Prioritizing Your Finances So You Can Say Yes More

Money Files

I’ve worked with over 100 people since I started my coaching business and one thing connects them all, they’re worried about what they will lose if they commit to knowing their numbers. And you might find yourself thinking in a similar way, it’s normal. 

But it’s important to understand that prioritizing your finances is the equivalent of you choosing to put your oxygen mask on first. And when you choose to put your oxygen mask on first, you have the ability to be present in every other area of your life. 

And a simple shift of being financially present will allow you to see what opportunities you can choose to say yes to with more ease and confidence. 

In this episode, you’ll learn:

  • [00:02:37] Why your financial fear is leading to avoidance 
  • [00:12:31] Accepting failure as part of your financial journey
  • [00:13:32] Avoiding your finances is going to keep you creating the same results that you have right now
  • [00:18:13] The importance of practicing financial gratitude
  • [00:25:24] Investigate, what opportunities are you not saying yes to because you don’t know your numbers

Tune in to this episode of Money Files to learn the importance of knowing your numbers so you can say yes to more opportunities.

Are you ready to create your path to financial success? Apply to work with me, and let’s start working towards your financial goals.


Transcript for “Prioritizing Your Finances So You Can Say Yes More”:

Hi, and welcome to Money Files. I’m Keina Newell from Wealth Over Now. I work every day 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.

Hello and welcome back to another episode of Money Files. So today I want to talk to you really about what opportunities you’re not saying yes to because you don’t know your numbers. And I would say that is more of the anchoring question because there are so many people that I want to help in this world be able to experience their numbers without fear. I want you to be able to know your numbers and feel empowered. I want you to be able to spend money with ease and I want to help you experience financial confidence. But maybe when you think about working with me, whether it’s paying to work with me or even just reaching out and asking for help, that there’s a flight response in your body where you start to doubt your own ability to get results. 

You start to have a lot of anxiety or hesitation about being vulnerable with your finances because you don’t want to be judged and these are all normal feelings. I have worked with over 100 people since I started working in my business and I think every single one of those people would tell you I experience hesitation, I experience fear, I’ve experienced anxiety before working with Keina. Even when I applied to work with Keina, I was on the call and I wanted to get off the call. Like they would share all of those sentiments with you because those are real things that come up, especially when your brain is alerted to the fact that you want to change something about what it has normalized. 

Your brain has normalized that you’re bad with money, your brain has normalized that you don’t know how to manage your finances. Your brain has normalized scarcity. It’s normalized that you don’t deserve more, that you deserve your current existence. And as a coach, I’ve worked with women who have gone through divorces or recently separated. They come to me and they have a fear of managing their finances on their own. And this is a really big investment for them. They have a lot of fear that maybe they’re not making the right decision. One of my favorite things is when people tell me that they don’t want to make a rash decision. I’m like, this is not a rash decision for you to want to prioritize your finances, but it’s the way that their brain is protecting them. Or I’ve worked with women who have started in a new role and for the first time they’re making 6 figures and they really don’t want to blow it because they’ve made less money in the past and they have thoughts about like, now I’m making more money than I ever have before. So there are a couple of should buckets that I want to be able to feel like I should be able to save.

I should be able to pay off my debt, I should be able to buy off a home. I should be further along because I’m 30 or I’m 40. And so they’re starting a new role, they got a promotion and they want to be able to manage their money well, oftentimes that group of women also experiences some form of scarcity about the amount of money that they’re making. They have thoughts about maybe they’re making too much money. So that’s a group of women that I’ve worked with. I also work with women who are doing everything right in their career, if you will. And they’re making six figures. Maybe they’re making multiple six figures and they’re contributing to their 401k and they’re saving money, but they really just don’t feel at ease when they want to spend money on travel.

