October 16, 2025 • 37 mins
After walking through more than 100 family budgets, I can tell you one thing for sure: nobody’s perfect—but the patterns are powerful. In this episode, I’m sharing the biggest lessons I’ve learned from families of all kinds about what really makes a budget work. From overcoming shame and overwhelm to aligning your money with your values, this is your invitation to build a budget that feels like freedom, not frustration.
In this episode you’ll learn:
- Why perfectionism kills progress (and what to aim for instead)
- The 3 emotional roadblocks every family faces: shame, overwhelm, and confusion
- How to align your budget with your values so it actually works long-term
- Why high income doesn’t fix poor money habits—and what truly does
- The simple systems that help families stay consistent and calm with their money
Want to make generosity part of your legacy?
Join the free Legacy Builders Network on Facebook for our upcoming Give Thanks and Give Back Challenge—7 days of practicing gratitude with your money and giving with purpose.
Feeling stuck in financial stress? Celebrate your own Independence Day with a 1:1 Budget Deep Dive. Get clarity, ditch overwhelm, and build a simple, values-based plan that works. Just 7 spots available before rates increase in September. Book now at https://accelerateyourlegacy.com/budget-deep-dive
Learn more about working with Laura Sexton
. Join the Facebook group Legacy Builders Network.
· Become a master with your money. Learn more here!
· Checkout the resource library here!
Want to ask a question Laura can answer on the podcast? Connect with her here!
Want to receive a live money or career audit? Apply Here
Send an email to Laura@AccelerateYourLegacy.com or send a DM on Instagram @accelerateyourlegacy
Elevate your coaching with daily devotionals and prayers from 'Seasoned with Salt.' Get your copy HERE!
Mark as Played
Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Laura (00:00):
You wanna know what a hundred plus family budgets all
reveal?
Spoiler.
Nobody's perfect, but thepatterns are powerful.
hello and welcome to money andcareer mastery from overwhelmed
to ownership.
I'm Laura Sexton, your abundanceand legacy coach here to help
(00:20):
you navigate the world of money,debt payoff, and career growth
with confidence and clarity.
In this podcast, we'll tacklethe financial and career
challenges, holding you back,optimize your income and build
the freedom that comes with trueownership.
If you're ready to break freefrom overwhelm, create a budget
that aligns with your values anddesign a legacy that empowers
(00:41):
future generations.
You're in the right place.
Hey, accelerators, after walkingthrough over a hundred
personalized budgets with manydifferent types of families.
I have started to see that thesame struggles and breakthroughs
come over and over.
At first, I thought eachperson's story was gonna be
(01:02):
completely unique, but the truthof the matter is most of us
fight the same battles withmoney.
It's all just in differentpackaging.
So if you've ever thought thatyou're the only one that
struggles to stay on track,you're not.
Let's talk today about what I'veseen.
I get in again, and what it'staught me about building a
budget that actually works.
This is really gonna help youtoday.
(01:23):
So number one, nobody's perfect.
That's also not the goal.
Everyone is, everybody thatcomes to me thinks that their
mess is absolutely unique, andin some ways they're right.
No two stories are exactlyalike, but the feelings that I
see, they're universal.
(01:46):
Shame, overwhelm, confusion.
These are the top three painpoints.
Yes, there's debt.
Yes, there's lack of savings,there's disorganization, but
shame, overwhelming confusioncome in almost every package in
(02:06):
some way or another.
When we sit down to make abudget, what we're looking for
is clarity, and we're lookingfor choices.
Now in the month of September,my husband and I had a no spend
month.
We decided the entire month,which was funny because I was
running a yes spend challengeinside my Facebook group, but it
was really difficult because Ihad to train myself to say.
(02:30):
No, because we had a really biggoal for October.
Something exciting for ourfamily was happening and we
needed to make sure that we hadthe money set aside.
So we were saying yes to thatbig future expense and no for
the little things during themonth.
But when I made the decisionthat it was a no spend month, it
was easier for me to say no.
(02:52):
It was easier for my children tohear the word no, and they go,
September over yet over and overand over again.
I heard this from them, which isreally funny.
They knew there's a hard andfast rule and it makes it
easier.
So the budget is about clarity.
It's about choice, and it'snever about perfection.
When people expect perfection,they quit.
(03:13):
They quit the first time theyoverspend.
The first time they made amistake.
The first time they gotoverwhelmed with making of the
budget because if it's notperfect, how can I ever follow
it?
Oh, friends.
Perfection is a myth.
Nothing's ever perfect.
A budget that ignores yourvalues will fail every time.
(03:35):
Families who succeed in aligningtheir money with what matters
most, be it debt freedom,travel, giving flexibility,
whatever it is.
If they can align their moneywith what matters to them, not
what's convenient, not whatever,unless convenience is one of
your, success meters, right?
(03:55):
But just doing things out ofhabit, doing things, because
it's always been done this waydoing things because your
parents did this way, that's notgonna help you succeed.
You have to align with whatmatters most to you.
What matters most in the grandscheme of things, that's what's
going to help you succeed.
When your budget doesn't reflectyour values, it feels like a
(04:16):
punishment instead of purefreedom.
I can tell you that one of myfavorite things in the month of
October is getting to put theHalloween column on our, on our
budget.
Now, I don't like Halloween.
I'm not gonna get into how muchI dislike the gory, the scary,
the gross.
Do not jump scare me.
I will punch you in the throatand I'm not gonna mean to, but
it's gonna happen.
I'm gonna feel really, reallybad and so will you.
(04:37):
And nobody's gonna like it.
So that part of Halloween Idislike.
But what I really love, I reallylove giving out candy to little
kids and watching their eyeslight up.
I love that part of Halloween,and I love that I don't have to
make their costumes withwhatever I have lying around the
house that I have the ability tobuy for them, whatever it is
(04:58):
they want.
When people say they wanna givetheir kids more than what they
had, when I say it, that's oneof the things.
I mean, I want them to have thebest of whatever it is they
want.
I need them to be hardworkingand I need them to have skin in
the game.
(05:19):
I need them to grow slowly,which is hard to do in our
fast-paced world.
But when I make my budget, oneof the values that I want it to
reflect is they get to havethese little luxuries in life
that may have been moredifficult for me to come by if
you were copying somebody else'slife.
(05:40):
It's never gonna look likeyours.
You're not a computer with acontrol copy function.
You my friend, are your ownindividual.
Your family is its own entity.
You're not gonna be able to keepup with the Kardashians.
It's just not gonna happen.
As long as you are aligned withwhat matters most to you and
(06:02):
your family.
You will succeed in creating alife that you love.
Speaking of creating a life thatyou love, your income will not
fix your problems.
I can't tell you how many timespeople come to me and they're
like, well, I just need to makemore money.
And yes, a lot of times that isa very easy way to make a
(06:26):
change.
But high income clients.
Still feel broke.
If they don't have a plan, youdon't necessarily need more
income, you need more clarity.
Even my six figure earners, theydrift if there isn't an
intentional destination.
More times than not, I seepeople making$250,000 and they
(06:49):
feel sick because they have noidea where their money is going.
And they just keep living lifebigger and bigger and bigger
because it's easy.
But if they have no intention,they have no clarity, they have
no paradigm to make a decision.
They struggle.
And the most consistent win thatI've ever seen is when every
dollar has a job.
(07:10):
I love making budgets.
I actually have a lot of funsitting down and looking at the
numbers, and I see into people'ssouls sometimes when I see what
they put on their budget, andsometimes after about a month or
two, I'm able to look at themand go, is this actually what
you want?
