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All right, so if checking your 
bank account feels stressful, 

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your brain is trying to protect 
you. 

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So today, some of the things 
that we do when we avoid our 

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bank account, there is an 
absolute valid reason that our 

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brains don't want us to go 
there. 

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So we're going to talk about 
that in a second, but I wanted 

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to welcome Nikki and Teresa. 
Thank you so much for listening 

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to the show and downloading the 
free resources available on my 

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website, debtrebelpodcast.com. 
Thanks for joining us. 

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All right, if you so avoiding 
our bank accounts, right, So 

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that notification will pop up on
our phone and we just quickly 

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swipe it away instead of opening
it because we're like doom and 

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dread could be on the other 
side, but we don't know until we

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open it, right? 
So let me tell you why our brain

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specifically want to avoid this.
And it's not because we're lazy.

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It's because our brains are 
trying to protect us. 

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It is like our brain self 
protection mode. 

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So it's because at least in my 
experience, it might be in the 

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same experience for you. 
But let's let's talk through 

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this because some of the things 
that I experienced when I was 

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trying, when I kept avoiding 
looking at that information, 

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whether it was the amount of 
debt we had or bank account 

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balance, or maybe it was some of
my expenses. 

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Those types of things brought up
a lot of shame and guilt for me 

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and for myself because I had all
of this head knowledge. 

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I had a degree, I had all of 
this head knowledge on what to 

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do with my money, but I couldn't
get my brain to do the thing and

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just quote UN quote, try harder,
which I think is some of the 

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most, really, it's the most 
discouraging when it comes to 

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managing your money. 
And if you have ADHD, it is it 

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is just like the thing that shut
me down. 

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And so one of the things is that
that shame and guilt, it is tied

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to our relationship with money. 
We can feel overwhelmed by not 

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knowing what our numbers are or 
what they mean. 

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And so that's what the show is 
about, is to help you move 

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through some of that stuff. 
I'm not going to be able to take

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it all away. 
I absolutely wish that that was 

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something that I could do for 
you. 

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But I'm going to come alongside 
you and walk with you through 

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this process because the things 
that I have learned have been 

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really helpful. 
And if you're brand new to the 

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show, a little bit about me. 
I got a degree in economics. 

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My husband and I got into 
$107,000 in consumer debt, paid 

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it off, and then started 
teaching others how to do this 

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as well. 
And then within the last year 

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was diagnosed with ADHD and 
realized so many of the things 

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that I struggled with were 
because of my ADHD and my 

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undiagnosed ADHD. 
And I wanted to create something

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and share what I have learned 
with more people. 

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Because those two and money 
management seem like oil and 

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water sometimes. 
And it is not all about just 

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knowing everything and being 
able to apply it, setting up a 

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system that works for you. 
So that's what I love teaching 

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on this podcast, but I also love
teaching that inside my 

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membership. 
So one of the things about the 

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overwhelm is just thinking about
how how big some of those 

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numbers could be and how we 
don't know what they look like. 

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And that was something for me 
when we were going through our 

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debt elimination process was 
what are our numbers even look 

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like? 
Because they felt really, really

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big and I didn't know until I 
actually looked at them. 

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So the next piece is just 
checking it is not the most 

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helpful advice, right? 
And so we can, we can say that 

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we can tell other people that 
it's really easy for me to just 

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say, hey, just check your 
numbers, right? 

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And I know I've said that in the
past and as I have learned 

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personal finances that it is so 
personal. 

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And so we are a different person
every single time we hear 

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something and we're in a 
different spot than we were the 

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last time. 
So if something you've tried 

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something in the past and it 
hasn't worked and it's been some

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time, maybe you're in a 
different spot and you can and 

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you can try something. 
And so just checking it, you 

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could do that. 
That is an option, but one of 

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the things that I have found is 
I just set aside some time once 

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a week to look at my stuff. 
Right before I got on this 

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episode, I looked over our 
family budget and made sure our 

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spending was on track for this 
month. 

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And you can see things as they 
come. 

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And so for me, that was really 
helpful. 

