June 8, 2026

Money is More than Math

Money is More than Math
Apple Podcasts podcast player icon Spotify podcast player icon Spreaker podcast player icon iHeartRadio podcast player icon Amazon Music podcast player icon Castbox podcast player icon Pandora podcast player icon Deezer podcast player icon Podcast Addict podcast player icon Podchaser podcast player icon Youtube Music podcast player icon Castamatic podcast player icon Castro podcast player icon Fountain podcast player icon RSS Feed podcast player icon Goodpods podcast player icon Overcast podcast player icon PocketCasts podcast player icon Podurama podcast player icon Podverse podcast player icon Podyssey podcast player icon
Apple Podcasts podcast player icon Spotify podcast player icon Spreaker podcast player icon iHeartRadio podcast player icon Amazon Music podcast player icon Castbox podcast player icon Pandora podcast player icon Deezer podcast player icon Podcast Addict podcast player icon Podchaser podcast player icon Youtube Music podcast player icon Castamatic podcast player icon Castro podcast player icon Fountain podcast player icon RSS Feed podcast player icon Goodpods podcast player icon Overcast podcast player icon PocketCasts podcast player icon Podurama podcast player icon Podverse podcast player icon Podyssey podcast player icon
Season 2

When people say, ‘I’m worried about money,’ they’re usually talking about more than just numbers in a bank account. They may be talking about rent, debt, rising costs, job insecurity — but also fear, shame, pressure, and the feeling of not being enough. So in this episode, we’re breaking money stress into three parts: the practical, the emotional, and the psychological experiences around money. Because money is never just math. It’s also about security, identity, and control. Money is complex


ASharpe Outlook is broadcast live Mondays at 8AM PT on K4HD Radio - Hollywood Talk Radio (www.k4hd.com) part of Talk 4 Radio (www.talk4radio.com) on the Talk 4 Media Network (www.talk4media.com). ASharpe Outlook TV Show is viewed on Talk 4 TV (www.talk4tv.com).

ASharpe Outlook Podcast is also available on Talk 4 Media (www.talk4media.com), Talk 4 Podcasting (www.talk4podcasting.com), iHeartRadio, Amazon Music, Pandora, Spotify, Audible, and over 100 other podcast outlets.

Become a supporter of this podcast: https://www.spreaker.com/podcast/asharpe-outlook--6643730/support.

WEBVTT

1
00:00:01.000 --> 00:00:04.519
This program is designed to provide general information with regards

2
00:00:04.599 --> 00:00:07.559
to the subject matters covered. This information is given with

3
00:00:07.639 --> 00:00:11.960
the understanding that neither the hosts, guests, sponsors, or station

4
00:00:12.199 --> 00:00:17.359
are engaged in rendering any specific and personal medical, financial,

5
00:00:17.760 --> 00:00:22.679
legal counseling, professional service, or any advice. You should seek

6
00:00:22.719 --> 00:00:26.800
the services of competent professionals before applying or trying any

7
00:00:26.920 --> 00:00:28.879
suggested ideas.

8
00:00:31.760 --> 00:00:34.520
Hello, and thank you for tuning in to a Sharp

9
00:00:34.640 --> 00:00:38.880
Outlook on pay for HD Radio and Talk or TV.

10
00:00:39.640 --> 00:00:43.079
Hi am Angela Sharp, your host. I'll arm to your

11
00:00:43.119 --> 00:00:47.240
discussions with industry experts will give you the steps, tools

12
00:00:47.280 --> 00:00:51.320
and information to be successful in business and to prepare

13
00:00:51.359 --> 00:00:53.280
you to be your best self.

14
00:00:55.159 --> 00:00:58.359
Hello, I'm Angela Sharp, and I'm so happy you can

15
00:00:58.439 --> 00:01:02.719
join me this morning or this afternoon or whatever your

16
00:01:02.719 --> 00:01:05.879
time zone is. We're going to talk about a very

17
00:01:05.959 --> 00:01:10.599
very important topic today that everyone that affects everyone.

18
00:01:11.359 --> 00:01:12.280
Money.

19
00:01:13.000 --> 00:01:15.560
Money is more than math, and today I want to

20
00:01:15.560 --> 00:01:21.400
tell you why that is. Today we're talking about something

21
00:01:21.879 --> 00:01:26.400
almost everyone deals with, but not everyone talks about it.

22
00:01:26.480 --> 00:01:29.000
Honestly, money stress.

23
00:01:30.319 --> 00:01:36.239
When people say I'm worried about money, they're usually talking

24
00:01:36.280 --> 00:01:39.920
about more than just numbers in a bank account. When

25
00:01:39.959 --> 00:01:43.799
people say they're stressed about money, are they really talking

26
00:01:43.799 --> 00:01:49.319
about numbers or are they talking about fear, pressure and

27
00:01:49.359 --> 00:01:55.000
the feeling that they're falling behind. They may be talking

28
00:01:55.040 --> 00:02:00.920
about rent, debt, rising costs, job in security, So the fear,

29
00:02:01.319 --> 00:02:05.599
the shame, the pressure, and the feeling of not being enough.

30
00:02:06.560 --> 00:02:09.800
There are so many things involved when we talk about money.

31
00:02:10.400 --> 00:02:15.000
It's more than you calling or getting online and looking

32
00:02:15.240 --> 00:02:17.719
to see what your bank account is. And in fact,

33
00:02:17.759 --> 00:02:21.680
some people you don't avoid looking because the numbers make

34
00:02:21.759 --> 00:02:28.199
them feel so terribly. Everyone worries about money differently. Money

35
00:02:28.240 --> 00:02:32.719
stress affects rich, believe it or not, middle income and

36
00:02:32.759 --> 00:02:37.319
struggling people in different ways. So in this episode today,

37
00:02:38.159 --> 00:02:40.879
I'm going to be breaking down money stress in three parts,

38
00:02:41.599 --> 00:02:49.879
the practical, the emotional, and the psychological experiences around money.

39
00:02:50.360 --> 00:02:57.000
Because money is never just math. It's also about security, identity,

40
00:02:57.240 --> 00:03:02.680
and control. Break down money into the practical, emotional, and

41
00:03:02.800 --> 00:03:06.560
psychological layers. We're going to talk about them in specifics.

42
00:03:06.680 --> 00:03:10.599
We're going to talk about what the characteristics are, and

43
00:03:10.639 --> 00:03:13.639
then we're going to talk about how to really handle

44
00:03:13.680 --> 00:03:18.039
it so that it's not affecting you into ways that

45
00:03:18.400 --> 00:03:22.120
you make decisions that are going to be life long

46
00:03:23.199 --> 00:03:28.680
lasting and could possibly cause you more problems than you've

47
00:03:28.719 --> 00:03:35.400
ever anticipated. So let's talk about the practical part of money,

48
00:03:36.000 --> 00:03:39.599
the practical side, because for many people, this is where

49
00:03:39.680 --> 00:03:44.639
the stress begins. Money stress often begins with the real

50
00:03:44.800 --> 00:03:50.639
life issue. The rent is too high, groceries cost more

51
00:03:50.680 --> 00:03:53.759
than what they used to. Credit card debt grows out

52
00:03:53.759 --> 00:03:57.280
of control, a lot of it right now because the

53
00:03:57.360 --> 00:04:01.479
interest rates on the credit cards has just climb to

54
00:04:01.560 --> 00:04:05.319
a level that is just I think it's shameful, but anyway,

55
00:04:06.560 --> 00:04:11.039
it's costing people income and they're finding that it is

56
00:04:11.080 --> 00:04:11.840
out of control.

57
00:04:12.840 --> 00:04:14.520
Money concerns often.

