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- Money-Saving Tips
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- QUIZ – What Animal Do Your Money Habits Mimic?
If you’ve been in my world you’ve probably heard me talk about Unstoppable Finances… You might have said, “why unstoppable finances, I don’t get it.”
Inside this episode, we’re talking about how to set smart money goals, why unstoppable finances, what it means for you, and how to make it happen. So let’s do this!
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Financial Security Calculator: https://aimeecerka.com/calculator
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Podcast Key Points
0:00 – Episode Overview
2:42 – Why Unstoppable Finances
5:15 – Debt Cliches To Leave In The Dust
6:53 – SMART Money Goals
8:36 – Cognitive Dissonance
13:41 – Example Money Goals
15:12 – Challenge: Pick 1 Money Goal And Send It To Me
Frustrated that you aren’t making the progress that you should within your finances? Create an unshakable money mindset with the Money Mindset Mastery Checklist
Setting Money Goals! Why Unstoppable Finances
Why unstoppable finances? I don’t get it. Inside this episode, we’re talking about how to start, how to set smart money goals, why unstoppable finances, and what it actually means for you and how to make it happen. So let’s do this.
Welcome to the “Your Money Your Life” podcast. I’m your host, Aimee Cerka. After over 10 years in the personal finance industry and multiple personal financial and medical crises, I was fed up with the lies being shouted from the rooftops by the gurus and the media. So now, I’ll help you, the ambitious woman, step into unstoppable finances.
When you step into unstoppable finances, you create financial abundance that aligns with your personal values and goals, without working 80-hour plus work weeks, without pinching pennies, and without worrying how you’ll handle the next curveball life throws your way. And in a simple, to-the-point kind of way, being married, having four kids at home homeschooling, being a CEO, running the household, I’m kind of busy, and I know that you are too. So here, we get straight to the point.
If you’re ready to eliminate fear, stress, struggle, frustration, and guilt from your finances and all the areas they affect, you’re in the right place. Welcome. I’m so glad you’re here.
Why Unstoppable Goals?
Welcome back to another episode of the Your Money Your Life podcast. I’m your host, Aimee Cerka. For those of you watching on YouTube, yes, I’m wearing glasses. Fun fact to start off this episode. So you know, after a while you might not know after you have a baby like hormones gonna go crazy weird. So something that I am dealing with since Natalie was born has been really like extremely dry eyes. It’s very weird.
So like I’m having problems with my contacts that I’ve never had before. Like I can put into my eye, it’s brand-new contact. And within like an hour or so it’ll be so dry. Like if I go to pull it back out like it just like folded on itself. It’s so dry. So I have to keep giving my eyes breaks. And I’ve been recording all day long today. So here we are with glasses. But if you’re listening to the podcast, like I normally do, actually, the way that I was consumed Whoa, okay, here we go. I normally listen to podcasts instead of watching them.
So if you’re listening, make sure we’re connected on Instagram, I’ll make sure I’ll share. Pick whatever of me and say glasses, life struggles, right? Let’s get to it. We’re talking about why unstoppable finances. I’ve heard, since I’ve really started talking more and more about the unstoppable finances framework, which I’ve had the framework we just didn’t necessarily call it a framework until about a year ago, was when I first introduced it. And I’ve had a couple of people like I just don’t get it. Like that’s not appealing to me. And I totally, I mean, I can see that it’s not necessarily one of those like, Hey, we’re gonna make 100,000 like, concrete things that people think of.
But actually, next week, you’re going to hear an episode from one of get one of our Academy members is going to be a guest on the show. And we had really, really, really great conversation and I love something that she said in there, like made me so happy and you’re going to hear like her kind of embracing and understanding of why the unstoppable finances framework so make sure you’re subscribed so you can hear next week, but let’s talk about why unstoppable finances.
We, I work to help you step into unstoppable finances because it’s not about not having struggles, it’s not the absence of struggles. Having been unstoppable with your finances means creating the peace, even when the struggle is there. At that, we’ve learned nothing else over the last couple of years, we know that stuff is gonna come up, right? like it’s gonna happen. And I am not somebody who’s going to tell you that it’s going to be all rainbows and butterflies. And honestly, if you find somebody that tells you it’s going to be all rainbows and butterflies, I would probably run like, No thank you.
