January 14, 2025 • 20 mins
Life can throw us into chaos without warning, and when it does, decision-making feels impossible. In this candid episode, I share how I’m navigating a whirlwind of uncertainty—from wildfires threatening my community to an unexpected school closure for my kids.
In moments like these, it’s easy to feel paralyzed, but there’s hope. I’ll walk you through five powerful steps to move forward with clarity, even when everything feels out of control. These are the same strategies I’ve shared with clients facing financial and career chaos, helping them make intentional choices and take their next right steps.
What You’ll Learn:
- Why it’s okay (and necessary) to grieve in times of chaos.
- The importance of focusing on temporary solutions while avoiding hasty permanent decisions.
- How to stay vigilant against financial scams when you’re feeling vulnerable.
- Ways to regain control by focusing on what you can change.
- Real-life examples of how others have navigated chaos and emerged stronger.
Take Action:
Feeling stuck? Remember, if you’ve built a box around yourself, you’re also the lid. You hold the power to step out and redefine your path.
Learn more about working with Laura Sexton
· 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
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Laura (00:02):
hello and welcome to money and career mastery from
overwhelmed to ownership.
I'm Laura Sexton, your abundanceand legacy coach here to help
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
(00:22):
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
future generations.
You're in the right place.
Hey, Accelerators, I had anotherpodcast ready for you and we
will get back to our regularlyscheduled programming shortly,
(00:44):
but I wanted to talk to youabout how to make decisions in
the middle of chaos.
You see, I'm currently.
The smack dab in the midst ofchaos there this morning, I got
notifications from my familyoutside of the state that our
town was on the local news beingright smack dab in the middle of
(01:06):
multiple fires.
I knew that a new one had poppedup to our Northeast, but was not
as concerned because it hadn'tgrown yet.
And of course the Palisade fireis right below us.
And we are getting close to theevacuation warning zone.
(01:29):
And by we're getting close, Imean, it's getting close to us.
And so we are monitoring this.
We have some crazy winds lastnight.
They were up to 75 miles anhour, just insane.
You could hear them howlingoutside and when it wakes you up
and it's terrifying, your kidscome in your room cause they're
also scared.
The winds are crazy.
(01:49):
And when the winds are blowingall this fire around, it is it's
no good.
It's no good, friends, and itfeels like chaos.
But on top of that, on Friday,this is currently Tuesday, on
Friday, we got notification thatour kids school was closing.
And not just, okay, we'reclosing But there was a
(02:12):
situation with emerging with adifferent school and they're
trying to help two schools turninto one school and they're
doing it for, logistical reasonsand city regulations and the
parents are enraged and there'sa lot of Name calling and full
(02:33):
on vitriol against people thatmay or may not have had anything
to do with this decision.
The people in charge should havebeen more forthcoming.
They've known about this for awhile.
They should have given us moretime and yet we're here and
there's nothing we can do aboutthe school closing.
There's nothing I can do aboutthe fire and yet I have to make
(02:53):
some very important decisions.
As far as the fires areconcerned, what do I put in a
suitcase?
I had a very difficult time.
My husband was like, theimportant things.
And I was like, all of it'simportant.
How do I pick?
How do I decide what goes in asuitcase?
And if everything's important,then nothing's important.
And I just got reallyoverwhelmed.
I was like, I can't, I can't doit.
(03:14):
I can't figure it out.
I have no idea.
It's a terrible place to be.
Eventually I got the backpackand we're ready.
If something should occur, wecan leave and we will be fine.
When it comes to school, youknow, what do we do?
Where do we go?
What is the right thing for ourchildren?
What are the long termimplications of moving?
(03:34):
There's so many questions and Ifeel like we are just in the
middle of chaos.
So when things are chaotic andthey are uncertain, I want to
give you permission to do twothings first and foremost.
Go ahead and cry.
(03:55):
Feel all of the feelings.
Everything that you're feeling,the overwhelm, the despair, the
confusion.
Give yourself 30 minutes andjust cry.
And be upset about it.
And feel.
Which is not easy in today'sculture.
Like you're not supposed to havefeelings or something.
(04:15):
You're supposed to have it alltogether and hold it together
for the people around us.