Or maybe they want to buy something nice for themselves or maybe they would profess that they go a little wild when they go to target. Like Target is where they just know that they’re draining all of their money. And I’ve also worked with solopreneurs who are making money in their business, but they feel like they’re living invoice to invoice so they have these larger months. This is also true for 1099 workers where it’s like I made 20K this month, but when my tax bill comes around and I think about my annual revenue, I can’t pay that $10,000 tax bill. I don’t even know how, but I’ve also made $120,000 this year, or I made $20,000 last month, but I don’t have anything to show in my business and I don’t have anything to show in my personal finances. 

Money just feels like it escapes me every time that it falls into my hands. And so that is just a small group of people that I’ve worked with over the last several years that I’ve been in business. But I can tell you that one thing connects all of them and they’re really worried before they work with me about losing something by working with me. And when I say loss, it’s really more so of a shedding of a former identity and moving forward into a new identity. Because you experience safety with where you are right now. There’s comfort even though there’s a ton of discomfort when you think about waking up at night and thinking about your finances, when you think about not being able to pay your bills. 

But when you think about actually deciding to move forward, whether that is committing to the yes, whether that’s booking the call with me, whatever that is, when you think about that, there’s a hesitation, a fear, and an anxiety and you start to doubt whether or not you can trust yourself to get results. All of those problems, I just talked to you, all of the clients I can think about, that’s how they felt before working with me. I could pull up things that tell you that that’s how they feel, even though they also, like I know Keina can help me, but there’s this big shadow that is coming with me or a heavy cloud that’s coming with me that’s also very bright and light and telling me that maybe this won’t work for me. 

But on the flip side of that, I can tell you that all of those people, if you’ve listened to any of my client stories or you’ve read reviews, they’d be like, girl, you should have done this sooner. That’s the biggest takeaway when they are thinking about working with me to their commitment, to them finishing working with me, there’s this complete shift of who they are and they would work through the process over and over and over again, hands down. So there’s definitely a before and after transformation if you will there. And so I just want to talk to you today if you identify with any one of my clients that I’ve helped, and I should say that I work mainly with women, but I have some men in there and some couples as well that I also support. But if you’ve identified with any of them and you have a story about your ability to get results, if you were to work with me, this podcast episode is for you. 

I was thinking specifically about you because I want to help you get out of your own way and I want to help you get out of your own way because I literally know that everything you want is on the other side of you knowing your numbers and everything you want even currently, like if you list out all the things that you desire, like I want to go on a trip, I want to buy a car, I want to buy my first home. I want to send my baby to private school, whatever that is, whatever those list of desires, if you put knowing your numbers first, all of those other things are going to come in with ease and you’re going to get them sooner and without having to struggle to get them, without having to rob Peter to pay Paul to get them. And so I am basically fighting for you right now because I want you to be able to experience the joy that is actually available to you when you know your numbers. 

And you may think, Keina, I’m crazy, but I’m telling you one of my goals as a coach is to literally wait for all of my clients to say Keina I’m finding budgeting to be fun. I actually enjoy looking at my budget or I enjoy looking at my bank account and I tell people this in the beginning and they think I’m crazy, but I hear it. I would say 95% of my clients say it at some point during us working together for five months, they’re like, Keina, this is really fun. And I laugh because I’m like, you never would’ve said that budgeting was fun when we first started to work together. They’re like, I know, but it feels magical. And so I want you to experience that joy. And I know part of you experiencing that joy is helping you get out of your own way. And so some of you, I hope you get out of your own way on a consult. 

Some of you haven’t booked a consult yet and so you had the opportunity for us to talk one to one, or maybe you’re just being introduced to me and I too want to help you get out of your own way and the content that you read for me, my emails or podcasts that you listen to and you are starting to think about like, oh, these things sound nice. I want them to be things and results that you desire more than anything else in your life. I think financial coaching is as good as going to Bora Bora. I think financial coaching is as good as going on your next trip. You prioritize those things and I want you to prioritize coaching for yourself because these results really are life changing and you may hear me saying that, but I also want you to hold the belief that these results will change your life. And I want to prioritize this now. 