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And it's not a just check it 
kind of thing. 

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It's I had my system set up so 
that that didn't take a lot of 

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time. 
So if the executive function 

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part of you was saying, hey, I 
don't, I don't want to do this 

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because it can feel like an 
overwhelming task sometimes just

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breaking it down and just doing 
1 little bit at a time is really

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helpful. 
So you might also be listening 

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to this and you have no idea, 
maybe you don't have access to 

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your bank account on your phone,
or maybe you don't want access 

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to it on your phone. 
Maybe you need to jump on your 

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computer and do it that way. 
What works for you is what is 

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most important. 
So this is not a 

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one-size-fits-all kind of 
recommendation or ideas. 

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That's what that's what I say. 
You know, personal finance is so

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very personal and so figuring 
out what works best for you. 

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But one thing that I have 
noticed for myself is I would 

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avoid it because I didn't want 
to face it. 

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And that is that's our brains in
that self protection mode. 

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And so one thing that we do 
inside the membership is you 

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don't have to face those things 
alone. 

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So it is a judgement free space 
where you can actually look at 

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your money. 
And we don't necessarily have to

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like share screenshots or 
anything like that, but it is a 

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place where you can ask 
questions. 

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You can say, hey, does this 
sound right? 

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Does this look right? 
I'm struggling with this area. 

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And we can talk through those 
things because one thing that 

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I'm passionate about is creating
something that I didn't have 

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when I was going through my 
personal finance journey to 

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become debt free, to get things 
organized and figure out a 

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system that worked for my family
and I. 

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So I highly recommend too, if 
you want to this system that I, 

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that I put into place and that 
has worked for our family has 

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been really great because there 
was a whole month I didn't make 

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a budget and we didn't go back 
into debt. 

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And the ironic part about that 
is this is what I was teaching 

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at the time. 
So this has happened within the 

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last couple of years since I 
started this podcast. 

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I believe it's episode 38 and 
you can go back and you can 

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listen to that. 
You know, the time I forgot to 

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make a budget. 
I'm a money coach. 

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This is what I teach and I 
forgot to make a budget. 

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And so The thing is, is creating
a system for yourself that is 

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going to work for you and your 
family so that you don't have to

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continue to go to the credit 
cards to pay for day-to-day 

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life. 
So today's action is to pick a 

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10 minute money date with 
yourself sometime this week. 

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I always like to put it with 
something else that I enjoy so 

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that it's something I can look 
forward to. 

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And then you know what, set a 
timer for 10 minutes. 

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When that timer goes off, you're
done if you want to continue on 

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and after that timer goes all 
right, so after that 10 minute 

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timer goes off, you're done. 
You can stick around and work on

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it somewhere if you want to, but
otherwise, once that timer goes 

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off, you're done. 
And so, so if you're looking for

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some additional support, so set 
that 10 minute timer, when that 

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timer goes off, you're done with
your money date for that week. 

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So I'd love to hear when you set
your date and what you 

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accomplished in that 10 minutes.
So you can go to my website, 

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debtrebelpodcast.com and there's
a spot there that you can leave 

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me a voice note. 
I would just love it if you 

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would share some of that info 
with me that we could share with

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other listeners to this podcast 
and just encourage each other in

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that way that it just doesn't 
have to be a huge, a huge task. 

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We can eat an elephant one bite 
at a time. 

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And this is how we do it is we 
just pick 10 minutes and we work

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on our money. 
Sometimes that is opening up 

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that app or jumping on our 
computer and seeing what our 

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balances are. 
Maybe it is like we talked about

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in the previous episode, setting
up one bill on auto pay so that 

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you don't have to worry about 
late fees in the future. 

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So I hope that this was an 
encouraging episode for you. 

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And again, if you have other 
questions, I love answering 

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listener requested questions. 
So you can go to 

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debtrebelpodcast.com and submit 
your question there. 

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Send me a voice note. 
I love to hear your voice and 

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what is on your mind. 
So we'll see you in the next 

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episode. 
Thanks for joining me.