And I just don't think thatthat's, I don't think it's wise.
And I don't think it's actuallypossible for us to hold
everything in without explodingat some point to go ahead and
cry and then grieve because thething that you thought was is no
(04:36):
longer.
The safety we had in this home,that we felt in this home, we no
longer feel.
The security of our kids goingto this school and going again
next year and knowing who ourteachers were going to be,
that's all gone.
Go ahead and grieve the loss ofwhat could have been, the loss
of what was, because you have toget through those emotions.
(04:57):
But, when you are done.
There are steps to take.
And what we're going to betalking about today are steps to
take in your money and in yourcareer.
And I've got some really greatexamples because it looks like I
am not the only one in themiddle of chaos and uncertainty.
In fact, I have three peoplethat I'm going to be talking
about today who are also in themiddle of chaos.
(05:19):
So the three things to do afteryou cry and you grieve, and then
we have to move on.
Then we have to do the nextright thing.
Then we have to get up and pullourselves up by our bootstraps
and keep going because we don'tget to stop.
We don't get to stop.
So the first thing you should dois you should focus on temporary
solutions.
Sometimes we just have to getthrough for now.
(05:42):
So I've got this one client.
I'm going to call our AB fortoday.
A B is in a situation of her ownmaking her and her husband have
been working jobs that do notpay as well as they would like.
And they have a mortgage thattakes up most of their money and
they've decided that an au pairis necessary for their family.
(06:03):
And trust me, I am all for youhaving whatever it is that you
want out of life.
If an au pair is important toyou and that's a necessity for
your family, you go for it.
A private school is a necessityfor me and my family, and we're
having to figure out how to dealwith an increased tuition next
year as we have to switchschools.
The things that are important toyou are important to you, but
(06:25):
that doesn't mean that mathdoesn't work.
If you have made decisions tohave all of these wonderful
things in your life.
Then you've also made thedecision of needing to bring in
more income.
And if your job that lights youup isn't bringing in the money,
then it's time to make a change.
Just because we want to live ina world where we work the job
(06:46):
where we are lit up and exciteddoes not mean that we can
actually live the life where wework that job.
If we haven't set ourselves upfinancially, that's not going to
work.
And so for AB and her husband, Ihave told them, Hey, you guys.
You're not actually stuck.
She came to me and she told meshe was feeling trapped.
(07:06):
And she used the word over andover again.
She was confused and scared andtrapped.
And I said, you have put theparameters on here.
You have decided that these arethe things that you want to
spend your money on.
And so you're the one that'smade the box that you feel
trapped in.
And the really cool thing isthat you're the lid.
(07:27):
So when you're ready to get outof the box, you just take off
the lid.
Yes, right now for their family,what that means is working extra
jobs.
It means for her, she's anartist.
She's going to have to do someextra gig side work for him.
He's going to have to pick up anextra job that makes 20 an hour,
(07:48):
until they can get caught up andunder control.
I'm all for you havingeverything you want out of life.
But we have to make financialdecisions that are based on
reality.
It can't be based on what feelsgood today.
What feels good today is notgoing to help you in the long
run.
So what is the temporarysolution?
For AB and her husband, it wastemporary sidekicks.
(08:10):
That's going to bring in enoughmoney for them to get caught up
and then have more margin intheir life.
And in about three months,they'll be able to go back to
where they were before and nothave to work all of the extra
because they will have setthemselves up financially to
make better choices.
So we talked about focusing ontemporary solutions, temporary,
(08:32):
think one to three months out,what, what can we do that's
going to affect us in the nextweek?
With the fires and the peoplearound me that are having to
stay at hotels or stay withfriends, they're thinking one to
two days out.
And that's okay.
My friends that are near me thathave no power, guess what?
You are welcome to come here.
(08:53):
Going from house to house,friend to friend is okay for a
temporary solution.
On the flip side of focusing ontemporary solutions is of course
avoiding permanent decisions.
There are very few things inlife that are permanent.
Not even tattoos are permanentthese days because you can get
(09:13):
them removed.
Having a baby, it's permanent.
You will always have had a baby,but pretty much anything else
can be undone.
Still, you want to be verycautious.