This is urgent now because I want tomorrow to feel different and tomorrow can feel different just by way of making the decision to become a yes. Like everything, listen to me carefully. Everything is on the other side of you being a yes because everything becomes easier. I oftentimes ask people on a consult after they tell me, yes, I want to work with you. And I’ll ask them again like in their first meeting with me, I’m like, how do you feel? And they’re like, Keina, like I already feel lighter. Well why do you feel lighter? And they’re like, because I know that you have my back and I know that you’re going to help me. And people in the beginning, they can’t see everything that is going to happen for them, but they trust in my certainty, they trust in my ability as a coach. They trust in the things that have led them and connected them to me. 

And so it’s just always my pleasure. And I have such gratitude in knowing the people that allow me to be in their finances, allow me to join their numbers team because I know that this is a place of vulnerability for people and I just feel such a privilege and I count it as a privilege to be able to work alongside my clients. So if you’re a client and you’re listening to me, I want to publicly say thank you. And I’ve enjoyed getting to know you in every aspect and knowing the nuances of your life, like your dog needing surgery or your grand babies having birthdays or your love of cashmere sweaters or knowing that you’d want to get the next drop of the exclusive designer at Target, whatever it is, I just enjoy knowing you in that way and helping you craft a numbers plan that aligns with your real life. 

And I enjoy celebrating with you and just being able to see your growth. You are the reason that I do what I do. And you’re also the reason I’m doing this podcast because I want to be able to help more people experience the joy that you’ve experienced and being able to help them get out of their own way. Let’s just dive into this. So if you, like I said, can identify with any one of the clients that maybe you’ve heard me share about or you’ve resonated with my story, but you would say like the thing that’s really holding me back is my lack of belief in myself and not having trust with myself to actually get results. I just want to acknowledge that what you feel is normal and you’ve probably failed over and over and over again. 

You’ve tried a budgeting app, you’ve tried a spreadsheet, you’ve tried listing out your bills, you’ve tried multiple accounts, you’ve tried all the things, but you still are stagnant, you’ve made more money, but the results that you have in front of you don’t align with the effort that you’ve put in. But I want to also offer you that while I know that how you feel is normal, and I know that failure is the thing that is attributing to how you feel about whether or not you’ll get results, I want to let you know that your fear of not getting results is ultimately leading to you avoiding your finances, which is going to keep you creating the same results that you have right now. You’re not going to necessarily do anything different by fearing getting started. And part of creating different results is being able to feel the fear but then also say, I’m going to take a step to move forward and I’m going to trust in my ability. 

And by way of trusting in your ability, that’s how you’re going to create new results. So first I want you to think about, is that failure is normal. Let’s just name that, failure is normal. If you are a human being, you’re going to fail. And I think we do everything to try not to fail. It mean a lot of things when we fail. But I want you to ask yourself how do I want to experience failure? Do I want to experience failure in a supportive community or environment or do I want to experience failure alone? So when you think about your finances and you think about whether or not you can pay off debt, like do you want to experience failing and paying off your debt alone or do you want to experience that in a supportive environment?

Do you want to experience figuring out how to pay your quarterly taxes without judging yourself? Do you want to do that alone or do you want to do that in a supportive environment? Think about how would it feel to talk about a plan to pay down your debt even if you hadn’t fully stopped using your credit card. If you were in a supportive environment, what would that feel like? These questions or these things that come to mind. Ask yourself. What am I fearing in terms of failure? Like be really specific. Don’t just say not getting results. Like what does that mean? I fear I won’t be able to stop spending money. I fear that I can’t save. I fear that I won’t look at my budget. But what would it feel like to be like, oh dang, I’m not going to look at my budget, but I also know that I have Keina to help me look at my budget.