Is this actually serving you?
Because I see where things.
(07:30):
Are actually being spent.
And this sweet girl that'sliving up in New York, she was
telling me how frugal she is andhow intentional she is, and
she's so good at spending hermoney.
She was so certain of this, whenshe told me that, she told me,
oh, I only spend$250 on goingout to eat.
And I was like, really?
And she was telling me howintentional she was and how
(07:51):
thoughtful she was.
I said, okay, I normally, I addmoney to this part of the
budget.
If you tell me you only spend$250 on restaurants, I know you
spend 500.
But she sounded certain.
I said, okay, well I'll put thatdown on the budget and we'll see
at the end of the month what itlooks like.
She said.
Okay.
$450.
She was really certain.
(08:12):
But until you were able to giveyour money an assignment and
tell your money where to go, youare always gonna be wondering
where it went.
Get clarity on what you actuallyspend, and that will help you
make a plan for what you want tospend in the future.
I will tell you though,simplicity works best.
(08:36):
The families that stayconsistent, they keep it simple.
They have their starteremergency fund that is going to
be their buffer between life andtheir goals.
They have one main account.
This is big.
If you were married, there's onechecking and one savings
account.
I'm okay with that.
(08:57):
Families that stay consistentalso have a weekly or biweekly
money date where they talk aboutwhat they're actually spending.
Your tools do not matter nearlyas much as your habits.
Keep it simple so you can keepup with it.
Your budgets, they will evolvewith your life.
They have to a new baby.
(09:18):
Guess what?
New category, A job pivot.
Guess what?
New income you move.
Everything's new school tuition.
Sometimes that goes up and downbased on how many kids you have
and like what grade they're in.
If your life adjusts, yourbudget should adapt the best
budgets.
(09:39):
They're living documents.
This is not a stone tablet, thisis not the 10 commandments.
Those don't change.
Your budget is constantlyevolving.
Now, what I don't want you to dois I don't want you to sit down
and go, okay, well I can movesome things around this month
because I spent way too much inthis category.
So I'm gonna take some outtahere.
I'm gonna take some outta there.
That's not being intentional,that's being reactionary.
(10:02):
Your budget is a livingdocument, but once you decide,
sign your name to it.
If you need to spit, shake, Idon't care.
Sign a blood oath.
Say to your spouse, this is whatwe are agreeing to, and we will
not go over it.
Because if you go over it, thenyou're lying and then you have
an even bigger issue.
(10:22):
This week I would like for youto identify the one area of your
budget that feels the moststressful.
I'm gonna guess it's one ofthree categories, probably going
out to eat your groceries oryour debt payments, but choose
one area of your budget thatfeels the most stressful, and
then ask yourself, is thisaligned with my values or is it
(10:45):
not?
Then choose one simple tweakthis month to bring your budget
back into alignment.
In aa, they call it terminaluniqueness.
It is this idea of I am my ownperson and no one has ever had
the same problem as I have.
There's a reason why I havenever created a course.
(11:07):
For money.
It's because every time I workwith a client, we start in a
different place.
But every time I work with aclient, we end in the same
place.
Debt.
Freedom, clarity, confidence.
That's the legacy I want you tohave.
That's the legacy I wanna helpyou build, and that is the
(11:28):
legacy.
I wanna help you accelerate.
Now if you're ready to build alegacy of generosity, I wanna
invite you into our freeFacebook group.
In the month of November, thefirst full week of November, we
are doing a seven day generositychallenge called Give Thanks and
Give Back.
It is all about practicinggratitude with your money and
making generosity part of youreveryday legacy.
(11:50):
The link is down in the shownotes and I would really love to
see you there if you arelistening to this in the future.
Hello, future.
It is so fun to time travel withyou.
Feel free to join us in theLegacy Builders Network where we
are going to be doing some otherchallenge.
I really hope that listening tosome of the lessons that I have
(12:11):
learned from these last 100families gives you some sort of
insight and peace and clarity.
That's it for this week.
Accelerators go out and make adifference.
You wanna know what a hundredplus family budgets all reveal?
Spoiler.
Nobody's perfect, but thepatterns are powerful.
(12:31):
Hey, accelerators, after walkingthrough over a hundred
personalized budgets with manydifferent types of families.
I have started to see that thesame struggles and breakthroughs
come over and over.
At first, I thought eachperson's story was gonna be
completely unique, but the truthof the matter is most of us
(12:51):
fight the same battles withmoney.
It's all just in differentpackaging.
So if you've ever thought thatyou're the only one that
struggles to stay on track,you're not.
Let's talk today about what I'veseen.
I get in again, and what it'staught me about building a
budget that actually works.
This is really gonna help youtoday.
So number one, nobody's perfect.
That's also not the goal.
(13:14):
Everyone is, everybody thatcomes to me thinks that their
mess is absolutely unique, andin some ways they're right.
No two stories are exactlyalike, but the feelings that I
see, they're universal.
Shame, overwhelm, confusion.
(13:34):
These are the top three painpoints.
Yes, there's debt.
Yes, there's lack of savings,there's disorganization, but
shame, overwhelming confusioncome in almost every package in
some way or another.
When we sit down to make abudget, what we're looking for
(13:55):
is clarity, and we're lookingfor choices.
Now in the month of September,my husband and I had a no spend
month.
We decided the entire month,which was funny because I was
running a yes spend challengeinside my Facebook group, but it
was really difficult because Ihad to train myself to say.
(14:15):
No, because we had a really biggoal for October.
Something exciting for ourfamily was happening and we
needed to make sure that we hadthe money set aside.
So we were saying yes to thatbig future expense and no for
the little things during themonth.
But when I made the decisionthat it was a no spend month, it
was easier for me to say no.
(14:37):
It was easier for my children tohear the word no, and they go,
September over yet over and overand over again.
I heard this from them, which isreally funny.
They knew there's a hard andfast rule and it makes it
easier.
So the budget is about clarity.
It's about choice, and it'snever about perfection.
When people expect perfection,they quit.
(14:58):
They quit the first time theyoverspend.
The first time they made amistake.
The first time they gotoverwhelmed with making of the
budget because if it's notperfect, how can I ever follow
it?
Oh, friends.
Perfection is a myth.
Nothing's ever perfect.
A budget that ignores yourvalues will fail every time.
(15:19):
Families who succeed in aligningtheir money with what matters
most, be it debt freedom,travel, giving flexibility,
whatever it is.
If they can align their moneywith what matters to them, not
what's convenient, not whatever,unless convenience is one of
your, success meters, right?
(15:40):
But just doing things out ofhabit, doing things, because
it's always been done this waydoing things because your
parents did this way, that's notgonna help you succeed.
You have to align with whatmatters most to you.
What matters most in the grandscheme of things, that's what's
going to help you succeed.
When your budget doesn't reflectyour values, it feels like a
(16:01):
punishment instead of purefreedom.
I can tell you that one of myfavorite things in the month of
October is getting to put theHalloween column on our, on our
budget.
Now, I don't like Halloween.
I'm not gonna get into how muchI dislike the gory, the scary,
the gross.
Do not jump scare me.
I will punch you in the throatand I'm not gonna mean to, but
it's gonna happen.
I'm gonna feel really, reallybad and so will you.
(16:22):
And nobody's gonna like it.
So that part of Halloween Idislike.
But what I really love, I reallylove giving out candy to little
kids and watching their eyeslight up.