If you are somebody who isdealing with the fires or
natural disasters, floods overin the East Coast, you know,
(09:34):
Florida and North Carolina gothit really hard.
There's still people living intents over there, and
unfortunately, they don't havecelebrities or walking around
and screaming about this andhelping them get relief that
they need as well over there.
And I'm sorry for that NorthCarolina, I still see you.
But I've got this other clientthat I'm working with.
He's absolutely fabulous, reallyon the ball ready to get things
(09:55):
done.
But he has been having a hardtime making a decision because
he currently lives in a citythat he Loves the city has been
his home almost his entire life.
He loves everything about it.
He loves the sports teams.
He loves the people.
He has loved his job until helost it.
And the city, unfortunately,does not love him back.
(10:19):
His housing prices and costs aregoing up dramatically.
He lives in a home, butinsurance and property taxes are
just going up and he's having ahard time because of that.
Partly because he lost his joband that affects obviously the
income and the money that youhave to spend on these things,
but also because cost of livingon everyday items is going up in
(10:41):
that area.
And he's like, I don't know whatto do.
So to avoid making a permanentdecision, When he and I were
working on his career anddeciding what would be best, he
came up with a list of thingsthat would make staying
possible.
And it was a pretty impressivelist.
He thought about a lot ofthings, including salary,
(11:03):
benefits, packages hours of workdepth of work, skill, things
that were asked of him becausehe wants to be somebody that
contributes.
So he came up with this list andhe said, well, if I get a job
that fits within theseparameters, I will stay.
So he gave himself the potentialof staying, but he also said, if
(11:23):
I don't and I get another jobsomewhere else, then I will go.
And it was not very long at allbefore he landed a job making
more money.
in a different location.
And he called me, he's like,what do I do?
Now we had decided what looking,what staying would look like.
(11:45):
And this is not what stayingwould look like.
This is what going would looklike.
I said, well, have you had a joboffer that's been within the
parameters of the, if I get it,I will stay.
He said, no.
I said, okay, then what are wegoing to do?
And he said, well, I don't know.
I just can't, I'm having a hardtime imagining leaving.
(12:06):
I looked at him, I said, it'snot a permanent decision.
There's nothing permanent aboutmoving.
You can always move back.
In fact, what we ended updeciding was that he was going
to go ahead and take this otherjob opportunity that's in a
totally different location in atotally different state, on a
six month trial basis, insteadof saying, okay, this is the
(12:30):
rest of my life and I'm moving,this is what it's going to be,
no, we're going to go for sixmonths and try it out.
So instead of going from thecity that he's in and moving
across the country and buyingsomething, selling his house and
buying something new, he's goingto rent for six months.
We're going to feel it out andsee how things go, because there
(12:51):
are very few permanentdecisions, but moving across the
country feels pretty permanent.
Thankfully, here in America, youcan always move back.
Still, a lot of times thosefeelings are, Oh, this is
permanent, I can't do anythingto change it.
I have to take money out of thestock market, otherwise there's
nothing else I can do.
Things that are going to hurtyou in the long term.
can feel like permanentdecisions.
(13:13):
And so right now, if you are inthe chaos, I want you to avoid
those.
And instead think of things thatyou can do on a temporary basis
to fix.
The problem, or at least toshore up the problem, just stave
off some of the upset, some ofthe hard, take your time.
And also when you're in themiddle of chaos, actively work
(13:36):
to avoid scams.
They are coming, especiallythere, there've already been
things posted Facebook groups inour local area.
People have been creating fakeGoFundMe accounts pretending to
be somebody that's in need andthey don't even live in the
state or fake organizations thatsay that they're going to take
(14:00):
your money and do good with themand then they don't.
They just put money in theirpocket instead.
This is how older people gettaken advantage of when they
feel like they don't have anyoptions and they do things like
a reverse mortgage, which is nottechnically a scam.
But if you look at the numbers,it's totally a scam.
(14:21):
They get into situations wheresomebody calls and says you
forgot to pay the IRS and youowe this money and you have to
fax it over to me right now, orwe're coming to put you in jail,
or we're taking your kids tojail because they didn't pay the
IRS.
So you have to like, they'rescams all the time.
