July 8, 2025 • 9 mins
In this episode, I dive into a question I hear all the time: "Why am I struggling financially, even though I’m working hard and taking all the right actions?" I’ll share why simply making more money isn’t the answer - and what’s really going on beneath the surface. We’ll talk about financial foundations, mindset, and how to identify the hidden leaks that drain your finances. I introduce my free Cash Flow Calculator to help you gain instant clarity, and invite you to step into the Unstoppable Experience if you’re ready for lasting change. Let’s work together to create unstoppable finances and a truly unstoppable life!
Cashflow Calculator: https://aimeecerka.com/cashflow
For the full transcript and all links mentioned, see the blog post: https://aimeecerka.com/216
Mark as Played
Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
(00:00):
Things you've taken, the courses you'veshown up, you're selling your offers.
(00:03):
So why does it feel likeyou're still stuck financially?
Why are you still stressed about money?
Why is it so hard to feel likeyou're actually getting ahead?
Today?
We're answering a question that I hearso often, and maybe you've asked it too.
Why am I strugglingfinancially and spoil alert?
It's not because you're lazy.
It's not 'cause you're bad withmoney or that you're not working hard
(00:26):
enough, but it's something deeper.
And today we're gonna talkabout it, so let's dive in.
This is the Your Money Your LifePodcast, the show where I help
female entrepreneurs go fromstress and struggle to unstoppable.
Here we blend step-by-step strategy,mindset, work, and emotional regulations
(00:49):
so you can create unstoppable finances,build an unstoppable business, and
truly enjoy your unstoppable life.
It's time to take my wisdom, myexpertise, to help you simplify
money and go beyond the numbers.
I'm your host, Aimee Cerka.
Welcome.
I'm so glad you're here.
(01:10):
Welcome back.
I'm your host, Aimee Cerka.
Today we are talking about thebelief that I see all the time.
If I could just make moremoney, this would all go away.
It would all be fixed if I could justhit that next income goal, right?
That's the go-to almostfeeling assumption.
If you had more revenue, if that nextlaunch lands perfectly, if you hit that
first 5K month, 10 K month, or even20 K month, the stress would be gone.
(01:35):
You would be set.
But here's the reality check.
If more money was the solution, whyare there six and seven figure business
owners still living paycheck to paycheck?
They're still behind other taxes.
They're still avoiding their bookkeeping.
They're still not making anyprofit, and they're lying at weight,
(01:55):
lying awake at night, wonderingif it's all gonna fall apart.
That's because making more money doesn'tautomatically fix the financial struggle.
The real problem isn't the income.
What happens when you think thatwe just need to make more money?
You keep working for it, right?
(02:17):
We keep chasing it.
And we fall into somany different patterns.
It's the, maybe I just need a differentlaunch run strategy, so maybe I
need to try a new launch strategy.
Maybe I should just beposting more on Instagram.
Maybe I need to be more visible.
Oh, I need to hire another new coach.
I need to run ads.
I need to show up in more places.
I need to do the things.
(02:38):
We have the fomo, and we'rebuying programs that we don't
really necessarily need.
Because we're trying harder.
We're pushing more.
And you're, you're thinking, you feellike more actions is going to fix it.
But here's the thing, it's not thatyou aren't making money, even if you're
not at your financial goal yet in yourbusiness, it's not that you aren't
(02:59):
making money, it's that your financialfoundation isn't strong enough to hold it.
And the other part here, energetically,your nervous system and your.
Energetic vibration might notfeel safe enough to receive it.
I know that one stinks.
That is like probably oneof the worst feelings.
(03:20):
I know that I beenthere, done that, right.
One of the worst things that Ifeel like I've gone through, it's
like, you've done all the work.
I have worked my buttoff to get to this place.
I've done these things.
I've taken action, I've moved forward.
All the things, right?
And then you hear like it's me.
And it almost kind of feels like all ofthat work was a waste because you did it,
(03:43):
but you're still not in the right place.
So you're still dealing with allof these problems, and I want you
to know that one's not true at all.
Like that's not true.
There's nothing wrong with you.
We're just looking to improve.
Right?
You're not broken, even thoughI know hearing that it might
feel like you're broken.
(04:07):
So just sit with that for a second.
You're okay.
But your bucket's got leaks.
You're, you're pouringwater into that cracked cup.