But creating peace and stepping into peace even when the struggle is there. Like I can get on board with that and that’s what’s been life changing. So when you have unstoppable finances, you have the multiple multiple income streams without working 80 hour workweeks without relying on the stock stock market or other traditional methods.
Unstoppable finances also means having money to play and enjoy life without sacrificing your security, savings or investments. Unstoppable finances means educating and empowering yourself to understand money. That means how to manage it, how to receive it, what it actually is, your history within how that actually affects you, and how the economy works.
When you step into unstoppable finances, you understand that there are cliches that aren’t in your best interest, like the one we talked about most frequently is not all debt is bad, or even like that hardcore debt payoff strategies. When you have unstoppable finances, you have that system so that you’re not overwhelmed. You know where to begin, you know what to do and you’re prepared.
Having financial security in a way that makes sense in 2023, not just blindly stacking money in a savings account, or in a, or investing into the stock market, like those strategies don’t necessarily work anymore in 2023 in the stock market, like that’s a whole another thing. We’ll get into that another day with inflation. Please don’t be somebody who is sticking six months of savings in a savings account anymore. Like that just does not work. Okay. And I don’t want you to waste your hard earned effort.
Unstoppable finances know that there is more to life than making money figuring out the money thing first accelerates your success in other areas of life. In unstoppable finances is having the courage to admit that you can figure this out a lot faster with someone in your corner who gets it. That is why the academy is so perfect. I really wanted it to be something that was sustainable for me and my priorities as well. But, like, achievable for you and your wallet, like you’re trying to figure things out as well. I didn’t want to be this high ticket five figure entry point that this does not worked for me. I wanted this to be doable for you.
What Are Smart Money Goals?
Now let’s talk about what smart money goals are. You’ve probably heard this before. So SMART is an acronym Specific, Measurable, Achievable, Relevant and Time specific. So specific, like you have to be able to, like, what do you want? It’s not just like, I want a lot of money, like get specific with it. Okay. The second one is measurable. You have to be able to tell whether or not you’ve achieved it like, yes, a lot of the goals that I work on inside the Academy is a lot more intangible like feelings, emotions, that peace like, it’s hard to measure that. But we can measure and quantify some things about it. We can measure impulse spending, from stress from finances, we can measure different even like health effects. When you’re stressed about your finances, you might have these tendencies. Or this is also like, we’ll get into like the practical strategy of it. Like I’ve sat here and I’ve checked in with my money, regardless of what’s going on. I’ve checked out the system once a week like I’m supposed to measurable so that you know that you have achieved it or you haven’t achieved it.
Which brings us to the next one, a achievable, it is way more important to set a smaller goal that you can achieve versus setting, we used to call them be high goals big, hairy, audacious goals, like those crazy out their goal. So if you’re barely making $100 a month, and you’re telling me you want to go to 10k months, break it down, start smaller, what is the first step to get there. And then you can work your way up. There’s a whole, we did an episode on this. And we talked about cognitive dissonance in the way that we create this because if we try and do something that is not achievable, your subconscious mind will actually sabotage you because it’s trying to protect you. So achievable goal, set an achievable goal.
Relevant, is it something that’s important to you, like if you don’t set a goal that you like, I just no big deal for me right? something that’s important to you.
And then time specific. Now, time specific, honestly, for myself. I don’t necessarily set time specific goals anymore. So I’m saying you can take it or leave it. I said that I was on talking about what smart money goals were. So we’re doing that we have a whole module inside the academy all about goal setting and vision for unstoppable finances. But the reason why I don’t necessarily set time specific goals anymore, is because I set goals and the results goals are not time specific. Okay so let’s use that patented, not patented that common 10k months, right? If I want to get to 10k months, the goal would be like having consistent 10k months. But the time specific part and the part that I’m actually really focusing on are the actions that I’m taking get me there, the things that I can control because I can’t control what everyone else does. But I can control what I can control and set the time specific goals around that. So whether that’s having reaching out to a set number of people will say two people a week for collaborations, because I know that that’ll help me get closer to that goal. Because the more people I’m in front of more people that’ll be exposed, the more people will convert.
