Transforming Money Mindset for Female Entrepreneurs

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Ep. 220: Shifting Your Money Mindset – From Guilt to Growth

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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Resources:

Money Mindset Playbook – https://aimeecerka.com/mindset
What’s The Best Debt Payoff Method – https://aimeecerka.com/147
Instagram – https://instagram.com/aimeecerka
Work With Aimee – https://workwithaimee.com

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Unlocking Unstoppable Finances: The Power of Mindset

We’re talking about the second of our three modalities that we use to help you be unstoppable with money that make your money work not just on paper, but in real life.

Today, we’re digging into mindset, that inner conversation that’s running the show whether you realize it or not.

So if you ever beat yourself up for overspending, second guess a financial decision, or felt pressured to constantly “do better,” this episode is for you.

When you shift your mindset around money, you shift so much.

Let’s talk about how to go from financial guilt and stress to peace and personal power.

Let’s get to it.

Welcome to Money Simplified

This is Money Simplified, the podcast where I help female entrepreneurs go from stress and struggle to unstoppable with money.

Money is more than just budgeting and P&Ls, and we’re going to take you through all of it.

Here we blend proven financial strategy with mindset work and energetic alignment so you can create unstoppable finances, build an unstoppable business, and truly enjoy your unstoppable life.

It’s time to take my wisdom, my 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.

Mindset: The Emotional and Mental Side of Money

Before we dive into today’s episode, all about Mindset, to celebrate the launch of Money Simplified, I’m hosting a special giveaway.

Here’s how it works. Share about the show on your favorite social platform.

Take a screenshot if you’re listening to it, share a takeaway, a quote, why you recommend it.

But here’s the important part. Tag me @AimeeCerka so that I see it.

When you do, you’re going to be entered to win your choice between a free coaching call or free money audit with me.

It’s my way of saying thank you for helping kick off Money Simplified and spread the word.

So let’s talk about Mindset. This is the emotional and mental side of money.

Identifying Guilt, Fear, and Avoidance

This is where we see guilt show up, we see fear, we see avoidance, we feel like we have to prove something, etc.

I’m going to give you some examples of those because oftentimes we don’t even realize, like, how we do it.

But the important thing here I want to highlight, this isn’t just like fluff work, okay?

This is really important.

And to make the strategy, the systems that we talked about last week actually work, we need the mindset.

Because if you put this strategy in place but you feel guilty about how much you’ve spent in your business and you’re not seeing the return yet, you’re not going to actually go back and use the system.

The Impact of Guilt and Unrealistic Expectations

So you’ll do all this work to set it up. Or there’s another part here, but we’ll say you did all this work to set it up, but you’re not actually using it.

Because the guilt that you are experiencing over the decisions that you’ve made in the past and the meaning you’re putting around, the fact that you’ve invested this much in your business and you still aren’t seeing the return that you thought that you should, the expectation that you had, that’s debilitating.

And then the strategy doesn’t even work because your mind is protecting you. You don’t feel safe, you’re not doing those things.

We also did the same thing with fear. Like, if we’re afraid of missing out or afraid of messing up—well, buy the Shiny Object program, the new coach promised that this is going to be the solution to all the problems.

The Role of Fear, FOMO, and Avoidance

And the strategy the coach is teaching might work because a lot of the strategies do work.

It’s about what works for you.

Again, it has to be something that works for you. It has to fit because all the different strategies work.

But what works for you? And if you are buying things out of fear and FOMO and you don’t know, you feel like you’re missing something, that’s the mindset.

And again, we’re not feeling safe.

Avoidance is another one. This is a popular feeling when we let it slip to the back burner.

A lot of times I hear I’m not good with money, I’m not a numbers person, but we don’t make it a priority.

That’s part of the reason why I created Execution Lab—to help you not avoid it.

If it’s scheduled on your calendar, you make time for the things that you need to within your money.

But it’s funny, like you could even be in Execution Lab and still be successful in avoiding it.

But like that’s the mindset piece here, right?

If we’re avoiding it, we have to look at why and then like, okay, what’s the solution?

Breaking Through Proving and Receiving Barriers

How do you not avoid it? Is it getting support so that you’re just checking in with the data afterwards and you’re not actually having 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 mentioned was proving.

And if we have like an “I have to prove I can do this,” I have to prove that I can be successful, this can be, you know, like a parent wound.

Like you feel like you have to outwork, do the things, prove you’ve earned it, right?

We’re going to get to that in a second. On receiving.

This is one of the key mindset shifts that we make to help you regulate, reframe all of those things.

But if you feel like you have to do all this work to prove that you’re worthy enough, you’re successful and you’re not a failure and whatever else it might be, that’s the mindset piece that we have to reframe.

We have to uncover those blocks and handle them so that you feel safe in your body and you feel safe with money and you feel safe being the powerful CEO like we are.

How Blind Spots Hold You Back

The mindset and our brain is still wired with that primal response.

And if we have created I’m not safe when we don’t even realize that we’re doing this.

This is why the unstoppable momentum part of the unstoppable finances framework and having coaching is so key because we don’t realize the things that we’re doing.

And when you have somebody that can see 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, I’ve arrived, put us on a pedestal type thing.

Like, still going through it and can understand and help you see where your blind spots might be.

Those shifts can be game changing.

Two Key Mindset Shifts to Financial Power

All right, two key shifts I wanted to highlight for you today.

When it comes to the mindset, I think first and foremost, if you’ve been with me, I don’t know any length of time.

This is probably the thing that I’ve talked about for years and years and years and years and years.

But it has to do with your debt.

And we have so much guilt and societal shame.

Oh, that should have made the list. Shame.

We make so many money decisions out of shame.

We have so much guilt and shame tied up around debt and creating meaning around debt.