If your systems are leaky, if you'reavoiding your numbers, if you're
holding onto shame around your spending,if you are terrified to open your
QuickBooks account or your Stripeaccount or your bank account, um.
(04:30):
All the accounts, right?
If you're constantly in fight or flightaround money, then the more money that
comes in, it just leaks right back out.
The good news, when you plug the leaks.
It stays.
It's a really fast fix.
You see momentum so much fasterwhen we get this one thing fixed.
But no, like this isn't your fault.
(04:51):
Most of us were never taught how tofeel safe with money, how to trust
ourselves, or how to build systemsthat hold wealth in a sustainable way.
And this isn't about like blamingparents or influential people.
It's just not something wewere taught, and part of it is,
you know, the world's changed.
So I don't even know that theycould have actually taught us that
because the things that they would'vetaught us are not applicable.
(05:13):
Like the world has changed toomuch for it to still be the same.
This is a lot of what I teachinside the Unstoppable Experience,
my high touch membership, wherewe're rebuilding your relationship
with money from the inside out.
It's not about fixing you, it'sabout helping you hold, receive,
and direct the money you're making,like giving it intentional places to
(05:34):
go, and we're clearing the internalblocks that are keeping you from more.
Whether it's a mindset shift we needto make, or an energetic alignment
in how you feel about yourself.
You don't necessarily need a new funnel.
You don't need to hustle harder.
We need that clear foundational system.
We need emotional capacity, and youneed to be able, I'm sorry, you need
(05:56):
emotional safety, and then we need toexpand the capacity to hold, which is
already like waiting to come to you.
Or maybe it's already here.
This was a pretty quick episode,and I kind of feel like we're there.
Like this is the thing, if you feellike you're struggling financially,
(06:18):
it's not about doing more, it'sabout doing the aligned things.
It's about having thoseprofitable money systems.
It's about rewiring your mindsetaround money, the way we think,
feel, and your belief in you.
So this at home, your nextstep's gonna be simple.
(06:38):
I want you to grab thecash flow calculator.
It's my free 90 second assessmentstyle calculator that I created
to help you figure out exactlywhere your financial leaks are.
And it's created with the lensthat we hear all the time, like,
I just need to make more money.
So that's why it's theCashflow calculator.
If you go to AimeeCerka.com/cashflow, you'll grab
(06:59):
the cash Cashflow calculator Now.
You don't have to know any ofyour numbers because I know that
would be a tripping point, right?
But you're gonna get instantclarity on which area needs your
attention and what to do next.
There's also a bonus in there thatyou can get my feedback on it.
Yeah, but if you're thinking,okay, that sounds great, Aimee,
but I am so totally done with this.
(07:22):
I'm ready for more thanjust the free resource.
If you're ready to feel safe,confident, and powerful with your
money, then it's time to join meinside the Unstoppable experience.
That's where we blend mindset,financial systems and support
to create the permanent shifts.
We are not putting bandaid fixes on it.
Uh, is one of the thingslike we need to build.
(07:44):
The lifestyle of financial literacy sothat you truly are that powerful, CEO,
that unstoppable version of you, and stopputting band-aids on the problem, right?
Aimee Cerka.com/unstoppable forall the details, and you can
book a clarity call with me.
We'll talk about if it'sthe right program for you.
(08:04):
Regardless, grab a cashflowcalculator or if you're ready
to be an all in unstoppableexperience, I want you to know this.
You're not struggling becauseyou're bad with money.
You're struggling because no one has ever.
I showed you how to feel safe, hold more,and lead with power when it comes to your
finances, and that changes right now.
(08:25):
You're not behind.
You're on the edge of a breakthrough.
Start with the cashflow calculatorand then step into the unstoppable
experience when you are ready.
I am here to support you.
That's what I've got for now.
We'll see you next time.
Are you tired of not seeingconsistent cash flow?
(08:45):
What if you could stop wastingcountless hours working on the
wrong things, only to leave yourselfmore frustrated than you started?
All without jumping from strategyto strategy, just trying to find one
that works and without requiring.
A week of reflection or a time on itbecause you don't have the time to
do the things you need to as it is.
That's you.
(09:05):
My cashflow calculatormight be perfect for you.
This assessment style calculatorreveals your blind spots.
And what you're missing so thatyou can finally see consistent
cashflow month after month.