Those numbers might feel really overwhelming for you. Also completely normal. But with my clients, like our coaching sessions, when we’re working in this 5 month coaching partnership, that’s literally what we do together. Your brain gets to basically kind of be on autopilot. And I’m going through and helping you think about, okay, what expenses are coming up that you haven’t thought about? Oh look, I noticed this. There’s this pattern. There’s not me judging you. Like, oh my goodness, you went to five guys again. If anything, I’m going to ask you, hey girl, how was your hamburger? That’s what we’re going to be thinking about. How was your hamburger? How’s your cashmere sweater? But what we’re looking for and what I’m going to teach you is how to build a different set of awareness when you’re looking at your numbers. It’s not about judging yourself, it’s about learning your spending patterns.

It’s about learning your behaviors at that time and us figuring out what’s the budget that’s going to work for you in your real life. Like Keina’s budget isn’t going to look like Lena’s budget. Keina’s budget isn’t going to look like Brent’s budget. Keina’s budget isn’t going to look like Sophie’s budget. We’re different people and that’s okay. And so when we talk about failure, failure is going to be reframed within this container because you’re going to have a coach that’s able to help you see things very objectively and to get out of your own way. I’m going to be able to help you disrupt your story. Like normally when you overspend, you would be like, okay, see the budget didn’t work and I’m not going to tell you the budget didn’t work. I’m going to say, oh, tell me what was going on when you were overspending. Is this like something that’s normal for you?

Do we actually need to include a line item in your budget for candles? Whatever that looks like, but we’re going to investigate why it’s happening and figure out the best plan for you to prevent that from happening again. Or not even prevent it from happening again. Sometimes it could just be about having an overall awareness. Like a lot of my clients, they start to learn more about their emotions and how it’s connected and related to their spending, or they realize that, oh, maybe I just actually haven’t budgeted enough for groceries and I haven’t noticed that groceries are going up and so I just need to increase the number and stop lying to myself that I can spend $200 a month on groceries. 

That’s what we do when we talk about failure within this coaching container. And so another way that I help my clients disrupt their own stories is that I help them practice financial gratitude. You’re like Keina, what’s financial gratitude? It’s really about being thankful for what’s happening, like our brains are so programmed to look at what’s not working. We have all of these automatic negative thoughts and we want to be looking at what is working. So one of the things that I do, and it’s just a simple integration, is at the beginning of each call and all of my clients know that I do this and then they’re like, oh dang Keina, I didn’t even think about it, which shows you how our brains work that I’m guilty of this too. But at the beginning of each call I have them share their wins and wins elevate you. 

They create a positive emotion one. And then there’s also, like I have a check-in form that they can share what they’re grateful for. But I do this practice because I want them to look for what’s working. It’s also a time where I get to name for them, like here’s the shifts that are happening for you in your own thinking and in your own belief. And so sometimes we’ll have tangible things that we’ll be talking about where they’re like, Keina. I stayed within my grocery budget. I feel like groceries are always just my go-to. Or Keina, I did my money date. That may be something that they’re celebrating. 

Sometimes they notice that they have a shift in their own belief where they’re like, I just noticed that this week I thought about my spending before I actually spent money. That was my win. And so that’s something that maybe before we started working together, they wouldn’t have done. And so I just want to name for you when you’re thinking about failure, sometimes when we think about what we’re going to be failing at, like a lot of my clients are thinking about their biggest goal, which maybe it’s saving $5,000, that’s the goal that they want. But I’m like, in order to save $5,000, you are going to have a shift like feeling really great about the fact that you thought about your spending before you spent money. 

That is the thing that’s going to help you save $5,000. And I can guarantee you that that shift is going to feel amazing and it’s the shift that’s going to support you in saving the $5,000. Or Keina, I did my allocation calculator, which is something that my business owners do and they’re like, Keina, I have like money to pay my expenses and my business is paying its own bills and I saved money for taxes and I’ve had more money saved in my business than I ever had before. Like that is also going to create the grounds for my business owners to potentially raise their prices or to see the purpose of money in their business.