58
00:04:14.199 --> 00:04:19.680
Come from very real pressure, like not earning enough, trying

59
00:04:19.720 --> 00:04:23.519
to keep up with bills, dealing with debt, or feeling

60
00:04:23.600 --> 00:04:29.079
like every basic expense keeps getting more expensive. And this

61
00:04:29.160 --> 00:04:34.519
is our reality right now because we are in a

62
00:04:34.560 --> 00:04:40.199
situation where our economy is affecting everyone's household, especially when

63
00:04:40.199 --> 00:04:45.680
they go out. Their buying power has been reduced, and

64
00:04:45.759 --> 00:04:51.360
what they were able to spend on things, it's just

65
00:04:51.439 --> 00:04:56.279
beyond what they ever anticipated. The rents going up, groceries

66
00:04:56.319 --> 00:05:01.720
are going up, gasoline has gone up, and healthcare costs

67
00:05:02.360 --> 00:05:08.279
are aren't unaffordable almost, and even people who budget carefully

68
00:05:08.720 --> 00:05:13.959
can still feel the squeeze. There was the fear of

69
00:05:14.279 --> 00:05:18.240
unexpected expenses, and we all know what that could be,

70
00:05:18.399 --> 00:05:23.120
like a car repair, a medical bill, a job loss,

71
00:05:23.279 --> 00:05:28.000
or even one bad month can throw everything off. I

72
00:05:28.040 --> 00:05:29.959
was just thinking about that when I was saying a

73
00:05:29.959 --> 00:05:33.279
car repair. I went out to go get some pastries

74
00:05:33.959 --> 00:05:39.439
for Sunday brunch, and the car started and was driving

75
00:05:39.480 --> 00:05:42.040
and everything was fine. And then when I got back

76
00:05:42.040 --> 00:05:45.160
in the car, when I put the the goodies, I

77
00:05:45.199 --> 00:05:48.480
got back in the car and wouldn't start. I'm like,

78
00:05:48.639 --> 00:05:51.839
my goodness, one of the world is going on. And

79
00:05:51.920 --> 00:05:55.199
after an hour of waiting, well maybe two and a

80
00:05:55.240 --> 00:06:00.160
half hours waiting for a tow truck to come, we

81
00:06:00.199 --> 00:06:04.319
found out that the battery had died. I'm like, I

82
00:06:04.360 --> 00:06:07.639
never had an indicator saying it was time to change

83
00:06:07.639 --> 00:06:11.920
the battery, and I didn't realize how long the battery

84
00:06:11.920 --> 00:06:14.279
has been in there, so it was there longer than

85
00:06:14.319 --> 00:06:16.040
what it should have been, and it did die and

86
00:06:16.079 --> 00:06:19.000
it had to get a new battery. But I looked

87
00:06:19.040 --> 00:06:23.600
at all of the expense that was spent that you know,

88
00:06:24.160 --> 00:06:28.480
that Sunday just to get a battery, and I just

89
00:06:28.519 --> 00:06:32.360
think about those who don't have, you know, that emergency

90
00:06:32.879 --> 00:06:37.439
money in their bank. This had caused a lot of

91
00:06:37.920 --> 00:06:41.879
anxiety and a lot of problems, especially if your budget

92
00:06:41.959 --> 00:06:46.519
is extremely tight. So when people say they're stressed about money,

93
00:06:47.639 --> 00:06:51.040
sometimes what they really mean is I don't have enough

94
00:06:51.360 --> 00:06:58.079
margin for life to go wrong, and that's exhausting. What

95
00:06:58.120 --> 00:07:01.279
do people really mean when they say they're stressed about money?

96
00:07:02.360 --> 00:07:07.079
Is the problem? Lack of money lack of control are both?

97
00:07:08.639 --> 00:07:12.639
And how much of money stress is practical and how

98
00:07:12.759 --> 00:07:17.959
much of money stress is emotional? Why do people feel

99
00:07:18.040 --> 00:07:24.720
shame about financial struggle? Everyone's struggling, even if they're not struggling.

100
00:07:25.480 --> 00:07:29.600
It's not something that should make you feel shame or

101
00:07:29.680 --> 00:07:34.800
make you feel, you know, negative about yourself, or make

102
00:07:34.879 --> 00:07:39.240
you feel like you're failing or different things. How do

103
00:07:39.360 --> 00:07:44.399
family backgrounds and childhood affect adult behavior. There are a

104
00:07:44.439 --> 00:07:48.319
lot of things in your life, things that you've experienced,

105
00:07:48.319 --> 00:07:51.319
the things that you've heard growing up, things that you

106
00:07:51.360 --> 00:07:56.040
know you were going through that have an effect on

107
00:07:56.160 --> 00:07:59.879
you emotionally when you're dealing with ment money. Why do

108
00:08:00.120 --> 00:08:03.240
people avoid dealing with money even when they know they

109
00:08:03.240 --> 00:08:08.240
should so, because of the emotions that come up when

110
00:08:08.240 --> 00:08:12.920
they're dealing with money. Can earning more actually solve financial anxiety?

111
00:08:14.879 --> 00:08:21.279
I'm here to say sometimes, but in most cases it doesn't.

112
00:08:21.439 --> 00:08:24.240
Because most people, when they begin to get.

113
00:08:24.439 --> 00:08:25.560
More money.

114
00:08:27.079 --> 00:08:32.159
Earn more money, they also increase their level of spending.

115
00:08:32.840 --> 00:08:39.120
They move to bigger homes, they buy more expensive cars.

116
00:08:39.159 --> 00:08:43.960
And so how does social comparisons make money stressed worse?

117
00:08:45.159 --> 00:08:49.440
We're constantly comparing ourselves to others. We're constantly looking on

118
00:08:49.480 --> 00:08:54.840
social media and wanting to be like others. We're constantly

119
00:08:54.960 --> 00:08:58.919
looking to see when we are unable to do things,

120
00:09:00.279 --> 00:09:01.600
how that makes us feel.

121
00:09:02.120 --> 00:09:03.039
Then we end up.

122
00:09:02.960 --> 00:09:10.279
Becoming stressed and depressed. Practical money concerns are logical.

123
00:09:10.960 --> 00:09:11.559
They're real.

124
00:09:12.279 --> 00:09:18.399
The incomes not matching your expenses, rising cost of living,

125
00:09:18.480 --> 00:09:20.799
You're aware of it, and so there need to be

126
00:09:20.879 --> 00:09:25.440
decisions made about maybe cutting this spending, maybe shopping at

127
00:09:25.480 --> 00:09:29.519
a different store. Maybe you might not be able to

128
00:09:30.480 --> 00:09:33.960
through that vacation trip. So you have to be always

129
00:09:34.000 --> 00:09:39.080
alert and aware of economic changes that are happening. I

130
00:09:39.919 --> 00:09:42.840
do a training called swat in One of the things

131
00:09:42.879 --> 00:09:49.879
that you have to look at are outside influences that

132
00:09:50.000 --> 00:09:54.080
affect your organization and affect you personally, and you have

133
00:09:54.159 --> 00:09:57.639
to be aware that those things can happen at any

134
00:09:57.720 --> 00:09:59.279
time and it's going.

135
00:09:59.159 --> 00:10:01.279
To affect what you have.

136
00:10:02.720 --> 00:10:09.039
As disposable income, rising cost of living, debt, and monthly payments.

137
00:10:09.039 --> 00:10:12.000
We all know that the rents are going higher and

138
00:10:12.440 --> 00:10:16.200
home mortgages are going higher and different things like that.

139
00:10:16.279 --> 00:10:19.000
Are those that are trying to sell their homes. They're

140
00:10:19.159 --> 00:10:23.080
having difficulty selling their homes and even having to drop

141
00:10:23.120 --> 00:10:26.440
their asking price down to what they paid for it

142
00:10:26.519 --> 00:10:32.480
and have no profit on selling their home just because

143
00:10:32.600 --> 00:10:40.200
of the economics in our society today. Emergency expenses, it's

144
00:10:40.200 --> 00:10:43.519
something that you plan for, something that you want to

145
00:10:43.519 --> 00:10:47.399
set aside just in case of an emergency, and we

146
00:10:47.600 --> 00:10:53.360
never know when that emergency will happen, but it generally

147
00:10:53.440 --> 00:10:56.279
will happen because it's part of life.

148
00:10:57.000 --> 00:10:58.120
It's just life.

149
00:10:58.360 --> 00:11:04.399
It's not personal, it's just life. Job instability right now,

150
00:11:04.440 --> 00:11:10.480
there's a lot of job instability, and I don't know

151
00:11:10.679 --> 00:11:13.440
when it might be changing or if it's going to improve.