So grab my cashflow calculator and unlockthe right work that you're probably
already doing in order to finally seeconsistent cashflow month after month.
(09:26):
It's only gonna take you 90 seconds,and you won't need to know any of
your numbers to actually do this.
Then, as a bonus, there's aspecial way you can get me to
give you feedback on your results.
Simply go to amy circa.com/cashflow.
To access, and of course that link ishanging out in the show notes for you.
Things you've taken, the courses you'veshown up, you're selling your offers.
(00:03):
So why does it feel likeyou're still stuck financially?
Why are you still stressed about money?
Why is it so hard to feel likeyou're actually getting ahead?
Today?
We're answering a question that I hearso often, and maybe you've asked it too.
Why am I strugglingfinancially and spoil alert?
It's not because you're lazy.
It's not 'cause you're bad withmoney or that you're not working hard
(00:26):
enough, but it's something deeper.
And today we're gonna talkabout it, so let's dive in.
This is the Your Money Your LifePodcast, the show where I help
female entrepreneurs go fromstress and struggle to unstoppable.
Here we blend step-by-step strategy,mindset, work, and emotional regulations
(00:49):
so you can create unstoppable finances,build an unstoppable business, and
truly enjoy your unstoppable life.
It's time to take my wisdom, myexpertise, to help you simplify
money and go beyond the numbers.
I'm your host, Aimee Cerka.
Welcome.
I'm so glad you're here.
(01:10):
Welcome back.
I'm your host, Aimee Cerka.
Today we are talking about thebelief that I see all the time.
If I could just make moremoney, this would all go away.
It would all be fixed if I could justhit that next income goal, right?
That's the go-to almostfeeling assumption.
If you had more revenue, if that nextlaunch lands perfectly, if you hit that
first 5K month, 10 K month, or even20 K month, the stress would be gone.
(01:35):
You would be set.
But here's the reality check.
If more money was the solution, whyare there six and seven figure business
owners still living paycheck to paycheck?
They're still behind other taxes.
They're still avoiding their bookkeeping.
They're still not making anyprofit, and they're lying at weight,
(01:55):
lying awake at night, wonderingif it's all gonna fall apart.
That's because making more money doesn'tautomatically fix the financial struggle.
The real problem isn't the income.
What happens when you think thatwe just need to make more money?
You keep working for it, right?
(02:17):
We keep chasing it.
And we fall into somany different patterns.
It's the, maybe I just need a differentlaunch run strategy, so maybe I
need to try a new launch strategy.
Maybe I should just beposting more on Instagram.
Maybe I need to be more visible.
Oh, I need to hire another new coach.
I need to run ads.
I need to show up in more places.
I need to do the things.
(02:38):
We have the fomo, and we'rebuying programs that we don't
really necessarily need.
Because we're trying harder.
We're pushing more.
And you're, you're thinking, you feellike more actions is going to fix it.
But here's the thing, it's not thatyou aren't making money, even if you're
not at your financial goal yet in yourbusiness, it's not that you aren't
(02:59):
making money, it's that your financialfoundation isn't strong enough to hold it.
And the other part here, energetically,your nervous system and your.
Energetic vibration might notfeel safe enough to receive it.
I know that one stinks.
That is like probably oneof the worst feelings.
(03:20):
I know that I beenthere, done that, right.
One of the worst things that Ifeel like I've gone through, it's
like, you've done all the work.
I have worked my buttoff to get to this place.
I've done these things.
I've taken action, I've moved forward.
All the things, right?
And then you hear like it's me.
And it almost kind of feels like all ofthat work was a waste because you did it,
(03:43):
but you're still not in the right place.
So you're still dealing with allof these problems, and I want you
to know that one's not true at all.
Like that's not true.
There's nothing wrong with you.
We're just looking to improve.
Right?
You're not broken, even thoughI know hearing that it might
feel like you're broken.
(04:07):
So just sit with that for a second.
You're okay.
But your bucket's got leaks.
You're, you're pouringwater into that cracked cup.
If your systems are leaky, if you'reavoiding your numbers, if you're
holding onto shame around your spending,if you are terrified to open your
QuickBooks account or your Stripeaccount or your bank account, um.
(04:30):
All the accounts, right?
If you're constantly in fight or flightaround money, then the more money that
comes in, it just leaks right back out.
The good news, when you plug the leaks.
It stays.
It's a really fast fix.
