Why you sabotage smart financial choices (without even realising it)

Because growth begins the moment you recognise the brake.

You probably know the feeling. That moment when you know what you should do — save, invest, make that important decision, or finally pick up the phone — and yet… you don’t. You postpone. You hesitate. You tell yourself: “Just not yet…”

You don’t do this because you’re lazy or lack discipline.
You do it because your brain values safety more than growth.

The role of your brain

Our brain is designed to avoid danger. So the moment something feels new, exciting or uncertain — like investing money, raising your prices or making a financial decision — an alarm goes off. Not loudly, but subtly.

You feel resistance, restlessness or fatigue. And suddenly, your mind finds a hundred other things to do first — or a hundred reasons to wait:
• “I should save a bit more first.”
• “This just isn’t the right moment.”
• “I need to think it through a little longer.”

Sound familiar? That’s your brain whispering: “Stay safe. Don’t do anything risky.”

My own moment of sabotage

I know that feeling all too well.
Years ago, when I wanted to move from being a lawyer to becoming an entrepreneur, I had everything planned perfectly.
The numbers worked. The plan was solid. And still…
I delayed. For months.

Every time I wanted to start, something “important” came up.
A new client. A big case. Another reason to wait.

Until I realised with the help of my coach — it wasn’t about timing. It was about my brain.

📌 “Your brain’s job is to keep you safe, not to set you free. The second part is up to you.”

My system had learned to associate freedom with risk — and risk with danger.

Once I recognised that pattern, everything shifted.
I stopped fighting my fear and started calming it instead.
Small steps. Repetition. Breathing. And above all: gentleness. Which for me was the most challenging one.

The lesson

Growth doesn’t mean you’ll never feel fear again.
It means you learn to recognise the brake — and choose to move anyway.

Every time you make a conscious decision despite your doubt, you train your brain to see freedom not as danger, but as expansion.
That’s the essence of growth.

🔧 Practical tip – Identify your brake thought

Write down one (financial) decision or action you’ve been putting off.
Ask yourself:
1. What am I afraid of?
2. What’s the worst that could happen?
3. And what might happen if it does work out?

Often, fear isn’t real — it’s just an echo from the past.
Notice it, and then take one small step anyway.

And when you do, take a moment to feel proud of yourself — no matter how small the step is.

💬 Do you recognise one of those sabotaging thoughts?
Maybe you hear yourself say, “Not yet.” Or “I just need more certainty.”
Send me a message, or share it with me on LinkedIn or Instagram.
Let’s explore together where that thought comes from — and what becomes possible once you stop believing it.

Money behaviour doesn’t change through more knowledge.
It changes through awareness. And that begins with seeing your own patterns.

👉 Recognise this in yourself? Book your free intake session — and let’s uncover where you’re unconsciously holding yourself back, so you can move forward again with calm and confidence.

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