And you’re going to hear that phrase quite a bit, right?

Because our mindset so many of the times is what, like, the meaning that we’re creating around these experiences.

Because the experience that you’re having—$20,000 in debt, $100,000 in debt, $5,000 in debt, whatever it might be—that’s just a fact.

The meaning that you’re putting on it where there’s something wrong with you or you’re not ready or you should have done better or you made mistakes and whatever it might be, the beating yourself up over, I’m never going to get out of this debt.

That’s the mindset we have to shift.

Focusing on Net Worth, Not Debt

So first off, focusing on your debt has never worked well.

98% of people, there’s a very, very, very, very small group that can be hardcore focused on the debt payoff and achieve it.

But you’re focusing on lack.

And I know that you’re here because you want to create abundance.

You want to create that aligned abundance and you want to feel unstoppable.

Like you want to enjoy, not just be nickel and diming yourself or pinching pennies or any of those things.

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 bank to give you money so that you can go spend it that you haven’t earned yet.

Like, how powerful is that?

And if you’re powerful enough that you were given that money from the bank to be able to go spend, wouldn’t you be powerful enough to receive that amount of money, income, revenue?

And as entrepreneurs, as business owners, 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.

Reframing Debt and Embracing Abundance

And even if it did, even if it did, it’s in the past.

What the heck can you do about it now?

There is nothing you can do right now to change the debt that you got into in the past.

Been there, done that.

It’s already happened.

And you wasting energy and you wasting space, feeling guilty about it is only sabotaging your continued success.

And it doesn’t have to take forever.

What if, what if a client came to you tomorrow and they were like, I want to pay in full for six months of coaching, wrote you a $10,000 check, a $20,000 check.

What if something showed up and you wiped it out?

What if it takes six months? What if?

Why does it have to mean anything?

The focus that you should have as opposed to focusing on your debt payoff—

Now we have a strategy so that we’re paying off debt smartly, right? The strategic way we pay off debt, it’s still in place, but that’s not our focus.

That’s just the action that we take on the background; the mindset, the thing that we focus on is our net worth.

Because as you step into that powerful CEO role, your net worth is going to grow because your revenue is going to increase, your profitability is going to increase.

But as you pay off that debt as well, your net worth is still going to increase.

That’s your focus.

Debt is such a leverage tool when it’s used aligned.

And if you didn’t use it in a great aligned way in the past, oh well, it doesn’t matter anymore.

There’s nothing you can do right now to change it.

And if you were stuck in that, you’re like, I bought this thing and I shouldn’t have and I should have known better, or a marriage, you got into that, you should have known better, whatever it might be.

I want you to come up with ideally, 10 things that are benefits that came from that choice—at a minimum three, five is better, ten’s best.

Because we’re going to reframe that choice.

We’re going to find the benefit so that you can see the positive, the learning experience that you had from that decision that you made.

And if you didn’t learn the lesson all the way, and you had to learn it a couple times, like, still complete this exercise.

This is so key.

Don’t just tell me you can’t do it. You got to complete this, okay?

Shifting from Hard Work to Receiving

The second thing I wanted to highlight, the second shift that I wanted to highlight is receiving—receiving revenue, receiving money, however you want to look at it.

But when you tie the fact that you 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 receive just because you’re worthy as is?

The birds are taken care of, the ants, all of those things.

Are 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 the earth, 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 Bible where it talks about, like, you have to go work, work to receive.

No, we’re receiving things without the work.

Yes, we go do the work. But ask and you shall receive.

What if it didn’t have to be, what if it didn’t have to be this hard work all the time?

What if the hard work that you did last week, last year, somebody came and bought something so you can be sitting on the beach or sitting on the couch watching Netflix and somebody can find the work that you’ve done in the past and they’re like, I’m ready.

It doesn’t have to be hard.

And until we shift that, it’s going to be hard.

Taking the Next Step in Your Money Mindset

All right, where does this land for you? I want to hear your thoughts.

We talked about two key powerful things today, so send me a message on Instagram @AimeeCerka.

I want to hear where you’re at.

But if you’re realizing that your thoughts, your beliefs, or your emotional patterns are part of what’s keeping you stuck with your money, okay, first off, you’re not alone.

And the good news? This is the exact kind of work that I go into inside the Money Mindset Playbook.

It’s a free private podcast series that guides you through the emotional side of money, including gratitude, emotional triggers, and healing your relationship with finances.

So you can shift from that 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 create powerful mindset shifts, or plays, as I like to call them, that stick.

So go to aimeecerka.com/mindset or click the link in the show notes to start listening to that now.

Spread the Word and Step Into Unstoppable Finances

Also, remember, to celebrate the launch of Money Simplified, I’m giving away a free coaching call or money audit. Your choice.

All you have to do is share this podcast on your social media, tag me @AimeeCerka and you’re entered.

Take a screenshot, share your favorite quote, whatever it might be.

Just make sure to tag me so that I can enter you.

We’re going to spread the word and kick off Money Simplified strong.

So we’ve talked about the strategic side, we’ve talked about the mindset side.

We’re going to come back next week talking about the third and final piece, which is really the key to creating flow with money.

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 something real, 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.

Connect with Aimee Cerka and Take Action

Thank you so much for listening to Money Simplified.

My favorite place to hang out is on Instagram. You can find me @AimeeCerka to catch all the behind the scenes in my stories. Send me a message to share your biggest takeaway or just to say hi. I love hearing from podcast listeners.

When you’re ready to take action on your mindset, your money, or the systems behind it all, I’m here for you.

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 scheduling a complimentary bookkeeping consult to finally get hands-on help with your books—your next step is waiting for you.

aimeecerka.com/podcastlinks has all the information, and, of course, that link is hanging out in the show notes for you.