152
00:11:13.559 --> 00:11:19.000
There are areas specific areas where there aren't enough people

153
00:11:19.759 --> 00:11:23.159
in that particular industry or in that particular area. But

154
00:11:23.320 --> 00:11:25.840
then in places where a lot of people have been

155
00:11:25.879 --> 00:11:29.200
working for years and years and years. Companies are laying

156
00:11:29.200 --> 00:11:33.000
people off, companies are closing different things like that. So

157
00:11:33.120 --> 00:11:36.720
there's a lot of job instability that's happening.

158
00:11:37.000 --> 00:11:38.399
So these are real things.

159
00:11:39.080 --> 00:11:43.080
Housing affordability, just go out and look and see what

160
00:11:43.200 --> 00:11:46.639
the prices of housing is in comparison to what it

161
00:11:46.799 --> 00:11:50.639
was twenty years ago. It has changed a lot, it's

162
00:11:50.679 --> 00:11:54.840
increased a lot, So you have real issues. This isn't

163
00:11:54.919 --> 00:12:00.639
made up, This isn't something that doesn't have information facts

164
00:12:00.679 --> 00:12:04.559
to support it. So this is reality. This is what's

165
00:12:04.600 --> 00:12:10.840
happening right now. Saving for retirement or future goals, that's

166
00:12:10.879 --> 00:12:14.679
a little more difficult because just getting just getting by,

167
00:12:15.559 --> 00:12:20.519
just being able to pay gasoline prices and grocery shopping

168
00:12:20.960 --> 00:12:27.399
and rent and different things like that. It is real

169
00:12:28.399 --> 00:12:35.679
practical part of what is happening with money. Income feels uncertain,

170
00:12:36.279 --> 00:12:40.440
and yes, right now it does feel uncertain, but for

171
00:12:40.519 --> 00:12:42.440
most people, the stress doesn't.

172
00:12:42.120 --> 00:12:44.240
Stop at the bill itself.

173
00:12:45.759 --> 00:12:47.519
If we just were just looking at the bill, and

174
00:12:47.600 --> 00:12:50.159
we were just looking at the bank account, and we

175
00:12:50.159 --> 00:12:53.799
were just looking at these things and understanding that this

176
00:12:53.840 --> 00:12:58.159
is the practical part of life, let's just say, let's

177
00:12:58.200 --> 00:13:00.919
just tell the truth. What is money. It's a resource.

178
00:13:02.320 --> 00:13:06.639
It is specifically just a resource. It's not who you

179
00:13:06.679 --> 00:13:10.879
are as a person. It's not does it make you

180
00:13:11.080 --> 00:13:14.879
more powerful? I know people have looked at people that

181
00:13:15.000 --> 00:13:17.600
have a lot of money and they feel they're more

182
00:13:17.600 --> 00:13:20.440
powerful because they have more money. No, we have to

183
00:13:20.519 --> 00:13:25.120
understand our identity and who we are as a person

184
00:13:25.639 --> 00:13:29.360
is not based on the level of your bank account.

185
00:13:29.840 --> 00:13:33.440
It's based on the level of your heart, the level

186
00:13:33.600 --> 00:13:37.919
of your thoughts, the level of your ability to have

187
00:13:37.960 --> 00:13:42.879
compassion and empathy, the level of wanting to help others

188
00:13:43.080 --> 00:13:46.480
that are in need. That shows who you are as

189
00:13:46.480 --> 00:13:50.399
a person. It is not your bank account. You can

190
00:13:50.440 --> 00:13:53.240
have a whole lot of money and don't care about

191
00:13:53.279 --> 00:13:58.440
anybody else and miserable, and you do crazy stuff to

192
00:13:58.720 --> 00:14:03.399
entertain yourself because you can afford to do anything and everything.

193
00:14:03.440 --> 00:14:06.639
So you're bored, so you go into just all kinds

194
00:14:06.639 --> 00:14:11.759
of crazy stuff just to entertain yourself. And so money

195
00:14:11.879 --> 00:14:14.879
is not who you are as a person. It's just

196
00:14:14.919 --> 00:14:20.639
a resource that you use for bills, for travel, and

197
00:14:20.759 --> 00:14:26.600
for helping others. If you find that in your heart

198
00:14:27.200 --> 00:14:31.159
and in your thoughts and in your mind, in who

199
00:14:31.240 --> 00:14:36.399
you are as a person. That's when money can mean something,

200
00:14:36.440 --> 00:14:39.799
But it does not make you more powerful. It doesn't

201
00:14:39.799 --> 00:14:43.080
make you any different than any other person that is

202
00:14:43.639 --> 00:14:46.159
breathing and walking on the face of the earth. And

203
00:14:46.200 --> 00:14:49.360
this is something I talk about a lot. We are

204
00:14:49.440 --> 00:14:54.039
all human beings, we are all people. We are all

205
00:14:54.120 --> 00:15:01.879
here to fulfill a purpose that you you were created

206
00:15:02.039 --> 00:15:05.320
on this earth to do. And that purpose is more

207
00:15:05.559 --> 00:15:10.039
than just getting money. Your purpose is more than just

208
00:15:10.600 --> 00:15:17.559
buying things. Your purpose goes far deeper, more spiritual, more

209
00:15:17.639 --> 00:15:24.639
emotional than what you can ever imagine. But for most people,

210
00:15:24.679 --> 00:15:29.399
this stress doesn't stop. They look at the bills and

211
00:15:29.440 --> 00:15:34.360
then other things begin to happen. The money stress doesn't

212
00:15:34.399 --> 00:15:43.360
stay practical for long. It becomes emotional. People feel shame

213
00:15:44.639 --> 00:15:49.320
because they have debt. They feel guilt for spending money

214
00:15:49.320 --> 00:15:54.559
on anything enjoyable. They feel fear about not being able

215
00:15:54.600 --> 00:16:02.000
to provide for themselves and for their families. I could

216
00:16:02.039 --> 00:16:07.600
see that you would have some concerns, but let's see

217
00:16:07.600 --> 00:16:12.360
how deep those concerns go. And many feel deep pressure

218
00:16:12.519 --> 00:16:18.200
that they should be doing better than they are. It's

219
00:16:18.240 --> 00:16:23.200
a stress because you're living paycheck to paycheck. Is the

220
00:16:23.240 --> 00:16:29.080
fear of falling behind because you're comparing yourselves to friends

221
00:16:29.440 --> 00:16:33.320
or family, or someone else's idea of who you are.

222
00:16:34.759 --> 00:16:39.080
The shame around debt or low income, why are you ashamed?

223
00:16:40.919 --> 00:16:45.039
Everyone had a starting point unless you were born in

224
00:16:45.120 --> 00:16:48.759
a family that had generational wealth. We all had a

225
00:16:48.799 --> 00:16:54.120
starting point and the income was low. We also understood,

226
00:16:56.720 --> 00:16:59.240
unless we want to stay at that level, we have

227
00:16:59.320 --> 00:17:04.759
a choice to move to another income level. It may

228
00:17:04.839 --> 00:17:10.440
require some efforts, like maybe there's some education that needs

229
00:17:10.480 --> 00:17:12.960
to be done, some training that needs to be done,

230
00:17:13.400 --> 00:17:16.920
some skills that need to be learned, some experience that

231
00:17:17.000 --> 00:17:21.960
needs to be gotten, But staying at a low income

232
00:17:22.079 --> 00:17:28.400
level is a choice. It's not something emotional that you

233
00:17:28.440 --> 00:17:32.440
should have shame about. We all have to crawl.

234
00:17:33.039 --> 00:17:33.519
Remember that.