And we’re going to start focusing, and this is all like, Whoa, this is kind of crazy out there. We are focusing more on the income side of the framework, right now, because I know this is what you need. And this is what you’re looking for. So if you have specific questions around the income side that you want to make sure that I answer or bring in an expert to answer over the next probably couple months, shoot me a text 817-969-4653, if you’re driving that link is in the show notes as well. But I want to hear what questions you have. Like, I am here, and I want to make sure we’re getting those answered for you. So that’s my take on the time-specific aspect.
You’re starting out, and you can try both ways, but I find pressure – there’s good pressure and bad pressure. Good pressure forces you to do something you don’t really want to do, but bad pressure stops you from being the best version of yourself because you’re too concerned about hitting that deadline. It’s almost like desperation that comes across, and this is the same thing that shows up when we get focused. So, if you’re too focused on making more money, you might end up not making more money because you give off a desperate vibe.
But when you have peace and come into those unstoppable finances, and you’re good with that, even if things are a little tight or there’s a little struggle, you exude confidence, and you end up making more money. I know it’s crazy, but it works.
Money Goal Examples
Now, I wanted to give you a couple of examples of what your money goals might be. Maybe it’s creating financial security, and if you’re inside the Academy or Budgeting Simplified, you have access to the financial security calculator and how we calculate security in a way that feels aligned in 2023. We talked about not stockpiling money in a savings account – keeping three to six months in a savings account does not work anymore. But we need to have some money in a savings account because if something happened tomorrow, and you lost all of your income, you need to have cash on hand or assets available that you can utilize. Ideally, we still want to have at least three months of financial security if something happened tomorrow and you lost all your income, you’d want about three months on hand.
But with that calculator, we show you how to calculate that – it’s really plug and play for you. If you’re not a Budgeting Simplified member or inside the Academy, I’ll have links to that below in the show notes for you to check out. I’ll also include a link directly to the calculator if you just want the calculator.
Another example for your money goal would be paying off debt, which we talked about before should not be your focus. But you can still have a goal of paying off debt without focusing on it. You’re getting borderline there, though – we need to be careful and make sure your intention is still growing your net worth. But it is still smart to track your debt payoff numbers as well. We also have resources for you on that – I’ll make sure those are in the show notes.
That would be inside the Budgeting for Success worksheets. But if you’re straddling that line between debt payoff and focusing on your net worth, make sure you have some support and accountability. I’m here for you. If nothing else, we do those regular Q&A days via text now so that I can support you through that. Again, my number is in the show notes. Just shoot me a text with those questions, and I’ll make sure you get registered for those.
Okay, and then another example for you is to increase your income. Like I said, that’s going to be a focus for us – increasing revenue because there’s only so much we can manage our money. Yes, it’s important. Yes, you need to be doing it, but we also want to increase that revenue as well. So, if you’re thinking, “I want to increase my revenue,” like we talked about, pick something that is achievable and measurable. And then, if you join me inside the Academy, I can help you walk through those steps.
What are the action steps? What have you done that helps you see results? But otherwise, set that goal, figure out what the action steps you need to take. That is your challenge today. I want you to pick one money goal. Start with one. Share it with me on Instagram at Aimee Cerka or send it to me via text at 817-969-4653. I think that is it for this episode. Make sure to check out the resources in the show notes. And we’ll see you next time.
Bye for now. Thank you so much for listening to the Your Money Your Life podcast. Wondering what’s next when you’re ready? There are different levels of support that you can use on the path to creating unstoppable finances and your unstoppable life. After all, your finances are unique, and your support should be, too. Ultimately, we’ll create a customized plan to ditch financial struggle for good that works for you. Your goals, your priorities, your life, go to workwithaimee.com to get started with one of our most popular programs, or you can book a Q&A call with me, and we’ll figure out what your next step should be.
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