And when we get desperate, whenwe're in chaos, We get really
dumb about these things, andeven people that are skeptical
(14:46):
people by nature can get takenadvantage of if you're not
paying attention.
So while you're in the middle ofchaos, you have to be extra
cautious and extra thoughtfulbefore you make any decisions,
especially financially or careerwise.
You want to make sure that youare in the right frame of mind
before you do anything that'sgoing to affect your financial
(15:08):
or career future.
The one thing I keep remindingmyself and my friends as we go
through this, we can onlycontrol what we can control.
And I wish I could controleverybody else around me.
I wish I could control theleaders and the decisions that
they have made.
And I can't.
I can control my emotions.
I can control my thoughts.
(15:29):
I can control my actions.
I can control how I choose toteach my children how to behave.
You see, when you're in themiddle of chaos, you have to
control what you can control.
The third person that I wantedto tell you about today is a
fellow coach who is reallystruggling with his business.
(15:50):
In fact, he's not onlystruggling with his business,
he's struggling with his familylife.
Everything feels uncertain tohim right now.
He has had a family member moveinto his home that they are
having to take care of becauseshe can't take care of herself
right now due to medical issues.
And so he's essentially taken ona whole nother family because
this person and their childhoodmoved into their house.
(16:13):
And so he has a wife and achild, and then he has a sister
in law and her child, andthey're in his house and he now
has to support twice the numberof people.
On top of that, he hates hisjob.
Which is never fun for anybody.
And he wants to make hisfinancial coaching career take
off.
So I said, well, what are youwilling to do?
(16:35):
What are you willing to change?
He just kept saying, I don'tknow.
I don't know.
I don't know.
The one piece of advice that Igave him is that he has to take
the next right step.
So we've been through it, right?
We've cried, we've grieved,we've focused on temporary
solutions.
We've avoided permanentdecisions.
We're watching out for scams andwe're trying to control what we
(16:57):
can control.
So we have to take the nextright step.
And maybe that means talkingwith a spouse and making a
really tough decision.
In AB's case, that meant havingto take on a second job and
going from, okay, I finished onejob and now I'm leaving work and
going straight to my second job.
That is terrible.
(17:17):
And it sucks, but it'stemporary.
Sometimes it may mean having toask the person that has moved
into your home to find somewhereelse to go.
And sometimes it could possiblymean.
Letting go of a dream of asecond career for now.
It's hard.
None of these things are fun.
(17:40):
When you're in chaos, it feelslike there's only a rock in a
hard place and there's no otheroptions, but there's always
another option.
If you feel trapped, you were ina box and you, probably, nine
times out of ten, you made thatbox.
And you are the lid because youhave decided it's a black or
white issue.
There's only left or right and Ican't go anywhere else, but I'm
(18:00):
telling you there's forward,backward, up and down.
You can't avoid reality.
Reality will always bat last andit's coming.
You can put your head in thesand for a while.
Trust me, I tried.
And when I popped my head out tolook around and I saw 372, 347
breathing down my neck anddeciding what my life was going
(18:21):
to look like, I decided to takecontrol.
There are things that I cancontrol.
And so I decided to.
Chaos is part of life.
Uncertainty is part of life.
Control what you can control.
Take the next right step andface it head on.
My friends, you have the abilityto take control of your life.
(18:44):
Even in the midst ofuncertainty, there are ways that
you can control it so that youfeel good.
I want you to feel good aboutyour money.
I want you to feel good aboutyour career.
I want you to feel good aboutyour life decisions in general.
It means taking control, makingsome hard decisions.
Very few decisions arepermanent.
(19:05):
Remember that.
I hope that this finds you well.
I hope that it finds you safe.
And if you feel like you can'tget through the uncertainty
without finding somebody to talkto, walking through your budget
together, figuring out yourfinancial situation and what's
best for you in the longterm,figuring out your career and how
(19:26):
you can adjust that so you canlive the life that you want to
live.
Let's jump on a call and have aconversation.
I am always going to be here foryou.
I've been very blessed.
I have not lost power.
I have not lost internet.
Of course, me saying that outloud is probably going to
change, but I still have theability to communicate with you
and I would absolutely love theopportunity.
(19:47):
So reach out.