235
00:17:33.680 --> 00:17:38.440
Children, you start crawling, You start scooting first, and then

236
00:17:38.720 --> 00:17:42.359
you start crawling, and then you stand up and you're

237
00:17:42.359 --> 00:17:46.839
wiggling and it's difficult and you're scared and you're afraid

238
00:17:46.839 --> 00:17:50.079
you're gonna fall. But you make that first step and

239
00:17:50.160 --> 00:17:53.119
the eyes become big and bright, and you know what,

240
00:17:54.920 --> 00:17:59.839
You now have taken a second step, then you're running. Well,

241
00:18:00.440 --> 00:18:03.759
think of it. When you're starting your career. You start

242
00:18:03.799 --> 00:18:08.559
scooting and then you start crawling and then you take

243
00:18:08.599 --> 00:18:14.880
that first step into something that might be challenging, but

244
00:18:15.160 --> 00:18:17.839
it's the step that will take you into your future

245
00:18:18.279 --> 00:18:21.160
and where you really need to be going. So don't

246
00:18:21.160 --> 00:18:25.519
be afraid to make that step. But you can't make

247
00:18:25.559 --> 00:18:30.039
that step when you have swallowed up and surrounded yourself

248
00:18:30.440 --> 00:18:35.759
up with shame just because of debt or shame because

249
00:18:35.759 --> 00:18:40.400
your income is low. It's just an opportunity for you

250
00:18:40.480 --> 00:18:45.880
to look to analyze it and then to step in

251
00:18:46.720 --> 00:18:53.759
to a plan of changing that particular circumstance. Guild about

252
00:18:53.839 --> 00:18:59.160
spending money on enjoyment. When money is tight, money is low,

253
00:18:59.400 --> 00:19:02.880
you can feel guilty because you went to the movies,

254
00:19:03.400 --> 00:19:07.160
or you went to the spa, or you took a vacation.

255
00:19:08.160 --> 00:19:12.480
But when you start feeling those kinds of emotions, you

256
00:19:12.599 --> 00:19:20.160
might be putting your thoughts and your ideas into areas

257
00:19:20.279 --> 00:19:24.200
where your perspective is based on how much money you

258
00:19:24.279 --> 00:19:29.160
have instead of how much you love your family and

259
00:19:29.200 --> 00:19:32.160
how much joy you would have taking this trip. I'm

260
00:19:32.160 --> 00:19:35.240
not saying spend your rent money. I'm saying if you're

261
00:19:35.240 --> 00:19:40.000
planning and you have enough, then don't feel guilty on

262
00:19:40.160 --> 00:19:42.480
going and having a good time as part of life.

263
00:19:44.039 --> 00:19:47.359
You have days where you're not as happy. You have

264
00:19:47.400 --> 00:19:50.240
other days where there's lots of laughter, and there's days

265
00:19:50.279 --> 00:19:55.000
of enjoyment. Look at the earth, it's beautiful. I know

266
00:19:55.160 --> 00:19:58.599
there's some places there's been working really hard to destroy it,

267
00:19:58.880 --> 00:20:04.039
but majority of the earth is beautiful. The parks are wonderful,

268
00:20:04.599 --> 00:20:08.640
the woods are wonderful, the ocean is wonderful. And you

269
00:20:08.680 --> 00:20:14.440
know what, it was all created for your enjoyment. So

270
00:20:15.359 --> 00:20:19.000
let's go do what we're supposed to do, and go

271
00:20:19.039 --> 00:20:23.000
and enjoy the creation that was given to us. That

272
00:20:23.680 --> 00:20:29.480
helps us settle ourselves, That help us to center ourselves

273
00:20:29.519 --> 00:20:31.920
so that we can think, so that we can release

274
00:20:32.119 --> 00:20:36.480
this stress, so we can release these emotions and be

275
00:20:36.640 --> 00:20:41.319
able to come back and think clearly and feel clearly.

276
00:20:43.359 --> 00:20:47.160
Some of us is pressures to provide. We feel the

277
00:20:47.160 --> 00:20:52.440
pressure to provide for our children, our parents, or partner,

278
00:20:52.960 --> 00:20:57.599
our spouse. And then when the lack of money is there,

279
00:20:57.720 --> 00:21:05.000
then there becomes resentment or frustration. When you're working hard

280
00:21:05.079 --> 00:21:07.799
and it just doesn't seem to feel like it's enough,

281
00:21:08.200 --> 00:21:13.799
you begin to feel resentment, resentment on your job, frustration

282
00:21:14.000 --> 00:21:17.079
that you aren't getting paid what you feel you deserve

283
00:21:17.599 --> 00:21:21.319
or you feel that you should be receiving more. You

284
00:21:21.599 --> 00:21:26.799
feel exhaustion because you're constantly thinking about money and the

285
00:21:26.880 --> 00:21:32.480
lack thereof. You cannot be thinking constantly about money when

286
00:21:32.480 --> 00:21:35.160
you're thinking about a career. Yeah, you want to be paid,

287
00:21:35.200 --> 00:21:36.960
you want to be compensated, and you want to be

288
00:21:37.000 --> 00:21:40.559
compensated well for the level of work that you are providing.

289
00:21:41.359 --> 00:21:45.079
But you can't just focus your thoughts on money all

290
00:21:45.119 --> 00:21:49.279
the time. Because now I believe, within my heart, I

291
00:21:49.400 --> 00:21:54.240
believe you have now made money an idol, and it's

292
00:21:54.319 --> 00:21:58.400
like you're bowing to a resource that's there to use

293
00:21:58.960 --> 00:22:01.400
and not understanding what it.

294
00:22:01.319 --> 00:22:04.119
Really is and what it should be in your life.

295
00:22:04.400 --> 00:22:07.960
Just a resource and not something that you spend all

296
00:22:08.119 --> 00:22:11.480
your time, your dreams. Your money is your goals, your thoughts,

297
00:22:11.559 --> 00:22:17.960
your ideas is just about getting another dollar. You're missing

298
00:22:18.519 --> 00:22:23.000
parts of the enjoyment of life if you're constantly just

299
00:22:23.039 --> 00:22:30.440
thinking about money. Hope. You have hope tied to financial

300
00:22:30.640 --> 00:22:35.319
goals and stability. But hope is something that you should

301
00:22:35.359 --> 00:22:40.200
have because you have a spiritual relationship where you have

302
00:22:41.839 --> 00:22:45.359
an emotional relationship with people around you that love you,

303
00:22:45.440 --> 00:22:48.559
that are encouraging you, that care about you. They're not

304
00:22:48.799 --> 00:22:52.440
pointing their finger, they're not looking down on you. They

305
00:22:52.480 --> 00:22:55.720
are there. They are your support, they are your surrounding family.

306
00:22:55.920 --> 00:22:58.599
You are surrounded by love. You know how many people

307
00:22:58.680 --> 00:23:01.240
don't have that. We're not looking at the things that

308
00:23:01.279 --> 00:23:06.119
we have. And money is something if you plan, you

309
00:23:06.160 --> 00:23:09.279
can always get more of it. Don't let it become

310
00:23:09.720 --> 00:23:14.119
the god in your life, your only focus in life.

311
00:23:14.240 --> 00:23:18.680
Life has so much more to offer. Are we placing

312
00:23:18.759 --> 00:23:23.039
too much power in the popular concept of money?

313
00:23:24.160 --> 00:23:24.480
Are we?

314
00:23:25.240 --> 00:23:29.160
What makes money so emotionally charge is that it gets

315
00:23:29.240 --> 00:23:39.759
tied to our adulthood, our independence, our success responsibilities. So

316
00:23:39.920 --> 00:23:45.640
financial struggle can start to feel personal. Instead of saying,

317
00:23:45.759 --> 00:23:49.440
I'm dealing with a little hard financial situation right now,

318
00:23:50.880 --> 00:23:55.519
and I'm going to work through that. Instead you start

319
00:23:55.559 --> 00:24:02.119
thinking about your failing and you've placed that in your mindset.

320
00:24:02.839 --> 00:24:07.759
You're bringing on energy that will bring it to pass.

321
00:24:08.359 --> 00:24:09.240
If you think.

322
00:24:09.039 --> 00:24:14.559
That that emotional burden can just be as heavy as

323
00:24:14.559 --> 00:24:20.400
the bills themselves. So let's try not to slip into

324
00:24:20.480 --> 00:24:25.319
that level of thought when we're dealing with money. Money

325
00:24:25.319 --> 00:24:29.880
can also Now I've gone through the practical and the emotional,

326
00:24:30.160 --> 00:24:38.039
but money can also be emotional psychological, and that's what

327
00:24:38.079 --> 00:24:41.319
we're going to step into. Many of us grow up

328
00:24:41.359 --> 00:24:45.559
with beliefs about money before we ever even earn any.