I love that part of Halloween,and I love that I don't have to
make their costumes withwhatever I have lying around the
house that I have the ability tobuy for them, whatever it is
(16:43):
they want.
When people say they wanna givetheir kids more than what they
had, when I say it, that's oneof the things.
I mean, I want them to have thebest of whatever it is they
want.
I need them to be hardworkingand I need them to have skin in
the game.
(17:04):
I need them to grow slowly,which is hard to do in our
fast-paced world.
But when I make my budget, oneof the values that I want it to
reflect is they get to havethese little luxuries in life
that may have been moredifficult for me to come by if
you were copying somebody else'slife.
(17:25):
It's never gonna look likeyours.
You're not a computer with acontrol copy function.
You my friend, are your ownindividual.
Your family is its own entity.
You're not gonna be able to keepup with the Kardashians.
It's just not gonna happen.
As long as you are aligned withwhat matters most to you and
(17:47):
your family.
You will succeed in creating alife that you love.
Speaking of creating a life thatyou love, your income will not
fix your problems.
I can't tell you how many timespeople come to me and they're
like, well, I just need to makemore money.
And yes, a lot of times that isa very easy way to make a
(18:11):
change.
But high income clients.
Still feel broke.
If they don't have a plan, youdon't necessarily need more
income, you need more clarity.
Even my six figure earners, theydrift if there isn't an
intentional destination.
More times than not, I seepeople making$250,000 and they
(18:34):
feel sick because they have noidea where their money is going.
And they just keep living lifebigger and bigger and bigger
because it's easy.
But if they have no intention,they have no clarity, they have
no paradigm to make a decision.
They struggle.
And the most consistent win thatI've ever seen is when every
dollar has a job.
(18:55):
I love making budgets.
I actually have a lot of funsitting down and looking at the
numbers, and I see into people'ssouls sometimes when I see what
they put on their budget, andsometimes after about a month or
two, I'm able to look at themand go, is this actually what
you want?
Is this actually serving you?
Because I see where things.
(19:15):
Are actually being spent.
And this sweet girl that'sliving up in New York, she was
telling me how frugal she is andhow intentional she is, and
she's so good at spending hermoney.
She was so certain of this, whenshe told me that, she told me,
oh, I only spend$250 on goingout to eat.
And I was like, really?
And she was telling me howintentional she was and how
(19:36):
thoughtful she was.
I said, okay, I normally, I addmoney to this part of the
budget.
If you tell me you only spend$250 on restaurants, I know you
spend 500.
But she sounded certain.
I said, okay, well I'll put thatdown on the budget and we'll see
at the end of the month what itlooks like.
She said.
Okay.
$450.
She was really certain.
(19:57):
But until you were able to giveyour money an assignment and
tell your money where to go, youare always gonna be wondering
where it went.
Get clarity on what you actuallyspend, and that will help you
make a plan for what you want tospend in the future.
I will tell you though,simplicity works best.
(20:21):
The families that stayconsistent, they keep it simple.
They have their starteremergency fund that is going to
be their buffer between life andtheir goals.
They have one main account.
This is big.
If you were married, there's onechecking and one savings
account.
I'm okay with that.
(20:41):
Families that stay consistentalso have a weekly or biweekly
money date where they talk aboutwhat they're actually spending.
Your tools do not matter nearlyas much as your habits.
Keep it simple so you can keepup with it.
Your budgets, they will evolvewith your life.
They have to a new baby.
(21:03):
Guess what?
New category, A job pivot.
Guess what?
New income you move.
Everything's new school tuition.
Sometimes that goes up and downbased on how many kids you have
and like what grade they're in.
If your life adjusts, yourbudget should adapt the best
budgets.
(21:24):
They're living documents.
This is not a stone tablet, thisis not the 10 commandments.
Those don't change.
Your budget is constantlyevolving.
Now, what I don't want you to dois I don't want you to sit down
and go, okay, well I can movesome things around this month
because I spent way too much inthis category.
So I'm gonna take some outtahere.
I'm gonna take some outta there.
That's not being intentional,that's being reactionary.
(21:47):
Your budget is a livingdocument, but once you decide,
sign your name to it.
If you need to spit, shake, Idon't care.
Sign a blood oath.
Say to your spouse, this is whatwe are agreeing to, and we will
not go over it.
Because if you go over it, thenyou're lying and then you have
an even bigger issue.
(22:07):
This week I would like for youto identify the one area of your
budget that feels the moststressful.
I'm gonna guess it's one ofthree categories, probably going
out to eat your groceries oryour debt payments, but choose
one area of your budget thatfeels the most stressful, and
then ask yourself, is thisaligned with my values or is it
(22:30):
not?
Then choose one simple tweakthis month to bring your budget
back into alignment.
In aa, they call it terminaluniqueness.
It is this idea of I am my ownperson and no one has ever had
the same problem as I have.
There's a reason why I havenever created a course.
(22:52):
For money.
It's because every time I workwith a client, we start in a
different place.
But every time I work with aclient, we end in the same
place.
Debt.
Freedom, clarity, confidence.
That's the legacy I want you tohave.
That's the legacy I wanna helpyou build, and that is the
(23:13):
legacy.
I wanna help you accelerate.
Now if you're ready to build alegacy of generosity, I wanna
invite you into our freeFacebook group.
In the month of November, thefirst full week of November, we
are doing a seven day generositychallenge called Give Thanks and
Give Back.
It is all about practicinggratitude with your money and
making generosity part of youreveryday legacy.
(23:35):
The link is down in the shownotes and I would really love to
see you there if you arelistening to this in the future.
Hello, future.
It is so fun to time travel withyou.
Feel free to join us in theLegacy Builders Network where we
are going to be doing some otherchallenge.
I really hope that listening tosome of the lessons that I have
(23:55):
learned from these last 100families gives you some sort of
insight and peace and clarity.
That's it for this week.
Accelerators go out and make adifference.
You wanna know what a hundredplus family budgets all reveal?
Spoiler.
Nobody's perfect, but thepatterns are powerful.
(24:16):
Hey, accelerators, after walkingthrough over a hundred
personalized budgets with manydifferent types of families.
I have started to see that thesame struggles and breakthroughs
come over and over.
At first, I thought eachperson's story was gonna be
completely unique, but the truthof the matter is most of us
(24:36):
fight the same battles withmoney.
It's all just in differentpackaging.
So if you've ever thought thatyou're the only one that
struggles to stay on track,you're not.
Let's talk today about what I'veseen.
I get in again, and what it'staught me about building a
budget that actually works.
This is really gonna help youtoday.
So number one, nobody's perfect.
That's also not the goal.
(24:59):
Everyone is, everybody thatcomes to me thinks that their
mess is absolutely unique, andin some ways they're right.
No two stories are exactlyalike, but the feelings that I
see, they're universal.
Shame, overwhelm, confusion.
(25:19):
These are the top three painpoints.
Yes, there's debt.
Yes, there's lack of savings,there's disorganization, but
shame, overwhelming confusioncome in almost every package in
some way or another.
When we sit down to make abudget, what we're looking for
(25:40):
is clarity, and we're lookingfor choices.
Now in the month of September,my husband and I had a no spend
month.
We decided the entire month,which was funny because I was
running a yes spend challengeinside my Facebook group, but it
was really difficult because Ihad to train myself to say.
(26:00):
No, because we had a really biggoal for October.
Something exciting for ourfamily was happening and we
needed to make sure that we hadthe money set aside.
