisa stays outside in the streets. So if Lisa can do it, you can do it too.
Lisa: I’ve only been to Tennessee, New Orleans, Toronto and Florida since we started.
Keina: You came to DC too.
Lisa: And DC, that’s it.
Keina: But that’s like in three months.
Lisa: And under budget.
Keina: I think you’ve been very thoughtful with how you want to spend. It’s definitely been on the things that you want to spend on. So you’re not my person that I worry about for food. You are like, excuse me, I need a hotel and a plane ticket and a rental car. I’ll figure out how to eat later. What would you tell someone who’s in the position you were in before you worked with me, and what might they not know about working with a financial coach that you’d want them to know?
Lisa: Working with a financial coach, I think the difference is you’re less attached to my money, so you’re able to see it a lot better, a lot more clearly than I am. Much like coaches in a sports, on a sports team, they see things differently, they understand things differently. And it’s just helpful to have somebody for one, take out the thinking piece.
Because sometimes that in and of itself is stressful. Trying to figure out the numbers, trying to figure out what needs to go where. Well then I found somebody who works with numbers all the time and they could figure out how much needs to go where. And I don’t have to worry about my struggle with math or how this might fall or whatever, or some of the things we’ve talked about, I wouldn’t have thought about in my long-term plan. I had a system, but it wasn’t an efficient system.
You’ve given me a system that’s efficient. Before working with you I think I told myself a lot of things that made me feel better about the way I was spending my money. I felt like I deserved all these things. I still feel like I deserve all the things, but also I deserve to be able to attain them comfortably and without stress and be able to fully enjoy these things without the looming ideas when I come back, how much damage should I do? So I just think even talking to my friends, a lot of the things they say, I’m like, yep, I told myself that same story. And you’re going to keep doing it your way. Yep. And your way is the reason why you asked me about my coach. So it’s like you recognize that there’s something. And I think for me, I recognize that there was something, but I think working with you helped me acknowledge that something was understanding my own priorities and values. And then money is impacted because it is, but just truly understanding my priorities and values has really helped me get to the system.
Keina: I love that. Is there anything else I didn’t ask you that you want to share?
Lisa: I don’t know. Overall, I just feel really good about the whole process from beginning to end. I think even how I talk to you is probably different. I probably joke a little bit more now than before, just because we have kind of established this working relationship. I do understand that the things that are important to me, you recognize that they’re important to me and you helped me find a way to make those things happen. Things that weren’t as important to me are now important to me. Like retirement, but not just 401k, long term what is your plan? You know what? I didn’t have a plan for this and look at how it’s working out, much better now. So let’s go ahead and follow her, follow your lead and go ahead and plan out the rest of my life too.
Again, one less thing to think about. I really appreciated kind of that evolution of where I was from the beginning with the shame, to moving to acceptance, to moving to just understanding my process, to just comfortably sitting down and doing it. It doesn’t feel like a chore. It’s just another thing that I do. I’m getting much quicker at it. And as you notice now I get hung up on when there’s too much money, but I got money left over. Something is awry. Like, why are my dollars homeless? They need a place to be. So I just truly appreciate the evolution of the process from the beginning to where I am now.
Keina: Yeah. Well, you’ve done a phenomenal job and I love client work because I always remember like little things about you and I definitely remember our consult and you were like, I’ve talked to other people and I don’t want to pay them. And then you said yes. And now you’re healed and doing great work. Well, thank you everyone for tuning in and listening to this episode, and I will talk to you next week.
Outro: Thank you so much for listening to Money Files. If you’re ready to take the next step to reach your financial goals, head to www.wealthovernow.com/appointment and let’s get started.