329
00:24:46.400 --> 00:24:51.039
As a child, we start perceiving how our father provided,

330
00:24:51.279 --> 00:24:55.079
or our grandmother or our uncle or whomever was there to.

331
00:24:56.720 --> 00:24:57.759
Rear you.

332
00:24:57.759 --> 00:25:02.119
You start looking at them and psychologically you begin to

333
00:25:02.960 --> 00:25:07.319
form beliefs as to what you're supposed to do about money.

334
00:25:08.599 --> 00:25:11.119
Many of us grow up with beliefs about money before

335
00:25:11.160 --> 00:25:16.279
we earn it, and maybe money has always been scarce.

336
00:25:17.240 --> 00:25:22.039
So maybe spending was associated with guilt because maybe you

337
00:25:22.079 --> 00:25:24.759
grew up in a family that was not at the

338
00:25:24.799 --> 00:25:30.559
middle class and so funds were scarce, things were harder

339
00:25:30.599 --> 00:25:35.240
to get. You weren't able to run and take these

340
00:25:35.279 --> 00:25:39.119
expensive vacations or different things like that that others are doing.

341
00:25:39.680 --> 00:25:43.200
And so when you're growing up in an environment where

342
00:25:43.240 --> 00:25:49.039
there was this scarcity, you end up having psychological opinions

343
00:25:49.079 --> 00:25:53.880
about money itself. Maybe spending was associated with that guilt,

344
00:25:54.880 --> 00:26:00.759
and maybe success was measured by visible wealth. Nobody ever

345
00:26:00.799 --> 00:26:04.720
told you that money is just a resource and it's

346
00:26:04.799 --> 00:26:08.720
not something that determines who you are as an individual.

347
00:26:09.359 --> 00:26:13.200
It doesn't determine whether or not you're you're a good

348
00:26:13.240 --> 00:26:18.480
person or a bad person. Was it talked about openly

349
00:26:19.559 --> 00:26:23.519
at the table? Now, I have to say, as a child,

350
00:26:24.160 --> 00:26:28.039
we talked about money. My father broke down the things

351
00:26:28.119 --> 00:26:30.200
that we needed to know about money and what we

352
00:26:30.279 --> 00:26:33.680
needed to do with money and how to manage money.

353
00:26:33.920 --> 00:26:38.559
But we also realize it's just a resource and things happen,

354
00:26:39.279 --> 00:26:43.960
but it's just a resource. And then you identify how

355
00:26:44.039 --> 00:26:49.440
to get the resource, manage the resource, use the resource,

356
00:26:49.799 --> 00:26:55.680
invest the resource. Then you're not feeling guilty, you're not afraid,

357
00:26:55.960 --> 00:26:59.960
you're not a shame and all of these other moods

358
00:27:00.759 --> 00:27:08.119
because you were informed about money, money, mindset, scarcity versus abundance,

359
00:27:08.319 --> 00:27:16.480
thinking how childhood beliefs shaped your beliefs, your self worth

360
00:27:16.559 --> 00:27:23.039
an income you now have placed who you are and

361
00:27:23.079 --> 00:27:28.400
the value to how much you earn. You've actually allowed

362
00:27:28.519 --> 00:27:34.880
money to determine your value. You're saying, because I'm low income,

363
00:27:35.039 --> 00:27:36.079
I'm not valuable.

364
00:27:36.920 --> 00:27:37.599
Pooh, you at that.

365
00:27:39.200 --> 00:27:44.559
You are valuable because you were born. You are wonderful

366
00:27:44.680 --> 00:27:49.000
because you breathe every day, and it has nothing to

367
00:27:49.079 --> 00:27:51.319
do with how much money you earn.

368
00:27:52.480 --> 00:27:56.319
You are special, you are needed.

369
00:27:57.480 --> 00:28:03.400
We need one another, We want one another to be

370
00:28:03.559 --> 00:28:09.680
happy and survive. We have avoidance behavior not checking the

371
00:28:09.759 --> 00:28:17.279
bank accounts. That's how much we allow our psychological feelings

372
00:28:17.880 --> 00:28:21.480
affect us about money. We won't even check to see

373
00:28:21.720 --> 00:28:25.400
how much is in your bank account, or you don't

374
00:28:25.440 --> 00:28:27.640
open your bills, or you don't look.

375
00:28:27.519 --> 00:28:28.079
At your debt.

376
00:28:29.039 --> 00:28:31.759
Well, for one thing, I'm going to advise you you

377
00:28:31.759 --> 00:28:35.759
should look at your bank account daily because right now,

378
00:28:35.799 --> 00:28:42.519
with so much scamming and so much identity theft, you

379
00:28:42.759 --> 00:28:45.519
need to check right away to make sure there weren't

380
00:28:45.640 --> 00:28:48.599
charges or in your credit cards or in your bank

381
00:28:48.599 --> 00:28:53.079
accounts that are not yours, because then now you have

382
00:28:53.319 --> 00:28:57.079
even another situation where you've got to inform the bank.

383
00:28:57.200 --> 00:28:59.319
But if you're waiting weeks and weeks or months and

384
00:28:59.319 --> 00:29:02.880
months because you just don't want to look, I'm telling

385
00:29:02.920 --> 00:29:06.279
you you need to look because that's the responsible thing

386
00:29:06.359 --> 00:29:09.200
to do, and it has nothing to do with who

387
00:29:09.279 --> 00:29:13.440
you are as a person that you're not looking. You

388
00:29:13.559 --> 00:29:18.680
need to look because there are outside situations that could

389
00:29:18.799 --> 00:29:26.400
impact you. Some people, because of the psychological effects of money,

390
00:29:26.640 --> 00:29:31.000
begin to do impulse spending, you know, just as a

391
00:29:31.039 --> 00:29:38.079
comfort or an escape or to settle that emotion. That

392
00:29:38.160 --> 00:29:41.599
you're feeling, and psychologically you say to yourself, Oh, I

393
00:29:41.680 --> 00:29:44.799
just got to go, you know, and do something to

394
00:29:44.839 --> 00:29:47.799
make myself happy. So you go and do impulse spending

395
00:29:48.160 --> 00:29:51.880
and not and it ends up generally not being part

396
00:29:51.880 --> 00:29:58.160
of your monthly budget. Financial anxiety, and the worst case

397
00:29:58.200 --> 00:30:02.839
thinking in control. Why money can feel like it has

398
00:30:02.920 --> 00:30:06.039
control over your life, it's because you have placed it

399
00:30:06.079 --> 00:30:12.240
in that position. It is a resource, that's all. It

400
00:30:12.279 --> 00:30:18.519
is something that you use for daily spending or monthly

401
00:30:18.559 --> 00:30:24.160
spending or yearly spending, but it is not something that

402
00:30:24.640 --> 00:30:27.680
you should give it control over your life, so that

403
00:30:27.799 --> 00:30:30.799
you don't even have a life. You don't think about

404
00:30:30.839 --> 00:30:34.680
anything else. Your laughter has now gone. You're in depression,

405
00:30:34.960 --> 00:30:39.160
you're in distress. You're dreaming about it every night. You

406
00:30:39.599 --> 00:30:43.000
have placed money in a position that that's not where

407
00:30:43.000 --> 00:30:50.559
it belongs. It's just a resource decision, fatigue, constant financial pressure.

408
00:30:51.880 --> 00:30:57.279
Put together a budget so that you know how your

409
00:30:57.279 --> 00:31:01.079
money is being managed and when, and always remember to

410
00:31:01.079 --> 00:31:05.119
put a little something aside in a savings account or

411
00:31:05.119 --> 00:31:08.440
in an account that you're not going to be touching regularly,

412
00:31:08.839 --> 00:31:12.920
just for the emergencies so you don't have to be stressed.