All you have to do is scrolldown into the show notes,
connect with me, go to mywebsite, accelerateyourlegacy.
com and book a clarity callwhere we will get you clear on
the next right steps.
Alright Accelerators, I'll talkto you soon.
Go out and make a difference.
thank you for spending time withus today on Money and Career
(20:07):
Mastery from Overwhelm toOwnership.
Remember, your legacy isn't justabout financial freedom.
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,
(20:29):
reviewing, and sharing thepodcast.
I'll be back next week with morestrategies to help you master
your money and career.
Until then take ownership ofyour future and build your
legacy with intention.
hello and welcome to money and career mastery from
overwhelmed to ownership.
I'm Laura Sexton, your abundanceand legacy coach here to help
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
(00:22):
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
future generations.
You're in the right place.
Hey, Accelerators, I had anotherpodcast ready for you and we
will get back to our regularlyscheduled programming shortly,
(00:44):
but I wanted to talk to youabout how to make decisions in
the middle of chaos.
You see, I'm currently.
The smack dab in the midst ofchaos there this morning, I got
notifications from my familyoutside of the state that our
town was on the local news beingright smack dab in the middle of
(01:06):
multiple fires.
I knew that a new one had poppedup to our Northeast, but was not
as concerned because it hadn'tgrown yet.
And of course the Palisade fireis right below us.
And we are getting close to theevacuation warning zone.
(01:29):
And by we're getting close, Imean, it's getting close to us.
And so we are monitoring this.
We have some crazy winds lastnight.
They were up to 75 miles anhour, just insane.
You could hear them howlingoutside and when it wakes you up
and it's terrifying, your kidscome in your room cause they're
also scared.
The winds are crazy.
(01:49):
And when the winds are blowingall this fire around, it is it's
no good.
It's no good, friends, and itfeels like chaos.
But on top of that, on Friday,this is currently Tuesday, on
Friday, we got notification thatour kids school was closing.
And not just, okay, we'reclosing But there was a
(02:12):
situation with emerging with adifferent school and they're
trying to help two schools turninto one school and they're
doing it for, logistical reasonsand city regulations and the
parents are enraged and there'sa lot of Name calling and full
(02:33):
on vitriol against people thatmay or may not have had anything
to do with this decision.
The people in charge should havebeen more forthcoming.
They've known about this for awhile.
They should have given us moretime and yet we're here and
there's nothing we can do aboutthe school closing.
There's nothing I can do aboutthe fire and yet I have to make
(02:53):
some very important decisions.
As far as the fires areconcerned, what do I put in a
suitcase?
I had a very difficult time.
My husband was like, theimportant things.
And I was like, all of it'simportant.
How do I pick?
How do I decide what goes in asuitcase?
And if everything's important,then nothing's important.
And I just got reallyoverwhelmed.
I was like, I can't, I can't doit.
(03:14):
I can't figure it out.
I have no idea.
It's a terrible place to be.
Eventually I got the backpackand we're ready.
If something should occur, wecan leave and we will be fine.
When it comes to school, youknow, what do we do?
Where do we go?
What is the right thing for ourchildren?
What are the long termimplications of moving?
(03:34):
There's so many questions and Ifeel like we are just in the
middle of chaos.
So when things are chaotic andthey are uncertain, I want to
give you permission to do twothings first and foremost.
Go ahead and cry.
(03:55):
Feel all of the feelings.
Everything that you're feeling,the overwhelm, the despair, the
confusion.
Give yourself 30 minutes andjust cry.
And be upset about it.
And feel.
Which is not easy in today'sculture.
Like you're not supposed to havefeelings or something.
(04:15):
You're supposed to have it alltogether and hold it together
for the people around us.
And I just don't think thatthat's, I don't think it's wise.
And I don't think it's actuallypossible for us to hold
everything in without explodingat some point to go ahead and
cry and then grieve because thething that you thought was is no
(04:36):
longer.
The safety we had in this home,that we felt in this home, we no
longer feel.
The security of our kids goingto this school and going again
next year and knowing who ourteachers were going to be,
that's all gone.
Go ahead and grieve the loss ofwhat could have been, the loss
of what was, because you have toget through those emotions.
(04:57):
But, when you are done.
There are steps to take.