All these things go and lead towards your big result that you want to create. So basically I’m telling you, you have to fail to create the results you want and to be able to integrate financial gratitude is going to keep you in a space where you continue to go. It’s why I always talk about when you work with me, this is the last time you’re going to have to learn how to budget. Does this mean you won’t fail? No. Does it mean you’re going to be perfect? No, but you’re going to know the exact path to get back on track. You’re going to know exactly what you need to do and you can listen to my client’s stories and they’ll tell you over and over again about how like, oh yeah, there was this crazy month, but then I just didn’t make it mean anything and I started using my budget again or I went back and adjusted my spending plan.

Like that’s just what they do because they’ve learned a new existence, they have a new story, they don’t have the same story that they had prior to working with me. And I’m just also thinking about client wins from this week that I want to share with you and just this whole process. I am working with a client right now who fits the description of someone who she just got out of grad school, started a new role and was going to be making six figures, but also moved to a very high cost of living area. And so we’ve been working together for the last four months. But her celebrations this week were that she negotiated her hourly rate by $10. So she increased it overall by $10 and she negotiated more PTO time. 

And then she’s also been thinking about how much more money she desires to be paid in a completely different way. So this week we reflected and we celebrated on her growth. And my favorite thing as a coach is to be a mirror for clients. Because I just want you to know that when we first started working together, when I was talking about you making more money, I got a visceral response. And now here you are. You’re like, no girl one I negotiated 10 more dollars an hour, I negotiated some PTO. But the way that she thinks about money is just completely different. The way that she owns her numbers is completely different. I mean we’re still working to pay down debt, we’re still working to save more money. But two things can be true at the same time. One that you’re experiencing a shift in your overall financial mindset and two, that you’re still working towards your goal of saving more money and paying down debt.

Those two things can exist. And so I just want to name that for you because I think that when we think about finances, it’s very either or and we don’t have to have an either or type of thinking. Like if you were thinking about what are the other things that people celebrate that would show me that I was being successful, like my clients, these are literal things that they share with me. They’ve shared that they don’t have overdraft freeze, they’re not using their credit card, they have the courage to keep moving down this road to financial freedom. They see a little chunk of money left in their account, although it’s allocated for, that they’ve never been in this position. They’re thankful for the intimacy that they now have with their finances. They’re not having to worry about bills that are quarterly or semi-annually because they’ve saved for them.

We paid off all of our tax debt, estimated payments and account fees with ease. Those are the things that my clients celebrate. So if we’re working together, imagine being able to celebrate in that way. Imagine being able to experience failure within a container. And what you’ll start to realize, and what I’ve seen with my clients is that failure is relative. Maybe you do have to dip into your savings to pay for something because you overspent, but you’re not afraid to check your accounts. So clearly there’s some growth there or maybe you didn’t anticipate a business expense and you didn’t have it in your budget, but because we’re working together, you know how to shift your numbers to accommodate for the expense without throwing everything off. Like you can think about, okay, are there unintentional consequences here? Are there any intentional consequences? Like you can think through the trade offs when you have my support, like failure is truly relative because I’m going to help you practice self-trust, build your own financial awareness and just have this new level of confidence. That’s what’s happening. 

That’s the power of coaching. When you’re working with me, yes you are getting a budget, but these are the other things that you’re also going to get at the same time. So number one was failure is normal. Number two, know the cost. Like Keina, what’s that? I want you to ask yourself the question, what opportunities are you not saying yes to because you don’t know your numbers because you don’t have a budget. Oftentimes we think about budgeting as being restrictive about the things that we can’t have. So we don’t want to look at our numbers because it’s going to tell us something negative, but I want to just insert here, what opportunities are you not saying yes to because you don’t know your numbers.