413
00:31:13.200 --> 00:31:21.240
You've covered it. And the psychology of money is in

414
00:31:21.319 --> 00:31:29.240
most cases is there's never enough. You're always having that

415
00:31:29.359 --> 00:31:40.880
scarcity mindset. Childhood beliefs about money causes those psychological feelings, avoidance, behavior, impulse,

416
00:31:40.920 --> 00:31:47.160
spending for comfort, self worth tied to income, social comparisons.

417
00:31:47.680 --> 00:31:52.799
Stop comparing yourself to other people. They've got their path,

418
00:31:53.079 --> 00:31:56.160
they have their road, they have their journey, and you

419
00:31:56.319 --> 00:31:56.960
have yours.

420
00:31:58.319 --> 00:31:59.680
You don't need to be them.

421
00:32:00.200 --> 00:32:04.480
Need to be you and getting into what it is

422
00:32:04.519 --> 00:32:08.920
that makes you happiest and developing into your own business,

423
00:32:09.079 --> 00:32:13.559
becoming an entrepreneur or getting your career starting at the

424
00:32:14.039 --> 00:32:18.880
level where you're beginning like you're crawling, but then you

425
00:32:18.960 --> 00:32:21.480
continue to grow into the point you're able to run

426
00:32:22.519 --> 00:32:27.200
and run the business that's your goal, But it's only

427
00:32:27.519 --> 00:32:32.480
because that's the career path you want for the resources

428
00:32:33.119 --> 00:32:36.160
for other dreams that you have in your life, but

429
00:32:36.279 --> 00:32:40.119
it's not who you are as a person. Don't allow

430
00:32:40.279 --> 00:32:46.640
money to determine your self worth. And there's social comparisons

431
00:32:48.519 --> 00:32:54.359
and never thinking, never never enough thinking. Take it out

432
00:32:54.400 --> 00:33:00.599
of your mind. People don't always make money decisions logically.

433
00:33:00.759 --> 00:33:05.920
Sometimes they avoid looking at their accounts, They overspend, under stress.

434
00:33:07.599 --> 00:33:12.119
They believe their worth depends on income of success or success.

435
00:33:13.119 --> 00:33:16.680
That's why some people avoid checking their accounts, some overspend,

436
00:33:17.400 --> 00:33:25.359
some save obsessively, but still never feel safe. Some you've

437
00:33:25.400 --> 00:33:30.359
tied your self worth directly into your income, and the

438
00:33:30.400 --> 00:33:32.880
social comparisons really make it worse.

439
00:33:33.279 --> 00:33:34.039
Please don't do that.

440
00:33:35.039 --> 00:33:37.559
You look around and you think everybody else is ahead,

441
00:33:37.759 --> 00:33:42.079
everybody's buying homes, everybody's taking trips, everybody's building well, and

442
00:33:42.200 --> 00:33:46.440
suddenly your financial life feels like a reflection of your value.

443
00:33:47.920 --> 00:33:51.599
That's where money stops being a tool, a resource, and

444
00:33:51.680 --> 00:33:54.119
starts becoming an emotional.

445
00:33:54.039 --> 00:33:59.640
Scoreboard with them. Things that I would.

446
00:33:59.480 --> 00:34:04.119
Like to say, as I have talked about the practical,

447
00:34:04.839 --> 00:34:08.719
we understand the practical point. You have debts, you pay them.

448
00:34:08.840 --> 00:34:12.639
You have home bill, you know expenses that have to

449
00:34:12.800 --> 00:34:16.039
pay it besides your rent or your mortgage. You have

450
00:34:16.119 --> 00:34:23.000
your utilities, you have insurance, you have a car, you

451
00:34:23.079 --> 00:34:26.639
have maintenance. I mean, so when you are putting together

452
00:34:26.760 --> 00:34:32.599
a budget for your spending, for your needs, for your

453
00:34:32.679 --> 00:34:37.119
resource to be used in a specific way, you already

454
00:34:37.159 --> 00:34:41.400
know what it's going to be. Then you're not going

455
00:34:41.480 --> 00:34:43.880
to be a stressed But if you just sit there

456
00:34:43.920 --> 00:34:46.360
and not open the bills, not put out a budget,

457
00:34:46.679 --> 00:34:49.639
not know or plan what's getting ready to happen. You

458
00:34:49.719 --> 00:34:52.360
just let things come upon you and then you're surprised.

459
00:34:52.760 --> 00:34:56.719
Then the stress comes. The stress comes, and it affects

460
00:34:56.760 --> 00:34:59.440
you emotionally and psychologically.

461
00:35:01.360 --> 00:35:02.559
So what helps.

462
00:35:03.960 --> 00:35:08.280
On the practical side, Clarity helps. This is what I'm

463
00:35:08.320 --> 00:35:11.119
talking about, having a clear idea as to what it

464
00:35:11.239 --> 00:35:15.920
is that you should be doing, looking honestly at spending,

465
00:35:16.079 --> 00:35:21.000
creating a simple plan, building even a small emergency fund,

466
00:35:21.559 --> 00:35:26.119
and tackling one financial pressure point one at a time.

467
00:35:27.559 --> 00:35:30.840
That will help but reduce the chaos some of the problems.

468
00:35:31.519 --> 00:35:34.119
Because you don't have a plan set up, and you

469
00:35:34.199 --> 00:35:39.360
haven't you know, organized your spending and how you use

470
00:35:39.440 --> 00:35:44.559
money and resource money, you've created chaos and that chaos

471
00:35:44.679 --> 00:35:49.079
is causing the stress. Put together a little plan, put

472
00:35:49.079 --> 00:35:54.599
together a little budget. Hey, you probably have your.

473
00:35:56.199 --> 00:35:57.239
Phone in front of you.

474
00:35:59.159 --> 00:36:02.559
Talk since you're since you're talking to AI for a

475
00:36:02.559 --> 00:36:05.639
whole lot of other things, ask it to give you

476
00:36:05.800 --> 00:36:10.159
a budget, give it the information it'll give you the budget,

477
00:36:10.719 --> 00:36:15.679
and then follow the budget and save it so that

478
00:36:15.760 --> 00:36:19.679
you can use it on a regular basis. And that

479
00:36:19.760 --> 00:36:23.480
way you don't have the chaos. You know the date

480
00:36:23.519 --> 00:36:25.840
when the bill is due, you know how much is

481
00:36:25.880 --> 00:36:28.239
going to be due, you know what needs to be

482
00:36:28.280 --> 00:36:31.559
spent for the next thirty days, and you can rest

483
00:36:31.760 --> 00:36:36.119
in between and not be thinking about money all the time.

484
00:36:37.159 --> 00:36:44.880
On the emotional side, self compassion matters. Financial struggle is

485
00:36:44.960 --> 00:36:48.199
not proof of personal failure. A lot of people are

486
00:36:48.239 --> 00:36:53.760
carrying economic pressure that has nothing to do with worth

487
00:36:54.639 --> 00:37:00.559
or laziness, has to do with how you perceive what

488
00:37:00.679 --> 00:37:01.760
money really is.

489
00:37:02.960 --> 00:37:03.440
And on the.

490
00:37:03.400 --> 00:37:08.559
Psychological side, awareness is powerful. If you can identify your

491
00:37:08.639 --> 00:37:16.760
money patterns, avoidance, guilt, comparison, fear can start changing your response,

492
00:37:17.800 --> 00:37:24.480
not overnight, but gradually. It will change your response gradually

493
00:37:24.559 --> 00:37:27.400
if you are But you need to be aware when

494
00:37:27.519 --> 00:37:31.920
money is beginning to affect you psychologically to the point

495
00:37:32.000 --> 00:37:34.920
you are beginning to feel like you don't want to

496
00:37:34.960 --> 00:37:37.280
go look and see what's in the bank account, or

497
00:37:37.280 --> 00:37:39.159
you don't want to look and see what bills are.

498
00:37:39.079 --> 00:37:43.639
Do you start feeling that guilt and you start feeling

499
00:37:43.800 --> 00:37:47.840
fear and anxiety daily.

500
00:37:49.199 --> 00:37:52.920
Sometimes the first step is simply to name the truth.

501
00:37:53.280 --> 00:37:57.559
This is not just about money, This is about what

502
00:37:57.800 --> 00:38:03.239
money represents to me and ask yourself that what does

503
00:38:03.360 --> 00:38:05.159
money represent to me?

