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August 19, 2025 16 mins

Let's dive into the mindset side of money - the inner conversations and beliefs that shape our financial decisions. You'll hear how guilt, fear, avoidance, and the need to prove yourself can sabotage your progress, and I’ll share two powerful mindset shifts: reframing your feelings about debt and learning to receive without tying your worth to hard work.

Plus, I’ll give you strategies to move from financial stress and guilt to true abundance and peace. If you’re ready to become unstoppable with money, this episode is for you!

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For the full transcript and all links mentioned, see the blog post: https://aimeecerka.com/220

 

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Episode Transcript

Available transcripts are automatically generated. Complete accuracy is not guaranteed.
(00:00):
We're talking about the second ofour three modalities that we use

(00:05):
to help you be unstoppable withmoney that make your money work,
not just on paper, but in real life.
Today we're digging into mindset, thatinner conversation that's running the
show, whether you realize it or not.
So if you ever beat yourself upfor overspending, second guess the
financial decision or felt pressuredto constantly air quotes, do better.

(00:28):
This episode is for you becausewhen you shift your mindset
around money, you shift so much.
Let's talk about how to gofrom financial guilt and stress
to peace and personal power.
Let's get to it.

(00:52):
This is Money Simplified, thepodcast where I help female
entrepreneurs go from stress andstruggle to unstoppable with money.
Money is more than just budgetingand p and Ls, and we're gonna
take you through all of it here.
We blend proven financial strategywith mindset work and energetic
alignment, so you can create unstop.
Finances, build an unstoppable businessand truly enjoy your unstoppable life.

(01:14):
It's time to take my wisdom andmy expertise to help you simplify
money and go beyond the numbers.
I'm your host, Aimee Cerka.
Welcome.
I'm so glad you're here.
Welcome back to Money Simplified.
I'm your host, Aimee Cerka.
Before we dive into today'sepisode, all about mindset.

(01:34):
To celebrate the launchof Money simplified, I'm
hosting a special giveaway.
Here's how it works.
Share about the show on yourfavorite social platform.
Take a screenshot if you listeningto it, share a takeaway, a
quote, why you recommend it.
But here's the important part.
Tag me at Aimee Cerka so that I see it.
When you do, you're gonna be enteredto win your choice between a free

(01:55):
coaching call or free money audit.
With me, it's my way of sayingthank you for helping kickoff money
simplified and spread the word.
So let's talk about mindset.
This is the emotional and mental.
Slide of money.
This is where we see guilt showup, we see fear, we see avoidance.

(02:15):
We feel like we have toprove something, et cetera.
And like, I'm gonna give you someexamples of those because oftentimes we
don't even realize like how we do it.
But the important thinghere, I wanna highlight, this
isn't just like fluff work.
Okay?
This is really important.
And to make the strategy, the systemsthat we talked about last week.

(02:39):
Actually work.
We need the mindset, because if youput this strategy in place, but you
feel guilty about how much you'vespent in your business, and you're not
seeing the return yet, you're not gonnaactually go back and use the system.
So you'll u you'll do all this work toset it up, or there's another part here.

(03:00):
But we'll say you did all this workto set it up, but you're not actually
using it because the guilt that youwere experiencing over the decisions
that you've made in the past and themeaning you're putting around the fact
that you've invested this much in yourbusiness and you still aren't seeing
the return that you thought that youshould, the expectation that you had.

(03:20):
That's debilitating, and then thestrategy doesn't even work because
your mind is protecting you.
You don't feel safe.
You're not doing those things.
We also do the same thing with fear,like if we're afraid of missing
out or afraid of messing up, wellbuy the shiny object program.

(03:40):
The new coach promised that thisis gonna be the solution to all
the problems and the strategy thecoach is teaching might work because
a lot of the strategies do work.
It's about what works for you.
Again, it has to besomething that works for you.
It has to fit because all the differentstrategies work, but what works for
you, and if you are buying things outof fear and fomo and you don't know,

(04:05):
you feel like you're missing something.
That's the mindset, andagain, we're not feeling safe.
Avoidance is another one.
This is a popular,, feeling when we,we let it slip to the back burner.
A lot of times I hearI'm not good with money.
I'm not a numbers person, butwe don't make it a priority.

(04:27):
That's part of the reasonwhy I created Execution Lab
was to help you not avoid it.
Like if it's scheduled on yourcalendar, you make time for the things
that you need to within your money.
But it's funny, like you could evenbe in Execution Lab and still be
successful in avoiding it, but likethat's the mindset piece here, right?
If we're avoiding it, we gottalook at why, and then like,
okay, what's the solution?