You see momentum so much fasterwhen we get this one thing fixed.
But no, like this isn't your fault.
(04:51):
Most of us were never taught how tofeel safe with money, how to trust
ourselves, or how to build systemsthat hold wealth in a sustainable way.
And this isn't about like blamingparents or influential people.
It's just not something wewere taught, and part of it is,
you know, the world's changed.
So I don't even know that theycould have actually taught us that
because the things that they would'vetaught us are not applicable.
(05:13):
Like the world has changed toomuch for it to still be the same.
This is a lot of what I teachinside the Unstoppable Experience,
my high touch membership, wherewe're rebuilding your relationship
with money from the inside out.
It's not about fixing you, it'sabout helping you hold, receive,
and direct the money you're making,like giving it intentional places to
(05:34):
go, and we're clearing the internalblocks that are keeping you from more.
Whether it's a mindset shift we needto make, or an energetic alignment
in how you feel about yourself.
You don't necessarily need a new funnel.
You don't need to hustle harder.
We need that clear foundational system.
We need emotional capacity, and youneed to be able, I'm sorry, you need
(05:56):
emotional safety, and then we need toexpand the capacity to hold, which is
already like waiting to come to you.
Or maybe it's already here.
This was a pretty quick episode,and I kind of feel like we're there.
Like this is the thing, if you feellike you're struggling financially,
(06:18):
it's not about doing more, it'sabout doing the aligned things.
It's about having thoseprofitable money systems.
It's about rewiring your mindsetaround money, the way we think,
feel, and your belief in you.
So this at home, your nextstep's gonna be simple.
(06:38):
I want you to grab thecash flow calculator.
It's my free 90 second assessmentstyle calculator that I created
to help you figure out exactlywhere your financial leaks are.
And it's created with the lensthat we hear all the time, like,
I just need to make more money.
So that's why it's theCashflow calculator.
If you go to AimeeCerka.com/cashflow, you'll grab
(06:59):
the cash Cashflow calculator Now.
You don't have to know any ofyour numbers because I know that
would be a tripping point, right?
But you're gonna get instantclarity on which area needs your
attention and what to do next.
There's also a bonus in there thatyou can get my feedback on it.
Yeah, but if you're thinking,okay, that sounds great, Aimee,
but I am so totally done with this.
(07:22):
I'm ready for more thanjust the free resource.
If you're ready to feel safe,confident, and powerful with your
money, then it's time to join meinside the Unstoppable experience.
That's where we blend mindset,financial systems and support
to create the permanent shifts.
We are not putting bandaid fixes on it.
Uh, is one of the thingslike we need to build.
(07:44):
The lifestyle of financial literacy sothat you truly are that powerful, CEO,
that unstoppable version of you, and stopputting band-aids on the problem, right?
Aimee Cerka.com/unstoppable forall the details, and you can
book a clarity call with me.
We'll talk about if it'sthe right program for you.
(08:04):
Regardless, grab a cashflowcalculator or if you're ready
to be an all in unstoppableexperience, I want you to know this.
You're not struggling becauseyou're bad with money.
You're struggling because no one has ever.
I showed you how to feel safe, hold more,and lead with power when it comes to your
finances, and that changes right now.
(08:25):
You're not behind.
You're on the edge of a breakthrough.
Start with the cashflow calculatorand then step into the unstoppable
experience when you are ready.
I am here to support you.
That's what I've got for now.
We'll see you next time.
Are you tired of not seeingconsistent cash flow?
(08:45):
What if you could stop wastingcountless hours working on the
wrong things, only to leave yourselfmore frustrated than you started?
All without jumping from strategyto strategy, just trying to find one
that works and without requiring.
A week of reflection or a time on itbecause you don't have the time to
do the things you need to as it is.
That's you.
(09:05):
My cashflow calculatormight be perfect for you.
This assessment style calculatorreveals your blind spots.
And what you're missing so thatyou can finally see consistent
cashflow month after month.
So grab my cashflow calculator and unlockthe right work that you're probably
already doing in order to finally seeconsistent cashflow month after month.
(09:26):
It's only gonna take you 90 seconds,and you won't need to know any of
your numbers to actually do this.
Then, as a bonus, there's aspecial way you can get me to
give you feedback on your results.
Simply go to amy circa.com/cashflow.
To access, and of course that link ishanging out in the show notes for you.
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