You’re not lazy or “bad with money”! • We don’t avoid money… we avoid how money makes us feel • This is where clarity work becomes deep inner work I want you to Define what avoidance actually looks like • Not opening bank or credit card statements • Ignoring investment accounts (especially during volatility) • Avoiding debt totals • Delaying taxes, bookkeeping, or budgeting • “I’ll look at it later” → turns into months or years Avoidance is active, not passive. You are actively avoiding, expending precious life force energy. • The thing you avoid is the thing that ends up controlling you • When you don’t look at something, you give up power over it • Lack of visibility = lack of agency, makes it impossible to change This is what happens: 1. You avoid looking 2. The unknown grows 3. Your nervous system fills in worst-case scenarios 4. You feel more overwhelmed 5. You avoid even more → This becomes a self-reinforcing loop ⸻ Extra credit: name the Emotional roots of financial avoidance • Fear (of how bad it is) • Shame (past decisions, debt, income level) • Guilt (spending, financial mistakes) • Confusion (not knowing what to do) • Overwhelm (too many moving parts)

The assignment is simple.. but confronting - Add up every dollar that left your life in the last 30 days - This includes: Bills/ Subscriptions/ Cash spending Venmo/Zelle/PayPal /Credit card payments - Investments (yes, even this counts as outflow for now) Do not categorize right now. Do not label as good or not. This will distract you because this could be a very intense exercise. Today is just one number: TOTAL OUT You don’t have to share the exact number. Most people underestimate how much goes out by 30-50%. You can share your feelings and reactions when you reach this final number.