I believe that prioritizing your finances is a matter of you choosing to put your oxygen mask on first. And when you choose to put your oxygen mask on first, you have the ability to be present in every other area of your life. And maybe right now as you’ve been considering coaching, you are stuck thinking about the trade offs of investing in coaching, you might be thinking about what you’ll have to give up if you side that you actually do want to budget. Like, ooh, maybe I won’t be able to go and get a massage every week or every month, or whatever that looks like for you. But you just hold this belief that budgeting is restrictive because the last time you tried it, that’s what you created for yourself. But I want to offer to you that there are opportunities that you’re not saying yes to because you don’t know your numbers and you are literally leaving money on the table because you’re not willing to put your oxygen mask on first and prioritize getting to know your numbers.

And I want to tell you a story about one of my clients, Taviana. She has two podcast episodes with me. So if you go back, you can listen to both of her podcast episodes. We did a podcast while she was working with me like her first 30 days in and then we did a podcast after she finished working with me. So you can go back and listen to that. But before she started working with me, she was on a consult and she was telling me, I love when clients come to me with their stories, but she was telling me that she was saving to buy her first home and she had saved $10,000 to buy her first home to use it as a down payment. 

And what I was coming up against in talking to her is that she didn’t want to use this money to invest in coaching because after all, if I give you the money that I’ve saved for a home to prioritize my finances, then I won’t be able to buy the home. Like it was very cut and dry. But as a coach, I knew that the best decision was for her to invest in coaching over buying a house right now because she is literally leaving financial results on the table. So yes, she could take the $10,000, which one wasn’t going to be enough for where she lived, but she didn’t have that knowledge. It was a great start, but you’re going to go into your house with this $10,000 down payment. But now you’ve also told me you’re on this call because you’re living paycheck to paycheck. 

There are times when you can’t pay your bills and you’re saving inconsistently. So you would rather buy the home and then figure out your finances later. That sounds like things that are out of order. What actually is the best thing for you right now, and I didn’t say it like this, is to invest in coaching and I can help you save that $10,000. One, you can save it sooner, quicker and easier, but you’re also going to accomplish all of these other things that you don’t even know you can accomplish it. Like Taviana, when she first started working with me, she had been recently engaged. So that meant that she was going to be planning a wedding, a honeymoon was coming up. 

I was thinking about her and her husband being on the same page about finances. I just knew, especially with marriages, finances are such a point of tension and friction. So I knew that if she invested in coaching that there was a number of things that she would be able to say yes to and a number of new experiences that she would have. Like she wouldn’t have to be at brunch and check her bank account underneath the table. She would, like I said, build a solid financial foundation with her soon to be husband. I could help her have at least a month of expenses ahead. So there would be no robbing Peter to pay Paul. She would be able to just manage her money better and she would be an example for herself and people in her family, of someone who manages their money well. 

She would be her own example of what’s financially possible. She’d be able to pay for her wedding with little to no debt. She could rebuild her savings with ease. She could pay off her credit card debt once and for all. She would actually be able to save or use the extra money that she was earning to advance other goals that she had. We could deliver her from CARNA and Affirm as an option to pay for things because at the time she was robbing Peter to pay Paul. I could help her feel really confident about her next promotion or her next raise and helping her see what was possible.

That’s all the things that I knew I could do for her. And her brain was keeping her safe at the time and was like, let me protect my $10,000 because this is the first time I’ve ever saved $10,000 and I’m just not sure that I can get results. Luckily, clearly Taviana decided to invest with me. She drank the Kool-Aid, the Keina Kool-Aid as she’s called it on my podcast. And she was able to say yes to more things. She was able to say yes to new opportunities. Like I know one of her first experiences that she had, she supported one of her friends that wanted a donation and giving to others was really important to her. But she was able to give to this person without it impacting her ability to be able to pay her bills. 

I know that when, like we made a plan for Christmas, like that was one of the immediate things that we did because we started working together at the end of the year. We started planning for her wedding and really thinking about, okay, the shoes, the dress, the venue, let’s actually create a budget and start planning ahead so you can prioritize the money that you and your partner have saved for this. And then later on in the partnership, we started actually including her fiance, then turned husband in our relationship together. And we started to think about what financial hiccups do you two experience together. And I helped them build a PTO account because her husband’s job, if he doesn’t go to work, he doesn’t get paid. 