So we were saying yes to thatbig future expense and no for
the little things during themonth.
But when I made the decisionthat it was a no spend month, it
was easier for me to say no.
(26:22):
It was easier for my children tohear the word no, and they go,
September over yet over and overand over again.
I heard this from them, which isreally funny.
They knew there's a hard andfast rule and it makes it
easier.
So the budget is about clarity.
It's about choice, and it'snever about perfection.
When people expect perfection,they quit.
(26:43):
They quit the first time theyoverspend.
The first time they made amistake.
The first time they gotoverwhelmed with making of the
budget because if it's notperfect, how can I ever follow
it?
Oh, friends.
Perfection is a myth.
Nothing's ever perfect.
A budget that ignores yourvalues will fail every time.
(27:05):
Families who succeed in aligningtheir money with what matters
most, be it debt freedom,travel, giving flexibility,
whatever it is.
If they can align their moneywith what matters to them, not
what's convenient, not whatever,unless convenience is one of
your, success meters, right?
(27:25):
But just doing things out ofhabit, doing things, because
it's always been done this waydoing things because your
parents did this way, that's notgonna help you succeed.
You have to align with whatmatters most to you.
What matters most in the grandscheme of things, that's what's
going to help you succeed.
When your budget doesn't reflectyour values, it feels like a
(27:46):
punishment instead of purefreedom.
I can tell you that one of myfavorite things in the month of
October is getting to put theHalloween column on our, on our
budget.
Now, I don't like Halloween.
I'm not gonna get into how muchI dislike the gory, the scary,
the gross.
Do not jump scare me.
I will punch you in the throatand I'm not gonna mean to, but
it's gonna happen.
I'm gonna feel really, reallybad and so will you.
(28:07):
And nobody's gonna like it.
So that part of Halloween Idislike.
But what I really love, I reallylove giving out candy to little
kids and watching their eyeslight up.
I love that part of Halloween,and I love that I don't have to
make their costumes withwhatever I have lying around the
house that I have the ability tobuy for them, whatever it is
(28:28):
they want.
When people say they wanna givetheir kids more than what they
had, when I say it, that's oneof the things.
I mean, I want them to have thebest of whatever it is they
want.
I need them to be hardworkingand I need them to have skin in
the game.
(28:49):
I need them to grow slowly,which is hard to do in our
fast-paced world.
But when I make my budget, oneof the values that I want it to
reflect is they get to havethese little luxuries in life
that may have been moredifficult for me to come by if
you were copying somebody else'slife.
(29:10):
It's never gonna look likeyours.
You're not a computer with acontrol copy function.
You my friend, are your ownindividual.
Your family is its own entity.
You're not gonna be able to keepup with the Kardashians.
It's just not gonna happen.
As long as you are aligned withwhat matters most to you and
(29:32):
your family.
You will succeed in creating alife that you love.
Speaking of creating a life thatyou love, your income will not
fix your problems.
I can't tell you how many timespeople come to me and they're
like, well, I just need to makemore money.
And yes, a lot of times that isa very easy way to make a
(29:56):
change.
But high income clients.
Still feel broke.
If they don't have a plan, youdon't necessarily need more
income, you need more clarity.
Even my six figure earners, theydrift if there isn't an
intentional destination.
More times than not, I seepeople making$250,000 and they
(30:19):
feel sick because they have noidea where their money is going.
And they just keep living lifebigger and bigger and bigger
because it's easy.
But if they have no intention,they have no clarity, they have
no paradigm to make a decision.
They struggle.
And the most consistent win thatI've ever seen is when every
dollar has a job.
(30:40):
I love making budgets.
I actually have a lot of funsitting down and looking at the
numbers, and I see into people'ssouls sometimes when I see what
they put on their budget, andsometimes after about a month or
two, I'm able to look at themand go, is this actually what
you want?
Is this actually serving you?
Because I see where things.
(31:00):
Are actually being spent.
And this sweet girl that'sliving up in New York, she was
telling me how frugal she is andhow intentional she is, and
she's so good at spending hermoney.
She was so certain of this, whenshe told me that, she told me,
oh, I only spend$250 on goingout to eat.
And I was like, really?
And she was telling me howintentional she was and how
(31:21):
thoughtful she was.
I said, okay, I normally, I addmoney to this part of the
budget.
If you tell me you only spend$250 on restaurants, I know you
spend 500.
But she sounded certain.
I said, okay, well I'll put thatdown on the budget and we'll see
at the end of the month what itlooks like.
She said.
Okay.
$450.
She was really certain.
(31:42):
But until you were able to giveyour money an assignment and
tell your money where to go, youare always gonna be wondering
where it went.
Get clarity on what you actuallyspend, and that will help you
make a plan for what you want tospend in the future.
I will tell you though,simplicity works best.
(32:06):
The families that stayconsistent, they keep it simple.
They have their starteremergency fund that is going to
be their buffer between life andtheir goals.
They have one main account.
This is big.
If you were married, there's onechecking and one savings
account.
I'm okay with that.
(32:27):
Families that stay consistentalso have a weekly or biweekly
money date where they talk aboutwhat they're actually spending.
Your tools do not matter nearlyas much as your habits.
Keep it simple so you can keepup with it.
Your budgets, they will evolvewith your life.
They have to a new baby.
(32:48):
Guess what?
New category, A job pivot.
Guess what?
New income you move.
Everything's new school tuition.
Sometimes that goes up and downbased on how many kids you have
and like what grade they're in.
If your life adjusts, yourbudget should adapt the best
budgets.
(33:09):
They're living documents.
This is not a stone tablet, thisis not the 10 commandments.
Those don't change.
Your budget is constantlyevolving.
Now, what I don't want you to dois I don't want you to sit down
and go, okay, well I can movesome things around this month
because I spent way too much inthis category.
So I'm gonna take some outtahere.
I'm gonna take some outta there.
That's not being intentional,that's being reactionary.
(33:32):
Your budget is a livingdocument, but once you decide,
sign your name to it.
If you need to spit, shake, Idon't care.
Sign a blood oath.
Say to your spouse, this is whatwe are agreeing to, and we will
not go over it.
Because if you go over it, thenyou're lying and then you have
an even bigger issue.
(33:52):
This week I would like for youto identify the one area of your
budget that feels the moststressful.
I'm gonna guess it's one ofthree categories, probably going
out to eat your groceries oryour debt payments, but choose
one area of your budget thatfeels the most stressful, and
then ask yourself, is thisaligned with my values or is it
(34:15):
not?
Then choose one simple tweakthis month to bring your budget
back into alignment.
In aa, they call it terminaluniqueness.
It is this idea of I am my ownperson and no one has ever had
the same problem as I have.
There's a reason why I havenever created a course.
(34:37):
For money.
It's because every time I workwith a client, we start in a
different place.
But every time I work with aclient, we end in the same
place.
Debt.
Freedom, clarity, confidence.
That's the legacy I want you tohave.
That's the legacy I wanna helpyou build, and that is the
(34:58):
legacy.
I wanna help you accelerate.
Now if you're ready to build alegacy of generosity, I wanna
invite you into our freeFacebook group.
In the month of November, thefirst full week of November, we
are doing a seven day generositychallenge called Give Thanks and
Give Back.
It is all about practicinggratitude with your money and
making generosity part of youreveryday legacy.
(35:20):
The link is down in the shownotes and I would really love to
see you there if you arelistening to this in the future.
Hello, future.