And what we're going to betalking about today are steps to
take in your money and in yourcareer.
And I've got some really greatexamples because it looks like I
am not the only one in themiddle of chaos and uncertainty.
In fact, I have three peoplethat I'm going to be talking
about today who are also in themiddle of chaos.
(05:19):
So the three things to do afteryou cry and you grieve, and then
we have to move on.
Then we have to do the nextright thing.
Then we have to get up and pullourselves up by our bootstraps
and keep going because we don'tget to stop.
We don't get to stop.
So the first thing you should dois you should focus on temporary
solutions.
Sometimes we just have to getthrough for now.
(05:42):
So I've got this one client.
I'm going to call our AB fortoday.
A B is in a situation of her ownmaking her and her husband have
been working jobs that do notpay as well as they would like.
And they have a mortgage thattakes up most of their money and
they've decided that an au pairis necessary for their family.
(06:03):
And trust me, I am all for youhaving whatever it is that you
want out of life.
If an au pair is important toyou and that's a necessity for
your family, you go for it.
A private school is a necessityfor me and my family, and we're
having to figure out how to dealwith an increased tuition next
year as we have to switchschools.
The things that are important toyou are important to you, but
(06:25):
that doesn't mean that mathdoesn't work.
If you have made decisions tohave all of these wonderful
things in your life.
Then you've also made thedecision of needing to bring in
more income.
And if your job that lights youup isn't bringing in the money,
then it's time to make a change.
Just because we want to live ina world where we work the job
(06:46):
where we are lit up and exciteddoes not mean that we can
actually live the life where wework that job.
If we haven't set ourselves upfinancially, that's not going to
work.
And so for AB and her husband, Ihave told them, Hey, you guys.
You're not actually stuck.
She came to me and she told meshe was feeling trapped.
(07:06):
And she used the word over andover again.
She was confused and scared andtrapped.
And I said, you have put theparameters on here.
You have decided that these arethe things that you want to
spend your money on.
And so you're the one that'smade the box that you feel
trapped in.
And the really cool thing isthat you're the lid.
(07:27):
So when you're ready to get outof the box, you just take off
the lid.
Yes, right now for their family,what that means is working extra
jobs.
It means for her, she's anartist.
She's going to have to do someextra gig side work for him.
He's going to have to pick up anextra job that makes 20 an hour,
(07:48):
until they can get caught up andunder control.
I'm all for you havingeverything you want out of life.
But we have to make financialdecisions that are based on
reality.
It can't be based on what feelsgood today.
What feels good today is notgoing to help you in the long
run.
So what is the temporarysolution?
For AB and her husband, it wastemporary sidekicks.
(08:10):
That's going to bring in enoughmoney for them to get caught up
and then have more margin intheir life.
And in about three months,they'll be able to go back to
where they were before and nothave to work all of the extra
because they will have setthemselves up financially to
make better choices.
So we talked about focusing ontemporary solutions, temporary,
(08:32):
think one to three months out,what, what can we do that's
going to affect us in the nextweek?
With the fires and the peoplearound me that are having to
stay at hotels or stay withfriends, they're thinking one to
two days out.
And that's okay.
My friends that are near me thathave no power, guess what?
You are welcome to come here.
(08:53):
Going from house to house,friend to friend is okay for a
temporary solution.
On the flip side of focusing ontemporary solutions is of course
avoiding permanent decisions.
There are very few things inlife that are permanent.
Not even tattoos are permanentthese days because you can get
(09:13):
them removed.
Having a baby, it's permanent.
You will always have had a baby,but pretty much anything else
can be undone.
Still, you want to be verycautious.
If you are somebody who isdealing with the fires or
natural disasters, floods overin the East Coast, you know,
(09:34):
Florida and North Carolina gothit really hard.
There's still people living intents over there, and
unfortunately, they don't havecelebrities or walking around
and screaming about this andhelping them get relief that
they need as well over there.
And I'm sorry for that NorthCarolina, I still see you.
But I've got this other clientthat I'm working with.
He's absolutely fabulous, reallyon the ball ready to get things
(09:55):
done.
But he has been having a hardtime making a decision because
he currently lives in a citythat he Loves the city has been
his home almost his entire life.