And so that’s something she hadn’t really thought about financially. She’d felt the financial impact, but we started to prepare them to basically, he could pay his own PTO. So what ended up happening, and she’s still getting results, but she paid off $5,000 in credit card debt. She sparingly uses her credit card. She has $10,000 back in her house savings account. She has $2,400 in emergency fund, which they name her just in case fund. Her husband had $700 in his PTO account. They paid their honeymoon in cash. They also paid for their wedding mainly in cash. The trade offs in terms of like where she started with Keina, I don’t want to give up what I’ve saved for the first time. She literally saved that plus she had all of these other accomplishments and she’s not checking her bank account balance all the time. 

Like that’s just not something she does. I know from looking at her spreadsheet that her money in her account, she always has at least a month of expenses. So when you add up the value of the results that Taviana or any of my other clients have had, they’ll tell you that the decision to overcome your own uncertainty about whether or not you can create results is worth it. Maybe you can’t see it right now, but I can truly see it for you. So it’s just a matter of watering that seed of trust. And the way that I want you to water that seed of trust for yourself is the third thing, I want you to choose and visualize your success path.

So maybe you’re new to me, maybe you’ve heard my client results, whatever that is. 

I want you to think about if you were working with me for five months, what result would blow your mind? What results just seems impossible, but you’re like, nope, that would be a result that I would want. Maybe it’s being able to look at your account without feeling a drop in your stomach. Maybe it’s having a budget that actually works for you. Maybe that’s something that feels impossible. Maybe it’s not being caught off guard by an expense. Maybe it’s being able to pay yourself from your business. Maybe it’s loving your budget, maybe it’s being able to spend money and not thinking about it. Like not thinking about whether or not it impacts some other area of your life. 

So get your result in your head. Now I want you to take yourself to a place where you have this result. How do you feel? What do you think about yourself? Maybe you just feel calm or you feel empowered, you feel confident, you feel clear. And what do you think about yourself? Like, I did it. Oh my goodness, I’m so excited, right? What’s that thing that you think? And now I’m inviting you to think, what do you need to think today to allow yourself to get started now? Maybe you’re thinking I can do this one step at a time. This is possible for me. I trust in Keina certainty, if Taviana did it, I can do it too. So I don’t need you to believe in every result because the truth is, and my clients can tell you that I’m like a financial fairy godmother and I can see your future.

I know where you are right now. I know you’re before and I know you’re after. And I always tell clients what’s possible for them. And there’s some level of hesitation because there’s their current existence and the fact that they don’t trust in their own ability to create results. But that’s exactly why you hire me as your guide, because I can help you create the path for you to be successful. So when you show up, I show up and we work the process, you get results. And when you get results, you build trust, you build your confidence, and this becomes the last time you have to learn how to budget. 

So in today’s episode, this is your invitation to do it scared. I want you to be somebody who raves about having a budget. You like, girl, look at me. I got a budget. I want you to be the person that knows your numbers and feels really confident no matter how much money you’re making, that’s who I want you to be. So I’m inviting you to drink the Keina Kool-Aid as Taviana says, because there are so many opportunities that you’re not able to say yes to right now because you don’t know your numbers. So if you have just a seed of trust, use that trust to book a call with me, use that trust to send me an email and be like, Keina, I’m ready. 

And we can get started working together in my five month partnership. So if you’re listening to this, I’m recording this episode in November, that means that result that you said that you wanted, that’s felt impossible. You’re going to have that result sooner rather than later. If right now you say I’m going to do it scared, I’m going to normalize failure and I’m willing to account for the costs and think about the opportunities that are available for me. Thank you so much for tuning in and I look forward to talking to you next week. 

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 and let’s get started.

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