(04:48):
Like, how do you not avoid it?
Is it getting support so that you'rejust checking in with the data
afterwards that you're not actuallyhaving to do the hands-on part?
That's a very valid solution.
It works, but you have to do something.
If we're just avoiding it,your mind is protecting you.
The last one here that I mentionedwas proving, and if we have like a,

(05:11):
I have to prove I can do this, I haveto prove that I can be successful.
This can be, you know,like , a parent wound.
Like you feel like you have to outwork, dothe things, prove you've earned it, right?
We're gonna get to thatin a second on receiving.
This is one of the key mindsetshifts that we make, um, to help you
regulate, reframe, all of those things.

(05:32):
But if you feel like you have to doall this work to prove that you're
worthy enough, you're successful andyou're not a failure, and whatever
else it might be, that's the mindsetpiece that we have to reframe.
We have to uncover those blocks andhandle them so that you feel safe in your
body and you feel safe with money, andyou feel safe being the powerful CEO.

(05:59):
Like we are the mindset and our brain isstill wired with that primal response.
And if we have created a, I'mnot safe win, we don't even
realize that we're doing this.
And this is why the Unstoppable Momentumpart of the Unstoppable Finances framework

(06:19):
and having coaching is so key because wedon't realize the things that we're doing.
And when you have somebody that cansee and gets it, Hey, been there,
been in the trenches with you?
I'm still, we're still working through it.
It's not like this, uh, I've arrived,put us on a pedestal type thing,
like still going through it andcan understand and help you see.

(06:41):
Where your blind spots might be.
Those shifts can be game changing.
Alright, two key shifts I wantedto highlight too for you today.
When it comes to the mindset, I thinkfirst and foremost, if you've been with
me, I don't know any length of time.
This is probably the thing that I'vetalked about for years and years

(07:02):
and years and years and years, but.
It has to do with your debt.
And we have so muchguilt and societal shame.
Oh, that should have made the list.
Shame.
We make so many moneydecisions outta shame.
We have so much guilt andshame tied up around debt and
creating meaning around debt.

(07:22):
And you're gonna hear thatphrase quite a bit, right?
Because our mindset so many of the timesis what, like the meaning that we're
creating around these experiences becausethe experience that you're having.
$20,000 in debt, a hundredthousand dollars in debt, $5,000
in debt, whatever it might be.
That's just a fact.

(07:44):
The meaning that you're putting on itwhere there's something wrong with you or
you're not ready, or you should have donebetter or you made mistakes and whatever
it might, the beating yourself up over,I'm never gonna get out of this debt.
That's the mindset we have to shift.
So first off, focusingon your debt has never.
Doesn't work well.

(08:04):
98% of people, there's a very,very, very, very small group.
That can be hardcore focused on the debtpayoff and achieve it, but you're focusing
on lack, and I know that you're herebecause you want to create abundance.
You wanna create that aligned abundance,and you want to feel unstoppable, like

(08:26):
you want to enjoy these things, notjust be nickel and dimming yourself
or pinching pennies or any of thosethings, and that's not what you do.
We talk about the power,like let's make this shift.
Think about the power that you have.
That you were able to get the bankto give you money so that you can go

(08:46):
spend it, that you haven't earned yet.
Like how powerful is that?
And if you are powerful enough thatyou were given that money from the
bank to be able to go spend, wouldn'tyou be powerful enough to receive
that amount of money, income, revenue?

(09:09):
Right, and as entrepreneurs, as businessowners, we shouldn't be worried about
the debt, like it's a leverage thing.
We're using it as a tool in our toolbox.
It doesn't mean anything about you at all.
And even if it did, even ifit did, it's in the past.

(09:29):
What the heck can you do about it now?
There is nothing you can doright now to change the debt
that you got into in the past.
Been there, done that.
It's already happened, and youwasting energy and you wasting space.
Feeling guilty about it is onlysabotaging your continued success

(09:49):
and it doesn't have to take forever.
What if, what if a client came to youtomorrow and they were like, I wanna
pay in full for six months of coaching.
Wrote you.
A $10,000 check, a $20,000 check.
What if something showedup and you wiped it out?
What if it takes six months?

(10:10):
What if, why does ithave to mean anything?
The focus that you should have asopposed to focusing on your debt payoff.
Now we have a strategy so that we'repaying off debt smartly, right?
The strategic way we pay off debt, it'sstill in place, but that's not our focus.
That's just the action that we takeon the background, the mindset, the

(10:31):
thing that we focus on is our net worthbecause as you step into that powerful
CEO role, your net worth is gonna growbecause your revenue's gonna increase.
Your profitability is going to increase,but as you pay off that debt as well,
your network is still going to increase.
That's your focus.
Debt is such a leverage tool when it'sused, aligned, and if you didn't use

(10:55):
it in a great aligned way in the past,oh well, it doesn't matter anymore.
There's nothing you cando right now to change it.
And if you were stuck in that andyou're like, oh, I bought this
thing and I shouldn't have andI should have known better, or
a marriage you got into that you shouldhave known better, whatever it might be.