504
00:38:07.440 --> 00:38:11.159
What does it mean? How does it make me feel?

505
00:38:11.840 --> 00:38:14.119
What are some of the things that I feel about

506
00:38:14.199 --> 00:38:19.199
myself because of maybe not enough this month. You can't

507
00:38:19.719 --> 00:38:24.400
let your whole life be blown out because this month

508
00:38:24.400 --> 00:38:28.639
there was an emergency bill and you hadn't set aside

509
00:38:28.840 --> 00:38:32.960
an emergency fund, and so now you're trying to rob

510
00:38:33.000 --> 00:38:35.840
Peter to pay Paul, or you're having to try to

511
00:38:35.880 --> 00:38:39.480
figure out some other things or make some adjustments, and

512
00:38:39.519 --> 00:38:43.679
then you want to start feeling poorly or badly about

513
00:38:43.679 --> 00:38:49.079
yourself because of the pressure. Planning will alleviate some of

514
00:38:49.119 --> 00:38:57.800
that pressure, but you have to avoid those emotional and

515
00:38:57.880 --> 00:39:04.719
psychological things. So let's talk about the takeaways. Money stress

516
00:39:04.960 --> 00:39:09.280
has layers. We've gone through them. There's a practical layer,

517
00:39:13.000 --> 00:39:18.679
the bills, the debt, the cost, the income, and those

518
00:39:18.760 --> 00:39:24.840
are just numbers. That's when money is math. When you're

519
00:39:24.880 --> 00:39:29.199
talking about the bills, the debt, the cost, and the income,

520
00:39:29.840 --> 00:39:34.559
that's when money is math. Just put it in a

521
00:39:34.599 --> 00:39:37.159
little budget and you can see it, and you can

522
00:39:37.239 --> 00:39:40.280
look at it, and you're able when you visually look

523
00:39:40.320 --> 00:39:44.000
at it, you can see that it's just math. And

524
00:39:44.079 --> 00:39:47.199
when you're looking at that math, you can see where

525
00:39:47.440 --> 00:39:52.039
there's shortages and where you need to make decisions and

526
00:39:52.119 --> 00:39:57.239
make changes. And if you're wanting something more and you're

527
00:39:57.280 --> 00:40:01.519
wanting a different lifestyle than you also gives you an

528
00:40:01.519 --> 00:40:05.800
opportunity to start thinking, Okay, I need to make this

529
00:40:06.000 --> 00:40:10.480
amount of money to be able to afford these other

530
00:40:10.679 --> 00:40:14.719
things that I want in life, not looking down at

531
00:40:14.719 --> 00:40:17.480
yourself because you can't afford them now, So no, I

532
00:40:17.559 --> 00:40:21.000
must be terrible, or I'm just not right, or no,

533
00:40:21.719 --> 00:40:27.719
it's time to step up from crawling to walking. That

534
00:40:27.840 --> 00:40:32.840
means maybe getting into a new career or the first

535
00:40:32.840 --> 00:40:37.800
steps of it, owning your own business, or whatever it

536
00:40:37.880 --> 00:40:42.039
might be. You have the right and the ability to

537
00:40:42.159 --> 00:40:50.360
change those thoughts on that idea. That's the practical, get

538
00:40:50.400 --> 00:40:54.400
that taken care of. First look at it and analyze

539
00:40:54.480 --> 00:40:58.199
it and know that this is just math. Let me

540
00:40:58.320 --> 00:41:02.000
do the math. Okay, i'm short here, what am I

541
00:41:02.079 --> 00:41:05.920
going to do? And then you figure out what you're

542
00:41:05.920 --> 00:41:09.800
going to do and if it means okay, I might

543
00:41:09.880 --> 00:41:12.079
have to take a part time job just to clear

544
00:41:12.119 --> 00:41:15.159
out some of this so that it's not so chaotic,

545
00:41:15.559 --> 00:41:18.840
or I'm not running short all the time, or maybe

546
00:41:18.880 --> 00:41:23.000
I don't have this emotional spending because it is going

547
00:41:23.079 --> 00:41:25.679
to cause you chaos. It's going to cause you emotional

548
00:41:26.440 --> 00:41:30.960
fatigue because you can't meet the math. But keep in

549
00:41:31.000 --> 00:41:34.960
mind we're just talking about math. The income is what

550
00:41:35.039 --> 00:41:37.400
you have. The bills are what you have to pay out.

551
00:41:37.719 --> 00:41:40.960
You subtract them at the bottom, and this is what's left.

552
00:41:41.880 --> 00:41:44.920
And if it's short, you have to come up with plans.

553
00:41:45.519 --> 00:41:51.599
But don't beat yourself up. Then is there the emotional layer.

554
00:41:53.480 --> 00:41:57.000
You see the math, it's the practical part, but there's

555
00:41:57.039 --> 00:42:02.960
their emotional layer. The fear, the shame, the pressure, the guilt.

556
00:42:03.320 --> 00:42:08.480
You have to understand that's coming from some other external source,

557
00:42:09.360 --> 00:42:13.079
whether it was something that you've heard or you learned

558
00:42:13.199 --> 00:42:16.519
as a child, or you watch as your father or

559
00:42:16.559 --> 00:42:21.199
your parents were working, or being growing up in a

560
00:42:21.239 --> 00:42:25.079
low income family and you're thinking, oh my gosh, I

561
00:42:25.119 --> 00:42:28.159
don't want to be here, but you're living in fear

562
00:42:28.320 --> 00:42:31.400
because of something that happened in the past. This is

563
00:42:31.480 --> 00:42:35.480
your life. You get to choose what you do. You

564
00:42:35.599 --> 00:42:40.920
get to make decisions. Even with all the obstacles out there,

565
00:42:41.039 --> 00:42:46.360
there's always a door to get around all that garbage.

566
00:42:46.719 --> 00:42:51.519
Look for the open door and step into it, and

567
00:42:51.599 --> 00:42:55.679
it makes it difficult to step into an opportunity when

568
00:42:55.760 --> 00:42:59.599
you have allowed the emotions of the lack of money

569
00:43:00.079 --> 00:43:03.679
to create so much fear and shame and pressure and

570
00:43:03.760 --> 00:43:08.039
guilt that you don't even have the confidence or don't

571
00:43:08.039 --> 00:43:12.119
have the ability to even six be successful when you're

572
00:43:12.119 --> 00:43:15.039
taking that other step, because you've allowed money to beat

573
00:43:15.079 --> 00:43:18.320
you up because you don't put it in its right place.

574
00:43:18.920 --> 00:43:25.360
It's just what you use, not uses you. I hope

575
00:43:25.360 --> 00:43:29.880
you're understanding what I'm saying. And then there's a psychological layer,

576
00:43:31.159 --> 00:43:35.079
like I said, the beliefs, the habits, the identity, and

577
00:43:35.119 --> 00:43:40.800
the comparison comparing yourself to others. You shouldn't be doing

578
00:43:40.840 --> 00:43:45.519
that anyway. Everybody has their own journey. I can't be you,

579
00:43:45.519 --> 00:43:48.800
you can't be them, which is are who we are

580
00:43:49.199 --> 00:43:53.960
and we are our best selves. Do you understand you're

581
00:43:54.119 --> 00:43:59.400
so unique that you have a separate thumb print fingerprint

582
00:44:00.000 --> 00:44:02.920
it does not match anyone else in the world. That's

583
00:44:03.000 --> 00:44:08.280
how unique you are. Understand you were unique. You're powerful,

584
00:44:08.599 --> 00:44:13.719
and you're capable and not carry on all of these

585
00:44:14.119 --> 00:44:19.360
psychological and emotional things that you gathered over the years

586
00:44:19.440 --> 00:44:24.920
as you were becoming an adult, maybe conversations that you

587
00:44:25.039 --> 00:44:28.800
had as a child or with your family that were

588
00:44:28.840 --> 00:44:32.159
there trying to motivate you, but maybe it wasn't quite

589
00:44:32.280 --> 00:44:35.599
said the right way, or maybe it was said the

590
00:44:35.679 --> 00:44:40.159
right way, but you, being a child listening, your perception

591
00:44:40.639 --> 00:44:46.039
and your perspective got slightly twisted to the point you

592
00:44:46.199 --> 00:44:50.039
really didn't understand what they were saying about money.