It is so fun to time travel withyou.
Feel free to join us in theLegacy Builders Network where we
are going to be doing some otherchallenge.
I really hope that listening tosome of the lessons that I have
(35:41):
learned from these last 100families gives you some sort of
insight and peace and clarity.
That's it for this week.
Accelerators go out and make adifference.
thank you for spending time withus today on Money and Career
Mastery from Overwhelm toOwnership.
Remember, your legacy isn't justabout financial freedom.
(36:01):
It's about living with purpose,taking action, and building a
foundation that lasts forgenerations.
Don't just listen, implementwhat you've learned and share it
with someone who could use afinancial or career
breakthrough.
If you found value in today'sepisode, help us grow by rating,
reviewing, and sharing thepodcast.
I'll be back next week with morestrategies to help you master
(36:23):
your money and career.
Until then take ownership ofyour future and build your
legacy with intention.
You wanna know what a hundred plus family budgets all
reveal?
Spoiler.
Nobody's perfect, but thepatterns are powerful.
hello and welcome to money andcareer mastery from overwhelmed
to ownership.
I'm Laura Sexton, your abundanceand legacy coach here to help
(00:20):
you navigate the world of money,debt payoff, and career growth
with confidence and clarity.
In this podcast, we'll tacklethe financial and career
challenges, holding you back,optimize your income and build
the freedom that comes with trueownership.
If you're ready to break freefrom overwhelm, create a budget
that aligns with your values anddesign a legacy that empowers
(00:41):
future generations.
You're in the right place.
Hey, accelerators, after walkingthrough over a hundred
personalized budgets with manydifferent types of families.
I have started to see that thesame struggles and breakthroughs
come over and over.
At first, I thought eachperson's story was gonna be
(01:02):
completely unique, but the truthof the matter is most of us
fight the same battles withmoney.
It's all just in differentpackaging.
So if you've ever thought thatyou're the only one that
struggles to stay on track,you're not.
Let's talk today about what I'veseen.
I get in again, and what it'staught me about building a
budget that actually works.
This is really gonna help youtoday.
(01:23):
So number one, nobody's perfect.
That's also not the goal.
Everyone is, everybody thatcomes to me thinks that their
mess is absolutely unique, andin some ways they're right.
No two stories are exactlyalike, but the feelings that I
see, they're universal.
(01:46):
Shame, overwhelm, confusion.
These are the top three painpoints.
Yes, there's debt.
Yes, there's lack of savings,there's disorganization, but
shame, overwhelming confusioncome in almost every package in
(02:06):
some way or another.
When we sit down to make abudget, what we're looking for
is clarity, and we're lookingfor choices.
Now in the month of September,my husband and I had a no spend
month.
We decided the entire month,which was funny because I was
running a yes spend challengeinside my Facebook group, but it
was really difficult because Ihad to train myself to say.
(02:30):
No, because we had a really biggoal for October.
Something exciting for ourfamily was happening and we
needed to make sure that we hadthe money set aside.
So we were saying yes to thatbig future expense and no for
the little things during themonth.
But when I made the decisionthat it was a no spend month, it
was easier for me to say no.
(02:52):
It was easier for my children tohear the word no, and they go,
September over yet over and overand over again.
I heard this from them, which isreally funny.
They knew there's a hard andfast rule and it makes it
easier.
So the budget is about clarity.
It's about choice, and it'snever about perfection.
When people expect perfection,they quit.
(03:13):
They quit the first time theyoverspend.
The first time they made amistake.
The first time they gotoverwhelmed with making of the
budget because if it's notperfect, how can I ever follow
it?
Oh, friends.
Perfection is a myth.
Nothing's ever perfect.
A budget that ignores yourvalues will fail every time.
(03:35):
Families who succeed in aligningtheir money with what matters
most, be it debt freedom,travel, giving flexibility,
whatever it is.
If they can align their moneywith what matters to them, not
what's convenient, not whatever,unless convenience is one of
your, success meters, right?
(03:55):
But just doing things out ofhabit, doing things, because
it's always been done this waydoing things because your
parents did this way, that's notgonna help you succeed.
You have to align with whatmatters most to you.
What matters most in the grandscheme of things, that's what's
going to help you succeed.
When your budget doesn't reflectyour values, it feels like a
(04:16):
punishment instead of purefreedom.
I can tell you that one of myfavorite things in the month of
October is getting to put theHalloween column on our, on our
budget.
Now, I don't like Halloween.
I'm not gonna get into how muchI dislike the gory, the scary,
the gross.
Do not jump scare me.
I will punch you in the throatand I'm not gonna mean to, but
it's gonna happen.
I'm gonna feel really, reallybad and so will you.
(04:37):
And nobody's gonna like it.
So that part of Halloween Idislike.
But what I really love, I reallylove giving out candy to little
kids and watching their eyeslight up.
I love that part of Halloween,and I love that I don't have to
make their costumes withwhatever I have lying around the
house that I have the ability tobuy for them, whatever it is
(04:58):
they want.
When people say they wanna givetheir kids more than what they
had, when I say it, that's oneof the things.
I mean, I want them to have thebest of whatever it is they
want.
I need them to be hardworkingand I need them to have skin in
the game.
(05:19):
I need them to grow slowly,which is hard to do in our
fast-paced world.
But when I make my budget, oneof the values that I want it to
reflect is they get to havethese little luxuries in life
that may have been moredifficult for me to come by if
you were copying somebody else'slife.
(05:40):
It's never gonna look likeyours.
You're not a computer with acontrol copy function.
You my friend, are your ownindividual.
Your family is its own entity.
You're not gonna be able to keepup with the Kardashians.
It's just not gonna happen.
As long as you are aligned withwhat matters most to you and
(06:02):
your family.
You will succeed in creating alife that you love.
Speaking of creating a life thatyou love, your income will not
fix your problems.
I can't tell you how many timespeople come to me and they're
like, well, I just need to makemore money.
And yes, a lot of times that isa very easy way to make a
(06:26):
change.
But high income clients.
Still feel broke.
If they don't have a plan, youdon't necessarily need more
income, you need more clarity.
Even my six figure earners, theydrift if there isn't an
intentional destination.
More times than not, I seepeople making$250,000 and they
(06:49):
feel sick because they have noidea where their money is going.
And they just keep living lifebigger and bigger and bigger
because it's easy.
But if they have no intention,they have no clarity, they have
no paradigm to make a decision.
They struggle.
And the most consistent win thatI've ever seen is when every
dollar has a job.
(07:10):
I love making budgets.
I actually have a lot of funsitting down and looking at the
numbers, and I see into people'ssouls sometimes when I see what
they put on their budget, andsometimes after about a month or
two, I'm able to look at themand go, is this actually what
you want?
Is this actually serving you?
Because I see where things.
(07:30):
Are actually being spent.
And this sweet girl that'sliving up in New York, she was
telling me how frugal she is andhow intentional she is, and
she's so good at spending hermoney.
She was so certain of this, whenshe told me that, she told me,
oh, I only spend$250 on goingout to eat.
And I was like, really?
And she was telling me howintentional she was and how
(07:51):
thoughtful she was.
I said, okay, I normally, I addmoney to this part of the
budget.
If you tell me you only spend$250 on restaurants, I know you
spend 500.
But she sounded certain.
I said, okay, well I'll put thatdown on the budget and we'll see
at the end of the month what itlooks like.
She said.
Okay.
$450.
She was really certain.