(11:17):
I want you to come up with ideally10 things that are benefits that came
from that choice at a minimum three.
Five is better, ten's best 'causewe're gonna reframe that choice.
We're gonna find the benefit sothat you can see the positive, the
learning experience that you hadfrom that decision that you made.

(11:41):
And if you didn't learn the lessonall the way, and you had to learn it
a couple times, like still completethis exercise, this is so key.
Don't just tell me I can't do it.
You gotta complete this.
Okay.
The second thing I wanted to highlight,the second shift that I wanted to
highlight is receiving, receiving revenue,receiving money, however you wanna look

(12:04):
at it, but when you tie the fact thatyou have to work hard for your money,
that's the thing that we have to shift.
Because what if you didn't?
What if you were able to receivejust because you're worthy as is,
the birds are taken care of, theants, all of those things, are

(12:27):
you not just as important as them,if not more important, right?
Like I would say we're more important.
Not that we're not taking care of theearth, but they are taken care of.
Why can't you be taken care of?
Like they don't have to go earn it.
I don't see anywhere in the Biblewhere it talks about like, you

(12:50):
have to go work, work to receive.
No, we're we're receivingthings without the work.
Yes, we go do the work I, butask and you shall receive.
Like, what if it didn't have tobe, what if it didn't have to
be this hard work all the time?

(13:11):
What if the hard workthat you did last week?
Last year, somebody came and boughtsomething, so you can be sitting on
the beach or sitting on the couchwatching Netflix and somebody can
find the work that you've done inthe past and they're like, I'm ready.
I,

(13:32):
it doesn't have to be hard.
And until we shift that.
It's gonna be hard.
Alright, where does this land for you?
I wanna hear your thoughts.
We talked about two key powerfulthings today, so send me a message
on Instagram at Aimee Soka.
I wanna hear where you're at, but ifyou're realizing that your thoughts,

(13:55):
your beliefs, or your emotionalpatterns are part of what's keeping
you stuck with your money, okay?
First off, you're not alone.
And the good news, this is theexact kind of work that I go into
inside the Money Mindset playbook.
It's a free private podcast series thatguides you through the emotional side
of money, including gratitude, emotionaltriggers, and healing your relationship

(14:16):
with finances so you can shift fromthat survival mode to confident action.
Because it's a private podcast series,you can binge it on the go, and each
episode is designed to help you createpowerful mindset shifts or plays
as I like to call 'em that stick.
So go to Aimee Cerka.com/mindset,or click the link in the show notes

(14:37):
to start listening to that now.
Okay.
Also remember to celebrate thelaunch of Money Simplified.
I'm giving away a freecoaching call or money audit.
Your Choice.
All you have to do is share thispodcast on your social media.
Tag me at Aimee Cerka and you're entered.
Take a screenshot, share yourfavorite quote, whatever it might be.

(14:57):
Just make sure to tag meso that I can enter you.
We're gonna spread the word.
And kickoff money simplified, strong.
So we've talked about the strategic side,we've talked about the mindset side.
We're gonna come back next weektalking about the third and final
piece, which is really the keyto creating flow with money.

(15:21):
So make sure to stay tuned and remember,you're not behind, you're not broken,
and you're definitely not alone.
You're building somethingreal and that takes courage.
So keep going.
You're doing better than you think.
We're doing this the unstoppable way.
That's it for now.
We'll see you next time.

(15:43):
Thank you so much forlistening to Money Simplified.
My favorite place tohang out is on Instagram.
You can find me at Aimee Cerka to catchall the behind the scenes of my stories.
Send me a message to share yourbiggest takeaway or just to say hi.
I love hearing from podcast list.
Nurse, when you're ready to take actionon your mindset, your money, or the
systems behind it all, I'm here for you.

(16:03):
Whether you're snagging a free resource,exploring a mini course, diving into the
fundamentals with Money Mastery Academy,getting in-depth support inside the
unstoppable experience, or schedulinga complimentary bookkeeping consult to
finally get hands on help with your books.
Your next step is waiting for you, amycirca.com/podcast links has all the

(16:24):
information, and of course, that link ishanging out in the show notes for you.
We'll see you next time.
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