He loves everything about it.
He loves the sports teams.
He loves the people.
He has loved his job until helost it.
And the city, unfortunately,does not love him back.
(10:19):
His housing prices and costs aregoing up dramatically.
He lives in a home, butinsurance and property taxes are
just going up and he's having ahard time because of that.
Partly because he lost his joband that affects obviously the
income and the money that youhave to spend on these things,
but also because cost of livingon everyday items is going up in
(10:41):
that area.
And he's like, I don't know whatto do.
So to avoid making a permanentdecision, When he and I were
working on his career anddeciding what would be best, he
came up with a list of thingsthat would make staying
possible.
And it was a pretty impressivelist.
He thought about a lot ofthings, including salary,
(11:03):
benefits, packages hours of workdepth of work, skill, things
that were asked of him becausehe wants to be somebody that
contributes.
So he came up with this list andhe said, well, if I get a job
that fits within theseparameters, I will stay.
So he gave himself the potentialof staying, but he also said, if
(11:23):
I don't and I get another jobsomewhere else, then I will go.
And it was not very long at allbefore he landed a job making
more money.
in a different location.
And he called me, he's like,what do I do?
Now we had decided what looking,what staying would look like.
(11:45):
And this is not what stayingwould look like.
This is what going would looklike.
I said, well, have you had a joboffer that's been within the
parameters of the, if I get it,I will stay.
He said, no.
I said, okay, then what are wegoing to do?
And he said, well, I don't know.
I just can't, I'm having a hardtime imagining leaving.
(12:06):
I looked at him, I said, it'snot a permanent decision.
There's nothing permanent aboutmoving.
You can always move back.
In fact, what we ended updeciding was that he was going
to go ahead and take this otherjob opportunity that's in a
totally different location in atotally different state, on a
six month trial basis, insteadof saying, okay, this is the
(12:30):
rest of my life and I'm moving,this is what it's going to be,
no, we're going to go for sixmonths and try it out.
So instead of going from thecity that he's in and moving
across the country and buyingsomething, selling his house and
buying something new, he's goingto rent for six months.
We're going to feel it out andsee how things go, because there
(12:51):
are very few permanentdecisions, but moving across the
country feels pretty permanent.
Thankfully, here in America, youcan always move back.
Still, a lot of times thosefeelings are, Oh, this is
permanent, I can't do anythingto change it.
I have to take money out of thestock market, otherwise there's
nothing else I can do.
Things that are going to hurtyou in the long term.
can feel like permanentdecisions.
(13:13):
And so right now, if you are inthe chaos, I want you to avoid
those.
And instead think of things thatyou can do on a temporary basis
to fix.
The problem, or at least toshore up the problem, just stave
off some of the upset, some ofthe hard, take your time.
And also when you're in themiddle of chaos, actively work
(13:36):
to avoid scams.
They are coming, especiallythere, there've already been
things posted Facebook groups inour local area.
People have been creating fakeGoFundMe accounts pretending to
be somebody that's in need andthey don't even live in the
state or fake organizations thatsay that they're going to take
(14:00):
your money and do good with themand then they don't.
They just put money in theirpocket instead.
This is how older people gettaken advantage of when they
feel like they don't have anyoptions and they do things like
a reverse mortgage, which is nottechnically a scam.
But if you look at the numbers,it's totally a scam.
(14:21):
They get into situations wheresomebody calls and says you
forgot to pay the IRS and youowe this money and you have to
fax it over to me right now, orwe're coming to put you in jail,
or we're taking your kids tojail because they didn't pay the
IRS.
So you have to like, they'rescams all the time.
And when we get desperate, whenwe're in chaos, We get really
dumb about these things, andeven people that are skeptical
(14:46):
people by nature can get takenadvantage of if you're not
paying attention.
So while you're in the middle ofchaos, you have to be extra
cautious and extra thoughtfulbefore you make any decisions,
especially financially or careerwise.
You want to make sure that youare in the right frame of mind
before you do anything that'sgoing to affect your financial
(15:08):
or career future.
The one thing I keep remindingmyself and my friends as we go
through this, we can onlycontrol what we can control.
And I wish I could controleverybody else around me.
I wish I could control theleaders and the decisions that
they have made.
