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Ep. 216: “Why Am I Struggling Financially?”
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.
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Resources:
- Cashflow Calculator: https://aimeecerka.com/cashflow
- The Unstoppable Experience: https://aimeecerka.com/unstoppable
- Instagram: https://instagram.com/aimeecerka
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The Real Reason You’re Still Struggling Financially
Things you’ve taken, the courses you’ve shown up, you’re selling, your offers. So why does it feel like you’re still stuck financially? Why are you still stressed about money?
Why is it so hard to feel like you’re actually getting ahead? Today we’re answering a question that I hear so often, and maybe you’ve asked it too.
Why am I struggling financially?
And spoiler alert, it’s not because you’re lazy. It’s not because you’re bad with money or that you’re not working hard enough. But it’s something deeper.
And today we’re going to talk about it. So let’s dive in.
Welcome to the Your Money Your Life Podcast
This is the Your Money, Your Life podcast, the show where I help female entrepreneurs go from stress and struggle to unstoppable. Here we blend step by step strategy, mindset work and emotional regulation 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. You simplify money and go beyond the numbers. I’m your host, Aimee Cerka.
Welcome. I’m so glad you’re here. Welcome back. I’m your host, Aimee Cerka.
Is More Money Really the Solution?
Today we are talking about the belief that I see all the time. If I could just make more money, this would all go away. It would all be fixed.
If I could just hit that next income goal, right? That’s the go-to almost feeling assumption. If you had more revenue, if that next launch lands perfectly, if you hit that first 5k month, 10k a month or even 20k month, the stress would be gone. You would be set.
But here’s the reality check. If more money was the solution, why are there six and seven figure business owners still living paycheck to paycheck? They’re still behind on their taxes, they’re still avoiding their bookkeeping, they’re still not making any profit and they’re lying awake at night wondering if it’s all going to fall apart.
That’s because making more money doesn’t automatically fix the financial struggle. The real problem isn’t the income.
The Trap of “Just Doing More”
What happens when you think that we just need to make more money? You keep working for it, right?
We keep chasing it. And we fall into so many different patterns. And it’s the maybe I just need a different launch strategy. So maybe I need to try a new launch strategy. Maybe I should just be posting 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. We have the FOMO and we’re buying programs that we don’t really necessarily need because we’re trying harder, we’re pushing more. You’re, you’re, you’re thinking. You feel like more action is going to fix it.
But here’s the thing. It’s not that you aren’t making money. Even if you’re not at your financial goal yet in your business. It’s not that you aren’t making money. It’s that your financial foundation isn’t strong enough to hold it.
Why You Need a Strong Financial Foundation
And the other part here, energetically, your nervous system and your energetic vibration might not feel safe enough to receive it. I know that one stings. That is like, probably one of the worst feelings. I know that I been there, done that, right?
One of the worst things that I feel like I’ve gone through. It’s like, you’ve done all the work. I have worked my butt off to get to this place. I’ve done these things. I’ve taken action. I move forward. All the things, right?
And then you hear like, it’s me. And it almost kind of feels like all of that work was a waste because you did it. But you’re still not in the right place. So you’re still dealing with all of these problems.
You’re Not Broken—You’re Improving
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 though I know hearing that, it might feel like you’re broken. So just sit with that for a second. You’re okay, but your bucket’s got leaks.
You’re pouring water into that cracked cup. If your systems are leaking, if you’re avoiding your numbers, if you’re holding on to shame around your spending, if you are terrified to open your QuickBooks account or your Stripe account or your bank account, all the accounts, right? If you’re constantly in fight or flight around money, then the more money that comes in, it just leaks right back out.
Plug the Leaks and Keep More Money
The good news, when you plug the leaks, it stays. It’s a really fast fix. You see momentum so much faster when we get this one thing fixed.
But know, like, this isn’t your fault. Most of us were never taught how to feel safe with money, how to trust ourselves or how to build systems that hold wealth in a sustainable way.
And this isn’t about, like, blaming parents or influential people. It’s just not something we were taught and part of it is, you know, the world’s changed. So I don’t even know that they could have actually taught us that because the things that they would have taught us are not applicable.
The Unstoppable Experience: Changing Your Money Mindset
Like the world has changed too much for it to still be the same. This is a lot of what I teach inside the Unstoppable Experience. My High Touch membership where we’re rebuilding your relationship with money from the inside out. It’s not about fixing you, it’s about helping you hold, receive and direct the money you’re making. Like giving it intentional places to go.
And we’re clearing the internal blocks that are keeping you from more. Whether it’s a mindset shift we need to 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.
Systems, Safety, and Capacity
We need emotional capacity and you need to be able. I’m sorry, you need emotional safety. And then we need to expand 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 feel like you’re struggling financially, it’s not about doing more. It’s about doing the aligned things.
Your Next Steps for Financial Success
It’s about having those profitable money systems. It’s about rewiring your mindset around money, the way we think, feel and your belief in you.
So this at home. Your next step is going to be simple. I want you to grab the cash flow calculator. It’s my free 90 second assessment style calculator that I created to help you figure out exactly where your financial leaks are. And it’s created with the lens that we hear all the time. Like, I just need to make more money. So that’s why it’s the cash flow calculator.
You go to https://aimeecerka.com/cashflow, you’ll grab the cash flow calculator. Now, you don’t have to know any of your numbers because I know that would be a tripping point, right?
Instant Clarity With the Cash Flow Calculator
But you’re going to get instant clarity on which area needs your attention and what to do next. There’s also a bonus in there that you can get my feedback on it.
But if you’re thinking, okay, that sounds great, Aimee, but I am so totally done with this. I’m ready for more than just the free resource. If you’re ready to feel safe, confident and powerful with your money, then it’s time to join me inside the Unstoppable Experience.
That’s where we blend mindset, financial systems and support to create the permanent shifts. We are not putting band aid fixes on it. That is one of the things like we need to build the lifestyle of financial literacy so that you truly are that powerful CEO, that unstoppable version of you. And stop putting band aids on the problem.
You’re Not Struggling Because You’re Bad With Money
All right. https://aimeecerka.com/unstoppable for all the details and you can book a clarity call with me. We’ll talk about if it’s the right program for you.
Regardless, grab a cash flow calculator or if you’re ready to be all in Unstoppable Experience. I want you to know this. You’re not struggling because you’re bad with money.
You’re struggling because no one has ever showed you how to feel safe, hold more and lead with power when it comes to your finances.
And that changes right now.
You’re not behind. You’re on the edge of a breakthrough.
Start with a cash flow calculator and 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.
Ready for Consistent Cash Flow Month After Month?
Are you tired of not seeing consistent cash flow? What if you could stop wasting countless hours working on the wrong things only to leave yourself more frustrated than you started?
All without jumping from strategy to strategy, just trying to find one that works and without requiring a week of reflection or a time audit because you don’t have the time to do the things you need to. As it is, that’s you. My cash flow calculator might be perfect for you.
This assessment style calculator reveals your blind spots and what you’re missing so that you can finally see consistent cash flow month after month.
So grab my cash flow calculator and unlock the right work that you’re probably already doing in order to finally see consistent cash flow month after month.
It’s only going to 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 a special way you can get me to give you feedback on your results. Simply go to https://aimeecerka.com/cashflow to access and of course that link is hanging out in the show notes for you.