(08:12):
But until you were able to giveyour money an assignment and
tell your money where to go, youare always gonna be wondering
where it went.
Get clarity on what you actuallyspend, and that will help you
make a plan for what you want tospend in the future.
I will tell you though,simplicity works best.
(08:36):
The families that stayconsistent, they keep it simple.
They have their starteremergency fund that is going to
be their buffer between life andtheir goals.
They have one main account.
This is big.
If you were married, there's onechecking and one savings
account.
I'm okay with that.
(08:57):
Families that stay consistentalso have a weekly or biweekly
money date where they talk aboutwhat they're actually spending.
Your tools do not matter nearlyas much as your habits.
Keep it simple so you can keepup with it.
Your budgets, they will evolvewith your life.
They have to a new baby.
(09:18):
Guess what?
New category, A job pivot.
Guess what?
New income you move.
Everything's new school tuition.
Sometimes that goes up and downbased on how many kids you have
and like what grade they're in.
If your life adjusts, yourbudget should adapt the best
budgets.
(09:39):
They're living documents.
This is not a stone tablet, thisis not the 10 commandments.
Those don't change.
Your budget is constantlyevolving.
Now, what I don't want you to dois I don't want you to sit down
and go, okay, well I can movesome things around this month
because I spent way too much inthis category.
So I'm gonna take some outtahere.
I'm gonna take some outta there.
That's not being intentional,that's being reactionary.
(10:02):
Your budget is a livingdocument, but once you decide,
sign your name to it.
If you need to spit, shake, Idon't care.
Sign a blood oath.
Say to your spouse, this is whatwe are agreeing to, and we will
not go over it.
Because if you go over it, thenyou're lying and then you have
an even bigger issue.
(10:22):
This week I would like for youto identify the one area of your
budget that feels the moststressful.
I'm gonna guess it's one ofthree categories, probably going
out to eat your groceries oryour debt payments, but choose
one area of your budget thatfeels the most stressful, and
then ask yourself, is thisaligned with my values or is it
(10:45):
not?
Then choose one simple tweakthis month to bring your budget
back into alignment.
In aa, they call it terminaluniqueness.
It is this idea of I am my ownperson and no one has ever had
the same problem as I have.
There's a reason why I havenever created a course.
(11:07):
For money.
It's because every time I workwith a client, we start in a
different place.
But every time I work with aclient, we end in the same
place.
Debt.
Freedom, clarity, confidence.
That's the legacy I want you tohave.
That's the legacy I wanna helpyou build, and that is the
(11:28):
legacy.
I wanna help you accelerate.
Now if you're ready to build alegacy of generosity, I wanna
invite you into our freeFacebook group.
In the month of November, thefirst full week of November, we
are doing a seven day generositychallenge called Give Thanks and
Give Back.
It is all about practicinggratitude with your money and
making generosity part of youreveryday legacy.
(11:50):
The link is down in the shownotes and I would really love to
see you there if you arelistening to this in the future.
Hello, future.
It is so fun to time travel withyou.
Feel free to join us in theLegacy Builders Network where we
are going to be doing some otherchallenge.
I really hope that listening tosome of the lessons that I have
(12:11):
learned from these last 100families gives you some sort of
insight and peace and clarity.
That's it for this week.
Accelerators go out and make adifference.
You wanna know what a hundredplus family budgets all reveal?
Spoiler.
Nobody's perfect, but thepatterns are powerful.
(12:31):
Hey, accelerators, after walkingthrough over a hundred
personalized budgets with manydifferent types of families.
I have started to see that thesame struggles and breakthroughs
come over and over.
At first, I thought eachperson's story was gonna be
completely unique, but the truthof the matter is most of us
(12:51):
fight the same battles withmoney.
It's all just in differentpackaging.
So if you've ever thought thatyou're the only one that
struggles to stay on track,you're not.
Let's talk today about what I'veseen.
I get in again, and what it'staught me about building a
budget that actually works.
This is really gonna help youtoday.
So number one, nobody's perfect.
That's also not the goal.
(13:14):
Everyone is, everybody thatcomes to me thinks that their
mess is absolutely unique, andin some ways they're right.
No two stories are exactlyalike, but the feelings that I
see, they're universal.
Shame, overwhelm, confusion.
(13:34):
These are the top three painpoints.
Yes, there's debt.
Yes, there's lack of savings,there's disorganization, but
shame, overwhelming confusioncome in almost every package in
some way or another.
When we sit down to make abudget, what we're looking for
(13:55):
is clarity, and we're lookingfor choices.
Now in the month of September,my husband and I had a no spend
month.
We decided the entire month,which was funny because I was
running a yes spend challengeinside my Facebook group, but it
was really difficult because Ihad to train myself to say.
(14:15):
No, because we had a really biggoal for October.
Something exciting for ourfamily was happening and we
needed to make sure that we hadthe money set aside.
So we were saying yes to thatbig future expense and no for
the little things during themonth.
But when I made the decisionthat it was a no spend month, it
was easier for me to say no.
(14:37):
It was easier for my children tohear the word no, and they go,
September over yet over and overand over again.
I heard this from them, which isreally funny.
They knew there's a hard andfast rule and it makes it
easier.
So the budget is about clarity.
It's about choice, and it'snever about perfection.
When people expect perfection,they quit.
(14:58):
They quit the first time theyoverspend.
The first time they made amistake.
The first time they gotoverwhelmed with making of the
budget because if it's notperfect, how can I ever follow
it?
Oh, friends.
Perfection is a myth.
Nothing's ever perfect.
A budget that ignores yourvalues will fail every time.
(15:19):
Families who succeed in aligningtheir money with what matters
most, be it debt freedom,travel, giving flexibility,
whatever it is.
If they can align their moneywith what matters to them, not
what's convenient, not whatever,unless convenience is one of
your, success meters, right?
(15:40):
But just doing things out ofhabit, doing things, because
it's always been done this waydoing things because your
parents did this way, that's notgonna help you succeed.
You have to align with whatmatters most to you.
What matters most in the grandscheme of things, that's what's
going to help you succeed.
When your budget doesn't reflectyour values, it feels like a
(16:01):
punishment instead of purefreedom.
I can tell you that one of myfavorite things in the month of
October is getting to put theHalloween column on our, on our
budget.
Now, I don't like Halloween.
I'm not gonna get into how muchI dislike the gory, the scary,
the gross.
Do not jump scare me.
I will punch you in the throatand I'm not gonna mean to, but
it's gonna happen.
I'm gonna feel really, reallybad and so will you.
(16:22):
And nobody's gonna like it.
So that part of Halloween Idislike.
But what I really love, I reallylove giving out candy to little
kids and watching their eyeslight up.
I love that part of Halloween,and I love that I don't have to
make their costumes withwhatever I have lying around the
house that I have the ability tobuy for them, whatever it is
(16:43):
they want.
When people say they wanna givetheir kids more than what they
had, when I say it, that's oneof the things.
I mean, I want them to have thebest of whatever it is they
want.
I need them to be hardworkingand I need them to have skin in
the game.
(17:04):
I need them to grow slowly,which is hard to do in our
fast-paced world.
But when I make my budget, oneof the values that I want it to
reflect is they get to havethese little luxuries in life
that may have been moredifficult for me to come by if
you were copying somebody else'slife.
(17:25):
It's never gonna look likeyours.
You're not a computer with acontrol copy function.
You my friend, are your ownindividual.
Your family is its own entity.
You're not gonna be able to keepup with the Kardashians.
It's just not gonna happen.