And I can't.
I can control my emotions.
I can control my thoughts.
(15:29):
I can control my actions.
I can control how I choose toteach my children how to behave.
You see, when you're in themiddle of chaos, you have to
control what you can control.
The third person that I wantedto tell you about today is a
fellow coach who is reallystruggling with his business.
(15:50):
In fact, he's not onlystruggling with his business,
he's struggling with his familylife.
Everything feels uncertain tohim right now.
He has had a family member moveinto his home that they are
having to take care of becauseshe can't take care of herself
right now due to medical issues.
And so he's essentially taken ona whole nother family because
this person and their childhoodmoved into their house.
(16:13):
And so he has a wife and achild, and then he has a sister
in law and her child, andthey're in his house and he now
has to support twice the numberof people.
On top of that, he hates hisjob.
Which is never fun for anybody.
And he wants to make hisfinancial coaching career take
off.
So I said, well, what are youwilling to do?
(16:35):
What are you willing to change?
He just kept saying, I don'tknow.
I don't know.
I don't know.
The one piece of advice that Igave him is that he has to take
the next right step.
So we've been through it, right?
We've cried, we've grieved,we've focused on temporary
solutions.
We've avoided permanentdecisions.
We're watching out for scams andwe're trying to control what we
(16:57):
can control.
So we have to take the nextright step.
And maybe that means talkingwith a spouse and making a
really tough decision.
In AB's case, that meant havingto take on a second job and
going from, okay, I finished onejob and now I'm leaving work and
going straight to my second job.
That is terrible.
(17:17):
And it sucks, but it'stemporary.
Sometimes it may mean having toask the person that has moved
into your home to find somewhereelse to go.
And sometimes it could possiblymean.
Letting go of a dream of asecond career for now.
It's hard.
None of these things are fun.
(17:40):
When you're in chaos, it feelslike there's only a rock in a
hard place and there's no otheroptions, but there's always
another option.
If you feel trapped, you were ina box and you, probably, nine
times out of ten, you made thatbox.
And you are the lid because youhave decided it's a black or
white issue.
There's only left or right and Ican't go anywhere else, but I'm
(18:00):
telling you there's forward,backward, up and down.
You can't avoid reality.
Reality will always bat last andit's coming.
You can put your head in thesand for a while.
Trust me, I tried.
And when I popped my head out tolook around and I saw 372, 347
breathing down my neck anddeciding what my life was going
(18:21):
to look like, I decided to takecontrol.
There are things that I cancontrol.
And so I decided to.
Chaos is part of life.
Uncertainty is part of life.
Control what you can control.
Take the next right step andface it head on.
My friends, you have the abilityto take control of your life.
(18:44):
Even in the midst ofuncertainty, there are ways that
you can control it so that youfeel good.
I want you to feel good aboutyour money.
I want you to feel good aboutyour career.
I want you to feel good aboutyour life decisions in general.
It means taking control, makingsome hard decisions.
Very few decisions arepermanent.
(19:05):
Remember that.
I hope that this finds you well.
I hope that it finds you safe.
And if you feel like you can'tget through the uncertainty
without finding somebody to talkto, walking through your budget
together, figuring out yourfinancial situation and what's
best for you in the longterm,figuring out your career and how
(19:26):
you can adjust that so you canlive the life that you want to
live.
Let's jump on a call and have aconversation.
I am always going to be here foryou.
I've been very blessed.
I have not lost power.
I have not lost internet.
Of course, me saying that outloud is probably going to
change, but I still have theability to communicate with you
and I would absolutely love theopportunity.
(19:47):
So reach out.
All you have to do is scrolldown into the show notes,
connect with me, go to mywebsite, accelerateyourlegacy.
com and book a clarity callwhere we will get you clear on
the next right steps.
Alright Accelerators, I'll talkto you soon.
Go out and make a difference.
thank you for spending time withus today on Money and Career
(20:07):
Mastery from Overwhelm toOwnership.
Remember, your legacy isn't justabout financial freedom.
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,
(20:29):
reviewing, and sharing thepodcast.
I'll be back next week with morestrategies to help you master
your money and career.
Until then take ownership ofyour future and build your
legacy with intention.
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