593
00:44:50.599 --> 00:44:52.199
Yes, some grow up in.

594
00:44:53.679 --> 00:44:56.760
Homes where there's shortage, and so that gives you a

595
00:44:56.800 --> 00:45:05.000
certain psychological feeling about yourself, and it creates identities that

596
00:45:06.079 --> 00:45:09.360
you don't seem to be able to shed off. But

597
00:45:09.480 --> 00:45:16.280
I'm asking you identify those emotions, identify those feelings, identify

598
00:45:16.800 --> 00:45:21.719
those stories, identify those beliefs, and put them in perspective.

599
00:45:22.480 --> 00:45:25.199
It's something that you heard as you were growing up.

600
00:45:25.400 --> 00:45:29.360
But now that you are an adult and you are

601
00:45:29.920 --> 00:45:33.079
dealing with money yourselves, you get to make the choices,

602
00:45:33.599 --> 00:45:36.880
you get to make the steps, you get to go forward,

603
00:45:37.280 --> 00:45:40.079
and you get to make the changes. If we only

604
00:45:40.599 --> 00:45:45.599
focus on the math, we miss the human experience underneath it.

605
00:45:47.000 --> 00:45:51.760
But we can't also only focus on the emotional because

606
00:45:51.800 --> 00:45:55.440
then we're going to be dealing with fear and shame,

607
00:45:55.679 --> 00:46:00.960
and anxiety and pressure and guilt. And if we only

608
00:46:01.000 --> 00:46:04.559
focus on the psychological and don't do anything about it,

609
00:46:04.760 --> 00:46:09.719
we're going to have beliefs and habits and identities and comparisons,

610
00:46:10.079 --> 00:46:13.000
and we're going to have so much stress going on

611
00:46:13.960 --> 00:46:20.840
that what was a simple add and subtraction situation, the

612
00:46:20.920 --> 00:46:25.280
practical layer of money, has now blown up into something

613
00:46:25.360 --> 00:46:29.719
that is almost difficult to control. In fact, the money's

614
00:46:29.760 --> 00:46:33.280
controlling you instead of you controlling that resource.

615
00:46:34.440 --> 00:46:42.440
That's all it is a resource to buy and to sell.

616
00:46:42.599 --> 00:46:42.800
You know.

617
00:46:42.920 --> 00:46:46.599
I hope that you know I'm saying something can really

618
00:46:47.079 --> 00:46:51.360
make changes in your life. I really appreciate and thanks

619
00:46:51.440 --> 00:46:57.119
for listening. And I want you to keep this in mind.

620
00:46:57.199 --> 00:47:00.440
And I hope that you go and take this video

621
00:47:00.599 --> 00:47:02.719
and you share it with friends, you share it with

622
00:47:02.800 --> 00:47:07.719
others that you know, and help them understand that money

623
00:47:08.159 --> 00:47:11.920
isn't the power. You have the power, it's just how

624
00:47:11.960 --> 00:47:15.760
do you perceive money, How do you look at money?

625
00:47:16.639 --> 00:47:19.480
Money is a resource, It's not something that should have

626
00:47:19.519 --> 00:47:25.880
control over you. If this episode is making you reflect

627
00:47:26.119 --> 00:47:29.039
on your own relationship with money, I want you to

628
00:47:29.119 --> 00:47:34.920
ask yourself what part of money stress affects me the most?

629
00:47:35.719 --> 00:47:40.199
The practical side of it, the math. Remember, it's just

630
00:47:40.440 --> 00:47:44.039
the income coming in, the expense is going out, and

631
00:47:44.159 --> 00:47:47.679
the bottom line and if it's short you know there's

632
00:47:47.719 --> 00:47:50.639
another step or decision you need to make to wipe

633
00:47:50.679 --> 00:47:57.239
out that shortage. Or are you looking at it for

634
00:47:57.360 --> 00:48:03.199
the emotional is when you're really looking at your relationship

635
00:48:03.239 --> 00:48:09.719
with money? Is it emotional? You fear fearful? Are you

636
00:48:09.800 --> 00:48:14.239
carrying shame? Are you carrying guilt? Are you pressured about money?

637
00:48:15.840 --> 00:48:22.280
Are you willing to do just about anything for money? Now?

638
00:48:22.400 --> 00:48:28.119
Money's got control over you? Or is it psychological? It's

639
00:48:28.199 --> 00:48:33.119
coming from things that you've learned over the years, habits

640
00:48:33.159 --> 00:48:38.039
and behaviors and beliefs that were implanted as a child,

641
00:48:38.159 --> 00:48:40.679
or as you were growing up, or even when you're

642
00:48:40.719 --> 00:48:42.280
maybe even school.

643
00:48:42.000 --> 00:48:43.440
The way it was taught to you.

644
00:48:46.519 --> 00:48:48.840
It's something that I would like you to really consider

645
00:48:49.000 --> 00:48:52.559
because right now I see in social media an awful

646
00:48:52.639 --> 00:48:56.800
lot of stress over money. Let's put it in perspective

647
00:48:57.400 --> 00:49:00.000
so we don't allow it to make us the next day,

648
00:49:00.280 --> 00:49:05.880
make us physically ill. Our emotions do affect our health

649
00:49:06.440 --> 00:49:12.840
and it can make us ill. So, as I mentioned before,

650
00:49:13.000 --> 00:49:16.199
let's look at money, look at the practical side of it,

651
00:49:16.800 --> 00:49:19.159
look at the emotional side of it, look at the

652
00:49:19.639 --> 00:49:24.119
psychological side of it, and see what is really affecting

653
00:49:24.159 --> 00:49:29.960
you with money on a daily basis. I appreciate you

654
00:49:30.800 --> 00:49:34.880
joining and watching today, and please share this with anyone

655
00:49:34.920 --> 00:49:38.480
that you feel needs to understand money. We're going to

656
00:49:38.920 --> 00:49:41.800
have other lessons talking about now that you have money,

657
00:49:42.039 --> 00:49:46.440
how do you use money, how do you invest money,

658
00:49:46.599 --> 00:49:49.159
and how do you make money work for you? That

659
00:49:49.280 --> 00:49:53.079
will be coming up soon. So if you enjoy these discussions,

660
00:49:53.199 --> 00:49:58.079
I'm asking you to subscribe to a Sharp Outlook and

661
00:49:58.920 --> 00:50:01.920
send a comment to at my email. I'd like to

662
00:50:01.960 --> 00:50:05.159
hear your feedback and other topics that you would like

663
00:50:05.199 --> 00:50:09.679
me to discuss. That's a Sharp Outlook at gmail dot com.

664
00:50:09.719 --> 00:50:13.119
A S H A R P E O U T

665
00:50:13.639 --> 00:50:18.880
l o ok at gmail dot com. I love talking

666
00:50:18.880 --> 00:50:22.119
with you and sharing with you because I'd love to

667
00:50:22.159 --> 00:50:26.280
give information, because information is knowledge and knowledge gives you

668
00:50:26.360 --> 00:50:30.920
ability to make decisions. And so, as I say at

669
00:50:30.920 --> 00:50:36.679
the end of each show, I want you to stay informed.

670
00:50:40.320 --> 00:50:42.440
I want to thank you for joining us on a

671
00:50:42.559 --> 00:50:46.280
Sharp Outlook. We have been informed and energized to take

672
00:50:46.320 --> 00:50:50.000
the next steps. We don't posted links to websites and

673
00:50:50.119 --> 00:50:53.920
videos to learn more on today's topic. Please join us

674
00:50:53.960 --> 00:50:58.280
again next week or another thought provoking conversation right here

675
00:50:58.679 --> 00:51:02.239
on key for h you Radio and Talk for TV.

676
00:51:03.159 --> 00:51:07.280
Listen to the podcast on all the podcast apps, and

677
00:51:07.400 --> 00:51:09.960
until next week, stay informed