As long as you are aligned withwhat matters most to you and
(17:47):
your family.
You will succeed in creating alife that you love.
Speaking of creating a life thatyou love, your income will not
fix your problems.
I can't tell you how many timespeople come to me and they're
like, well, I just need to makemore money.
And yes, a lot of times that isa very easy way to make a
(18:11):
change.
But high income clients.
Still feel broke.
If they don't have a plan, youdon't necessarily need more
income, you need more clarity.
Even my six figure earners, theydrift if there isn't an
intentional destination.
More times than not, I seepeople making$250,000 and they
(18:34):
feel sick because they have noidea where their money is going.
And they just keep living lifebigger and bigger and bigger
because it's easy.
But if they have no intention,they have no clarity, they have
no paradigm to make a decision.
They struggle.
And the most consistent win thatI've ever seen is when every
dollar has a job.
(18:55):
I love making budgets.
I actually have a lot of funsitting down and looking at the
numbers, and I see into people'ssouls sometimes when I see what
they put on their budget, andsometimes after about a month or
two, I'm able to look at themand go, is this actually what
you want?
Is this actually serving you?
Because I see where things.
(19:15):
Are actually being spent.
And this sweet girl that'sliving up in New York, she was
telling me how frugal she is andhow intentional she is, and
she's so good at spending hermoney.
She was so certain of this, whenshe told me that, she told me,
oh, I only spend$250 on goingout to eat.
And I was like, really?
And she was telling me howintentional she was and how
(19:36):
thoughtful she was.
I said, okay, I normally, I addmoney to this part of the
budget.
If you tell me you only spend$250 on restaurants, I know you
spend 500.
But she sounded certain.
I said, okay, well I'll put thatdown on the budget and we'll see
at the end of the month what itlooks like.
She said.
Okay.
$450.
She was really certain.
(19:57):
But until you were able to giveyour money an assignment and
tell your money where to go, youare always gonna be wondering
where it went.
Get clarity on what you actuallyspend, and that will help you
make a plan for what you want tospend in the future.
I will tell you though,simplicity works best.
(20:21):
The families that stayconsistent, they keep it simple.
They have their starteremergency fund that is going to
be their buffer between life andtheir goals.
They have one main account.
This is big.
If you were married, there's onechecking and one savings
account.
I'm okay with that.
(20:41):
Families that stay consistentalso have a weekly or biweekly
money date where they talk aboutwhat they're actually spending.
Your tools do not matter nearlyas much as your habits.
Keep it simple so you can keepup with it.
Your budgets, they will evolvewith your life.
They have to a new baby.
(21:03):
Guess what?
New category, A job pivot.
Guess what?
New income you move.
Everything's new school tuition.
Sometimes that goes up and downbased on how many kids you have
and like what grade they're in.
If your life adjusts, yourbudget should adapt the best
budgets.
(21:24):
They're living documents.
This is not a stone tablet, thisis not the 10 commandments.
Those don't change.
Your budget is constantlyevolving.
Now, what I don't want you to dois I don't want you to sit down
and go, okay, well I can movesome things around this month
because I spent way too much inthis category.
So I'm gonna take some outtahere.
I'm gonna take some outta there.
That's not being intentional,that's being reactionary.
(21:47):
Your budget is a livingdocument, but once you decide,
sign your name to it.
If you need to spit, shake, Idon't care.
Sign a blood oath.
Say to your spouse, this is whatwe are agreeing to, and we will
not go over it.
Because if you go over it, thenyou're lying and then you have
an even bigger issue.
(22:07):
This week I would like for youto identify the one area of your
budget that feels the moststressful.
I'm gonna guess it's one ofthree categories, probably going
out to eat your groceries oryour debt payments, but choose
one area of your budget thatfeels the most stressful, and
then ask yourself, is thisaligned with my values or is it
(22:30):
not?
Then choose one simple tweakthis month to bring your budget
back into alignment.
In aa, they call it terminaluniqueness.
It is this idea of I am my ownperson and no one has ever had
the same problem as I have.
There's a reason why I havenever created a course.
(22:52):
For money.
It's because every time I workwith a client, we start in a
different place.
But every time I work with aclient, we end in the same
place.
Debt.
Freedom, clarity, confidence.
That's the legacy I want you tohave.
That's the legacy I wanna helpyou build, and that is the
(23:13):
legacy.
I wanna help you accelerate.
Now if you're ready to build alegacy of generosity, I wanna
invite you into our freeFacebook group.
In the month of November, thefirst full week of November, we
are doing a seven day generositychallenge called Give Thanks and
Give Back.
It is all about practicinggratitude with your money and
making generosity part of youreveryday legacy.
(23:35):
The link is down in the shownotes and I would really love to
see you there if you arelistening to this in the future.
Hello, future.
It is so fun to time travel withyou.
Feel free to join us in theLegacy Builders Network where we
are going to be doing some otherchallenge.
I really hope that listening tosome of the lessons that I have
(23:55):
learned from these last 100families gives you some sort of
insight and peace and clarity.
That's it for this week.
Accelerators go out and make adifference.
You wanna know what a hundredplus family budgets all reveal?
Spoiler.
Nobody's perfect, but thepatterns are powerful.
(24:16):
Hey, accelerators, after walkingthrough over a hundred
personalized budgets with manydifferent types of families.
I have started to see that thesame struggles and breakthroughs
come over and over.
At first, I thought eachperson's story was gonna be
completely unique, but the truthof the matter is most of us
(24:36):
fight the same battles withmoney.
It's all just in differentpackaging.
So if you've ever thought thatyou're the only one that
struggles to stay on track,you're not.
Let's talk today about what I'veseen.
I get in again, and what it'staught me about building a
budget that actually works.
This is really gonna help youtoday.
So number one, nobody's perfect.
That's also not the goal.
(24:59):
Everyone is, everybody thatcomes to me thinks that their
mess is absolutely unique, andin some ways they're right.
No two stories are exactlyalike, but the feelings that I
see, they're universal.
Shame, overwhelm, confusion.
(25:19):
These are the top three painpoints.
Yes, there's debt.
Yes, there's lack of savings,there's disorganization, but
shame, overwhelming confusioncome in almost every package in
some way or another.
When we sit down to make abudget, what we're looking for
(25:40):
is clarity, and we're lookingfor choices.
Now in the month of September,my husband and I had a no spend
month.
We decided the entire month,which was funny because I was
running a yes spend challengeinside my Facebook group, but it
was really difficult because Ihad to train myself to say.
(26:00):
No, because we had a really biggoal for October.
Something exciting for ourfamily was happening and we
needed to make sure that we hadthe money set aside.
So we were saying yes to thatbig future expense and no for
the little things during themonth.
But when I made the decisionthat it was a no spend month, it
was easier for me to say no.
(26:22):
It was easier for my children tohear the word no, and they go,
September over yet over and overand over again.
I heard this from them, which isreally funny.
They knew there's a hard andfast rule and it makes it
easier.
So the budget is about clarity.
It's about choice, and it'snever about perfection.
When people expect perfection,they quit.
(26:43):
They quit the first time theyoverspend.
The first time they made amistake.
The first time they gotoverwhelmed with making of the
budget because if it's notperfect, how can I ever follow
it?
Oh, friends.
Perfection is a myth.
Nothing's ever perfect.
A budget that ignores yourvalues will fail every time.
(27:05):
Families who succeed in aligningtheir money with what matters
most, be it debt freedom,travel, giving flexibility,
whatever it is.
If they can align their moneywith what matters to them, not
what's convenient, not whatever,unless convenience is one of
your, success meters, right?
(27:25):
But just doing things out ofhabit, doing things, because
it's always been done this waydoing things because your
parents did this way, that's notgonna help you succeed.
You have to align with whatmatters most to you.
What matters most in the grandscheme of things, that's what's
going to help you succeed.
When your budget doesn't reflectyour values, it feels like a
(27:46):
punishment instead of purefreedom.
I can tell you that one of myfavorite things in the month of
October is getting to put theHalloween column on our, on our
budget.
Now, I don't like Halloween.
I'm not gonna get into how muchI dislike the gory, the scary,
the gross.
Do not jump scare me.
I will punch you in the throatand I'm not gonna mean to, but
it's gonna happen.
I'm gonna feel really, reallybad and so will you.
(28:07):
And nobody's gonna like it.
So that part of Halloween Idislike.
But what I really love, I reallylove giving out candy to little
kids and watching their eyeslight up.
I love that part of Halloween,and I love that I don't have to
make their costumes withwhatever I have lying around the
house that I have the ability tobuy for them, whatever it is
(28:28):
they want.
When people say they wanna givetheir kids more than what they
had, when I say it, that's oneof the things.
I mean, I want them to have thebest of whatever it is they
want.
I need them to be hardworkingand I need them to have skin in
the game.
(28:49):
I need them to grow slowly,which is hard to do in our
fast-paced world.
But when I make my budget, oneof the values that I want it to
reflect is they get to havethese little luxuries in life
that may have been moredifficult for me to come by if
you were copying somebody else'slife.
(29:10):
It's never gonna look likeyours.
You're not a computer with acontrol copy function.
You my friend, are your ownindividual.
Your family is its own entity.
You're not gonna be able to keepup with the Kardashians.
It's just not gonna happen.
As long as you are aligned withwhat matters most to you and
(29:32):
your family.
You will succeed in creating alife that you love.
Speaking of creating a life thatyou love, your income will not
fix your problems.
I can't tell you how many timespeople come to me and they're
like, well, I just need to makemore money.
And yes, a lot of times that isa very easy way to make a
(29:56):
change.
But high income clients.
Still feel broke.
If they don't have a plan, youdon't necessarily need more
income, you need more clarity.
Even my six figure earners, theydrift if there isn't an
intentional destination.
More times than not, I seepeople making$250,000 and they
(30:19):
feel sick because they have noidea where their money is going.
And they just keep living lifebigger and bigger and bigger
because it's easy.
But if they have no intention,they have no clarity, they have
no paradigm to make a decision.
They struggle.
And the most consistent win thatI've ever seen is when every
dollar has a job.
(30:40):
I love making budgets.
I actually have a lot of funsitting down and looking at the
numbers, and I see into people'ssouls sometimes when I see what
they put on their budget, andsometimes after about a month or
two, I'm able to look at themand go, is this actually what
you want?
Is this actually serving you?
Because I see where things.
(31:00):
Are actually being spent.
And this sweet girl that'sliving up in New York, she was
telling me how frugal she is andhow intentional she is, and
she's so good at spending hermoney.
She was so certain of this, whenshe told me that, she told me,
oh, I only spend$250 on goingout to eat.
And I was like, really?
And she was telling me howintentional she was and how
(31:21):
thoughtful she was.
I said, okay, I normally, I addmoney to this part of the
budget.
If you tell me you only spend$250 on restaurants, I know you
spend 500.
But she sounded certain.
I said, okay, well I'll put thatdown on the budget and we'll see
at the end of the month what itlooks like.
She said.
Okay.
$450.
She was really certain.
(31:42):
But until you were able to giveyour money an assignment and
tell your money where to go, youare always gonna be wondering
where it went.
Get clarity on what you actuallyspend, and that will help you
make a plan for what you want tospend in the future.
I will tell you though,simplicity works best.
(32:06):
The families that stayconsistent, they keep it simple.
They have their starteremergency fund that is going to
be their buffer between life andtheir goals.
They have one main account.
This is big.
If you were married, there's onechecking and one savings
account.
I'm okay with that.
(32:27):
Families that stay consistentalso have a weekly or biweekly
money date where they talk aboutwhat they're actually spending.
Your tools do not matter nearlyas much as your habits.
Keep it simple so you can keepup with it.
Your budgets, they will evolvewith your life.
They have to a new baby.
(32:48):
Guess what?
New category, A job pivot.
Guess what?
New income you move.
Everything's new school tuition.
Sometimes that goes up and downbased on how many kids you have
and like what grade they're in.
If your life adjusts, yourbudget should adapt the best
budgets.
(33:09):
They're living documents.
This is not a stone tablet, thisis not the 10 commandments.
Those don't change.
Your budget is constantlyevolving.
Now, what I don't want you to dois I don't want you to sit down
and go, okay, well I can movesome things around this month
because I spent way too much inthis category.
So I'm gonna take some outtahere.
I'm gonna take some outta there.
That's not being intentional,that's being reactionary.
(33:32):
Your budget is a livingdocument, but once you decide,
sign your name to it.
If you need to spit, shake, Idon't care.
Sign a blood oath.
Say to your spouse, this is whatwe are agreeing to, and we will
not go over it.
Because if you go over it, thenyou're lying and then you have
an even bigger issue.
(33:52):
This week I would like for youto identify the one area of your
budget that feels the moststressful.
I'm gonna guess it's one ofthree categories, probably going
out to eat your groceries oryour debt payments, but choose
one area of your budget thatfeels the most stressful, and
then ask yourself, is thisaligned with my values or is it
(34:15):
not?
Then choose one simple tweakthis month to bring your budget
back into alignment.
In aa, they call it terminaluniqueness.
It is this idea of I am my ownperson and no one has ever had
the same problem as I have.
There's a reason why I havenever created a course.
(34:37):
For money.
It's because every time I workwith a client, we start in a
different place.
But every time I work with aclient, we end in the same
place.
Debt.
Freedom, clarity, confidence.
That's the legacy I want you tohave.
That's the legacy I wanna helpyou build, and that is the
(34:58):
legacy.
I wanna help you accelerate.
Now if you're ready to build alegacy of generosity, I wanna
invite you into our freeFacebook group.
In the month of November, thefirst full week of November, we
are doing a seven day generositychallenge called Give Thanks and
Give Back.
It is all about practicinggratitude with your money and
making generosity part of youreveryday legacy.
(35:20):
The link is down in the shownotes and I would really love to
see you there if you arelistening to this in the future.
Hello, future.
It is so fun to time travel withyou.
Feel free to join us in theLegacy Builders Network where we
are going to be doing some otherchallenge.
I really hope that listening tosome of the lessons that I have
(35:41):
learned from these last 100families gives you some sort of
insight and peace and clarity.
That's it for this week.
Accelerators go out and make adifference.
thank you for spending time withus today on Money and Career
Mastery from Overwhelm toOwnership.
Remember, your legacy isn't justabout financial freedom.
(36:01):
It's about living with purpose,taking action, and building a
foundation that lasts forgenerations.
Don't just listen, implementwhat you've learned and share it
with someone who could use afinancial or career
breakthrough.
If you found value in today'sepisode, help us grow by rating,
reviewing, and sharing thepodcast.
I'll be back next week with morestrategies to help you master
(36:23):
your money and career.
Until then take ownership ofyour future and build your
legacy with intention.
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